Programs And Capabilities

Programs

Fannie Mae/Freddie Mac Conforming mortgage products for all residential properties.

Non-conforming mortgage products for all residential properties.

FHA/VA mortgage products for all residential properties.

ARM products for all residential properties.

HUD-184 Native American Program loans (call 888-796-5263 for details).

MH Residential Program for Manufactured Homes meeting specific quality, amenities, architectural and installation guidelines that qualify for site-built rates and underwriting.

MH Invoice-Based Advance Program that enables a mortgage loan to be structured based on a land-only appraisal and home valuation using the NADA Handbook.

A "Retro-Fit" Program that allows homeowners to convert non-compliant foundation systems to a conforming foundation such that numerous refinance options can be used.

Various Alt-A "Niche" programs including cash-out and debt consolidation refinances, "Buy-For" for relatives and second homes (call 888-796-5263 for details).

Modular Program that allows use of all mortgage products available for residential properties.

Modular Home real property mortgage refinancing programs and home equity lines of credit.

Single-Close and Two-Close Construction-to-Permanent Loans.

Highly competitive interest rates and low fee structure.

Jumbo and SIVA loans for Manufactured Housing.

Non-conforming mortgage products for post-1970 built manufactured homes.

Limited chattel loans for Manufactured Housing (call 888-796-5263 for details).

Capabilities

Established as a mortgage lender in 1988, many years of modular-manufactured housing industry knowledge and experience as Land/Home Financial's core competency.

Expertise in uniqueness of modular-manufactured housing products including specifications, set-up, installation, valuation, Federal (FHA and VA), State and county documentation and regulatory requirements, and cash-flow needs of manufacturer, builder and/or retailer.

FNMA/FHLMC Seller-Servicer. FHA/VA Direct Endorsement Lender.

Our expertise in this area sets us apart from all competitors!

Knowledgeable in Modular and Manufactured Home make and model differentiation factors, assisting our builder/retailer partners in educating potential buyers on value versus price considerations.

Construction management expertise that is a hallmark of our success.

One-on-one communication with your own origination team that is assigned specifically to you.

Operate with the philosophy that Land/Home Financial will handle ALL of the financing and document gathering needs for every transaction in order to free up the builder/retailer to sell more homes.

"Attention to Detail" processing philosophy that ensures transactions flow smoothly with rapid turn-around time.

In-house Loan Officers and Underwriters who are the ultimate decision makers.

Outstanding customer service with the specific focus of providing the homebuyer with the best possible financing options and highly responsive communications while keeping the manufacturer/builder/retailer fully informed at every point of the project. This dual-customer focus leads to keeping borrowers committed to the purchase, to satisfied home-buyers and home-sellers, and ultimately to increased referral and repeat business.

Cultivate manufacturer/builder/retailer relationships, focusing on imparting knowledge and education on all emerging industry, mortgage and regulatory issues.

State-of-the-art Web-based technology with on-line application, automatic e-mail communication and deal status capabilities. Branded Web-sites arrangements are available.


	Programs And Capabilities Programs Fannie Mae/Freddie Mac Conforming mortgage products for all residential properties. Non-conforming mortgage products for all residential properties. FHA/VA mortgage products for all residential properties. ARM products for all residential properties. HUD-184 Native American Program loans (call 888-796-5263 for details). MH Residential Program for Manufactured Homes meeting specific quality, amenities, architectural and installation guidelines that qualify for site-built rates and underwriting. MH Invoice-Based Advance Program that enables a mortgage loan to be structured based on a land-only appraisal and home valuation using the NADA Handbook. A "Retro-Fit" Program that allows homeowners to convert non-compliant foundation systems to a conforming foundation such that numerous refinance options can be used. Various Alt-A "Niche" programs including cash-out and debt consolidation refinances, "Buy-For" for relatives and second homes (call 888-796-5263 for details). Modular Program that allows use of all mortgage products available for residential properties. Modular Home real property mortgage refinancing programs and home equity lines of credit. Single-Close and Two-Close Construction-to-Permanent Loans. Highly competitive interest rates and low fee structure. Jumbo and SIVA loans for Manufactured Housing. Non-conforming mortgage products for post-1970 built manufactured homes. Limited chattel loans for Manufactured Housing (call 888-796-5263 for details). Capabilities Established as a mortgage lender in 1988, many years of modular-manufactured housing industry knowledge and experience as Land/Home Financial's core competency. Expertise in uniqueness of modular-manufactured housing products including specifications, set-up, installation, valuation, Federal (FHA and VA), State and county documentation and regulatory requirements, and cash-flow needs of manufacturer, builder and/or retailer. FNMA/FHLMC Seller-Servicer. FHA/VA Direct Endorsement Lender. Our expertise in this area sets us apart from all competitors! Knowledgeable in Modular and Manufactured Home make and model differentiation factors, assisting our builder/retailer partners in educating potential buyers on value versus price considerations. Construction management expertise that is a hallmark of our success. One-on-one communication with your own origination team that is assigned specifically to you. Operate with the philosophy that Land/Home Financial will handle ALL of the financing and document gathering needs for every transaction in order to free up the builder/retailer to sell more homes. "Attention to Detail" processing philosophy that ensures transactions flow smoothly with rapid turn-around time. In-house Loan Officers and Underwriters who are the ultimate decision makers. Outstanding customer service with the specific focus of providing the homebuyer with the best possible financing options and highly responsive communications while keeping the manufacturer/builder/retailer fully informed at every point of the project. This dual-customer focus leads to keeping borrowers committed to the purchase, to satisfied home-buyers and home-sellers, and ultimately to increased referral and repeat business. Cultivate manufacturer/builder/retailer relationships, focusing on imparting knowledge and education on all emerging industry, mortgage and regulatory issues. State-of-the-art Web-based technology with on-line application, automatic e-mail communication and deal status capabilities. Branded Web-sites arrangements are available.