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FHA Mobile Home Refinancing Lenders, FHA Refinance, FHA Home Loans
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Your source for FHA Manufactured and Mobile Home Loans, Mobile Home Financing and Mobile Home Refinancing.
Earth Works TrustMobile Home Loans In Park or With LandModular Home Loans - Single Family Rates and TermsSingle Family Residence, Townhomes, Condo's,         1-4 UnitsFHA Purchase, Refinance, Streamline Refinance,      Loan Limits Vary by CountyVA Purchase, Refinance, Streamline Refinance,      Jumbo Mortgage up to 1MSingle Family up to 10M , VA Jumbo Loans up to 1M
FHA Loans Available
Single Family Homes, Manufactured, Modular, Mobile Home Loans with Land
BENEFITS OF AN FHA MORTGAGE

FHA insures loans that might not ordinarily be possible for homeowners
seeking refinance or to home buyers. FHA is more forgiving of credit issues
than conventional financing. Though many buyers and homeowners may have
great credit, available home equity or down payment requirements are one
of the key reasons many well qualified customers choose an FHA mortgage.

Purchase mortgages require only a 3.5% down payment
Refinance mortgages
can go up to 97.75% loan-to-value
Cash-Out mortgages
can go up to 85% loan-to-value       

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.

Of course,
conventional financing is available and is typically value- and
FICO-score driven.  If you have a large down payment or adequate equity
in your home, this is still a fine option.

If the home is
manufactured tied to land by deed or mortgage,
the home must have an approved foundation.

Our lender priority is to help you get the best current interest rate to either
purchase or improve the terms of your existing mortgage.  So let one of our
loan experts advise you of all your options when purchasing or refinancing.

We're proud to offer the full array of FHA loans and taking the time to
simplify the process and offer important information on the
variety of loan programs available, from conforming to government.

To get started, please complete our Loan Request form by selecting the
START NOW button.  We look forward to providing outstanding customer service!
FHA Home Purchase Loans
Find the perfect purchase mortgage
loan.  
3.5% down and you can own a
new or preowned home.
Get pre-qualified for free and quickly
find out how much you can afford.
FHA Home Refinance Loans
Rates are the lowest they've
been in close to 30 years.
Refinance now to get a lower
rate,
turn your adjustable into a
fixed rate and get cash out!
Call us at 1-800-608-6898
FHA loan requirements and
guidelines are simple and easy to
understand. Prepare for your
FHA home loan with some
important steps to make sure
you can afford the mortgage.
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.

One
major mistake potential
homebuyers can make when
applying for an FHA home loan
is to make a major credit purchase.
Don't cloud your debt-to-income ratio
with a big purchase before applying
for your loan.
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
for the mortgage.
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Copyright ©1999-2012 Earth Works Trust Inc. All Rights Reserved
Earth Works Trust Financial Services doesn't lend money directly to borrowers, though we are a direct source to approved national lenders and
licensed independent mortgage professionals in your local area.  This allows for the widest variety of housing loan options to meet your needs. We
also work to make sure you have the resources you need when researching for a residential or manufactured home loan. We've developed tools to
make it easier to find the right loan product. Submission of this loan request form gives permission to contact you concerning housing loan products,
FHA Sreamline - FHA Streamline Refinance - FHA Refinance - FHA Streamline - FHA Refinancing Streamline - FHA Streamline Guidelines - FHA Loans
Mobile Home Refinancing - Mobile Home Refinancing Loan,
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