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We are a home only lender, providing Utah manufactured home financing for homes not attached to real property by way of deed or title. We do not finance manufactured homes and land, just the Utah manufactured home. The majority of our customers live in Utah manufactured home parks or in leased lot communities.
Overall, value times loan to value equals the maximum amount to finance, including all fees. Village Mortgage is one of very few lenders in Utah that has certified programs to purchase or refinance manufactured homes with land. And while there are other Manufactured Home financing companies, we invite you to compare program rates on loans for a manufactured home.
Manufactured Home Loans in Utah
Utah is located in the northeastern part of the United States and has a dry continental climate. Manufactured homes in Utah are engineered specifically for the unique characteristics of the environment, with a focus on energy efficiency and minimal long-term maintenance. Therefore, the average price would be $126,000, making the purchase of a prefabricated home a fiscally responsible choice for Utah’s would-be home buyers. These prices may vary in metropolitan areas such as Salt Lake City and West Valley City, where the cost of land and site improvements are typically higher.
We can finance single and multi-section homes as follows, single section homes can be no older than 20 years. All homes must be in good condition, and must not need major repair, to include roofing, skirting, siding and carpeting. The Utah mobile or manufactured home must have been previously titled and cannot be a brand new home being sold by a Utah Dealer. If the home must be financed and then moved, we are not the lender for you. The majority of our Utah customers live in mobile home parks and/ormanufactured home communities, where the land is leased or rented. We also may be able to provide Utah manufactured or mobile home finance if the home sits on a relatives land, and once again is considered personal property.
UTAH MOBILE HOME FINANCING
You may qualify for fast approval and a stress-free loan, even with less than perfect credit. Refinance up to 100% of your home, or purchase a new home with no money down and never pay monthly insurance! At Carefree Homes, we humbly respect and admire all those who have served our country, and we offer our expertise with VA financing to you and your family to help you take advantage of this special program.
You may also qualify for a JCF Lending Group Utah mobile home finance loan if your home and land are not tied together by deed or title. This should not be confused with loan to value, also called LTV. The value is determined by appraisal or book value which will be determined by your loan underwriter. All LTV percentages include any and all fees that are financed into the loan, including taxes & insurance if applicable. As a basic rule, manufactured homes that are ten years old or newer have an LTV of 95%, mobile homes built from 1976 to 1989, have a 85% LTV.
FHA FINANCING
Our Staff will quickly ascertain whether Utah Mobile Home Refinancing will be beneficial. We also have "Live Help" operators standing by 24/7, helping both existing and new customers get the answers to the questions they may have, all in real time. Triad Financial Services, Inc. is one of the oldest and most trusted lenders in the manufactured home industry with over 5... We work hard to help find the perfect loan solution that meets each buyers unique needs. Transported directly from the manufacturer to the site where it will be financed. For example, USDA’s lending partner Metroplex Mortgage Services Inc. is working with the agency to ensure people in rural Florida, Texas, Tennessee and Alabama have a place to call home.
Was founded in 1994 with the sole purpose of providing a low rate Utah manufactured home mortgage. JCF Specializes in Chattel Mortgages, a term used when referring to a loan on a Mobile or Manufactured Home where the land is not a factor and only the manufactured Home will be financed. JCF is here for you, providing the best rate & term Utah manufactured home mortgage available today. Ocated in Las Vegas, Nevada, JCF Lending Group specializes in the financing and refinancing of mobile, modular and manufactured home loans , with specialized programs in 44 States. E are able to offer the lowest Manufactured home loan rates possible along with a Variety of Utah Manufactured Home Loan Programs to meet the needs of a Nation. Was founded in 1994 with the sole purpose of providing a low rate Utah manufactured home loan.
MANUFACTURED HOME REFINANCING
An appraisal may or may not be required, depending on the NADA book value of the home and the amount you plan to finance. An inspection is always required on every Utah mobile home financing loan. An inspection will give the overall condition of the home, and additional options of the mobile home, such as decking, awnings, garages, etc. If we have enough value booking the home out using the inspection, an appraisal is not required.
Headquartered in Las Vegas, Nevada, JCF Lending Group specializes in the financing and refinancing of mobile, modular and manufactured home mortgages in all counties throughout the State of Utah. JCF is recognized as the first lender and/or originator to provide refinance loans for manufactured home owners living in mobile home parks and leased lot manufactured home communities in the Western United States. We offer the lowest Utah mobile home financing rates possible, to meet the need of Utah homeowners.
So, for example, if the park has 300 homes, the ownership of the park is divided up into 300 shares. Because of the multiple owners of the land, we would need each shareholder's permission to accomplish this, which is not feasible. There are proposed law changes in Utah that may open Co-Op parks to personal property financing in the near future. The staff at Mountainside Financial can tailor your Utah mobile home loanquote to suit your needs. Once we lock you in at one of our low fixed interest rates one of our experienced loan officers will guide you through the closing process of your new Utah mobile home loan.
We finance the mobile home, not the land, so we are not concerned about the home being tied to the land by way of foundation. Elite Housing is your dealership of choice for quality manufactured and modular homes in Utah. All our homes are constructed with the finest materials under the protection of a factory roof. Select from hundreds of floor plans from the nation’s top builders including Fleetwood Homes of Nampa and Marlette Homes in Hermiston, Oregon. RanLife Home Loans is one of the few lenders with the ability to finace manufactured homes. At Prime Capital, we work hard to find the perfect loan solution to fit your life.
Eed Manufactured home financing - Whether you are considering buying a used Manufactured home or buying a new manufactured Home, JCF Lending Group will find a Manufactured home mortgage that's right for you. The type of Manufactured home loan received depends of several different factors, the year of the Manufactured home and current value is a strong factor, as is the credit of the applicant and the monthly Income. Another aspect of this program is our low rate guarantee, we will match or beat any other lenders written offer on a comparable finance product.
These homes are titled through Utah Department of Motor Vehicles, and all escrow and/or closing functions will be handled by us, not a 3rd party escrow company, as in real estate transactions. Below we have outlined our basic requirements and guidelines to better assist you. Utah mobile home park loan will also enable you pay your loan off much quicker than you normally would. When you lower your interest rate you can take years off your current manufactured home loan, saving you thousands of dollars in interest payments.
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