Mortgage - Home Loans - Mortgage Refinance - Mortgage Refinancing
Request home loan, mortgage refinance, home loan equity or other loan, mortgage loan lenders program that saves you money. Home Loans, Home Mortgages
Mortgage Refinance Loans
Rates are the lowest they've
been in close to 30 years.
Refinance now to get a lower
rate, turn your adjustable into a
fixed rate and get cash out!
Home Equity Loans
Cash out your equity now
for debt consolidation, home
improvements, paying off
debts or anything else you
want with your home's equity!
New Revised HARP At a Glance
Underwater on home value?  Problem solved!
HARP allows homeowners facing difficulties refinancing their mortgage through
conventional methods to apply for a refinance of their mortgage.

A homeowner that is current with their monthly payments but unable to refinance
due to a drop in the value is the typical prime candidate for the HARP program. The
ultimate goal is to allow a homeowner to do a mortgage refinance for a lower
interest rate and overall monthly payment.
Here are the general eligibility guidelines for HARP:
Home Affordable Refinance Program (HARP)
Single Family, Manufactured, Mobile and Modular Homes With Land All Eligible
  • There is no loan-to-value cap in the new HARP, for fixed-rate loans. This is
    the most significant change of HARP 2.0. Under previous versions of
    HARP, the LTV could not exceed 125%.
  • The loan on your property is owned or guaranteed by Fannie Mae or
    Freddie Mac.
  • At the time you apply, you are current on your mortgage payments. You
    can have one 30-day late payment in the past 12 months, but none within
    the past 6 months.
  • You have a reasonable ability to pay the new mortgage payments.
  • The refinance improves the long-term affordability or stability of your loan.
We're a direct resource for home mortgage loans, mortgage refinance,
mortgage rates and home equity mortgage refinancing loan programs.

We focus on your mortgage needs with the goal of delivering a straightforward,
convenient experience.  We're here to assist you every step of the way!
NO INITIAL CREDIT CHECK - NO SENSITIVE INFORMATION - FREE REQUEST
Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, Florida FL, Georgia GA,
Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA,
Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ,
New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA,
Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA,
West Virginia WV Wisconsin WI, Wyoming WY
Earth Works TrustMobile Home Loans In Park or With LandModular Home Loans - Single Family Rates and TermsSingle Family Residence, Townhomes, Condo's,         1-4 UnitsFHA Purchase, Refinance, Streamline Refinance,      Loan Limits Vary by CountyVA Purchase, Refinance, Streamline Refinance,      Jumbo Mortgage up to 1MSingle Family up to 10M , VA Jumbo Loans up to 1M
All Mortgage and Home Types
Single Family, Condo, Townhome
Modular, Manufactured or 1-4 Units
Where Great Rates, Great Programs and Customer Service Meet
Did You Know...?

FHA Streamline Refinance
Want to refinance your FHA
mortgage?
If you presently have an FHA
mortgage, you can easily qualify
for a Streamline FHA Refinance
Mortgage. Easier guidelines--no
appraisal, low documentation for
rate and term...
   Read more

VA IRRRL Streamline Refinance
The Interest Rate Reduction Loan
for no or low doc refinance
Do You Know if You Qualify?
Drastically reduce your monthly
payment
! ...  Read More

Manufactured and Mobile Homes
Direct resource of loan products for
manufactured homes and mobile
home financing
 Read more
Home Purchase Loans
Find the perfect purchase mortgage
loan.  Choose from FHA, VA, USDA
Rural, as well as Jumbo Loans (FHA
VA included) up from 417,000 to
$10,000,000.  The Big Loan is Back!
Copyright ©1999-2013 Earth Works Trust Inc. All Rights Reserved Modular, Manufactured and Mobile Home Loans Financing Lenders
Privacy policy: We respect your privacy! Your information will always be kept confidential and will never be distributed or sold!  
Mortgage - Home Loans - Refinance - Mortgage Refinancing - Mortgage Rates - Home Equity Loan Mobile Home Loan Mobile Home Refinancing Mobile Home Financing Refinance
Alabama Refinance Home AL, Alaska Refinance Home AK, Arizona Refinance Home AZ, Arkansas Refinance Home AR, California Refinance Home CA, Colorado Refinance Home CO,
Co
nnecticut Refinance Home CT, Delaware Refinance Home DE, Florida Refinance Home FL, Georgia Refinance Home GA, Hawaii Refinance Home HI, Idaho Refinance Home ID,   
Il
linois Refinance Home IL, Indiana Refinance Home IN, Iowa Refinance Home IA, Kansas Refinance Home KS, Kentucky Refinance Home KY, Louisiana Refinance Home LA,
M
aine Refinance Home ME, Maryland Refinance Home MD, Massachusetts Refinance Home MA, Michigan Refinance Home MI, Minnesota Refinance Home MN, Mississippi Refinance Home MS,
M
issouri Refinance Home MO, Montana Refinance Home MT, Nebraska Refinance Home NE, Nevada Refinance Home NV, New Hampshire Refinance Home NH, New Jersey Refinance Home NJ,
New
Mexico Refinance Home NM, New York Refinance Home NY, North Carolina Refinance Home NC, North Dakota Refinance Home ND, Ohio Refinance Home OH,
Ok
lahoma Refinance Home OK, Oregon Refinance Home OR, Pennsylvania Refinance Home PA, Rhode Island Refinance Home RI, South Carolina Refinance Home SC,
South
Dakota Refinance Home SD, Tennessee Refinance Home TN, Texas Refinance Home TX, Utah Refinance Home UT, Vermont Refinance Home VT, Virginia Refinance Home VA,
W
ashington Refinance Home WA, West Virginia Refinance Home WV, Wisconsin Refinance Home WI, Wyoming Refinance Home WY,  Loans Home Financing and Refinancing Home Loans
HARP Home Loans
Underwater on home value?  
Problem solved!  
Read more

Single Family Home Loans
Best Low Rates - All Loan Types
Government Backed Loans
.... Read more

Modular Home Loans  
Qualify for site-built loan types
and rates
...Read more
FHA. Modular Home Loans..  Read more

Conventional Mortgages
A Conventional Home Mortgage Loan is
not insured by the federal government,
unlike FHA Loans
... Read more

FHA Streamline Refinance
If you presently have an FHA
mortgage, you can easily qualify for a
Streamline FHA Refinance Mortgage.
Easier guidelines--no appraisal, low
documentation
Read More..

FHA Mortgages - 3.5% Down
Designed for all borrowers who are
unable to make a large down payment.
FHA loan limits vary
...   Read more

VA IRRRL Streamline Refinance
Do You Know if You Qualify?
Is your current loan a VA loan?
Read more

VA Mortgages - No Money Down
A VA home loan can be a bit more
complex than a conventional loan,
but the perks...
 Read more

Jumbo Mortgages, FHA, VA
Loans from $417,000 to $10,000,000
Need flexible rates and terms? Need
quick turnaround?
 Read more
Home Affordable Refinance Program (HARP)
Single Family, Manufactured, Mobile and Modular Homes With Land All Eligible
Privacy & Security Protected
1-800-608-6898