Modular and Manufactured Homes

Southwest Housing
Fast Pre-Qualifying For Financing
on a Manufactured Home

How do I get a Home Loan ?

The first thing you need to determine when looking for a home is the price range you qualify for. If you fill out the "Pre-Approved Loan Request Form" on this page and submit it, we'll make sure you know what size and type of mortgage you are qualified for. 

The Pre-Approved Loan Process

The pre-approval process helps you buy with confidence. It's a written commitment of the dollar amount our lenders are prepared to lend you. It eliminates the "subject to loan approval" contingency in the contract.

For an application and details of other information we'll need, fill out our form on the bottom of this page and submit it to the Dealership.

Complete all the necessary information and we will be back with an answer for you, the next working day. Our answer, (if it is an approval) will be subject to an appraisal of the property and verification of certain information you have provided.

How Much Can I Borrow ?

Our lenders will allow you to borrow up to 95% of the value of the home and your land and most of the closing costs associated with a mortgage loan.

How Much Down Payment is Necessary ?

How much down payment (cash, trade, or equity in real estate) do you have? ( At our Sales Centers the minimum normally is 5% of the total of the land and home). Naturally, the bigger the down payment, the lower the monthly payments will be.

Pre-Approved Loan Form

  Borrower Information Co-Borrower Information
  Last Name
 		Last Name
  First Name
 		First Name
  Street Address
 		Street Address
          City           State       Zip
   		       City            State       Zip
   
  Time at Current Residence
 		Time at Current Residence
  Date of Birth
 		Date of Birth
  *Social Security #
 		*Social Security #
  Current Employer
 		Current Employer
  Employment Length
 		Employment Length
 

Borrower Financial Information

 Co-Borrower Financial Information
  Monthly Salary (Include Taxes)
 		Monthly Salary (Include Taxes)
  Bonuses (average for a year)
 		Bonuses (average for a year)
  Any Other Monthly Income
 		Any Other Monthly Income
  Monthly Mortgage Payment
 		Monthly Mortgage Payment
  Borrower Contact Information Co-Borrower Contact Information
  E-mail Address
 		E-mail Address
  Home Phone
 		Home Phone
  Work Phone
 		Work Phone

Information for Government Monitoring Purposes

The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity and fair housing laws.  You are not required to furnish this information, but are encouraged to do so.  The law provides that a lender may neither discriminate on he basis of this information, nor on whether you choose to furnish it.  However, if you choose not to furnish the information, under federal regulations the lender is required to note race or national origin and sex on the basis of visual observation or surname.  If you do not wish to furnish the information, please check below.

BORROWER:   I do not wish to furnish this information.

Race or National Origin:      

Sex:  

CO-BORROWER:   I do not wish to furnish this information.

Race or National Origin:  

Sex:

NOTICE to Ohio Applicants:  The Ohio Laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request.  The Ohio Civil Rights Commission administers compliance with this law.

NOTICE to California Applicants:  A married applicant may apply for credit individually.

NOTICE to Washington State Applicants:  Please let us know if we should investigate your credit references and/or credit history under another name.

"YOU" AND "YOUR" MEAN THE APPLICANT AND CO-APPLICANT; "WE", "US" AND "OUR" MEAN THE RETAILER.

*YOU WARRANT THAT THE INFORMATION YOU ARE FURNISHING ABOVE IS TRUE, ACCURATE, SUPPLIED VOLUNTARILY, AND NOT MISLEADING.  YOU AUTHORIZE US, AT OUR OPTION: TO CHECK YOUR CREDIT AND EMPLOYMENT HISTORIES NAMED ABOVE; TO ANSWER QUESTIONS ABOUT YOUR CREDIT HISTORY WITH US; AND TO KEEP THIS APPLICATION WHETHER OR NOT IT IS APPROVED.   WE MAY OBTAIN CONSUMER CREDIT REPORTS PERIODICALLY FROM ONE OR MORE CONSUMER REPORTING AGENCIES (CREDIT BUREAUS) IN CONNECTION WITH YOUR APPLICATION AND ANY UPDATE, RENEWAL, REFINANCING, MODIFICATION OR EXTENSION OF THE CREDIT.  WE OR ANY AFFILIATE OF OURS MAY OBTAIN ONE OR MORE CONSUMER CREDIT REPORTS ON YOU FROM TIME TO TIME FOR ANY LEGITIMATE BUSINESS PURPOSE.  IF YOU ASK, YOU WILL BE TOLD WHETHER A CREDIT REPORT WAS REQUESTED, AND IF SO, THE NAME AND ADDRESS OF ANY CREDIT BUREAU FROM WHICH WE OR OUR AFFILIATE OBTAINED YOUR CREDIT REPORT.  WE MAY ALSO VERIFY YOUR EMPLOYMENT, PAY, ASSETS AND DEBTS.  YOU AGREE THAT ANYONE RECEIVING A COPY OF THIS IS AUTHORIZED TO PROVIDE US WITH SUCH INFORMATION.

YOU UNDERSTAND THAT THE HOME RETAILER EXTENDS CREDIT AT DIFFERENT RATES AND CREDIT TERMS AND AGREE THAT YOU ARE APPLYING FOR AN EXTENSION OF CREDIT AND NOT FOR A PARTICULAR RATE OR PARTICULAR CREDIT TERMS.

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Southwest Housing
 11890 E. Montana Avenue, El Paso, Texas 79936
(915) 921-6060, Toll-Free (866) 226-6374, Fax (915) 855-1529
 info@sw-housing.com
" The dealership with a heart "
  
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