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Lenders, if you need your contact information updated below please email with the information you need corrected. Please also include whatever you need to be within legal and regulatory compliance with your company and industry.

Eric North of Arizona Wholesale Mortgage Company in Phoenix AZ

Eric North
Manufactured Homes
Home Loan Specialist

(602) 524-2454

Arizona Wholesale Mortgage in Phoenix Arizona
Arizona Wholesale Mortgage
5050 N 8th Pl. Suite 4
Phoenix, AZ 85014
Responsibly Lending Since 1995 - Licensed Mortgage Professional NMLS#234754
Arizona Wholesale Mortgage - NMLS#19254 -- FHA, VA and Conventional

Don't let amateurs practice trial and error with your manufactured home purchase or refi!

My knowledge of FHA guidelines and how they apply to manufactured homes prevents deal-breaking surprises.

-Fast, accurate prequals to each program's guidelines.

-Systemized process uncovers relevant issues at the start of the transaction...not the end.

-Aggressive pricing avoids the excessive fees other lenders charge.
          *Call me... (602) 524-2454
I am available to answer your questions.
          *Email me for a customized loan scenario  


Updated 12/28/12:

The FHA Advantage:

Up to $5000 escrow holdback for HUD home repairs
3.5% Down
100% Gift Funds Allowed
6% Seller Concessions allowed
Lower credit restrictions
203K available

FHA Manufactured Home Purchase

Minimum Loan Amount: $55,000
(Available for all property types)
Minimum mid-FICO: 660 all borrowers (no exceptions)
No non-occupant co-signers
Singlewides or Doublewides or larger
1977 model or newer
Max 4 properties on one well (if applicable)
Gift funds OK
No parks (land must be owned, not rented)
No flood zones
Home must be in good condition
Maximum 49.99 debt ratio
No non-traditional credit

          *Call me...I am available to answer your questions. (602) 524-2454

          *Email me for a customized loan scenario  

Downloadable Standard Loan Applications:
Print first: Fax Cover Sheet
Uniform Residential Loan Application
Download direct from Fannie Mae
Usable for Conventional loans, FHA, or VA

(Download, Complete, and Fax to your Lender of choice)

Foreign Buyers Guide
for Canadians provided by
First American Title

Free MLS search of Arizona homes for sale
No registration required. Detailed reports of every listing.


Financing Resources, Mortgage Knowledge Base, and Informative Links:

RESPA - Real Estate Settlement Procedures Act
RESPA covers loans secured with a mortgage placed on a one-to-four family residential property. These include most purchase loans, assumptions, refinances, property improvement loans, and equity lines of credit. HUD's Office of RESPA and Interstate Land Sales is responsible for enforcing RESPA.

Shopping for Your Home Loan
HUD's Settlement Cost Booklet
Real Estate Settlement Procedures Act (RESPA) requires lenders and mortgage brokers to give you this booklet within three days of applying for a mortgage loan. RESPA is an American federal law that helps protect consumers from unfair practices by settlement service providers during the home-buying and loan process.

Department of
Consumer and Regulatory Affairs

Regulates businesses, issues business and alcoholic beverage licenses, and regulates historic preservation, rental housing and real estate.

FHEO - Office of Fair Housing and Equal Opportunity
The Office of Fair Housing and Equal Opportunity (FHEO) administers and enforces federal laws and establishes policies that make sure all people have equal access to the housing of their choice.


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Disclaimer: is not a lender, nor provider of financial services. Mortgage Officers displayed on this web site are not affiliated with, and are simply "business cards" for their services in the lending industry. This should not necessarily be construed as endorsements, however most have been personally recommended to the administrator of this website for inclusion as great contacts within the mortgage industry. is sponsored by the following Arizona real estate websites: Arizona Mansions, Home Listings Arizona, Paradise Valley Mansions,