Mobile & Manufactured Housing Association Links 

Manufactured Housing Information Links


ALABAMA

Alabama Manufactured Housing Institute, Inc. 4272 Lomac Street Montgomery, AL 36106
PH: (334) 244-7828 FAX: (334) 244-9339
www. http://www.amhi.org

ARIZONA

Manufactured Housing Industry of Arizona 4525 S. Lakeshore Dr., Suite 105 Tempe, AZ 85282-7047
PH: (480) 456-6530 FAX: (480) 456-6529
http://www.mhiaz.org

ARKANSAS

Arkansas Manufactured Housing Association 1123 S. University, Suite 720 Little Rock, AR 72204
PH: (501) 663-8444 FAX: (501) 663-8447
http://www.amha.net

CALIFORNIA

California Manufactured Housing Institute 10630 Town Center Drive, Suite 120 Rancho Cucamonga, California 91730
PH: (909) 987-2599 FAX: (909) 989-0434
http://www.cmhi.org

CALIFORNIA

Western Manufactured Housing Communities Association 455 Capitol Mall, Suite 800 Sacramento, California 95814
PH: (916) 448-7002 FAX: (916) 448-7085
http://www.wma.org

COLORADO

Colorado Manufactured Housing Association 1410 Grant Street, Suite D-110 Denver, Colorado 80203
PH: (303) 832-2022 FAX: (303) 830-0826
http://www.ColoradoHome.org

CONNECTICUT

Connecticut Manufactured Housing Association PO Box 605 Bristol, CT 06011-0605
PH: (860) 584-5915 FAX: (860) 584-5930
http://www.ctmha.com

DELAWARE

First State Manufactured Housing Association 2 N. State Street East Lockerman, Suite 309 Dover, DE 19903-1829
PH: (302) 674-5868 FAX: (302) 674-5960
http://www.firststatemha.org

DELAWARE

Delaware Manufactured Home Owners Association 4590 Highway One PMB 112 Rehoboth Beach, DE 19971
PH: (302) 945-2122 FAX: (302) 945-2241
http://www.dmhoa.org

FLORIDA

Florida Manufactured Housing Association 2958 Wellington Circle North, Suite 100 Tallahassee, Florida 32309-6686
PH: (850) 907-9111 FAX: (850) 907-9119
http://www.fmha.org

GEORGIA

Georgia Manufactured Housing Association 1000 Circle 75 Parkway Northwest, Suite 060 Atlanta, Georgia 30339
PH: (770) 955-4522 FAX: (770) 955-5575
http://www.gmha.com

IDAHO

Idaho Manufactured Housing Association P.O. Box 201 Sun Valley, Idaho 83353
PH: (208) 343-1722 FAX: (208) 622-6523
http://www.idahomha.org

ILLINOIS

Illinois Manufactured Housing Institute 1480 Renaissance Drive, Suite 204 Park Ridge, Illinois 60068
PH: (847) 635-9000 FAX: (847) 635-9668

http://www.idahomha.org

ILLINOIS

Illinois Manufactured Housing Association 3888 Peoria Road Springfield, Illinois 62702
PH: (217) 528-3423 FAX: (217) 544-4642
http://www.imha.org

INDIANA

Indiana Manufactured Housing Association 3210 Rand Road Indianapolis, Indiana 46241
PH: (317) 247-6258 FAX: (317) 243-9174
http://www.imharvic.org

IOWA

Iowa Manufactured Housing Association 1400 Dean Avenue Des Moines, Iowa 50316
PH: (515) 265-1497 FAX: (515) 265-6480
No Current Website On Record

KANSAS

Kansas Manufactured Housing Association 3521 SW 5th Street Topeka, Kansas 66606
PH: (785) 357-5256 FAX (785) 357-5257
http://www.kansashome.net

KENTUCKY

Kentucky Manufactured Housing Institute 2170 U.S. 127 South Frankfort, Kentucky 40601
PH: (502) 223-0490 FAX (502) 223-7305
http://www.kmhi.org

LOUISIANA

Louisiana Manufactured Housing Association 4847 Revere Avenue Baton Rouge, Louisiana 70808
PH: (800) 324-7833 FAX: (225) 925-1208
http://www.lmha.com

MAINE

Manufactured Housing Association of Maine 11 Columbia Street Augusta, Maine 04330
PH: (207) 873-6570 FAX: (207) 622-4437
No Current Website On Record

MARYLAND

Manufactured Housing Institute of Maryland, Inc. P.O. Box 78 Pinto, Maryland 21556
PH: (888) 644-6363 FAX: (301) 729-3011
http://www.mhiofmd.com

MASSACHUSETTS

Massachusetts Manufactured Housing Association P.O. Box 5963 Marlborough, Massachusetts 01752
PH: (508) 460-9523 FAX: (508) 460-9361
http://www.massmha.org

MICHIGAN

Michigan Manufactured Housing Association 2222 Association Drive Okemos, Michigan 48864-5978
PH: (517) 349-3300 FAX: (517) 349-3543
http://www.www.michhome.org

MINNESOTA

Minnesota Manufactured Housing Association 1540 Humboldt Ave., Ste 205 West St. Paul, MN 55118
PH: (800) 696-3721
http://www.mnmfghome.org

MISSISSIPPI

Mississippi Manufactured Housing Association 1001 Airport Road Flowood, MS 39232
PH: (610) 939-8820 FAX: (610) 939-7988
http://www.msmmha.com

MISSOURI

Missouri Manufactured Housing Association P.O. Box 1365 Jefferson City, Missouri 65102
PH: (573) 636-8660 FAX: (573) 636-4912
http://www.mmha.net

MONTANA

Montana Manufactured Housing Association P.O. Box 4396 Helena, Montana 59604
PH: (406) 442-2164 FAX: (406) 442-8018
http://www.mtmhrv.org

NEBRASKA

Nebraska Manufactured Housing Association, Inc. 5300 West "O" Street Lincoln, Nebraska 68528
PH: (402) 475-3675 FAX (402) 475-1359
(Changing Office Locations on 01/01/06)
http://www.nemanufacturedhomes.com

NEVADA

Nevada Manufactured Housing Institue & Association P.O. Box 201 Sun Valley, ID 83353 (Out of State Office)
PH: (702) 737-7778 FAX: (702) 737-0299
http://www.nevadamha.org

NEW JERSEY

New Jersey Manufactured Housing Association 2741 Nottingham Way Trenton, New Jersey 08619
PH: (609) 588-9040 FAX: (608) 587-6697
http://www.njmha.org

NEW MEXICO

New Mexico Manufactured Housing Association 6001 Indian School Road NE Suite 560 Albuquerque, New Mexico 87110
PH: (505) 830-3764 FAX: (505) 830-3772
http://www.nmmha.com

NEW YORK

New York Manufactured Housing Association, Inc. 35 Commerce Avenue Albany, New York 12206
PH: (518) 435-9858 FAX: (518) 435-9839
http://www.nymha.org

NORTH CAROLINA

North Carolina Manufactured Housing Institute 4911 Departure Drive Raleigh, North Carolina 27616
PH: (919) 872-2740 FAX: (919) 872-4826
http://www.ncmhi.com

NORTH DAKOTA

North Dakota Manufactured Housing Association P.O. Box 2681 Bismark, North Dakota 58502
PH: (701) 667-2187
http://www.ndmha.com

OHIO

Ohio Manufactured Housing Association 201 Bradenton Avenue, Suite 100 Dublin, Ohio 43017-3540
PH: (614) 799-2340 FAX: (614) 799-0616
http://www.welcomehomeohio.com

OKLAHOMA

Manufactured Housing Association of Oklahoma 6400 S. Shields Oklahoma City, Oklahoma 73149
PH: (405) 634-5050 FAX: (405) 634-5355
http://www.mhao.org

OREGON

Oregon Manufactured Housing Association 2255 State Street Salem, Oregon 97301
PH: (800) 458-6449 FAX (503) 371-7374
http://www.omha.com

OREGON

Manufactured Housing Communities of Oregon, Inc. 3857 Wolverine Street, N.E. Suite 22 Salem, Oregon 97305
PH: (800) 488-6426 FAX: (503) 391-4652
http://www.mhco.org

PENNSYLVANIA

Pennsylvania Manufactured Housing Association P.O. Box 248, 315 Limekiln Road New Cumberland, Pennsylvania 17070
PH: (717) 774-3440 FAX: (717) 774-5596
http://www.pmha.org

SOUTH CAROLINA

Manufactured Housing Institute of South Carolina P.O. Box 1781 Columbia, South Carolina 29202
PH: (803) 771-9046 FAX: (803) 771-7023
http://www.mhisc.com


SOUTH DAKOTA

South Dakota Manufactured Housing Association 203 Lindsay Trail Fort Pierre, South Dakota 57532
PH: (605) 223-2065 FAX (605) 223-2061
http://www.sdmha.net

TENNESSEE

Tennessee Manufactured Housing Institute 604 4th Avenue North Nashville, Tennessee 37219
PH: (615) 256-4733 FAX: (615) 255-8869
http://www.tnmha.net

TEXAS

Texas Manufactured Housing Association 816 Congress Avenue, Suite 940 Austin, Texas 78701
PH: (512) 459-1221 FAX: (512) 459-1511
http://www.texasmha.com

UTAH

Utah Manufactured Housing Association P.O. Box 201 Sun Valley, ID 83353
PH: (208) 343-1722 FAX: (208) 622-6523
http://www.utahmha.org

VERMONT

Vermont Manufactured Housing Association 165 Kellogg Road Coldchester, Vermont 05446
PH: (802) 872-5808 FAX: (802) 879-7710
No Current Website On Record

VIRGINIA

Virginia Manufactured Housing Association 8413 Patterson Avenue Richmond, Virginia 23229
PH: (800) 282-0812 FAX: (804) 741-3027
http://www.vammha.org

WASHINGTON

Washington Manufactured Housing Association 1530 Evergreen Park Drive SW Olympia, Washington 98502
PH: (360) 357-5650 FAX: (360) 357-5651
http://www.nwpride.org

WASHINGTON

Manufactured Housing Communities of Washington, Inc. 509 East 12th Avenue, S.E. Suite 7 Olympia, Washington 98501
PH: (360) 753-8730 FAX: (360) 753-8731
http://www.mhcw.org

WISCONSIN

Wisconsin Manufactured Housing Alliance 202 State Street, Suite 200 Madison, Wisconsin 53703
PH: (608) 255-3131 FAX: (608) 255-5595
http://www.housingalliance.us

WYOMING

Wyoming Manufactured Housing Alliance P.O. Box 1493 Riverton, Wyoming 82501
PH: (307) 857-6001 FAX: (307) 857-0537
No Current Website On Record

NATIONWIDE ASSOCIATIONS

MANUFACTURED HOUSING INSTITUTE 2101 Wilson Blvd., Suite 610 Arlington, VA 22201-3062
PH: (703) 558-0400 FAX: (703) 558-0401
http://www.manufacturedhousing.org

MANUFACTURED HOUSING ASSOCIATION FOR REGULATORY REFORM 1331 Pennsylvania Avenue, N.W., Suite 508 Washington, District of Columbia 20004
PH: (202) 783-4087 FAX: (202) 783-4075
No Current Website On Record

RECREATIONAL PARK TRAILER INDUSTRY ASSOCIATION 30 Greenville St 2nd Floor Newnan, Georgia 30263-2602
PH: (770) 251-2672 FAX: (770) 251-0025
http://www.rptia.com

• What's it worth? Murky pricing hurts consumers in the manufactured housing industry. (PDF or HTML)
• Consumers Union’s Tips on Mobile Homes START HERE! Our most popular resource, this detailed brochure gets you started shopping for a home and contains our popular buyer's checklist. 
• Buying a Manufactured Home, a 30-minute consumer education video by CRA-NC
• Dealing with Dealers and Financiers (when buying a Manufactured Home)  Short, common sense advice for negotiating your home purchase. (HTML)  (PDF)
• Manufactured Home Warranty Tips

• Manufactured Housing: A home that the law still treats like a car Look at how manufactured homes are subject to repossesion laws written for cars and couches, and how these laws lack the protections offered conventional homebuyers in the foreclosure process. (PDF or HTML)
• Share Your Story Share your experience with manufactured homes with us, so we can share it with others.
• 10 ways to protect yourself buying a Manufactured Home Buying a manufactured home is a challenging process that more closely resembles the process of buying a car than buying a conventional home. We give ten tips for savvy shoppers.
• Know Your Company’s Complaint History Your state regulator has information you might want to know - but is it easily available?
• Frequently Asked Questions Answers to some of the most common inquires we recieve from consumers.
• Finding the Right Manufactured Home Buying Information for You We review books that cover the manufactured home buying experiance.
• Manufactured Homeowners Who Rent Lots Lack Security of Basic Tenants Rights (report)
• "The Aribitration Trap": How Consumers Pay For 'Low Cost Justice' (Consumer Reports Article)
• Paper Tiger, Missing Dragon Poor Service and Worse Enforcement Leave Manufactured Homeowners in the Lurch
• In Over Our Heads: Predatory Lending and Fraud in Manufactured Housing The details of a transaction can turn a good home into a bad deal.  In this report, learn from the stories of consumers who reported problems with their financing or sales pitch.
• Dream home. . . or nightmare? This 1998 Consumer Reports article is still a useful reference for consumers. (Consumer Reports Article)

• Buying Tips
• Complaint Information
• Home Quality and Safety Concerns
• Discussion Groups
• Homeowner Organizations
• Landlord Tenant Law

Manufactured Housing Industry

Manufactured Housing Institute (MHI) – www.manufacturedhousing.org
Colorado Manufactured Housing Association – www.coloradohome.org
US Census – Manufactured Housing – www.census.gov/const/www/mhsindex.html

Government Agencies and GSE Contacts

Department of Veteran's Affairs – www.va.gov
Ginnie Mae – www.ginniemae.gov
HUD's Client Information and Policy System (HUDCLIPS) – www.hudclips.org
Fannie Mae – www.fanniemae.com
Federal Deposit Insurance Corporation (FDIC) – www.fdic.gov
Freddie Mac – www.freddiemac.com
U.S. Department of Housing and Urban Development (HUD) – www.hud.gov
U.S. Small Business Administration (SBA) – www.sba.gov

Mortgage Banking

Mortgage Bankers Association – www.mortgagebankers.org
Mortgage Subservicing – www.mortgagesubservicing.com

Legal Networks

United States Foreclosure Network (USFN) – www.usfn.org
American Foreclosure Network (AFN) – www.e-afn.org
LOGS Group – www.logs.com

Mobile Home Investing

Creative Real Estate Online – www.creonline.com
Assets 101 – www.assets101.com

ALABAMA Alabama Manufactured Housing Institute PO Box 241607, Montgomery, AL 36124 (334) 244-7828 snorris@charter.net www.amhi.org ARIZONA Manufactured Housing Industry of Arizona 4525 South Lakeshore Drive, Suite 105 Tempe, AZ 85282 (480) 456-6530 (480) 456-6529 fax Email: info@mhiaz.org www.mhiaz.org Manufactured Housing Communities of Arizona 4700 East Thomas Road Suite 103 Phoenix, AZ 85018 Phone: (602) 952-1102 Fax: (602) 952-1173 Email: lindholm47@hotmail.com ARKANSAS Arkansas Manufactured Housing Association 2500 McCain Place. Suite 230 N Little Rock AR 72116 (501) 771-0444 (501) 771-0445 jdharper@amha.net www.amha.net CALIFORNIA California Manufactured Housing Institute 10630 Town Center Drive, Suite 120 Rancho Cucamonga CA 91730 (909) 987-2599 (909) 989-0434 fax www.cmhi.org Western Mobilehome Parkowners Association 455 Capital Mall #800 Sacramento CA 95814 (916) 448-7002 (916) 448-7085 (fax) info@wma.org www.wma.org California Mobilehome Parkowners Alliance 1801 E. Edinger Avenue, Suite 230 Santa Ana, CA 92705 (714) 480-1120 Ext. 104 (714) 480-1137 (fax) mcm.att.net@worldnet.att.net COLORADO Colorado Manufactured Housing Association 1410 Grant St. Suite #D110 Denver, Colorado 80203 (303) 832-2022 www.coloradohome.org CONNECTICUT Connecticut Manufactured Housing Association PO Box 605, Bristol, CT 06011 (860) 584-5915 atlantich@aol.com www.ctmha.com DELAWARE Delaware Manufactured Housing Association Treadway Towers, Suite 309 Dover DE 19901 (302) 678-2588 (302) 678-4767 fax First State Manufactured Housing Association PO Box 1829, Dover, DE 19903 (302) 674-5868 phyllis@firststatemha.org www.firststate.org FLORIDA Florida Manufactured Housing Association 2958 Wellington Circle N, Tallahassee, FL 32309 (850) 907-9111 info@fmha.org www.fmha.org GEORGIA Georgia Manufactured Housing Association 1000 Circle 75 Pkwy, Atlanta, GA 30339 (770) 955-4522 vlruddell@mindspring.com www.gmha.com IDAHO Idaho Manufactured Housing Association PO Box 201, Sun Valley, ID 83353 (208) 343-1722 www.nevadamha.org ILLINOIS Illinois Manufactured Housing Association 3888 Peoria Rd. Springfield, IL 62702 (217) 528-3423 thieman@imha.org www.imha.org Illinois Housing Institute 6547 N Avondale, Chicago, IL 60631 (773) 635-9000 trzeman@aol.com Mobile Home Owners Association of Illinois 1330 East Rand Rd #135 Des Planes, IL 60016 mhoai1@aol.com www.mhoai.org INDIANA Manufactured Housing Association 3210 Rand Rd. Indianapolis, IN 46241 (317) 247-6258 dennis@imharvic.org www.imharvic.org IOWA Manufactured Housing Association of Iowa 1400 Dean Avenue Des Moines IA 50316 (515) 265-1497 (515) 265-6480 fax KANSAS Kansas Manufactured Housing Association 3521 SW 5th St. Topeka, KS 66606 (785) 357-5256 kmha1@mindspring.com www.kansashome.net KENTUCKY Kentucky Manufactured Housing Institute 2170 US 127 S, Frankfort, KY 40601 (502) 223-0490 kmhi@dcr.net www.kmhi.org LOUISIANA Louisiana Manufactured Housing Association 4947 Revere Avenue Baton Rouge LA 70808 (504) 925-9041 (504) 925-1208 fax www.lmha.com MAINE Manufactured Housing Association of Maine 57 Coyle St. Portland, ME 4101 (207) 761-4221 kbrownmohr@worldnet.att.net MASSACHUSETTS Massachusetts Manufactured Housing Association P.O. Box 5963 Malborough, MA 01752 (508) 460-9523 (508) 460-9361 fax www.Massmha.org MARYLAND Manufactured Housing Institute of Maryland, Inc P. 0. Box 78, Pinto, MD 21556 (888) MHI-OF-MD, (301) 729-3011 fax mhin@atlanticbbn.net www.mhiofmd.com MICHIGAN Michigan Housing Association 2222 Association Drive Okemos MI 48864-5978 (517) 349-3300 (517) 349-3543 fax www.michhome.org MINNESOTA Minnesota Manufactured Housing Association 1540 Humboldt Ave. #205 W .Saint Paul MN 55118 (651) 450-4700 www.mnmfghome.org MISSISSIPPI Mississippi Manufactured Housing Association P. 0. Box 54266 Pearl MS 39288-4266 (601) 939-8820 (601) 939-7988 fax Physical Location 1001 Airport Road Flowood MS 39208 www.msmmha.com

MISSOURI Missouri Manufactured Housing Association P.O. Box 1365, 4748 Country Club Drive Jefferson City MO 65102 (573) 636-8660 (573) 636-4912 fax www.mmha.net MONTANA Montana Manufactured Housing Association 7 West 6th Avenue, Suite 4I Helena MT 59601 (406) 442-2164 (406) 442-8018 fax stuart@initco.net www.mtmha.org NEBRASKA Nebraska Manufactured Housing Association 5300 West 0 Street Lincoln NE 68528 (800) 446.9637 (402) 475-3675 (402) 475-1359 fax www.nemanufacturedhomes.com Info@NeManufacturedHomes.com NEVADA Nevada Manufactured Housing Association 3160 E. Desert Inn Road, #3-165 Las Vegas NV 89121 (702) 737-7778 (702) 737-4299 fax www.nevadamha.org Info@Nevadamha.org Manufactured Home Community Owners 4055 South Spencer, Las Vegas, NV 89119 (702) 731-1900 mmmhconv@aol.com www.mhconv.com NEW HAMPSHIRE New Hampshire Manufactured Housing Association PO Box 451, Concord, NH 03302-045 (603) 629-9369 jgrimbilas@biancopa.com NEW JERSEY New Jersey Manufactured Housing Association P.O. Box 3172 Trenton NJ 08619-0172 (609) 588-9040 (609) 588-9041 fax www.njmha.org NEW MEXICO New Mexico Manufactured Housing Association 2155 Louisiana Blvd. NE, Albuquerque, NM 87110 (505) 830-3764 nmmha@nmmha.com www.nmmha.com NEW YORK New York Manufactured Housing Association 35 Commerce Ave. Albany NY 12206 (518) 435-9858 www.nymha.org NORTH CAROLINA North Carolina Manufactured Housing Institute P.O. Box 58648 Raleigh NC 27658-6648 (919) 972-2740 (919) 872-4826 fax www.ncmhi.com NORTH DAKOTA North Dakota Manufactured Housing Association P.0. Box 2681 Bismarck ND 58502 (701) 223-5390 (701) 2223-5390 fax www.ndmha.com OHIO Ohio Manufactured Housing Association 201 Bradenton Avenue, Suite 100 Dublin OH 43017-3540 (614) 799-2340 (614) 799-0616 fax www.omha-usa.org OKLAHOMA Manufactured Housing Association of Oklahoma 6400 S. Shields Blvd Oklahoma City, Ok 73149 (405) 634-5050 (800) 234-MHAO (405) 949-1155 fax www.mhao.org mhao@mhao.org OREGON Manufactured Housing & Mobile Home Communities of Oregon. 3857 Wolverine Street, NE, Suite 22 Salem OR 97305 (800) 488-6426 (503) 391-4652 fax www.mhco.org Oregon Manufactured Housing Association 2255 State Street Salem OR 97301 (503) 364-2470 (503) 371-7374 fax www.omha.com PENNSYLVANIA Pennsylvania Manufactured Housing Association 315 Limekiln Road New Cumberland PA 17070 (888) 242-7642 (717) 774-3440 (717) 774-5596 fax www.pmha.org SOUTH CAROLINA Manufactured Housing Institute of South Carolina P.O. Box 1781 Columbia SC 29202 (803) 771-9046 (803) 771-7023 fax mhisc@mhisc.com SOUTH DAKOTA South Dakota Manufactured Housing Association P.O. Box 7077 Pierre, SD 57501 (605) 224-2540 www.sdmha.com TENNESSEE Tennessee Manufactured Housing Association 604 4th Ave North Nashville TN 37219 (615) 256-4733 (615) 255-8969 fax www.tnmha.net TEXAS Texas Manufactured Housing Association 816 Congress, Suite 940 Austin TX 78761 (512) 459-1221 (512) 459-1511 fax www.texasmha.com UTAH Utah Manufactured Housing Association P.O. Box 201 Sun Valley ID 83353 (208) 343-1722 www.utahmha.org VERMONT Vermont Manufactured Housing Association 165 Kellogg Road, Box 700 Colchester, VT 15446 (802) 879-7712 VIRGINIA Virginia Manufactured Housing Association 8413 Patterson Ave. Richmond, VA 23229 (804) 750-2500 (804) 741-3027 fax WASHINGTON Manufactured Housing & Mobile Home Communities of Washington 509 E. 12th Avenue, S.E., Suite 7 Olympia, WA 98501 (206) 753-9730 (206) 753-9731 fax www.mhcw.org Washington Manufactured Housing Association 1530 Evergreen Park Drive SW 0lympia WA 98502-0800 www.nwpride.org WEST VIRGINIA West Virginia Manufactured Housing Association 205 First Ave S. Nitro, WV 25143 (304) 727-7431 Mountain State Manufactured Housing Association 117 Summers St. Charleston, WV 25301 (304) 352-6764 dphillips@arnoldagency.com WISCONSIN Wisconsin Manufactured Housing Association 202 State Street, Suite 200 Madison WI 53703 (608) 255-3131 (608) 255-5395 fax www.wmha.org Wisconsin Housing Alliance WI 202 State St., Madison, WI 53703 (608) 255-3131 ross@wmha.org www.housingalliance.us WYOMING Wyoming Manufactured Housing Association P.O. Box 1493 Riverton, WY 82501 (307) 857-6001

 

Loan Questions And Answers

 Mobile Home Loans Q & A  

• What is the Fico range for good, fair & bad credit rating with manufactured lending?
  Good credit is usually defined as the borrowers with few if any past or present collections, good income & credit over 680 fico. Fair credit borrowers would have more deragatories, lower income & credit from 600 fico to 679. Generally bad credit is those clients with a previous bankruptcy or significant ongoing collections and/or leins, significant debt, lawsuits amd/or past or present ongoing foreclosure and a credit score of 599 and below. (in some cases credit score is not the only determining factor for a fair credit loan. We will always try to qualify you fair credit first)
• What is debt to income ratio?
  Debt to income ratio is the calculation used by us to determine how large of a loan balance your income can support. Typically this calculation is figured by adding all your bill's minimum payments due each month, your space rent & new mortgage payment divide by your gross income.
• What is the lowest down payment I can put down: for good credit 5% down on land home & in park. In some case we allow for 100% financing when getting the home at a significant valuation.
• What loan term will be best for me?
  This depends on your goals. If your goal is to pay off the home quicker then a shorter term is suggested. If your goal is lowest payment then a longer term is best.
• What will my closing costs be?
  Good credit borrowers never pay points & the closing cost for these borrowers is usually $1300 to $1800. Bad credit borrowers will usually have to pay points. Typically, our closing cost ranges from $2700 to $4800 depending on the loan size. (In some cases bad credit borrowers may require more closing cost depending on overwhelming negative factors)We do have no closing cost programs.
• Can I consolidate bills? Yes. In some cases we actually may have to pay bills to get your debt versus income inline.
• Can the seller assist with down payment?
  Not on good credit loans. In CA, OR & WA we have a program where the seller can assist with securing part of the risk in a bad credit mobile home purchase loan... they may also assist with closing cost, repairs, fire insurance and home warranty. We do allow gift for down payment. 
• What items must be prepaid?
  There are no pre-pay items. Typically we allow you to finance into your new bad credit purchase loan up to 2 year of fire insurace, 2 years of a home warranty program, closing cost and up to 6 months of space rent.
• How long is quoted interest rates good for?
  Called a rate lock, under normal instances we lock the rate for 60 days which is free to the client. 
• How long will the approval take?
  With a complete file and motivated client approvals take 30 minutes with loan closings in as quick as 3 days for bad credit & 7 days for good credit.
• Will the loan have a prepayment penalty?
  Absolutely not. Even with a bad credit standing we won't be assigning a pre-pay penalty. 

• Experience.
  Founded in 1999, LoanJunction.com has processed and funded 10's of thousands of mobile home loans.
• Customer Service.
  We are only as good as our last clients says we are. That's why with every customer we'll move mountains for the privilege to be your lender. With caring staff, 24 hour customer service & online account management we intend to move mountains for you for years to come.
• Financial Resources.
  LoanJunction.com is a national lender drawing upon over 4 billion in investment capital for our clients needs. 
• Track Record.
  You don't get to be a proud AAA rated Better Business Bureau company by doing things the wrong way. We intend to keep it that way.
• Community Support.
  We have a larger responsibility to support our clients long after the transaction is done. Please visit our Park Crime Prevention Page to join us in keeping our park communities safe and crime free; Also As rent control advocates, no one is more out spoken about keeping our parks free of exuberant & predatory rent increases.
• Technology.
  With an eye on the 22nd century, our client management services are second to none. Our award winning online operations coupled with 24 live customer service, automated bill pay and rate decrease notifications we stand at the forefront of mobile home lendings' long awaited technological revolution.
• Hands On.
  There are no substitutions for rolling up the sleeves to get the job done right. That's why each client is assigned a proven & considerate account executive to oversee the loan transaction from start to finish. This is your guy or gal in the trenches with their "hands on" approach.
• Accountability.
  Each staff member is 100% accountable to you and your needs. Whether the loan has unforeseen difficulties, or tough measures need to be taken, our staff from the president on down will always field your calls and/or concerns.

Last Updated:  Thursday, January 03, 2008 

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