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2 Types Of Graduate Loans
Normally, graduate students pay for tuition fee more than
undergraduate. Therefore, the main purpose of graduate loans is
to help fund their education. There are two venues in which
graduate students can obtain graduate loans: the government...
Are Payday Loans an Opportunity Or a Trap?
Payday loans offer you the opportunity to get the money that you need from your next paycheck today. This emergency opportunity to get money is not one that should be considered for regular expenses but for those times when something just comes up....
How to Find Good Deals on Loans
Loans come in a wide variety of forms, and it isn't always easy to determine which of the lending options that are available to you is the best deal for your money.
Interest rates, repayment terms, and collateral requirements are all major factors...
The various types of loans out there
There are many types of loans available in the market today.
Depending if you are seeking some knowledge or information on
the various products out there, a little research helps. With
the booming economy many consumers are seeking refinancing...
Today's Banks Are Not Just For Mortgages, Loans and Investments
In today's capitalist world where security is one of the utmost
concerns, the typical problem facing an individual is financial
security. Money-related questions typically asked are: "Where
can I keep my money? What is the best way to invest it...
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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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| Mortgages, Refinance, Home Loans, Home Equity Loans at Quicken Loans |
| Online lender offers simplified residential loans and competitive mortgage rates. Headquarters in Livonia, MI. |
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| Service network of lenders that enables consumers to compare rates, apply for and get approval for competitive auto loans online. |
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| Direct Loan Home Page |
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| Secured Loans UK - Secured Personal Loans - accepted.co.uk |
| We search over 200 secured loan plans to find the best deal from our lenders - accepted.co.uk. |
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| UK Loans : Personal Loans, Secured Loans, Cheap Loan Quotes |
| The UK Personal Loan Store offers comparisons of the UK loans, personal and secured loans. Also offers tips, articles and latest loan news section. |
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