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LoanJunction.com

Revolutionizing Mobile Home Loans





vaccinations?
pet care?
keys?
house alarm?
travel to airport?
cancel milk?
cancel papers?

tickets & paperwork
passports
driving licences
visas
insurance
medication

hand luggage
travel snacks
... and sun cream!

 

Opinions?

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Basically, a general rule to remember is we are building a case to the Underwriter on every loan submission. Therefore anything that makes you look good to the bank should be submitted; things like child support, Structured settlements and rental agreements for other properties are all Examples of things that make you look good to the bank.


Furthermore: Mobile home loans are not like regular home loans in the sense that they are processed and evaluated case by case. If there are things that make your file look better let us know. It is our goal to provide you with the best mobile home loan that is available and in most cases we’ll need you to work as hard as we will to accomplish this goal.


Please fill in your application as complete as possible. As well if there are things we need to know about…things like an ex spouse still on title, home being a rental property or 2nd home, loss of job or change in careers are all critical things that you should tell us about up front, as we will inevitably find them out anyway. If there are foundation issues, park lease issues, home repair issues or any other major thing please let us know…it will only help.


Again thank you for inquiring with LoanJunction.com. Myself & the LoanJunction Staff value the manufactured industry, value customer service, value our reputation, value our park communities but most of all we value You.

 Mobile Home Loans Q & A 

Tools & Links To Fight Crime In Your Manufactured Home Community Or Mobile Home Park

A Message From The President & CEO of LoanJunction.com

Dear Manufactured Home Resident:

We as manufactured home service providers, you as manufactured homeoners and those that are representing us as park management/owners have identical responsibilities and are equally mandated to the struggle of protecting our mobile home communities and parks from crime, corruption, scam artists and predators.

We are obligated for many obvious reasons. The most important to myself is the protection for the right of human kind to live in a safe and secure environment. A safe, clean and crime free park gives us a place to retire, grow our kids or just have afforable housing in peace and safety. Protecting our parks and communities can bring up the quality of life to mobile home living communities all around the country. This will bring in a more responsible mobile home dweller, give our seniors peace of mind, imbolden the lenders and manufacturers to provide better services & better homes and frankly once and for all shed the stigma of "trailer parks."

These responsibilities and challenges I speak of won't be easy. Safety, freedom and the pursuit of happiness have never been easy for this nation and it won't be for us involved in the manufactured housing industries or communities....still it is our responsibility and challenge nonetheless. LoanJunction.com Inc and myself are committed to safe living conditions in mobile & manufactured housing communities around the country.

We have created this web page to aide in the awareness of manufactured housing community crime. We hope that home owners, lenders, manufacturers, park mangers, park owners and anyone else involved in the manufactured industry will use these links and tools to increase awarness and diligence to making our housing communities cleaner, safer and drug free.

Sincerely,

Kenneth L. Crader : President & CEO / LoanJunction.com Inc.

P.S. If you find yourself afraid to report a mobile home park crime, call me directly at 800-9LEND99 and I will report it keeping you 100% anonymous.

Crime Prevention brochures (in PDF format):

Prevention For Seniors

These brochures are designed to be printed, photocopied, and distributed in local communities. Most have space to include sponsors, local phone numbers, and addresses so that you can customize them. All are in Adobe PDF format. These are ideal to give to senior citizens and to people who work with this population.

General Safety

Safer Seniors

Senior Citizens Against Crime



Fraud and ID Theft

Protecting Your Private Information

Identity Theft

Protect Yourself From Telephone Fraud

Online Auction Fraud

Preventing Charity Fraud

Use Common Sense to Spot a Con

Don't Be Scammed!

Protecting Yourself From Counterfeit Drugs

Home Safety

These brochures are designed to be printed, photocopied, and distributed in local communities. Most have space to include sponsors, local phone numbers, and addresses so that you can customize them. All are in Adobe PDF format.

Home and Neighborhood Security

Home Security - Invest In It Now

Home Security Checklist

Lock Crime OUT of Your Home

A Safety Checklist for Apartments

Don't Let Your Guard Down Just Because You Live in the Country

Street Sense: It's Common Sense

Disaster Preparedness: A Checklist

Working Safely At Home

Crime Prevention For People with Disabilities


Auto Theft

Don't Make it Easy for a Thief to Steal Your Wheels

Vacation Safety

Pack Your Street Sense When You Pack Your Bags

Family Vacation Fun and Safety

Tips for Safe and Happy Holidays

Preparedness Guide for Travelers


Violence

Checklist for Violence Prevention

The Hidden Crime: Domestic Violence

Family Violence Hurts Everyone



En Español

Como Evitar que la Delincuencía Penetre en su Hogar (Home Safety)

Ser Sensato en la Calle es Tener Sentido Común (Being Street Smart is Common Sense)

Adolescentes Víctimas de la Criminalidad (Teen Victims of Crime)

Un Futuro más Seguro para las Personas Mayores (A Safer Future for Seniors)

Neighborhood Watch

These brochures are designed to be printed, photocopied, and distributed in local communities. Most have space to include sponsors, local phone numbers, and addresses so that you can customize them. All are in Adobe PDF format.

Neighborhood Watch

Taking Back Your Neighborhood



Take A Stand: Join Neighborhood Watch

Starting a Neighborhood Watch

A Checklist for Starting a Neighborhood Watch

Law Enforcement Needs Your Help

Newspaper Mat: Get Teens Involved in Making Communities Safer

Take Crime Prevention to Work

Prevention At Work


Preparedness and Others

Disaster Preparedness: A Checklist

What Teens Can Do Against Terrorism


Newspaper Mat: Protect Your Neighborhood Against Crime, Terrorism


En Español

Tome Posición Frente Al Crimen (Take a Stand Against Crime)

More Links

Publications Available Online

NCPC offers many of its publications online, either in Adobe PDF format or in text (HTML) version. You can also purchase all NCPC publications in the McGruff Store or by calling 800-NCPC-911. Select a topic below to see which related publications are available online.

Topics

Personal Safety

Home and Neighborhood Safety

School Safety

Bullying

Conflict Resolution

Violence

Fraud

Work Safety

Hate/Bias

Alcohol, Tobacco, and Other Drugs

Preparedness

Volunteering

Neighborhood Watch

Safety Tips For Seniors Living In Mobile Home Parks:

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Safety for Seniors

As people grow older, their chance of being victims of crime usually decreases dramatically. But a lifetime of experience coupled with the physical problems associated with aging often make older Americans fearful, especially those living in mobile home communities. Though they're on the lookout constantly for physical attack and burglary, they're not as alert to frauds and con games - in reality the greatest crime threat to seniors' well being and trust.

Want to conquer fear and prevent crime? Take these common-sense precautions.

Find out more about protecting your mobile home.

Find out more about frauds and cons to mobile home residents as well as housing communities.

Find out more about mobile home park neighborhood action.

Get Involved in the Mobile Home Park Community

Report any crime or suspicious activities to law enforcement.

Form a neighborhood watch to look out for each other and help the police.

Work to change conditions that hurt your neighborhood.

Volunteer as a citizen patroller, tutor for children, office aide in the police or fire departments, mentor for teens, escort for individuals with disabilities.

Does Your Mobile Home Community Have a Triad Program?

It's sponsored on a national level by the American Association of Retired Persons (AARP), the International Association of Chiefs of Police, and the National Sheriffs' Association (NSA). Triad promotes partnerships between senior citizens and the law enforcement community, both to prevent crime against the elderly and to help law enforcement benefit from the talents of older people. If you're interested, contact your chief of police, sheriff, or AARP chapter or call Triad at NSA, 703-836-7827.

Avoid Holiday Theft

Although we'd like to believe the holidays bring out peace on earth and good will towards men (as the Christmas carol goes), the weeks between Thanksgiving and New Year's Day tend to be a prime season for criminals. During this busy time of year, you can take some easy precautions to prevent becoming a victim of theft. Consider the following safety tips:

When holiday shopping:

At home:

During the holidays, many people can become careless and vulnerable to theft and other holiday crime. Protecting yourself and your home from potential crime is the easiest way to ensure a safe and happy holiday season.

Crime Prevention Links

More Crime Prevention Tips

Park Managers & Park Owners You Can Stop Crime at the Front Door

The simple fact that management has a rental application suggests that management has the right to select who lives in a manufactured housing rental community. This is an advantage that all housing communities do not enjoy. But management will enjoy this advantage only if they use it to their advantage.

Residents of “single family home” neighborhoods have no control over who buys a house and moves in next door to them. The management and owners of a manufactured housing community need to understand that no one can move into their rental community without asking for, and receiving permission.

This gives managers and owners an awful lot of responsibility. And therefore, liability. Management has a responsibility to tenants in their community. In fact, virtually everywhere in the United States, management has a legal duty to provide a safe environment for their tenants to live in.

If management does not live up to that responsibility, management may possibly be held liable for the criminal action of others. For example: if property management allows a convicted sex offender to move into the rental community and the offender molests a child on the premises, management may be held civilly liable for his actions.

A few basic screening procedures may enable management to relieve that liability while at the same time fulfilling their responsibility to their tenants.

Understanding Fair Housing Laws

Simply put, the Federal Fair Housing Laws strictly prohibit any discrimination against protected classes. Some of those protected classes include, but are not limited to:

What many people are not aware of is that EVERYONE is in a protected class! If you think about it, everyone has a race, a color, a gender, a national origin, etc. No one can discriminate against any applicant based on their color, regardless of what color they are. No one can be denied residency based on their national origin, regardless of where they were born.

Tenant Criteria

Since the fair housing laws protect every applicant, management has one of two choices.

1. Accept every one who applies. I do not recommend that management does this. (Management must be able to justify why they refused an applicant. In a discrimination case, the management has the burden of to prove their action was not discriminatory.)

-- or --

2. Scrutinize applications to be certain they meet acceptable rental criterion. In order to justify denying an application, management will have to show that they did not discriminate against one of the protected classes in their decision. One of the best ways to protect against fair housing complaints is to have written rental criteria that every applicant must meet when filling out the rental application.

This written criterion serves two purposes. First, it serves, as a pre-screening tool to weed out the applicants that will not qualify to live in the rental community. Second, it gives management set standards that every applicant must meet. This provides management the proper justification to deny an application.

In most states, management has the freedom and responsibility to determine what the criteria will be. Management can make it as lax or strict as they want, as long as they do not discriminate against one of the protected classes. Familial status may not apply the same in a 55+ (or adult) community.

It’s Worth The Effort

Property managers and owners have differing views on how, or if, they should screen prospective residents. Some have rigid guidelines; others feel that calling references or checking prospective residents is not worth the effort.

Remember that management actually picks their problem residents. No one can move into their community unless management allows them to live there. The severity of the problems management has in their community will depend on the quality of their criteria, rental application and background investigation.

Use The Crime Free Lease Addendum in the Application

This is one example of a Crime Free Addendum, which is signed by rental applicants.

MANUFACTURED HOME SPACE RENTAL
CRIME FREE LEASE ADDENDUM

In consideration for the execution or renewal of a lease of the space identified in the lease or rental agreement, Manager or owner and Tenant agree as follows:

Resident, any member(s) of the resident’s household, guests, or any other person affiliated with the resident, at or near the resident premises:

1. Will not engage in the unlawful manufacturing, selling, using, storing, keeping or giving of an illegal or controlled substance as defined in A.R.S. 13-3451, at any locations, whether on or near the space.

2. Will not engage in any illegal activity, including, but not limited to the following:

3. A single violation of any of the provisions of this addendum will be deemed a serious violation, and a material and an irreparable noncompliance, and will be good cause for immediate termination of the lease under A.R.S. 33-1476, as provided in A.R.S. 33-1485. Unless otherwise provided by law, proof of violation will not require a criminal conviction, but will be by a preponderance of the evidence.

4. In case of conflict between the provisions of this addendum and any other provisions of the lease, the provisions of this addendum will govern.

5. This Lease Addendum is incorporated into the lease executed or renewed this day between Manager or Owner and Tenant.

6. I hereby authorize management to use all police generated reports as direct evidence in all eviction hearings against.

___________________________ Date: ___________
Tenant signature

___________________________ Date: ___________
Tenant signature

___________________________ Date: ___________
Property Manager’s signature


THE APPLICATION FORM

Management should have a set criterion or standards that they want the residents of their manufactured housing community to meet. The application form is their chance to gather information about their future residents. By making their application clear, concise and thorough, management will be able to make an informed decision and ensure that their criterion is being met.

It is imperative that management carefully reads the entire application before accepting it, making sure that every question is fully answered. If the applicant discloses information that does not meet their rental criteria the application should probably be denied.

After accepting the application their job is only half done. The application is of no use to management if they do not carefully screen or verify the information. Management should take the time themselves, or hire someone qualified to do a thorough screening and background check on all of the information received.

Suggested Criminal History Questions:

Management should have a keen interest in the people that want to live in their rental community. No one wants to live next door to a person with a violent or extensive criminal history.

As part of the application process management should ask the applicant, (and any other people who will be living in the home), about their criminal history. If they refuse to disclose this information to the management, they have the option not to rent to them.

It is recommended that management get as much detailed information as they can. To assist management in gathering this information, here are sample questions that may be asked on the application:

Have you, or any member of your household:

1. Ever been arrested, cited, prosecuted, plead guilty to, or been convicted of a crime?

2. Ever been placed on probation, parole, or any other release from jail, or prison?

3. Ever been or currently are a member of a gang?

4. Is there a current warrant for the applicant or any members of their household?

5. Are applicants or any members of their household currently involved in any criminal activity?

6. Ever been evicted or had a forcible detainer filed against you?

7. Ever moved to avoid eviction or because of problems with other tenants or a landlord?

Management should be sure the applicants explain all “Yes” answers in detail. At a minimum management should ask if the applicant or any person living in the home has ever been convicted of a crime. Management should inquire about all crimes, not just felonies. Many of the crimes that will cause management the most problems are not felonies. I do not recommend you discriminate against applicants based on an arrest. This is especially true if the charges were ultimately dropped.

Criminal Background Checks

Many credit reporting agencies will offer to search local or county court records for criminal data pertaining to their prospective tenants. While many of these companies make promising claims, the results they get may vary as greatly as the costs.

It is important to "shop around" for the best results, using a control group of names currently being processed. In most cases, management will see the best results from companies that use licensed private investigators, and search multiple courts and jurisdictions.

Material Falsification

In most states, material falsification of the information provided on the rental application, will allow the management to serve a notice to the resident, terminating the rental agreement.

If the residents claims the misinformation was an “honest mistake” but the corrected information they provide would have disqualified the applicant as well, the manager probably should proceed with the written notice.

If the corrected information would have allowed the resident to qualify, the manager should probably void the notice. Most states allow for an eviction against a resident who has given untrue or misleading information on the application pertaining to such things as:

Refusing An Application

It is important that management keeps documentation for the applications that they have refused to approve. This documentation should be kept in the application file and retained for future use. Along with documentation, management must be consistent in following the defined criteria and standards they have set for their manufactured housing community.

Remember that the Fair Housing Laws do not say you have to turn your I.Q. back 30 points, nor do they require that you have to rent to everyone who applies. The Fair Housing Laws simply prohibit discrimination based on the applicable protected classes in your area.

MANUFACTURED HOME LOANS