FHA Loan | FHA Mobile Home Loans | FHA Mobile Home Financing Loans
FHA Manufactured and FHA mobile home loans, refinancing and financing with land. Cash Out, debt consolidation,
home equity loan, shorten the loan term or lower the interest rate on your triple wide, double wide or single wide mobile home loan.
NOW IS THE TIME FOR AN FHA MORTGAGE
What Is An FHA Loan?

An FHA loan is insured against default by the Federal Housing
Administration.   In other words, the FHA guarantees that a lender won’t
have to write off a loan if the borrower defaults – the FHA will pay.
Because of this guarantee, lenders are willing to make large
mortgage loans.

FHA insures loans that might not ordinarily be possible for
homeowners seeking refinance and to home buyers.
The benefits of an FHA loan are numerous.
Rate and Term Refinance
to 97.75% of your home's value.
Cash Out Refinance Mortgage
to 85% your home's value.
Purchase Down Payment
3.5% of the home's value.  
Gift money is allowed.
If the home is manufactured tied to
land by deed or mortgage, it
must be on an approved foundation.
If you presently have an existing FHA loan, a streamline refinance is
for you.  Low documentation and, most often, no appraisal requirement
makes a straight rate and term refinance extremely easy.
Simply respond to your loan officer's request for documentation.  
He or she will advise you exactly what's needed.  
By supplying documents promptly,  the process is simple and
helps ensure a smooth mortgage closing.
We "go the extra mile" to earn your business.
That's why we have an A+ rating with the Better Business Bureau.
FHA Construction-to-Perm - Single Closing
While the process of construction loans does differ from a normal FHA loan,
many of the same underwriting guidelines remain the same. Allow our loan
experts to guide you through the requirements for an FHA new construction
mortgage.  No one understands FHA Loans like we do!
Did You Know...?
The FHA, or Federal Housing Administration,
provides mortgage insurance on loans
made by FHA approved lenders. FHA
insures these loans on single family and
multi-family homes in the United States
and its territories. It is the largest insurer of
residential mortgages in the world, insuring
tens of millions of properties since 1934
when it was created.

The FHA wants you to get the loan
amount you are qualified for and
sets up conditions to allow you to
successfully buy an FHA home.
To pre-qualify for an FHA loan,
you should be able to demonstrate
employability, job stability and reliability.
FHA INSURANCE
FHA insured loans require mortgage
insurance to protect lenders against
losses that result from defaults on
home mortgages.

FHA LOAN LIMITS
FHA lending limits vary based on a variety
of housing types and the state and county
in which the property is located.

LOAN CHECKLIST  Learn More
Before you start the loan process,
you'll want to be prepared for the loan
application. Have your information
organized and ready for your loan officer.
Be prepared to pay for a property
appraisal and a credit report.

CLOSING COSTS
While FHA defines which closing costs
are allowable as charges to the borrower,
the specific costs and amounts that are
deemed reasonable and customary are
determined by each local FHA office.

FHA DEBT RATIOS
In order to prevent homebuyers from
getting into a home they cannot afford, FHA
guidelines have been set in place requiring
borrowers and/or their spouse to qualify
according to set debt to income ratios.

FHA CREDIT ISSUES Learn More
An FHA loan applicant's past credit
performance that demonstrates good
credit history and a solid track record of
timely payments will likely be eligible.
FHA Home Loan - FHA Mobile Home Loans - FHA Mobile Homes Loan
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