Frequently Asked Questions


What is the minimum credit score?

While there are some exceptions to our minimum score, we generally require a 660 score or higher.

What states do you offer financing in?

Credit Human offers financing programs in all states except: AK, CT, HI, MA, ME, NH, NJ, RI and VT.

Does the home have to be on a permanent foundation?

There is no requirement for the home to be set up on permanent foundation; however, the home must be in its final location before we will disburse funds.

Do you have a minimum or maximum amount you can finance?

No, there are no minimum or maximum amount restrictions on our programs. Limitations can apply due to the loan to value or debt to income ratios but there are no caps on our programs.

Do you require a down payment?

Yes, we require a minimum of 5% down on all transactions with certain situations requiring a larger down payment. See our guidelines section for more details on required down payment amounts.

Do you have any government programs?

We do not offer VA, FHA, HARP, or other government type loans.

Do you offer financing for homes located on leased land?

Yes. We offer financing on leased land, rented land, family land, as well as owned land.

What amount would I qualify for?

To determine if we can help, we need to have information about the home that you are interested in purchasing. There are many factors specific to a home which affect what we can finance.

Why doesn’t Credit Human offer a pre-approval?

Credit Human doesn’t offer pre-approval letters due to the home being personal property where several important details of the transaction can fluctuate greatly from home to home. The details that can change include monthly land costs, age, and size of home as well as location. These varying factors can change the overall customer payment obligation and the terms a home is eligible for. As a lender, this makes it difficult to pre-approve customers for financing without a home and location chosen prior to applying.

Do you finance modular homes?

We do not finance modular homes. We only finance single and double section manufactured homes.

Do you require a larger down payment if you own multiple homes?

Applicants who own more than one home are considered multi residential customers. If the home being purchased is not the primary residence, the minimum down payment for a multi residential customer is 20% down.

Do we provide investment financing or allow a borrower to co-sign for the loan that will not be living in the home?

We only finance homes that will be owner occupied by all borrowers at least part of the year.