Mobile Home Loan Rates - Manufactured Home Interest Rates

New Winter Manufactured & Mobile Home Loan Rates & Terms

*NO APPLICATION FEES*
*NO PRE-PAYMENT PENALTIES*
*FIXED RATE FINANCING ONLY*
*APPROVALS IN AS LITTLE AS 15 MINUTES*
*PURCHASE WITH AS LITTLE AS 5% DOWN*
*ZERO FEE PROGRAMS AVAILABLE UPON REQUEST*

Fixed Rate One Step Mortgage Rates - Last Updated 1/31/2012
(All Programs Not Available in all States)

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 80% LTV - FICO Score 740+		Purchase Financing 20% DP - FICO Score 740+
Lower Rate & Term		New & Used
7 Year Term		7 Year Term
4.50% >>> First 5 Years 6.25% >>> Last 2 Years 4.874% APR*		4.50%>>> First 5 Years 6.25% >>> Last 2 Years 4.874% APR*
10 Year Term		10 Year Term
4.75%>>> First 5 Years 6.50% >>> Last 5 Years 5.326% APR*		4.75%>>> First 5 Years 6.50% >>> Last 5 Years 5.326% APR*
15 Year Term		15 Year Term
4.75%>>> First 5 Years 7.25% >> Last 10 Years 5.876% APR*		4.75%>>> First 5 Years 7.25% >> Last 10 Years 5.876% APR*
20 - Year Term		20 - Year Term
4.75%>>> First 5 Years 7.50% >> Last 15 Years 6.224% APR*		4.75%>>> First 5 Years 7.50% >> Last 15 Years 6.224% APR*
25 - Year Term		25 - Year Term
4.75%>>> First 5 Years 7.50% >> Last 20 Years 5.118% APR*		4.75%>>> First 5 Years 7.50% >> Last 20 Years 5.118% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 90% LTV - FICO Score 740+		Purchase Financing 10% DP - FICO Score 740+
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
4.75%>>> First 5 Years 6.50% >>> Last 2 Years 5.124% APR*		4.75%>>> First 5 Years 6.50% >>> Last 2 Years 5.124% APR*
10 - Year Term		10 - Year Term
4.99%>>> First 5 Years 6.75% >>> Last 5 Years 5.567% APR*		4.99%>>> First 5 Years 6.75% >>> Last 5 Years 5.567% APR*
15 - Year Term		15 - Year Term
4.99%>>> First 5 Years 7.50% >> Last 10 Years 6.116% APR*		4.99%>>> First 5 Years 7.50% >> Last 10 Years 6.116% APR*
20 - Year Term		20 - Year Term
4.99%>>> First 5 Years 7.75% >> Last 15 Years 6.463% APR*		4.99%>>> First 5 Years 7.75% >> Last 15 Years 6.463% APR*
25 - Year Term		25 - Year Term
4.99%>>> First 5 Years 7.75% >> Last 20 Years 5.383% APR*		4.99%>>> First 5 Years 7.75% >> Last 20 Years 5.383% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 95% LTV - FICO 740+		Purchase Financing 5% DP - FICO 740+
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
4.99%>>> First 5 Years 6.75% >>> Last 2 Years 5.365% APR*		4.99%>>> First 5 Years 6.75% >>> Last 2 Years 5.365% APR*
10 - Year Term		10 - Year Term
5.25%>>> First 5 Years 6.99% >>> Last 5 Years 5.821% APR*		5.25%>>> First 5 Years 6.99% >>> Last 5 Years 5.821% APR*
15 - Year Term		15 - Year Term
5.25%>>> First 5 Years 7.75% >> Last 10 Years 6.367% APR*		5.25%>>> First 5 Years 7.75% >> Last 10 Years 6.367% APR*
20 - Year Term		20 - Year Term
5.25% >>> First 5 Years 7.99% >> Last 15 Years 6.706% APR*		5.25% >>> First 5 Years 7.99% >> Last 15 Years 6.706% APR*
25 - Year Term		25 - Year Term
5.25%>>> First 5 Years 7.99% >> Last 20 Years 5.652% APR*		5.25% >>> First 5 Years 7.99% >> Last 20 Years 5.652% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 80% LTV - FICO Score 720 to 739		Purchase Financing 20% DP - FICO Score 720 to 739
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
4.75% >>> First 5 Years 6.75% >>> Last 2 Years 5.144% APR*		4.75% >>> First 5 Years 6.75% >>> Last 2 Years 5.144% APR*
10 - Year Term		10 - Year Term
4.99% >>> First 5 Years 6.99% >>> Last 5 Years 5.622% APR*		4.99% >>> First 5 Years 6.99% >>> Last 5 Years 5.622% APR*
15 - Year Term		15 - Year Term
4.99% >>> First 5 Years 7.50% >> Last 10 Years 6.116% APR*		4.99% >>> First 5 Years 7.50% >> Last 10 Years 6.116% APR*
20 - Year Term		20 - Year Term
4.99% >>> First 5 Years 7.75% >> Last 15 Years 6.463% APR*		4.99% >>> First 5 Years 7.75% >> Last 15 Years 6.463% APR*
25 - Year Term		25 - Year Term
4.99% >>> First 5 Years 7.75% >> Last 20 Years 5.383% APR*		4.99% >>> First 5 Years 7.75% >> Last 20 Years 5.383% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 90% LTV - FICO Score 720 to 739		Purchase Financing 10% DP - FICO Score 720 to 739
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
4.99% >>> First 5 Years 7.25% >>> Last 2 Years 5.404% APR*		4.99% >>> First 5 Years 7.25% >>> Last 2 Years 5.404% APR*
10 - Year Term		10 - Year Term
5.25% >>> First 5 Years 7.50% >>> Last 5 Years 5.937% APR*		5.25% >>> First 5 Years 7.50% >>> Last 5 Years 5.937% APR*
15 - Year Term		15 - Year Term
5.25% >>> First 5 Years 7.75% >> Last 10 Years 6.367% APR*		5.25% >>> First 5 Years 7.75% >> Last 10 Years 6.367% APR*
20 - Year Term		20 - Year Term
5.25% >>> First 5 Years 7.99% >> Last 15 Years 6.706% APR*		5.25% >>> First 5 Years 7.99% >> Last 15 Years 6.706% APR*
25 - Year Term		25 - Year Term
5.25% >>> First 5 Years 7.99% >> Last 20 Years 5.652% APR*		5.25% >>> First 5 Years 7.99% >> Last 20 Years 5.652% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 95% LTV - FICO Score 720 to 739		Purchase Financing 5% DP - FICO Score 720 to 739
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
5.25% >>> First 5 Years 7.50% >>> Last 2 Years 5.663% APR*		5.25% >>>First 5 Years 7.50% >>> Last 2 Years 5.663% APR*
10 - Year Term		10 - Year Term
5.50% >>> First 5 Years 7.75% >>> Last 5 Years 6.186% APR*		5.50% >>> First 5 Years 7.75% >>> Last 5 Years 6.186% APR*
15 - Year Term		15 - Year Term
5.50% >>> First 5 Years 7.99% >> Last 10 Years 6.609% APR*		5.50% >>> First 5 Years 7.99% >> Last 10 Years 6.609% APR*
20 - Year Term		20 - Year Term
5.50% >>> First 5 Years 8.25% >> Last 15 Years 6.954% APR*		5.50% >>> First 5 Years 8.25% >> Last 15 Years 6.954% APR*
25 - Year Term		25 - Year Term
5.50% >>> First 5 Years 8.25% >> Last 20 Years 5.927% APR*		5.50% >>> First 5 Years 8.25% >> Last 20 Years 5.927% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 80% LTV - FICO Score 700 to 719		Purchase Financing 20% DP - FICO Score 700 to 719
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
4.75% >>> First 5 Years 6.99% >>> Last 2 Years 5.162% APR*		4.75% >>> First 5 Years 6.99% >>> Last 2 Years 5.162% APR*
10 - Year Term		10 - Year Term
4.99% >>> First 5 Years 7.25% >>> Last 5 Years 5.681% APR*		4.99% >>> First 5 Years 7.25% >>> Last 5 Years 5.681% APR*
15 - Year Term		15 - Year Term
4.99% >>> First 5 Years 7.50% >> Last 10 Years 6.116% APR*		4.99% >>> First 5 Years 7.50% >> Last 10 Years 6.116% APR*
20 - Year Term		20 - Year Term
4.99% >>> First 5 Years 7.75% >> Last 15 Years 6.463% APR*		4.99% >>> First 5 Years 7.75% >> Last 15 Years 6.463% APR*
25 - Year Term		25 - Year Term
4.99% >>> First 5 Years 7.75% >> Last 20 Years 5.383% APR*		4.99% >>> First 5 Years 7.75% >> Last 20 Years 5.383% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 90% LTV - FICO Score 700 to 719		Purchase Financing 10% DP - FICO Score 700 to 719
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
4.99% >>> First 5 Years 7.25% >>> Last 2 Years 5.404% APR*		4.99% >>> First 5 Years 7.25% >>> Last 2 Years 5.404% APR*
10 - Year Term		10 - Year Term
5.25% >>> First 5 Years 7.50% >>> Last 5 Years 5.937% APR*		5.25% >>> First 5 Years 7.50% >>> Last 5 Years 5.937% APR*
15 - Year Term		15 - Year Term
5.25% >>> First 5 Years 7.75% >> Last 10 Years 6.367% APR*		5.25% >>> First 5 Years 7.75% >> Last 10 Years 6.367% APR*
20 - Year Term		20 - Year Term
5.25% >>> First 5 Years 7.99% >> Last 15 Years 6.706% APR*		5.25% >>> First 5 Years 7.99% >> Last 15 Years 6.706% APR*
25 - Year Term		25 - Year Term
5.25% >>> First 5 Years 7.99% >> Last 20 Years 5.652% APR*		5.25% >>> First 5 Years 7.99% >> Last 20 Years 5.652% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 95% LTV - FICO Score 700 to 719		Purchase Financing 5% DP - FICO Score 700 to 719
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
5.50% >>> First 5 Years 7.75% >>> Last 2 Years 5.913% APR*		5.50% >>> First 5 Years 7.75% >>> Last 2 Years 5.913% APR*
10 - Year Term		10 - Year Term
5.75% >>> First 5 Years 7.99% >>> Last 5 Years 6.432% APR*		5.75% >>> First 5 Years 7.99% >>> Last 5 Years 6.432% APR*
15 - Year Term		15 - Year Term
5.75% >>> First 5 Years 8.25% >> Last 10 Years 6.859% APR*		5.75% >>> First 5 Years 8.25% >> Last 10 Years 6.859% APR*
20 - Year Term		20 - Year Term
5.75% >>> First 5 Years 8.50% >> Last 15 Years 7.197% APR*		5.75% >>> First 5 Years 8.50% >> Last 15 Years 7.197% APR*
25 - Year Term		25 - Year Term
5.75% >>> First 5 Years 8.50% >> Last 25 Years 6.195% APR*		5.75% >>> First 5 Years 8.50% >> Last 25 Years 6.195% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 80% LTV - FICO Score 680 to 699		Purchase Financing 20% DP - FICO Score 680 to 699
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
5.25% >>> First 5 Years 7.50% >>> Last 2 Years 5.663% APR*		5.25% >>> First 5 Years 7.50% >>> Last 2 Years 5.663% APR*
10 - Year Term		10 - Year Term
5.50% >>> First 5 Years 7.75% >>> Last 5 Years 6.186% APR*		5.50% >>> First 5 Years 7.75% >>> Last 5 Years 6.186% APR*
15 - Year Term		15 - Year Term
5.50% >>> First 5 Years 7.99% >> Last 10 Years 6.609% APR*		5.50% >>> First 5 Years 7.99% >> Last 10 Years 6.609% APR*
20 - Year Term		20 - Year Term
5.50% >>> First 5 Years 8.25% >> Last 15 Years 6.829% APR*		5.50% >>> First 5 Years 8.25% >> Last 15 Years 6.829% APR*
25 - Year Term		25 - Year Term
5.50% >>> First 5 Years 8.25% >> Last 20 Years 5.927% APR*		5.50% >>> First 5 Years 8.25% >> Last 20 Years 5.927% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 90% LTV - FICO Score 680 to 699		Purchase Financing 10% DP - FICO Score 680 to 699
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
5.75% >>> First 5 Years 7.99% >>> Last 2 Years 6.162% APR*		5.75% >>> First 5 Years 7.99% >>> Last 2 Years 6.162% APR*
10 - Year Term		10 - Year Term
5.99% >>> First 5 Years 8.25% >>> Last 5 Years 6.675% APR*		5.99% >>> First 5 Years 8.25% >>> Last 5 Years 6.675% APR*
15 - Year Term		15 - Year Term
5.99% >>> First 5 Years 8.50% >> Last 10 Years 7.098% APR*		5.99% >>> First 5 Years 8.50% >> Last 10 Years 7.098% APR*
20 - Year Term		20 - Year Term
5.99% >>> First 5 Years 8.75% >> Last 15 Years 7.435% APR*		5.99% >>> First 5 Years 8.75% >> Last 15 Years 7.435% APR*
25 - Year Term		25 - Year Term
5.99% >>> First 5 Years 8.75% >> Last 20 Years 6.459+% APR*		5.99% >>> First 5 Years 8.75% >> Last 20 Years 6.459+% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 95% LTV - FICO Score 680 to 699		Purchase Financing 5% DP - FICO Score 680 to 699
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
6.50% >>> First 5 Years 8.75% >>> Last 2 Years 6.913% APR*		6.50% >>> First 5 Years 8.75% >>> Last 2 Years 6.913% APR*
10 - Year Term		10 - Year Term
6.75% >>> First 5 Years 8.99% >>> Last 5 Years 7.425% APR*		6.75% >>> First 5 Years 8.99% >>> Last 5 Years 7.425% APR*
15 - Year Term		15 - Year Term
6.75% >>> First 5 Years 9.25% >> Last 10 Years 7.841% APR*		6.75% >>> First 5 Years 9.25% >> Last 10 Years 7.841% APR*
20 - Year Term		20 - Year Term
6.75% >>> First 5 Years 9.50% >> Last 15 Years 8.170% APR*		6.75% >>> First 5 Years 9.50% >> Last 15 Years 8.170% APR*
25 - Year Term		25 - Year Term
6.75% >>> First 5 Years 9.50% >> Last 20 Years 7.265% APR*		6.75% >>> First 5 Years 9.50% >> Last 20 Years 7.265% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 20% LTV - FICO Score 660 to 679		Purchase Financing 5% DP - FICO Score 660 to 679
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
5.50% >>> First 5 Years 7.75% >>> Last 2 Years 5.913% APR*		5.50% >>> First 5 Years 7.75% >>> Last 2 Years 5.913% APR*
10 - Year Term		10 - Year Term
5.75% >>> First 5 Years 7.99% >>> Last 5 Years 6.432% APR*		5.75% >>> First 5 Years 7.99% >>> Last 5 Years 6.432% APR*
15 - Year Term		15 - Year Term
5.75% >>> First 5 Years 8.25% >> Last 10 Years 6.859% APR*		5.75% >>> First 5 Years 8.25% >> Last 10 Years 6.859% APR*
20 - Year Term		20 - Year Term
5.75% >>> First 5 Years 8.50% >> Last 15 Years 7.197% APR*		5.75% >>> First 5 Years 8.50% >> Last 15 Years 7.197% APR*
25 - Year Term		25 - Year Term
5.75% >>> First 5 Years 8.50% >> Last 20 Years 6.195% APR*		5.75% >>> First 5 Years 8.50% >> Last 20 Years 6.195% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 90% LTV - FICO Score 660 to 679		Purchase Financing 10% DP - FICO Score 660 to 679
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
6.50% >>> First 5 Years 8.75% >>> Last 2 Years 6.913% APR*		6.50% >>> First 5 Years 8.75% >>> Last 2 Years 6.913% APR*
10 - Year Term		10 - Year Term
6.75% >>> First 5 Years 8.99% >>> Last 5 Years 7.425% APR*		6.75% >>> First 5 Years 8.99% >>> Last 5 Years 7.425% APR*
15 - Year Term		15 - Year Term
6.75% >>> First 5 Years 9.25% >> Last 10 Years 7.841% APR*		6.75% >>> First 5 Years 9.25% >> Last 10 Years 7.841% APR*
20 - Year Term		20 - Year Term
6.75% >>> First 5 Years 9.50% >> Last 15 Years 8.170% APR*		6.75% >>> First 5 Years 9.50% >> Last 15 Years 8.170% APR*
25 - Year Term		25 - Year Term
6.75% >>> First 5 Years 9.50% >> Last 20 Years 7.265% APR*		6.75% >>> First 5 Years 9.50% >> Last 20 Years 7.265% APR*

LTV = Loan to Value DP = Down Payment APR = Annual Percentage Rate

Rate & Term Refinancing 95% LTV - FICO Score 660 to 679		Purchase Financing 5% DP - FICO Score 660 to 679
Lower Rate & Term		New & Used
7 - Year Term		7 - Year Term
7.25% >>> First 5 Years 9.25% >>> Last 2 Years 7.645% APR*		7.25% >>> First 5 Years 9.25% >>> Last 2 Years 7.645% APR*
10 - Year Term		10 - Year Term
7.50% >>> First 5 Years 9.50% >>> Last 5 Years 8.119% APR*		7.50% >>> First 5 Years 9.50% >>> Last 5 Years 8.119% APR*
15 - Year Term		15 - Year Term
7.50% >>> First 5 Years 9.75% >> Last 10 Years 8.485% APR*		7.50% >>> First 5 Years 9.75% >> Last 10 Years 8.485% APR*
20 - Year Term		20 - Year Term
7.50% >>> First 5 Years 10.50% >>> Last 15 Years 9.012% APR*		7.50% >>> First 5 Years 10.50% >>> Last 15 Years 9.012% APR*
25 - Year Term		25 - Year Term
7.50% >>> First 5 Years 10.50% >>> Last 20 Years 8.199% APR*		7.50% >>> First 5 Years 10.50% >>> Last 20 Years 8.199% APR*

Lessor Scores on a Case by Case Basis

*The rates above reflect a base loan amount of $250,000.00 with prepaid finance charges in the amount of $2,000.00. The rates are Fixed Rates and reflects a multi-section home 1977 or newer.

Meeting the above credit score(s) does not guarantee approval. All approvals are based on your credit history, the home, location, appraisal and income history. Rates are subject to change without notice.

For more clarification on rates & programs, please contact customer service.