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"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
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.
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 accounts, 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.
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