Where Do I Start? How Do Construction Loans Work? Frequently Asked Questions
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Congratulations on your decision to buy a new home!

We will finance your Land and Home in one simple deal!

How the process works

  1. As any loan would, this process starts with an application and a credit check. Completely filled out application will help us process your file faster. Complete picture of your credit and finances will be matched to the program that's best for you.

  2. You will need to sign a purchase agreement.

  3. You will have to provide the earnest security deposit to your dealer (appraisal & credit check might be paid from that amount).

  4. Approval process starts – verification of the information provided in the application. Usually the following docs must be presented with an application: Current pay stub with year-to-date info; W-2 for the last two years, 2 months bank statements (all pages); copies of ID; if self-employed – 2 years of tax returns (all pages); down payment documentation.

  5. Once the loan is underwritten, the closing of the deal will follow. Professional closing company will take care of this process.

  6. Congratulation! Now you are now a home owner!


Yes, we provide up to 100% financing on double-wide & modular homes!

Mobile Homes with Land:

  • Purchase
  • Refinance
  • Debt Consolidation and/or Home Improvement (based on equity)
  • 620 Score
  • New or existing construction
     

True Modular Homes — 100% LTV!

  • Treated same as site built homes with at least one modular comparable

  • No metal under carriage — must be true modular

  • 600 Score

  • Bankruptcy 2 years — OK

  • New or existing construction

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