Land/Home Financial "Niche" and Alt-A Programs

MH "Retro-Fit" Program

Allows homeowners to convert non-compliant foundation systems to a conforming foundation such that numerous refinance options can be used.

Land/Home Financial has partnered with reputable and HUD-compliant foundation retro-fit companies.

Homeowners can easily and with very moderate cost, convert their non-compliant HUD-Code home foundation system to one that would make them eligible for a FHA loan.

A "cash-out" refinance strategy can be easily used to limit borrower "out-of-pocket" expenses.

Alt-A "Niche" programs

Various programs including cash-out and debt-consolidation refinance options, second home and jumbo mortgages. Specific parameters are dependent upon type of loan (Conforming, MH Residential, Invoice-Based Advance, FHA, etc.).

"Buy-For" program for relatives.

Limited stated-income mortgages.

HUD-184 Native American Program

A FHA-guaranteed loan for Native Americans.

Homes can be located on individual-owned property or tribal lands, depending on the State.

Specific requirements exist, but terms and guidelines are quite borrower-friendly.

Home Only Loans

Limited chattel loans for Manufactured Housing are available for credit-worthy borrowers.

Specific details of loan availability depend upon single or multi-section, LTV, appraised value and borrower parameters.


	Land/Home Financial "Niche" and Alt-A Programs MH "Retro-Fit" Program Allows homeowners to convert non-compliant foundation systems to a conforming foundation such that numerous refinance options can be used. Land/Home Financial has partnered with reputable and HUD-compliant foundation retro-fit companies. Homeowners can easily and with very moderate cost, convert their non-compliant HUD-Code home foundation system to one that would make them eligible for a FHA loan. A "cash-out" refinance strategy can be easily used to limit borrower "out-of-pocket" expenses. Alt-A "Niche" programs Various programs including cash-out and debt-consolidation refinance options, second home and jumbo mortgages. Specific parameters are dependent upon type of loan (Conforming, MH Residential, Invoice-Based Advance, FHA, etc.). "Buy-For" program for relatives. Limited stated-income mortgages. HUD-184 Native American Program A FHA-guaranteed loan for Native Americans. Homes can be located on individual-owned property or tribal lands, depending on the State. Specific requirements exist, but terms and guidelines are quite borrower-friendly. Home Only Loans Limited chattel loans for Manufactured Housing are available for credit-worthy borrowers. Specific details of loan availability depend upon single or multi-section, LTV, appraised value and borrower parameters.