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Manufactured Homes: The Hits GO ON!
This news is not going away fast. In the wake of FHA and VA lenders closing the window for funding Manufactured Home Loans (August 09) I am canvassing our network for solutions, conventional, portfolio, you name it. Here's the skinny:
The FEW lenders still funding Manufactured home purchases require:
1. Higher credit standards for both borrowers
2. Higher down payments than stick built homes
3. Higher interest rates and closing points
4. Newer age limitations on the home (which creeps up every year, 1994 is typical)  
My August post on this: http://activerain.com/blogsview/1202931/manufactured-homes-take-a-hit-
What's the Big Deal?  Manufactured homes represent significant risk to the investor because defaults in this housing sector are extremely high. My portfolio lenders won't fund anything older than 1994 . The list of no gos gets longer by the day. 
What's a Seller to Do? While this is not my area or expertise, it appears the loss of good lending terms will seriously affect resale value of all manufactured housing. Higher insurance fees (and fewer insurers) are an ongoing factor.
MFD Specialist Lenders: A Manufactured Home Lender I spoke with today offers 12% interest rates on higher LTV's. They cherry pick the properties and rates depend on age of home, credit factors, etc. They are extremely busy picking ... more

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