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  Mobile Home Financing - Manufactured Home Loans - Mobile and Manufactured Home Refinancing --- Get the Best Rates & Terms! -- Mobile home, modular home loans and refinancing Loans, a nations leader in Manufactured and Mobile Home Financing, Loans, and Refinancing for homes in parks and communities. -- Free Quote and No Obligation --- Mobile Home Refinancing - Mobile Home Loans - Refinance -- Skip A Payment --- Mobile Home Financing - Interested in a mobile home refinance or a loan for financing the purchase of a mobile home. Ask us about a mobile home refinancing loans or about a mobile home loan. Financing and refinancing for manufactured, mobile and modular homes. Fixed Rates ---
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Whether you're a first-time home buyer or a seasoned home owner, buying
or refinancing a home is a complex process. Fixed rate and adjustable rate
financing plans for your house are just some of the many different combinations
of mortgages and home loan programs custom designed to fit your needs.
Earth Works Trust ....    Where Great Rates, Great Programs and Customer Service Meet
Mobile Home Refinancing, Loans, Mobile Home Financing, Home Equity Loans, Mobile Home Refinancing Nationwide    
Mortgage Refinancing,-  Mobile Home Financing - Manufactured Home Loans - Mobile and Manufactured Home Refinancing
Mobile Home Financing - Manufactured Home Loans - Mobile & Manufactured Home Refinancing
Credit Card Debt ... How it Affects your FICO Score
If you are thinking of financing or refinancing a mobile home in a park or on land,
it's a good idea to understand some basic, but little-known, guidelines about credit card
debt.  Most importantly, the three major credit bureaus (TransUnion, Experian, and
Equifax) have methods for considering credit card debt and are similar among the three.

First, it is recommended to owe 30% or less of a credit card's limit
Second, if a borrower has more than three or so credit cards, considered "revolving
credit," in addition to other revolving acccounts, such as department store accounts, then
this is viewed more negatively than fewer accounts and can significantly lower a FICO.
Third, and almost the opposite, is not having enough established credit history with
several good accounts.
Fourth, most lenders look for at least one installment loan, such as an auto loan, and at
least two revolving accounts opened and in good standing for at least two years.  The
credit bureaus also need this payment history to produce a score.







Start Now to see why we always "Go the Extra Mile" to ensure you receive the best rate
and term for your loan with friendly, professional service.  We know you have choices when
choosing a lending professional ... you've made the right choice with us.
Thank you for choosing Earth Works Trust!
Finally, as an aside, many borrowers think it's best not to use credit and prefer to be on a
cash basis for all the purchases.  Unfortunately, without any established credit, they may
be surprised that the bureaus cannot even generate a credit score at all without some
kind of established history.  Manufactured home loan financing and refinancing is our
specialty, and we're pleased to offer our valued customers all the information they need
in order to best prepare themselves to qualify for a loan.