Manufactured Home Financing – Oklahoma City2024-12-12T00:55:56-05:00

Home Financing in Rosenberg, TX

Being in business over 35 years has its advantages as we have developed great relationships with a dozen home lenders & banks. Ultimately, this helps you lock in the best, most competitive rates for your home loan.

Home loans at Carousel Home Sales are quick & easy!

This isn’t our first rodeo! Customers just like you have relied on Carousel Home Sales to help them purchase their new manufactured home through our extensive network of home lenders.

Checklist for Home Financing:

– Drivers License (or) ITIN card

– Last Paycheck Stub

– Prior 2 years of Tax Returns

– Current & Previous Employer Info
(Address, Ph #, References) info

– Current & Previous Address Info
/ MH Community Info

FAQs

Can I get pre-qualified online?2024-10-29T11:11:24-05:00

Yes!  We make it easy to get pre-qualified, click here to submit online.

Do you accept ITIN numbers?2024-10-29T22:08:02-05:00

Absolutely! We’re ITIN-friendly and even have loan options tailor-made just for those with ITIN numbers. Drop us a line, and we’ll spill the details.

What kind of credit score do I need?2024-10-29T22:08:41-05:00

Worried about that pesky credit score? Don’t be! We’ve helped folks with all sorts of scores. Plus, credit is just one factor; we’ve got programs and over a dozen lenders to help you on your homeownership journey.

Can I use my land as a down payment?2024-10-29T22:11:59-05:00

If you’ve got land, use it! You can leverage that valuable real estate for your down payment. Just make sure it appraises high enough to meet the bank’s threshold, and you’re golden.

Do I need to pay a down payment to qualify for a new home?2024-10-29T22:14:36-05:00

Yes, when buying a home from us, we normally require a minimum 5 – 10% down payment, unless you have a trade-in (or) own land and wish to do land-in-lieu of a down payment. Many customers choose this option since it helps finance their initial down payment by using their land as collateral.

How many years does it take to pay off a factory-built home loan?2024-10-29T22:14:43-05:00

With over four national lenders to choose from, you have multiple home financing options that include loan terms with 5, 10, 15, 20, or 30-year notes. You tell our home specialist what you want to spend each month and we can help you find the right loan situation for your family.

What do I bring to my first appointment?2024-10-29T22:14:52-05:00

When you are applying for home financing with our lenders, it helps to bring these items to make the application process a smooth one.

  • Drivers License (or) itin card
  • Last Paycheck Stub
  • Prior 3 years of Tax Returns
  • Current & Previous Employer Address / Phone info
What is a chattel loan, and why does it sound like cattle?2024-10-29T22:15:03-05:00

Chattel loans are like the wild west of home financing: no land needed! If you’re just financing the home (not the land), this might be your best option. They tend to have slightly higher interest rates but less up-front costs. Oh, and no PMI required!

Are government loans like USDA, FHA, or VA options?2024-10-29T22:15:27-05:00

Oh yes! Government-backed loans are fantastic for lower down payments (sometimes even $0). But be warned: there are more hoops to jump through, and approvals might take a bit longer.

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