Manufactured Home Refinancing - Manufactured Home Financing - Lenders
Manufactured Home Refinancing for mobile home loans, financing and refinancing,
manufactured home chattel loan and land home lender mortgage loans for housing
refinance nationwide. Refinancing your manufactured home located in a
mobile-manufactured home park, on leased land, a relatives land, on your land, or you
wish to purchase land -- we can help!
                                                          Mobile Home Refinancing - Loan - Manufactured Home Refinancing - Lenders
Lower your interest rate - Reduce your monthly payment - Shorten the term of your loan - Non-primary residence programs  
Mobile Home refinancing loans - Fixed rates - No prepayment penalties - No upfront costs - FREE QUOTE and NO OBLIGATION
Earth Works Trust
Family Financial Services
Serving Families and Business Nationwide
Manufactured Home Refinancing Lenders
Across The Nation -- Down The Street -- 1-800-608-6898
Additional Resources
1-800-608-6898
Refinance or Finance
Our lenders priority
is to help you get the
best current interest
rates to purchase  
your manufactured
home or improve the
terms of an existing
mobile home loan.
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Credit Card Debt ... How it Affects your FICO Score

If you are thinking of refinancing or financing a manufactured home in a park or on land,
it's a good idea to understand some basic, but little-known, guidelines about credit card
debt.  Most importantly, the three major credit bureaus (TransUnion, Experian, and
Equifax) have methods for considering credit card debt and are similar among the three.

First, it is recommended to owe 30% or less of a credit card's limit
Second, if a borrower has more than three or so credit cards, considered "revolving
credit," in addition to other revolving acccounts, such as department store accounts, then
this is viewed more negatively than fewer accounts and can significantly lower a FICO.
Third, and almost the opposite, is not having enough established credit history with
several good accounts.
Fourth, most lenders look for at least one installment loan, such as an auto loan, and at
least two revolving accounts opened and in good standing for at least two years.  The
credit bureaus also need this payment history to produce a score.
Finally, as an aside, many borrowers think it's best not to use credit and prefer to be on a
cash basis for all the purchases.  Unfortunately, without any established credit, they may
be surprised that the bureaus cannot even generate a credit score at all without some
kind of established history.  Manufactured home loan financing and refinancing is our
specialty, and we're pleased to offer our valued customers all the information they need
in order to best prepare themselves to qualify for a loan.

Call us to see why we always "Go the Extra Mile" to ensure you receive the best rate and
term for your loan with friendly, professional service.  We know you have choices when
choosing a lending professional ... you've made the right choice with us.

Thank you for choosing Earth Works Trust!