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Sterling mobile home financing 2025

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The document is a financing application form for manufactured homes provided by Sterling Associates. It collects personal, financial, and credit information from applicants and co-applicants seeking to purchase or refinance a manufactured home. The form includes sections for applicant details, employment history, assets and liabilities, as well as government monitoring information related to equal credit opportunity laws.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What credit score do I need to finance a mobile home?

What credit score is needed to buy a mobile home? Its best to have a credit score of at least 580 before applying for manufactured home financing. Borrowers with credit scores of 620 or higher have more loan options. Personal loans may require higher scores since theyre not secured or insured.

What credit score is needed for a manufactured home?

Loan Options For Buying A Manufactured Home With Land Conventional Minimum credit score 620 Minimum down payment 3% of homes purchase price Maximum loan amount 2024 baseline conforming loan limit of $766,550; $1,149,825 in high-priced areas of the country Maximum loan term Varies by lender Apr 4, 2024

What is the lowest down payment for a mobile home?

There several reasons why mortgages on manufactured homes are more difficult to obtain and may command higher rates. The first is, typically they are not on owned land. Second, they depreciate. Third, they conceivably can be removed from the land, impairing the lenders security.

Is it harder to finance a mobile home?

It is harder to get a mortgage on a mobile home because they are often considered less secure investments by lenders. Mobile homes tend to depreciate in value over time, unlike traditional homes, which typically appreciate.

What is the oldest mobile home that can be financed?

Whats the oldest manufactured home that can be financed? The oldest manufactured home that can be financed is usually one built after June 15, 1976. Homes built after this date adhere to the HUD Manufactured Home Construction and Safety Standards, making them eligible for financing.