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Mobile Home Loans

Automated Underwriting System

"Fair" Credit Evaluator

Since you have rated your credit as "Fair" we need to ask you a few questions about why you said Fair. Sometimes you can still get a Mobile Home Loan with Fair Credit, many other times you cannot.

Many people think that even a minor credit infraction years ago makes their credit Fair. On the other hand some people do have factors on their credit reports that would prevent them from obtaining a loan on a manufactured home.

You should ask yourself this question:
"What is on my credit report that a Bank or Lender would NOT like?"

Choose the best (worst) answer from the list below, but keep in mind that this process is not 100% accurate. It may ultimately bring you to an application and you may later be rejected once your information is reviewed by a person.

I have very limited credit (Less than 3 open and reporting accounts for less than 2 years)

I have a Bankruptcy that DISCHARGED more than 3 years ago

I have a Bankruptcy that has not yet DISCHARGED

I have some accounts that are currently involved with Consumer Credit Counseling (CCC)

I did engage in Consumer Credit Counseling within the last 3 years

I did have some accounts in Consumer Credit Counseling more than 3 years ago

I have minor Medical Collections (Less than $1000)

I have Medical Collections of more than $1000

I have had accounts that were more than 30 days late in the last 3 years

I have had accounts that were more than 60 days late in the last 3 years

I have had accounts that were more than 90 days late in the last 5 years

I have had accounts that were more than 120 days late in the last 10 years