Bad credit means you've fallen on hard times. We know this was not Intentional and that you need a second chance and should have choices and guarantees on your mobile home loan application terms. This is why we offer the industry's only bad credit best rate & fee guarantee on all manufactured home loan applicants that are living in a park community. Our terms are unbeatable and we stand behind that with a written promise. In addition, we provide all bad credit applicants with a 5 year no cost refi option. If your credit moves to good status we'll refinance you at no cost to improve your terms.