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| Main | Purchase | Refinance | Real Estate Agents | Mortgage Brokers | Mobile Home Brokers/Dealers | FAQ | |
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Which states does Peoples Manufactured Home Loans offer financing in? We are nationwide, with the exception of Alaska, Hawaii, New Jersey, Vermont, New Hampshire, Massachusetts, Connecticut, and Rhode Island. I have poor credit, can Peoples Manufactured Home Loans help me? Unfortunately, not at this time. Currently we do not have a program for poor credit, however, we do have a purchase program for sub-600 credit scores with a 40% cash down payment. Can Peoples Manufactured Home Loans quote me an interest rate before I apply? Unfortunately, most of our programs require an underwriter’s approval to know your exact interest rate. That is because the interest rates vary from customer to customer based on credit scores, equity position, types of properties, etc. Does Peoples Manufactured Home Loans charge an application fee? No, there is no application fee. Does Peoples Manufactured Home Loans offer cash out or debt consolidation? Yes, for excellent credit only. Does Peoples Manufactured Home Loans have a minimum loan amount? Yes, our minimum loan amount is $20,000.00. Does Peoples Manufactured Home Loans have a minimum credit score? Yes, our minimum credit score is 620 for rate/term refinances or purchases. Our minimum credit score for cash out, debt consolidation or home improvements is 680. My manufactured home is in a park or on leased land. Can you help me? Yes, we specialize in this type of financing. Do our loans have any type of pre-payment penalties? No. Do our loans have fixed interest rates? Yes, all interest rates are fixed for the life of the loan. How old can a home be to qualify for refinancing and purchases? We offer loans for homes 1976 and newer (except in California, 1960 and newer). Can I refinance my vacation or secondary home? Yes. |
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