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Purchase or Refinance
Earth Works Trust Inc.
Manufactured and Mobile Home Loans Nationwide
Faster, Easier and Safer
Copyright ©1999-2010 Earth Works Trust Inc. All Rights Reserved  
Privacy policy: We respect your privacy! Your information will always be kept confidential and will never be distributed or sold!  
Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, Florida FL, Georgia GA, Hawaii HI, Idaho ID,
Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi
MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ,
New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA,
Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA,
West Virginia WV, Wisconsin WI, Wyoming WY,  Loans Home Financing and Refinancing Mobile, Manufactured, Modular Homes
Our professional staff has decades of experience providing mortgage loan solutions to thousands of customers with customer service second to none.  
Refinancing your current mobile home mortgage loan could save you thousands over the life of the loan and also provide cash for anything you choose --
mobile home refinancing for debt consolidation, mobile home equity loan refinance, tuition, home improvement loans and more.  If you don't see it - ASK
Mobile Home Loans - Lower your interest rate - Reduce your monthly payment - Shorten the term of your loan - Non-primary residence   
Mobile Home Refinancing - Cash Out - Mobile Home Refinance - Fixed rates - No prepayment penalties - No upfront costs - FREE NO OBLIGATION
Mobile Home Financing - Manufactured Home Loans - Mobile & Manufactured Home Refinancing
Manufactured and mobile home loans, refinancing and financing in a Park, leased or family land. Cash Out, debt consolidation,
home equity loan, shorten the loan term or lower the interest rate on your double wide or single wide mobile home loan.
  Mobile and Manufactured Home Financing - Mobile Home Loans
Frequently Answered Questions
Q. Is single wide or double wide lender refinancing available for homes in parks,
on leased,  family land, or land where the deed or mortgage is separate from the
home?
A. Yes!  These are "home only" or "chattel" loans,  and there are excellent rates
and terms for refinance. In newer homes, a mobile home equity loan may be
available.
Q. Is refinancing available for homes with land tied by way of deed or mortgage?
A.  Yes!  In most states refinancing is available, often equity is available for debt
consolidation or home improvements depending on the home value. These are
“land/home packages.”  Certain conditions apply.
Q. How do I save money by refinancing my home?
A. First, by obtaining a lower interest rate.  Also, you may wish to shorten the
loan term  which often saves thousands in interest over the life of the loan.
Q. What do I need to qualify?
A. Verifiable income with consistent 3-year employment history.  Self-employed
borrowers need two years tax returns showing sufficient net income to support
debt. Minimum credit guidelines apply.  Each situation is different, and loan types
depend on several factors: year of home, manufacturer, home value, land value,
foundation type, credit history, income, employment history and total debts
among other factors.
Q. Is the age of the home a factor to a refinancing lender?
A. Yes.  The home must be newer than 1977 in most cases.  The newer the
home the more likely equity cash will be available. Models older than 1977 in
California may qualify for mobile home equity loans as well.
Q. What does it cost to apply for manufactured refinancing or to get a quote?
A. There is NO loan application fee, obligation or cost for a quote.