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A Guide to Finding Cheap Loans
Finding cheap loans isn't always easy… it seems like every time you turn around new rates and fees are added and the loan process becomes increasingly frustrating with each new change that's made. Cheap loans don't have to be such a hassle,...
A Look at Common Types of Loans
People sometimes wonder about common types of loans, especially with all of the different types of loans available. There are many common types of loans that may fall into the same categories, as well as some common types of loans that are only...
Adverse Credit Secured Loans - Setting Aside the Credit Report.
The debt defaults that you made in the past are not ready to let go of you so easily. It continues to show itself in the credit file, earning the debtor an adverse credit history for the nest six years, sometimes even larger. A group of loan...
Loans Guide
Many people are confused by the different types of loans available.Here is a helpful summary of the most common loans available today. Bad Credit Personal Loan A Bad Credit Personal Loan is a loan designed for the many people with a bad credit...
SECURED LOANS: AN ASSURANCE TO A CAREFREE TOMORROW!!!
Secured Loans facilitate borrowers to avail of capital against
the value of the asset placed as security with the creditor. The
creditor now has the ownership rights to the asset, which acts
as guarantee against the loan. Although the asset is...
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Mobile Home Mortgage Loans
A large number of prospective homeowners are interested in
acquiring mobile or manufactured homes. Should these homeowners
require financial assistance, they will need to take the
assistance of approved lenders who make the money available from
their own resources as FHA does not lend money for this purpose.
Since these loans are not government funded, they are not low
interest loans. The interest rate is fixed based on prevailing
market rates. However, since the loan is privately funded, you
can take this to mean that mobile home loans are also available
to persons with poor credit, albeit at a higher interest rate to
compensate for the greater risk involved.
Regardless of the source of funding, lending institutions place
certain conditions on the loan advanced for mobile homes. The
home being financed has to be used as the principal residence by
the person taking the loan. The maximum loan amount and tenure
depend on the location and can vary with in designated high cost
areas. Tenures vary between 15 to 25 years.
Manufactured or mobile homes are usually sold through dealers or
retailers. These dealers themselves can give you names of
lenders who specialize in financing these types of homes. They
will have the necessary certification to prove that the home in
question complies with the construction and safety standards.
They will also help you to complete the documentation required
to complete your loan application.
Essentially, the prospective homeowner
needs to demonstrate that
he has the financial stability to service the loan, he should be
able to pay 5% down payment at the very least and have a
suitable site - leased or owned where the home can be placed.
The home itself must meet the required safety criteria and
standards and carry a one year warranty. It must be erected on a
site that meets the standards for sewage disposal and supply of
water, electricity etc.
The law also prohibits the use of the loan to purchase furniture
etc. However, it can be used to finance anything that is built
in to the house. This could include various appliances such as
air conditioners and wall to wall carpeting.
It is amply evident therefore that the mere fact that you have
chosen a mobile home or a manufactured home is no excuse for a
lender not to lend you money- so far as the home meets the
required criteria in terms of site, manufacturing standards and
owners contribution. In fact, the 'Fair Housing Act' gives you
specific protection to ensure that you are not forced to accept
higher interest rates etc simply because you are from a minority
community etc.
Please visit our site to find more useful articles on mortgage:
http://www.mortgage-lounge.com/tricks-lower-mortgage-interest.htm
l and credit card: http://www.creditcardlounge.com
About the author:
Al Falaq Arsendatama has written a number of useful articles on
home loan and credit card. Visit our site
http://www.mortgage-lounge.com for more information.
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