Zillow Advice: Home Equity Loans - looking for a lender who offers HELOC on manufactured homes with bad credit,no mortgage payment http://www.zillow.com/advice-thread/looking-for-a-lender-who-offers-HELOC-on-manufactured-homes-with-bad-credit-no-mortgage-payment/512026/ Zillow Advice | Zillow Real Estate Am I too late? I don't know ... http://www.zillow.com/advice-thread/looking-for-a-lender-who-offers-HELOC-on-manufactured-homes-with-bad-credit-no-mortgage-payment/512026/ Am I too late? I don't know of any lender that offers a HELOC on a manufactured home. I recently helped someone in your situation that wanted a HELOC, but instead he qualified for a cash-out refinance to get the funds needed. What is your ultimate goal here? Tue, 22 Jul 2014 08:37:00 GMT http://www.zillow.com/advice-thread/looking-for-a-lender-who-offers-HELOC-on-manufactured-homes-with-bad-credit-no-mortgage-payment/512026/ 2014-07-22T08:37:00Z Thank you.&nbsp; What I really ... http://www.zillow.com/advice-thread/looking-for-a-lender-who-offers-HELOC-on-manufactured-homes-with-bad-credit-no-mortgage-payment/512026/ Thank you.&nbsp; What I really meant in my question, was that we don't have a mortgage payment.&nbsp; Our home was paid for in cash but we are trying to find a lender who offers HELOCS on manufactured homes and our credit is not all that great. Fri, 20 Sep 2013 14:49:00 GMT http://www.zillow.com/advice-thread/looking-for-a-lender-who-offers-HELOC-on-manufactured-homes-with-bad-credit-no-mortgage-payment/512026/ 2013-09-20T14:49:00Z It is not likely that you ... http://www.zillow.com/advice-thread/looking-for-a-lender-who-offers-HELOC-on-manufactured-homes-with-bad-credit-no-mortgage-payment/512026/ It is not likely that you will find a lender offering what you are looking for.&nbsp; Traditional mortgages/HELOCs require repayment.<br/><br/>The only thing I can think of that may be an option for you is a reverse mortgage. Reverse mortgages have very clear qualification requirements that you would need to meet:<br/>- Must be 62 years old (those 60 days from birthday will also qualify)<br/>- Must own the home &ndash; be your primary residence (live there 183&nbsp; days out of the year) <br/>- Must have equity in the property <br/>- May never have defaulted on&nbsp;government&nbsp;debt (you can not have been late on any government insured or issued debt)<br/><br/>Good Luck!<br/> Thu, 19 Sep 2013 22:26:00 GMT http://www.zillow.com/advice-thread/looking-for-a-lender-who-offers-HELOC-on-manufactured-homes-with-bad-credit-no-mortgage-payment/512026/ 2013-09-19T22:26:00Z