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Obtaining FHA, VA, Or HUD Guaranteed Loans For a Manufactured Home and the Foundation Certification

Published on : 23 March 11
by :
Troy Mccarthy
in : VA Loan
Comments : 1 Comment

Obtaining FHA, VA, Or HUD Guaranteed Loans For a Manufactured Home and the Foundation Certification

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Home Page > Finance > Mortgage > Obtaining FHA, VA, Or HUD Guaranteed Loans For a Manufactured Home and the Foundation Certification

Obtaining FHA, VA, Or HUD Guaranteed Loans For a Manufactured Home and the Foundation Certification

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Posted: Jun 29, 2010 |Comments: 0
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Very few lenders and/or loan officers are aware of the information I am about to share with you concerning obtaining an FHA, VA, or HUD Guaranteed Loan for a Manufactured Home. In fact, I have mortgage brokers, lenders, loan officers, real estate agents, and even the home owners, calling my office for advice on how to expedite these types of loans for their manufactured home. I’m surprised that many of these professionals don’t know one of the most important components to getting their loan approved. I am not a loan officer, or a mortgage broker, or a real estate agent – I am an engineer.

So why would these professionals be asking an engineer about a critical aspect in getting their FHA/HUD, or VA loan approved for their manufactured home loan? Because for every FHA/HUD, VA, and other HUD guaranteed loans for manufactured homes, an Engineer Foundation Certification is required for each and every manufactured home receiving a federally guaranteed loan. Most lenders are surprised at such a requirement and I end up explaining the process to them during the course of our professional relationship. It’s quite amusing some times.

So what is an Engineer’s Foundation Certification? It is a document from a professional licensed engineer where the home resides, that certifies that the manufactured home rests on a permanent foundation. Not just any permanent foundation, but a permanent foundation complying with the HUD Permanent Foundation Guide for Manufactured Homes (PFGMH – HUD 7584).

Most lenders are not aware of this document, and sad to say, most engineers also. Most engineers are not familiar with the HUD guidelines for a permanent foundation on a manufactured home – so when seeking out an engineer, make sure you get one with plenty of experience. Otherwise, the loan that you’re trying to expedite will get tremendously delayed. And we all know that time is money!

The engineer certifying the home needs to be extremely confident and familiar with the HUD PFGMH code/manual as mentioned above. It is the Manufactured Home Foundation Bible, so to speak. This manual is not an easy read, even for many engineers. The manual is vague and requires a sound understanding of how manufactured homes work, and a fine understanding of building analysis in general. Manufactured homes do not follow the same building codes as in-place stick built homes – this is why most engineers are not familiar with the codes (they simply don’t have the time or want to expend the effort in learning yet another code book.)

If you’re a mortgage lender, loan officer, manufactured home builder, real estate agent, or the like, you need to team up with an engineer that has a reputation of providing clear judgment concerning manufactured home foundations. If you don’t, the delay could be very costly. If you do hire the right engineer who has experience in manufactured home foundations that are HUD compliant, and the keyword here is HUD compliant, then the loan process will be very smooth and expeditious.

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Ed Harrison -
About the Author:

Ed Harrison, PE is a licensed professional engineer in a multitude of states across the country and is the owner of Foundation Certifications. He works with mortgage lenders, loan officers, real estate agents, and private parties across the United States with their manufactured home foundations and loans. He is an expert in the field of FHA/HUD/VA compliant manufactured home foundations. His engineering firm provides not only certifications for HUD compliant manufactured home foundations, but they are also a full service civil and structural engineering design firm. To learn more about Ed Harrison and his company, go to http://www.FoundationCertifications.com

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obtaining fha, va, or hud guaranteed loan for a manufactured home and the foundation certification

What are Guaranteed Student Loans

Published on : 20 January 11
by :
Troy Mccarthy
in : Government Sponsored Loan
Comments : 0 Comments

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Home Page > Finance > Personal Finance > What are Guaranteed Student Loans

What are Guaranteed Student Loans

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Posted: Sep 23, 2010 |Comments: 0
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What are Stafford, Perkins, and PLUS loans? What’s a subsidized or unsubsidized loan? These things can be pretty confusing, but one of the most confusing things to understand are guaranteed student loans. What are these loans, anyway, and how can you benefit from them?

A guaranteed loan is basically one in which the lender knows it will get paid back. If, for instance, you were to as your friend Jerry to lend your friend Bob $200, Bob might be reluctant to do that. What if Jerry didn’t pay back the money? If you have a good reputation, though, you could guarantee the loan. Tell Bob that if Jerry defaults on the loan – or doesn’t pay it back in time – that you’ll pick up his slack.

This is basically what the federal government does for a guaranteed loan. They don’t offer the loan from their own funds. Instead, the loans are offered through regular lending institutions. These institutions, though, can be more comfortable loaning money to students and parents of college students because the federal government is guaranteeing the loans.

The government is basically saying to these banks that it will pay back your loans if you default. This makes you a much lower risk to lend money to. Lower risk means that you can get a loan in the first place and that you can get a decent interest rate and good repayment terms, as well.

Guaranteed student loans are those like the Stafford loan, which often comes from a lending institution other than the Federal government. Some loans, though, like the Perkins or PLUS loans come straight through the government.

Knowing which type of loan you have can help you keep the paperwork straight. For a guaranteed loan, you’ll get paperwork from the bank that is lending you the money. For a government loan, you’ll get paperwork from the federal government’s direct student aid program. Chances are likely that during your college career you’ll end up getting both types of loans at one point or another. It’s important to keep your paperwork straight so that you know where to go when you need more information about your student loans from your lender.

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For more information about Money For College please visits, http://tuitionchart.com/.

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I’d like to get a payday loan then pay back when i get my student loan on november 8 th of 2010, is this possible. i’m getting over 3,000 back and can provide a statement from the college
I just got in to school and i need a loan bad i dont get my student loan till next month and i am about to be homeless what can i do
Who is my student loan holder ?

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Article Tags:
Student Loans, Apply For Student Loans, Private Student Loans, Money For College, college student loans, student loans for college

Guaranteed Home Mortgage Refinance Solution

Published on : 04 September 10
by :
Troy Mccarthy
in : VA Loan
Comments : 0 Comments

When interest rates fall, home owners don’t take a moment to rush into refinancing. But one thing they forget to determine is whether mortgage loan refinancing is their cup of tea or not. For some, refinancing their current ortgage may prove to be a good deal of reducing overall borrowing costs, interest rates, monthly mortgage payments, and mortgage loan terms. For some it may be nothing but a deal of loss.

Home refinancing in general and specifically if you’ve opted for FHA or VA mortgage loan, can save you a lot of dollars if done right and can be a costly istake if done wrong. So, how to determine if you should go for your mortgage refinancing or not? Here are three reasons when you should consider FHA or VA loan refinancing as it may be good for you:

If your credit score is bad

If you have bad credit situation and want easy-going monthly payments, refinancing mortgage loans is a good option for you. You can benefit from the 2% less interest rates than your existing loan through refinancing. Professional mortgage refinance consultation is important to tell you what good you can do with your not so perfect credit.

If you want to convert from fixed loan rate to ARM

As soon as the interest rates fall, individuals run to refinance their existing mortgage. Converting from fixed loan rate to Adjustable rate mortgage is a good idea, but it can only be effective if you don’t intend to stay in the home for a very long time. Many greedy lenders will trick you with false statements to refinance; so make sure you learn about refinancing before you actually fall for the sweet good-for-nothing words.

If you want to convert from ARM to fixed loan rate

The conventional fixed loan rate is always a secure deal. If you are a homeowner that got himself into an ARM loan with great rates at first, but now it has reversed and you are paying the price—you should consider refinancing your home mortgage. There are innumerable potential benefits in it for you, and the biggest is you get to save thousands every month.

The best thing about fixed loan is that you know exactly how much you have to pay each month, and your payment rates do not get affected with the rise and fall of market rates. This consistency is good if you’re planning to live in your home for more than 7 years.

Learn how to properly refinance a home mortgage with All Financial Services and secure your money the best possible way. We will guide you with everything you need to know about refinancing and how it can be a good choice for you to make.

Bryan Williams is an expert business consultant, and specializes in web based business. He has spent years working with outsourcing and financial companies and. In financial services he can give his expert opinion about mortgage loans, FHA and VA mortgage refinancing. You can feel free to have Bryan?s expert opinion about mortgage rates too.

The Advantages of Va Guaranteed Loans

Published on : 07 August 10
by :
Troy Mccarthy
in : VA Loan
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There are many advantages and virtues to having your loan guaranteed by the Department of Veterans Affairs. The first and most simple fact involved is that quite frankly, as a veteran you’ve EARNED this benefit. So taking advantage of what you’ve earned should be an easy choice overall. But in order to de-bunk a few of the myths and rumors surrounding the VA loan program, I’ve compiled this list of associated benefits.

> First, there is NO down payment. This is because the VA will guarantee (In most cases) up to 100% of the established reasonable value of the property. The exception to this is that due to secondary market requirements, VA loans generally do not exceed the Freddie Mac conforming loan limit for a single familiy residence (usually circa 360,000, or 540,000 for Alaska, Hawaii, Guam, and the U.S. Virgin Islands).

> The VA also offers you the flexibility to negotiate your interest rate with the lender — meaning that lenders will need to compete on rates and terms to get your business.

> Under the VA there is NO monthly mortgage insurance premium to pay.

> There are set limitations on the total closing costs to you.

> The appraisal is required to inform you of the home’s value.

> You can get a thirty year loan with a choice of repayment plan, to include:

Traditional Fixed Payments – Constant principle and interest; increases or decreases may be expected in property taxes or homeowner’s insurance coverage.

Graduated Payment Mortgage (GPM) – Consists of low initial payments that gradually rise to a level payment beginning in the sixth year.

Growing Equity Mortgages (Available in SOME areas) – Consist of gradually increasing payments with all of the increase applied to principal, resulting in an early payoff.

Hybrid Adjustable Rate Mortgage (HARM) – Effective until September 30, 2008.

Traditional Adjustable Rate Mortgage (ARM) – Effective until September 30, 2008.

> On most VA loans for proposed construction, construction is inspected at certain stages to ensure compliance with approved plans.

> VA mortgages are assumable, subject to lender or VA approval of the assumer’s credit.

>You have a right to prepay the loan without paying a penalty.

>The VA performs personal loan servicing and offers financial counseling to help veterans avoid losing their homes during temporary financial hardship.

…To find out more about VA loan programs and processing, visit http://www.vareficenter.com

Chad C. Childress is a unique and experienced Real Estate and Wealth Creation expert. When he was only 24 years old he founded his own Mortgage Planning Practice, Stone Ground Consulting, LLC. He has founded and owns multiple Real Estate, and wealth creation companies. He is a visionary in the Real Estate industry, with his ultimate purpose being the financial independence of EVERY ONE of his clients. Chad has spoken for and trained at numerous Real Estate Investment groups and hundreds of Real Estate Brokerages. His broad experience in the Real Estate and Financial industries have helped him to become one of the top Real Estate trainers in the Western United States. This is no secret, as Chad has been inducted into the MONTCLAIR WHO’S WHO IN REAL ESTATE for 2007. Chad is the publisher of “Real Estate Agent Magazine,” Founder of “Real Estate Agent University,” Publisher of “Strategic Homeowner Magazine,” and is currently writing his first book entitled: “Money Magnet: Retire Right, Retire Right Now.” He has helped hundreds of people to achieve Financial independence.

Government Loan Modification Programs – The Guaranteed Solution To Stop Those Lenders From Taking Your Home

Published on : 08 July 10
by :
Troy Mccarthy
in : Government Sponsored Loan
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Government loan modification programs are increasing in acceptance on a daily basis. Because many family members are having their hours cut or worse, getting laid off, more individuals are at risk to having their homes foreclosed. A recent reason homeowners have already been forced to look for a government loan modification program is the fact a large number of had opted for adjustable loan rate mortgages. It was inevitable that their interest rate would rise to a new higher level making it difficult if not impossible for some homeowners to continue making their monthly payment.

To stop foreclosure and get help, please visit www.stopforeclosuresnow.info for an absolutely free consultation.

Before the economy took a turn for the worse, home foreclosures were an element of doing normal business; and lenders more or less accepted there would be a minimal number of folks that would default on their loans.

Unfortunately, because of the increase in month-to-month foreclosures the banks and credit lenders profits are being severely affected. The truth is many lenders have been forced to close their doors because of this loss of revenue.

So, what does that necessarily mean for any family that is looking for Government loan modification programs?

The bottom line is, right now loan mods are more readily available for homeowners in danger of losing their homes to foreclosure. Actually, your government under the leadership of President Obama has been ordered to step in and assist families to retain their homes. Many financial incentives have been offered to the lending institutions to help change the terms of you existing mortgage. Although rewriting your loan agreement has become easier and having your overall terms will be adjusted to make your regular expenses lower remember, your lender will take a close look at your family’s finances. They should take into consideration a number of relevant factors to decide precisely what changes would help keep your loan payments current.

I’m sure after all this you’re itching to know, “What’s the catch”?

Working with banks or lenders one must realize there are specific procedures which need to be followed in order to be approved. Generally in most circumstances, the number of forms which have to be prepared is insane. Of course, if any form is missing or done wrong your family’s chances of being qualified for the government loan modification program will decrease.

In most cases, you will only be allowed to apply once. Should you be denied the odds of having your case reviewed again are extremely low. Getting things done right the first time is more important than you could imagine.

To increase your chances of success it’s best to have the technical details completed by someone familiar with information about how this game is played. Unless you are some type of pro completing forms and completing a loan mod can be confusing, it will be best for you to seek out specialist. By working together with an approved organization specializing in helping families avoid the foreclosure process your application may be approved quickly.

For anyone who is finding it difficult to keep your home loan payments up-to-date click the link now. Government loan modification programs may help your loved ones fight to remain in their home.

For those who have already fallen behind, there’s no time to wait.

How to get help and start the process started immediately
If you are finding it difficult to keep your mortgage payments up to date, CLICK HERE to get help now. They are my #1 recommendation and the initial consultation is absolutely free. Source: Government Loan Modification Programs

Government Loan Broker

Tag Archives

Obtaining FHA, VA, Or HUD Guaranteed Loans For a Manufactured Home and the Foundation Certification

What are Guaranteed Student Loans

Guaranteed Home Mortgage Refinance Solution

The Advantages of Va Guaranteed Loans

Government Loan Modification Programs – The Guaranteed Solution To Stop Those Lenders From Taking Your Home

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