Manufactured Home Only (Chattel) Pre-Qualification • Midwest Specialty Mortgage

What type of Manufactured Home Loan are you seeking?

Home Only (Chattel)
Real Property (Home and Land)

Your Looking for a Manufactured Home and Land Loan or Real Property

This program is exclusively for Chattel borrowers (manufactured homes leasing land - usually in a manufacture home park)

If you would like to set up a consultation on your situation please schedule a meeting by Clicking Here --->

Or complete the following Request for Quote form by Clicking Here ---->

What is your Estimated Credit Score

Your Credit Score is Below 580

Based on your credit profile, you may not meet the minimum requirements at this time. Most chattel loan programs require a minimum credit score of 580 or higher. Consider improving your credit and reapplying.

If you would like to set up a consultation on your situation please schedule a meeting by Clicking Here --->

What is your estimated purchase price ?

Your Purchase amount is Below $20,000

Due to lending guidelines, homes must have a minimum purchase price of $20,000 to qualify.

If you would like to set up a consultation on your situation please schedule a meeting by Clicking Here --->

Down Payment

$10,000
$7,000 - $9,999
$3,000 - $6,999
Below $3,000

Your Down Payment is Below $3,000

Buyers must provide a minimum down payment of 5% of the purchase price, plus additional funds for closing costs and applicable fees. As a general guideline, you should plan for approximately 7% total cash to close (5% down + ~2% closing costs).

With only $3,000 available, it may be difficult to meet the minimum requirements for most home prices in this program.

If you would like to set up a consultation on your situation, there may be programs and options to help you out, please schedule a meeting by Clicking Here --->

What is your estimated monthly income?

$6,000+
$4,000 - $5,999
$3,000 - $3,999
Below $3,000

If you monthly income is below $3,000

Your current income may not meet program guidelines. Lenders require sufficient income to support the monthly payment. You may reapply once your income increases or with a co-applicant.

If you would like to set up a consultation on your situation, please schedule a meeting by Clicking Here --->

What is your employment status?

purchase? status?

You noted unemployed

Active, verifiable income is required to qualify for financing. You may reapply once you have stable employment or consistent income.

If you would like to set up a consultation on your situation, please schedule a meeting by Clicking Here --->

When are you planning to purchase?

Within 30 days
1 - 3 months
3 - 6 months
Just researching

Just Researching

This program is designed for buyers ready to move forward soon. Please return when your within 3 to 6 months of purchase.

In the meantime please explore our Manufacture Home page, Blog, and our other Loan Programs. If you would like to set up a consultation on your situation, please schedule a meeting by Clicking Here --->

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