Mobilehome Loans For Bad Credit

Bill Maxwell: Habitat home a fresh start for Katrina victim

BAY ST. LOUIS, Miss. — On Aug. 28, 2005, Donna Horstmann heeded the nonstop warnings issued by Hancock County emergency officials: All residents should leave all low-lying Gulf Coast towns in the county immediately. Hurricane Katrina is coming. It is a Category 5 storm, packing winds of 125 mph. When it makes landfall, it will bring a storm surge of 30 feet or more. Horstmann and her brother evacuated to her son’s house on higher ground a few miles away, leaving behind the home she had owned and loved for years just two blocks from the beach in Clermont Harbor. That night, Katrina came ashore, battering the house. Next door, a mobile home exploded, and houses were lifted off their concrete foundations. “They set up a kind of station where we could go and pick food and water. We were in a tent for a while. It was horrible. ... There were about 20 of us in different families staying in tents on the property. We didn’t have sanitation or anything. We bathed in the creek. It was bad, primitive. There was debris everywhere. Thousands of dead seagulls were all over the place. There were no living animals. We didn’t see any living animals for months. It was eerie.” After she found a job at the new Walmart, a co-worker told her she should apply for a house with Habitat for Humanity. That advice changed her life in ways she had not imagined. And it is how I came to meet her last year, volunteering on the project that built her new home. Her story is a poignant reminder of how this nonprofit program, run largely on volunteer labor across the country, continues to make an extraordinary difference in people’s lives. “I’d never heard of Habitat, but I applied,” she said. “One thing led to another. I was approved and here I am. I’ve been in my new home for about four months. From the time I applied, it took 13 to 14 months to get in my house. To qualify, I had to have a job. Salary was the big thing. They did a background check and a credit check.

An overview of bad credit mobile home loans

Many of you with poor credit rating may sometimes find it very difficult to obtain a loan of any kind. You may be interested to own a home but you may not possess the credit rating as required by the lenders so as to get a loan. This will surely inflict a feeling of dejection in you. You may not raise the required money to have a dwelling f your own. In this situation, though it may be difficult to obtain a regular home loan, but you can surely think of opting for bad credit mobile home loans. Many of you with poor credit rating have found that obtaining a mobile home loan is comparatively easy

Bad credit mobile home loans are offered to the people who are willing to purchase or refinance a manufactured home. However, this type of loan is offered by specialized lenders. If you are interested to avail such loan, you are advised to contact such a specialized lender. A bad credit mobile loan lender is also responsible for providing accurate advice to you so as to meet your needs. The rate of interest associated with this loan is generally 5% low than the conventional loans. Again, if you are looking for refinancing, you will surely get rates than original refinancing.

You may be thinking that obtaining such a loan is indeed very difficult. But, that is not right. However, it is recommended that you must spend considerable amount of time and conduct good research before applying for such a loan from a lending institution. In fact, you will find several financial institutions who are interested to offer bad credit mobile home loans. However, it is advised that before applying for such loan, you must spend some money and get your credit reports. Chances are there that your credit report may contain errors. Once these errors are rectified, your credit score gets increased. If you are able to spot errors in your credit report, you have all the rights to report that to the concerned agency. The agency then take steps to get those errors removed from your credit report. You are recommended to send the correct credit along with the loan application to the lender.

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