| Refinance - Mortgage Refinance - Mortgage Refinancing - Home Loans Top Ten Mortgages Explained Our polite, professional and efficient staff has decades of experience providing home financing and home refinancing loan options to many thousands of satisfied customers with superior service second to none. We are a direct source for home mortgage loans, mortgage refinance, mortgage rates and home equity mortgage refinancing loan programs. We also specialize in options for mobile home refinancing, mobile home loans, mobile home financing and manufactured home loan lender products specifically for manufactured housing lending nationwide. Your request gains access to home purchase loans and home refinance loans at real savings. Once you've found or already own the perfect home, you need the perfect financing or refinancing. Let us find the best loan for you! NO INITIAL CREDIT CHECK - NO SENSITIVE INFORMATION - FREE REQUEST |
| Top 10 Mortgages Explained! Find The Mortgage That is Right For You |
| As you can see, most of these mortgages can fall under three main categories: fixed, adjustable, two-step and balloon. The terms and length of the mortgages are negotiable, so ask for assistance in finding the best loan for your financial situation. |
| Refinance - Mortgage Refinance - Mortgage Refinancing - Home Loans |
| 1. Conventional Mortgages A conventional loan is traditionally defined as a fixed-rate mortgage with equal monthly payments, a 15-year or 30-year term, and a fixed interest rate established when the mortgage is created. Conventional loans are driven by credit score and equity in the home, and they typically do not apply for loan amounts above $416,000. 2. FHA loans for Purchasing or Refinancing FHA loans are designed for low to moderate income borrowers who are unable to make a large down payment. FHA loan limits vary based on a variety of housing types and the state and county in which the property is located. Low to zero down payment is the most attractive feature of this U.S. government-backed loan. Double wide or triple wide manufactured homes and land loan packages qualify if the home is on a permanent FHA approved foundation. 3. Streamline Refinancing for existing FHA or VA Loans There is a little known refinance program available these days called a Streamline Refinance and it is gaining popularity. You will have had to have been paying on your mortgage for more than 6 months. FHA requires you to have a clear pay history over the last 12 months with no 30 day lates while VA does allow you to have one 30 day late over the same time period. No Appraisal, No Out Of Pocket Expense, No Income Verification, No Employment Verification, Lower Interest Rate, Lower Payment. The nice part of a Streamline Refinance is that you could need very little documentation to qualify. In fact, it is a much easier process to experience than when you purchased our home. However, you cannot cash out any of your equity with Streamline. 4. Jumbo Loans versus Conforming Loans Jumbo Loans are different from normal conforming loans basically because of the loan amount. Due to the higher amount (more than $417,000 depending on the state), they are considered a different risk factor and are bought and sold in a different category. Qualifying for jumbo loans is usually a little different but sometimes even easier depending on the credentials of the borrower(s). Some lenders charge more interest for a jumbo loan, but we do not. In fact, we can usually get you a lower interest rate than a conforming loan for purchase or refinance. The benefit to you is a lower monthly payment than with a conforming loan. 5. VA Jumbo Loan Qualifying customers can now apply for a VA Jumbo Loan up to $1,000,000. You can apply for a home loan with no money down under new VA Loans Maximum Guaranty Amount guidelines: No money down for qualified borrowers for home loans up to a maximum of $417,000 or the higher limits for certain counties, the VA guarantees the loan up to a maximum guaranty amount of 25% of the loan, but manufactured homes are excluded from this program. 6. USDA Rural Development Home Purchase Loans 0% down payment, no PMI. Your loan officer can help you determine if the home you wish to purchase lies in a designated rural area. Often these areas are in larger population fringe areas. Step-by-step assistance is needed to take advantage of this excellent 100% financing for home purchases. There are two types, the first is intended for higher income individuals and families, the second for low income persons--perfect for a single mom with her children. In any case, you may not presently own a home. 7. Reverse Mortgage for Seniors If you're approaching retirement and want to unlock the equity in your home, but don't want to have to rely upon loan payments that may dilute your lifestyle, then you should consider a reverse mortgage. With a reverse mortgage you can get a monthly or lump sum payment as a function of your home value, which is repaid only after you leave the home. Depending on your situation, there may be many benefits to choosing a reverse mortgage. Under the right conditions, a reverse mortgage may be the right decision for you. Ask your loan officer for more details. 8. Home Equity Line of Credit Home Equity Line of Credit or HELOC is a revolving credit line which comes with an adjustable interest rate. The main difference between a HELOC and the home equity loan is that the home equity loan has a fixed interest rate. 9. Manufactured, Modular and Mobile Homes (Chattel Loans) This type of home loan is for financing or refinancing the home only without land attached by way of deed or mortgage. Chattel is a term used for personal property, such as a vehicle, RV or boat. We have excellent rates for Purchase, Refinance (with or without cash out), and Home Equity Loans. 10. Manufactured, Modular and Mobile Homes WITH LAND (real property) These homes are considered real property just like a stick built home, provided the home is affixed to a permanent approved foundation. Also, such homes qualify for conventional financing, |
| You Deserve The Best! Streamline FHA/VA FHA Loan Programs Refinance Your Mortgage Purchase Your First Home Consolidate Your Debt Mobile Home Mortgages JUMBO LOANS |
| Refinance - Mortgage Refinance - Mortgage Refinancing - Home Loans |
Home Equity Loans
Cash out your equity now for debt
consolidation, home improvements,
paying off debts or anything else you
want with your home's equity!
Cash out your equity now for debt
consolidation, home improvements,
paying off debts or anything else you
want with your home's equity!
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!
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!
Home Purchase Loans
Find the perfect purchase mortgage
loan. Select from fixed or adjustable
rates. Get pre-qualified for free and
quickly find out how much you can
afford.
Find the perfect purchase mortgage
loan. Select from fixed or adjustable
rates. Get pre-qualified for free and
quickly find out how much you can
afford.
| 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, Privacy policy: We respect your privacy! Your information will be kept confidential and disclosed only as allowed by law. |
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| Manufactured, Modular and Mobile Home Loans Modular home loans, fixed rates, Modular home financing |
| Real Property Home Rates |