Prepare Before You Apply!

Knowledge IS power – know what is needed for your best purchase possible:

CHECK YOUR CREDIT SCORE
If you’re thinking of financing your home purchase, go to annualcreditreport.com for your free score.

! GET YOUR “FICO” SCORE

Access the actual number (between 300 and 850) “Fico” Score that lenders are using when they evaluate your application.
Go to:  www.myfico.com (where you can order your score, plus your credit history, for $19.95). For a one-time score report – order the “Standard” report.. from any of the 3 companies they offer (Experian, etc.).

Once you access the report, after seeing your credit score number – check the “Credit Report” area – it will list your credit cards and the amounts owed on them. If anything there is not accurate – call Fico at their toll free number on their website, and get your credit report correctly updated.



Lender Options

In compliance with the new 2014 Dodd-Frank regulations, Down East Homes is happy to provide you with this alphabetized list of lenders in the area that are most likely to offer financing for manufactured and/or modular homes.

Please note this is just a partial listing of available lenders, and not representative of every lender that may offer lending in your area. You are welcome and even encouraged to contact other lenders to compare rates and benefits of various lending options.

This list is for informational purposes only, and not to be considered a recommendation of any particular lender, except for the type of financing they offer (chattel or home, land/home). Please direct any specific questions about financing to your lender of choice. This information is deemed to be accurate, however, this list may be updated or revised at any time, without prior notice or consent.

FOR AN ALPHABETIZED LIST OF LENDERS:  PLEASE CLICK HERE


21st MORTGAGE CORP.    (Home Only, Land/Home, Subprime)

620 Market Street, Suite 100 • Knoxville, TN 37902
Phone: 1-800-955-0021 • Fax: 1-877-312-2100
Contact: Chassidy Housewright – Ext. 2101
Website: www.21stmortgage.com (Online Application Available)


Azalea Coast Mortgage Co., Inc.    (Land/Home)

8211 Market Street, Suite CC   Wilmington, NC  28411
Phone: 910-270-4663 • Cell: 910-619-3405 • Fax: 910-270-8673
Contact: Sandra Wilson
Email – sandyw@azaleacoastmortgage.com
Website: www.azaleacoastmortgage.com
Online Application Available: https://www.secure-apps.smartapp1003.com/201185/?loanofficerid=202008
Equal Housing Opportunity Lender
NMLS # 78647 • ACM NMLS # 56441


BB&T     (Home, Land/Home)

Ruth Roberts
2806 Arendell St • Morehead City, NC 28557
Office:
252-240-8439 • Mobile: 252-422-8439
Click for Website
Click to Email Ruth


BB&T     (Home, Land/Home)

375 South Front Street • New Bern, NC 28560
Office:
252-638-7134 • Fax: 252-637-7595
Website: www.bbt.com/mlo/pmanning • Email: pmanning@bbandt.com


CASCADE FINANCIAL SERVICES     (Home, Land/Home)

3345 S.
Val Vista Drive – Suite 300 • Gilbert, AZ
85297
Phone: 877-869-7082 • Fax: 480-539-4915
Website: www.cascadeloans.com • Email: apply@cascadeloans.com
(Online Application Available)


CU Factory Built Lending     (Home only, Land/Home, LIL)

620 Green Valley Road, Suite 300 • Greensboro, NC 27408
Phone: 866-279-1899 • Fax: 866-279-1919
Contact: Chuck Ham • Email: cham@sacu.com
Website: www.cufbl.com (Online application available)


First Carolina Bank

171 N. Winstead Avenue • Rocky Mount, NC 27804
Phone: 252-451-2961 • Contact: Ronda Jordon
Website: www.firstcarolinabank.com (In-house underwriting)


Hamilton Group Funding     (Home, Land/Home)

5520 McNeely Drive • Suite 200 • Raleigh, NC 27612
Phone: 919-881-4121 – Ext. 12
Contact: Natalya Hill • Email: natalyahill@bellsouth.net
Website: www.bestlenderinraleigh.com (Online application available)


PNC MORTGAGE    (Home, Land/Home)

272 Bendix Road • Suite 150 • Virginia Beach, VA 23452
Phone: 757-671-2653 • Fax: 877-609-6677
Contact:
Lee G. Barthold • Email: leebarthold@pncmortgage.com
Website:
www.pncmortgage.com/leebarthold


Southern Bank     (Home, Land/Home)

209 S. Barnes Street • Nashville, NC 27856
Phone: 252-459-2117 • Fax: 252-459-4007
Contact: Amy Beasley
Website: www.southernbank.com


State Employees Credit Union     (Home, Land/Home)

2216 West Vernon Avenue • Kinston, NC 28504
Phone: 252-522-1717 • Fax: 252-522-1517
Email: kinston-vernonavenue@ncsecu.org


Triad Financial Services     (Home only, Land/Home LIL)

4336 Pablo Oaks Court • Jacksonville, FL 32224
Phone: 270-403-5493 • Toll Free: 800-522-2013 • Fax: 888-733-1522
Website: www.triadfs.com


US BANK     (Home Only, Home, Land/Home, LIL)

5787 Chesapeake Court •
Suite 204 • San Diego, CA 92123
Phone: 866-300-8345 • Fax: 866-245-0580
Website: www.usbank.com

Trade Ins ACCEPTED!

Check Out our NEWEST Financing Option:
UP TO 90 DAYS – MAKE NO PAYMENTS:

News To Use

THERE ARE SOLID OPTIONS AVAILABLE TO HELP YOU PLAN YOUR HOME PURCHASE:

Are you a veteran?

VA financing also has low down payments. Almost all active duty and honorably discharged service members are eligible for a VA Home Loan.

FHA programs:

Sponsored by the federal government, this program is designed to help first-time homebuyers qualify for a loan. An FHA loan offers a competitive rate, a low down payment and no loan fees.

Are you a first time home buyer?

Or… if you have not owned a home in the last 3 years, you also may be able to qualify for certain benefits.

Rates haven’t been this low in many years:

For 30 year, 15 year conventional, and construction-to-permanent loans.

Have your own land?
Home only financing is available; or you can finance a new home, land, fees and improvements with the same loan. It’s easy and it’s convenient.

USDA Single Family Housing Loans:

Made by mortgage lenders to moderate income families who have limited down payment capacity, these USDA guaranteed loans offer up to 100% financing on modulars.

STOP BY TODAY – there are many options available to get your financing started.