Can a single person with a fico of 630  get a loan for a used 1997 manufactured home in a park in So. CA?
551037
630 is not the worst score ,Im in mortgages and have gotten people financing with scores of 575 results the unfortunate part is they pay more interest.Much has to do with the ability to pay the amount down ect.pre manufactured homes \ntry getting into a regular mortgage on a regular home it may be more beneficial in the long run.
376062
I just received this loan application form and know nothing about it, but check it out.\n\nNorthstar Systems\n162-01 Northern Blvd., #199Flushing, NY 11358\nPre-Approval Loan Application\nFast Approvals on All Types of Loans-Guaranteed!\n\n\nNeed a Cash Loan for Personal or Business use, or a Debt Consolidation Loan to consolidate all your bills? We can assist you immediately.\n\nOur service offers:\n·Unsecured Personal Loans from $500-$10,000.00 (Bad Credit Accepted)\n·Debt Consolidation Loans up to $50,000.00\n·Military Loans and Federal Employee Loans\n·Business or Business Start-Up Loans (no limit)\n\nWe accept BAD, FAIR or NO credit applicants. Of course good credit is always welcome! No Homeownership Required! Loans amounts from $500-$250,000 available.\n\nWith over 12 years experience, our Nationwide Loan Service has helped thousands of people get the money they need, when they could not get a loan from any other source. Regardless of past credit history you can get the money you need, and re-establish your credit today!\n\nNorthstar Systems is a company dedicated to excellence, offering our customers prompt individualized service which is fully guaranteed.\n\nThe majority of applicants who apply are approved for the money they need. Of course, your are under no obligation to accept the loan even after you are approved. Interest rates are low, with flexible payment options to fit your needs.\n\nEven if you have been previously turned down, filed bankruptcy, have bad credit or good credit, we can help you get the money you need today!\n\nPlease complete the short Loan Service Application. Return it along with your one time $35.00 application Fee. Instruction on next page.\n\nWe believe in putting our money where our mouth is! In other words. If we do not successfully assist you in securing your loan, you owe us nothing. Your service fee is 100% refundable if you do not receive your loan.\n\nThe entire process takes 7-10 business days from the time we receive your Loan Service Application. You are under no obligation to accept the loan or loan amount offered once you are approved. You decide!\n\nOur service is 100% GUARANTEED\nIf your loan request is declined for any reason your service charge is refunded.\n\n\nHere is the actual loan application (the formatting is all messed up in this narrow space, but maybe you can at least tell what info they need:\n\nLOAN SERVICE APPLICATION FORM\n(Please Print)Date\n\nTell Us What Type of Loan You Need. Check One or All. We ask for general information only, we do not run a credit check!\nPersonal Unsecured LoanBusiness or Start-Up Business Loan\nDebt Consolidation LoanDebt Consolidation Program\nMilitary Loan-Federal LoanStudent LoanAuto Loan\n\nAmount of Loan Needed?How did you hear about us? \nApplicant Name \nPhone NumberE-Mail Address (If you have one)\nAddressCityState Zip Code\n\nMortgage'\nRent OtherTime at Current Residence\nEmployer's NamePosition\nLength of Employment Monthly Income Other Income\n\nCo-Applicant Name (If Applicable)\nPhone NumberE-Mail Address (If you have one)\nAddressCityState Zip Code\n\nEmployer's NamePosition\nI understand that all information given in this service application to Northstar Systems is held in strict confidence and is for general information only.\nWe Guarantee a Refund if for any reason your loan request is denied! 100% Guaranteed!\nThe company guarantees the client will be approved for the loan request or the service fee will be refunded. The company will assist the client for 60 days to secure a loan or financially related service. Client will pay service fee of $35.00 for processing loan information. Client will apply to referrals provided. Client must show applications were submitted and were declined by three lenders to be eligible for a full refund. promotional offers can be cancelled without advanced notice.\nLength of EmploymentMonthly Income\nOther Income\nApplicant Signature \nCo-Applicant Signature (if applica
122300
It depends...\n\nMany lenders do NOT give mortgages on mobile homes if the land is not part of it (if you are paying ground rent especially).  In these cases you get a personal property loans for a mobile home.
537125
YES YES IF YOU HAVE AT LEAST A 580 CREDIT SCORE (SHOWING W2) I DO NOT HAVE PMI OR MI WITH 100% WE ALSO OFFER 6% CLOSING COST TO BE ROLL INTO THE MORTGAGE FOR A TOTAL OF 106  I AM A SR LOAN MANGER AT A MORTGAGE BANK . ANY QUESTIONS PLEASE EMAIL AT JOHNG@OLDMERCHANTS.COM
933472
Yes, there r several Co's in Toronto (if you r from here). Here r  two, HAML LEASING on Sheppard Ave E at McCowan. The Loan Arranger @Kingston Rd &Morningside. HAML is a great Co. in fact they will do all the work for you all you have to do is give them some details on what youu can afford and let them do the rest. I hope this is helpful\nTWISTED_SIS
851128
Go to    myfloridacounty.com  anyways 650 sounds about right and not that I'm judging but why didn't you pay all along she may be able to claim past money.good luck to your old and new family
936727
Have you been pre-approved yet? If not you can log onto http://www.justgetaloan.net and get a fast pre-approval with access to great loan programs and low rates. We would also be able to set you up with a specialized real estate agent to help you with your condo search. Also for further assistance feel free to contact me at 866 530 7300 ext 7305 or by email at jfreeman@jusgtealoan.net
1130467
There are a few mortgage companies out their that will be able to finance you while being on disability and having your bankruptcy discharged.  However, Mobile Homes are usually not properties that they will refinance, due to lower value.  However it doesn't hurt to look into it.  I know of one company that might do it, because I used to work for them, but they are only licensed in a hand full of states so it would depend on where you live.  Also, like I said it is hard with mobile homes to get them refinanced with all those other existing conditions.
993313
I don't think so.  FHA is for purchases only I believe but check with a loan officer who deals with the program.
282556
This is a tricky situation, but it sounds like you will need to get automobile financing.\n\nTraditional mortgage financing requires:\n1. property be permanently affixed to property through permant foundation\n2. Doublewide preferred (FHA will do singlewides though and it's a pain)\n3. Manufactured home built after JUNE 15, 1976  --- very, very important date. I can not emphasize this more, it is the difference in classification between a mobile and manufactured home\n4. All wheels and axels must be removed\n5. Private/connected utilities and septic/sewer\n\nAnother aspect for mobiles is to consider with age is if the singlewide is over 29 years old.  This will affect the amount of insurance you will be able to obtain which might not jive with lender requirements.  Insurance Co's depreciate mobiles after 29 years.\n\nPersonally, I don't touch singlewides... they are too much work/difficult to get financing for.  But if you are purchasing one that isn't on the property already... yeah, it sounds like you will have to get auto financing.  Go to a auto dealership finance department, they might be able to help...
431251
I am from there just call a few and ask all have a payment program. I went to a office next to my dads house off Lone Tree way dang I forgot the address. But there are also some great ones in Walnut Creek/Martinez/concord.Good Luck
113927
Not really.  Some lenders (like the one I work for) look for a minimum of 640, others 620. You are right on the borderline.  Anything from 640-699 is ok and 700 or above is considered very good and will likely get you better rates.  I would find out why you are a 630 (delinquencies reporting?  overextended credit cards?  a lot of new debt?) and work on correcting those issues.  Good luck!
329180
depends on your credit score and how many revolving credit accounts you have... my credit just shot through the roof thanks to the new house I just bought. I had no credit and got approved for a brand new house, so if you do have good credit then i'd assume you could get the loan
1122164
Try FHA loans. http://www.hud.gov/fha/loans.cfm
915620
whats your credit score and fica score.how old are you and do you have a job?you have to answer many questions to be approved for a loan and having just credit isnt bad but if your credit score is below 600 you will have a problem.check your ratings
633366
A mobile home is not a great investment, but it may be a perfect solution for you at this time in your life. You will own the home, but will still be renting the land it sits on. You want to be sure that the park is well run, and that there are no real problems there. \n\nA good source for information about the park's reputation for trouble is the police officer(s) who patrol that area, and the local fire / EMS department. \n\nHow long do you anticipate living there. If you are going to be there over a couple of years, you most likely will come out ahead by buying the home.\n\nLook at the cost of the land rent, and the payments you will be making on the home. Compare that to what you are paying in rent now. Adjust the figures to take into account any differences in utilities that are included in your rent and the lot rent.\n\nUnderstand that the mobile home may lose value, but in a good park, it will lose a whole lot less.
1094296
My roommate is a mortgage broker who specializes in manufactured and mobile homes. He would be happy to answer your questions and help you with no obligation. I cannot post his contact info here, or it will probably be removed for advertising. If you would like his contact info (website, email, or phone number), contact me through my Q&A page. Just click on my screen name and email me. He works with 5 different companies who solely finance manufactured and mobile homes.