Earth Works Trust
Serving Families and Business Nationwide
Manufactured and Mobile Home Refinancing
"Manufactured Home Refinancing Lenders Loans, Financing Mobile Home, Refinancing Mobile Home, Park Loans"
Refinance manufactured home - Refinance mobile home in park or with land 1-800-608-6898
Lower your interest rate - Reduce your monthly payment - Shorten the term of your loan - Non-primary residence programs  
Mobile Home Refinance Loans - Competitive low fixed rates - No prepayment penalties - No upfront costs - FREE QUOTE and NO OBLIGATION
Refinance - Manufactured Home Refinancing Loans Lenders - Mobile Home Refinancing - Mobile Home Loans - Mortgages
Credit Card Debt ... How it Affects your FICO Score

If you are thinking of refinancing or financing a manufactured home in a park or on land,
it's a good idea to understand some basic, but little-known, guidelines about credit card
debt.  Most importantly, the three major credit bureaus (TransUnion, Experian, and
Equifax) have methods for considering credit card debt and are similar among the three.

First, it is recommended to owe 30% or less of a credit card's limit
Second, if a borrower has more than three or so credit cards, considered "revolving
credit," in addition to other revolving acccounts, such as department store accounts, then
this is viewed more negatively than fewer accounts and can significantly lower a FICO.
Third, and almost the opposite, is not having enough established credit history with
several good accounts.
Fourth, most lenders look for at least one installment loan, such as an auto loan, and at
least two revolving accounts opened and in good standing for at least two years.  The
credit bureaus also need this payment history to produce a score.
Finally, as an aside, many borrowers think it's best not to use credit and prefer to be on a
cash basis for all the purchases.  Unfortunately, without any established credit, they may
be surprised that the bureaus cannot even generate a credit score at all without some
kind of established history.  Manufactured home loan financing and refinancing is our
specialty, and we're pleased to offer our valued customers all the information they need
in order to best prepare themselves to qualify for a loan.

Call us to see why we always "Go the Extra Mile" to ensure you receive the best rate and
term for your loan with friendly, professional service.  We know you have choices when
choosing a lending professional ... you've made the right choice with us.

Thank you for choosing Earth Works Trust!
Refinancing or Financing
Mobile Home Financing - Manufactured Home Loans -
Mobile & Manufactured Home Refinancing
MH Park - Business Loans
Mobile Home Loans
Manufactured & Mobile Home Lender with land or in mobile home park, refinancing loans lender. Nationwide 1-800-608-6898.Manufactured
Mobile Home Loan, Financing, Refinancing Mobile Home Loans Lenders, in Park, with land refinance manufactured, mobile home.
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Alabama AL Montgomery Birmingham,  Alaska AK Juneau Anchorage, Arizona AZ Phoenix, Arkansas AR Little Rock, California CA
Sacramento Los Angeles, Colorado CO Denver, Connecticut CT Hartford Bridgeport. Delaware DE Dover Wilmington, Florida FL Tallahassee
Jacksonville, Georgia GA Atlanta, Hawaii HI  Honolulu, Idaho ID Boise, Illinois IL Springfield Chicago, Indiana IN Indianapolis, Iowa IA Des
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Montpelier Burlington, Virginia VA Richmond Virginia Beach, Washington WA Olympia Seattle, West Virginia WV Charleston, Wisconsin WI
Madison Milwaukee, Wyoming WY Cheyenne   This communication does not constitute a commitment to lend. All loan programs are subject to underwriting
approval, which includes, but is not limited to, credit history,review and acceptance of a complete property appraisal or inspection, clear property title, and review
and acceptance of employment and/or income documentation, debt analysis, final loan approval and other factors.
Submission of  loan  request form authorizes us to contact you directly with manufactured home financing opportunities that match  needs.
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Privacy policy: We respect your privacy! Your information will always be kept confidential and will never be distributed or sold!  
Mobile home, modular home loans and refinancing, one of the nations leaders in
Manufactured and Mobile Home Financing, Loans, and
Refinancing for Homes in Parks and Communities.
Across The Nation -- Down The Street -- 1-800-608-6898
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