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Manufactured home loan products

Many financial institutions offer loan products that consumers can utilize to accomplish their financial goals. The products we offer are for the manufactured home only and considered portfolio loans. This means we use our own funds and service the loan from start to finish, never selling the servicing rights. A loan product describes the term, purpose and eligibility so applicants can determine if it is appropriate for their intended use. All Credit Human's loan products offer (2) occupancy types, primary residence and second home. The following loan products are offered by Credit Human: 

 

New home purchase

This product allows consumers to buy homes directly from a retailer.

Product terms:

Single-section homes: Terms of 5-15 years in length

Multi-section homes: Terms of 5-20 years in length

 

Used home purchase

This product allows for consumers to buy homes from retailers, individuals or other businesses.

Product terms:

Single-section homes: Terms of 5-15 years in length (15 years old or newer)

Multi-section homes: Terms of 5-20 years in length (Homes as old as 1976**)

 

Refinance

This product allows for consumers to pay off their existing home loan with a new rate, different term, make title changes and even take limited equity out.

Product terms:

Single-section homes: Terms of 5-15 years in length (15 years old or newer) No equity available.

Multi-section homes: Terms of 5-20 years in length (Equity available on models 20 years old and newer*, **)

* Equity out not available in some states

** Pre-HUD 1970-76 in CA only-maximum term 15 years