Buying and financing today's factory built housing (HUD code and System Built) is in most cases no different from purchasing a conventionally constructed site built home when the home is permanently installed on real property.  Mortgage lenders all seek the same basic  information from you including your Credit History in the loan review and approval process.

Credit History has become and ever increasingly important piece of the lending process, especially considering that most lenders use computers to automate the credit scoring of applications.  That is, specialized programs are used to enter specific data concerning your income, job time, credit history, etc., and a resulting approval, disapproval or referred status is then applied to your application.  Without question, your credit score is a very important element of this equation. Late payments, judgments, collections, bankruptcies can all affect your ability to qualify for a loan.  This is where our expertise comes in.

When you choose Ideal Homes of Griffin for your home purchase, we will sit with you in a confidential setting and review with you, your specific Credit Report.  We are connected with all three major Credit Reporting Agencies - Equifax, Experian and TransUnion, and can instantly order your report via the Internet and go over the results with you in our office.  Many of our customers have benefited from our counseling and in time have been able to correct mistakes on their report they didn't even know they had, satisfied old outstanding issues with creditors and have generally gained a better understanding of what a Credit Report is and how important it is to them.

If you would like to take the first step to home ownership or see if you can qualify for a home loan, please fill out the below Credit Application and someone will contact you to discuss the results with you.  There is no obligation to buy anything, but you will get our straight forward and honest feedback concerning your ability and likelihood on buying a home.

Credit Application