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Home > California Counties > Santa Cruz
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The cities in Santa Cruz have several Mobile Home Parks. Because they are located in California, we can offer some of the very best mobile home financing and refinancing. |
(800) 882-1999 - Loan Application |
California County Mobile Homes > Santa Cruz County
Santa Cruz County
Santa Cruz (26)
Santa Cruz County WebsiteWikipedia Page |
Santa Cruz Mobile Home Loans
When seeking financing for a manufactured home in Santa Cruz, it is very beneficial to find a professional that specializes in mobile home mortgages. Otherwise, you may be declined in the eleventh hour because the underwriter realizes that they do not have the ability to finance a manufactured home loan.
By applying for manufactured home financing in Santa Cruz, you will need to address some very important questions regarding your personal finances. California Manufactured Home Finance will need to know about your income, your down payment, your work history, your credit score, and credit history.
The age of the manufactured home is also instrumental in getting a Santa Cruz mobile home mortgage. Any manufactured home built before 1976 is a bit more difficult to finance for a few reasons. Homes built before 1976 are called "Pre-HUD", which means that there were no federally controlled standards when building the manufactured home, and this increases the loan risk. Homes built prior to 1976 will require higher down payments and better credit scores, because the loan is a riskier loan.
Another important factor in acquiring a Santa Cruz manufactured mortgage is your credit rating. If your credit score is above 700, then it will be easier for you to acquire approval for a loan. If you have a troubled credit rating, then you will generally have to come up with a greater down payment on your mobile home purchase, regardless of the year that the mobile home was built. It is also important to have good ratios. Ideally the higher your income and lower your debt, your ratios will be considered favorable and give the lender a sense of your reliability to meet your monthly obligations.
The final factor in acquiring manufactured home financing in Santa Cruz will be the down payment for the mobile home you wish to buy. It is important to the lender that you have the ability to save money because this displays a history of responsibility. The down payment is also a way to lower the monthly payment of the loan. We will go over all of this with you, so don't feel as though you must become a manufactured home loan expert on your own. That is what we do! Call California Manufactured Home Finance to get started and know you are in good hands.
Santa Cruz County Information
ZIP |
CITY AND STATE |
COUNTY |
AREA |
95065 |
Santa Cruz, CA |
Santa Cruz |
831 |
95005 |
Ben Lomond, CA |
Santa Cruz |
831 |
95017 |
Davenport, CA |
Santa Cruz |
831 |
95062 |
Santa Cruz, CA |
Santa Cruz |
831 |
95010 |
Capitola, CA |
Santa Cruz |
831 |
95066 |
Scotts Valley, CA |
Santa Cruz |
831 |
95018 |
Felton, CA |
Santa Cruz |
831 |
95033 |
Los Gatos, CA |
Santa Cruz |
408 |
95006 |
Boulder Creek, CA |
Santa Cruz |
831 |
95063 |
Santa Cruz, CA |
Santa Cruz |
831 |
95019 |
Freedom, CA |
Santa Cruz |
831 |
95041 |
Mount Hermon, CA |
Santa Cruz |
831 |
95064 |
Santa Cruz, CA |
Santa Cruz |
831 |
95067 |
Scotts Valley, CA |
Santa Cruz |
831 |
95060 |
Santa Cruz, CA |
Santa Cruz |
831 |
95007 |
Brookdale, CA |
Santa Cruz |
831 |
95003 |
Aptos, CA |
Santa Cruz |
831 |
95001 |
Aptos, CA |
Santa Cruz |
831 |
95073 |
Soquel, CA |
Santa Cruz |
831 |
95061 |
Santa Cruz, CA |
Santa Cruz |
831 |
95077 |
Watsonville, CA |
Santa Cruz |
831 |
95076 |
Watsonville, CA |
Santa Cruz |
831 |
Questions about our company or Santa Cruz County mobile home loans:
(800) 882-1999
Copyright 2010, California Manufactured Home Finance (CAMHF) - San Diego, California - (800) 882-1999 |