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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 

Mobile Home Loan Process & Highlights

An overview of the loan process:

Make no mistake, there's a can be a lot involved in getting a manufactured mortgage loan. You wouldn't be here on our website if you could fill out a one-page application and get the best mobile home loan for you funded the same day. What we do is most of the heavy lifting for you, so you can concentrate on what's important -- preparing to move into your new home, saving money, or making plans for your home equity line of credit.

There are four main steps involved in getting a loan. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for.

Step one: determine how much you can borrow  


This is a function of a couple things. How much of a monthly payment can you afford? And given your unique credit and employment history, income and debt, and goals, how much will LoanJunction loan you? The first part you can get a rough idea of by using the calculators on our website. We'll also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step two: pre-qualify for your loan  


This is where the rubber meets the road and you save the most money. You supply information about your employment, your assets, your residence history, and so on. We get your permission to run your credit score. When we review all this information we give you a Pre-Qualification Letter. Handle it with care -- to a home seller, it's like a suitcase full of cash! Your realty agent will use your Pre-Qual (as they may call it) to make the best offer on the home you choose, and the seller knows you're pre-qualified. It gives you buying clout! And while you're picking out the home that's right for you, we're busy finding the loan that's right for you.

Step three: apply now! We make it easy  


Once you've made an offer and it's been accepted, it's time to complete the mobile home loan application. It couldn't be easier, and you can do it online, right here at our website. When the time is right, we'll order an appraisal of your new home.

Step four: your loan is funded  

Your realty agent and the seller's will work together to designate an escrow/title company to handle the funding of your loan once it's approved. We'll coordinate with the escrow company to make sure all the papers your lender will need are in order, and you'll sign everything at the escrow/title company's office.

You've answered a few questions, given us some detailed information, applied online, and next thing you know, you're moving in! We're in the business of manufactured home mortgage loans -- so we do most of the work. Doesn't that make sense?




THE LOAN PROCESS (4 EASY STEPS)