Saturday, May 3, 2014

Mobile Home Impediments and Opportunities

A few days after the recent post on American and Mexican housing, the New York Times Magazine ran a lengthy article, which I was alerted to thanks to Brandon Donnelly's blog, profiling America's mobile home industry. Brandon considers the ethical issues raised by the apparently considerable profits to be made in this area of real estate, such that there are now entire courses offered by successful investors in making one's fortune, or at least living, owning and operating mobile home communities.

The article serves as a nice jumping off point from the earlier post, as it deals with what is, in much of the United States, nearly the only type of single-family detached housing that is allowed to be both very small and built on very small lots. Much of the affordability of this housing type, it seems, is attributable not only to the efficiencies of mass production or the frequent separation of the cost of land from the cost of ownership, but the common exemption of areas zoned for mobile homes (setting aside for now the curiosity of why there should even be such zones) from the standard restrictions of single family zoning, including minimum lot sizes, front and side setbacks, parking requirements and even minimum street widths.

Consider, for instance, the zoning code of Bradenton, Florida, which like many Florida cities has a large number of so-called mobile home communities (though in the majority of cases, these homes are never moved after being sited):

City of Bradenton.
In the above chart, admirably simple for an American zoning code, R-1 is single-family, R-2 is two-family, R-3 multifamily, and R-4 "Mobile Home" (UV is a special "urban village" district that covers very little of the city). Note that in the mobile home district, minimum lot sizes are less than half that required in the single-family district, even though both only permit single-family homes! The comparative minimum dwelling sizes are a strikingly divergent 1,500 sq. ft. and 400 sq. ft. The mobile home zone is allowed to be built so densely, in fact, that its maximum permitted units/acre is equivalent to the multifamily zone. Not shown here are the parking tables, which require only one space for mobile homes, yet two for single-family homes, regardless of square footage.

The resulting streetscapes in the mobile home zones are completely different from almost anything else in American suburbia, featuring extremely narrow streets without on-street parking, very modest setbacks and tiny lots either with pocket backyards or none at all (from Bradenton):



Some are so tightly packed that streets can barely accommodate a single car (again from Bradenton):


The separate standards for site-built and mobile homes probably arise from the fact that the latter homes were initially presumed to be transient, and that the sites designated to host them were therefore viewed more as parking lots than as a formal arrangement of streets and building lots. As one study puts it, many of the complex issues surrounding mobile homes "arise, in part, from the mobile home's historical classification as a travel trailer, the vestiges of which persist even though mobile homes have become a more permanent housing solution." Although city planners, such as those in Bradenton, appear to be gradually imposing more conventional siting requirements on mobile homes, this statutory inertia continues to manifest itself in more permissive square footage and lot sizing requirements as well as the separate zoning designation itself.

The existence of dueling single family zones with such disparate requirements produces some striking visual contrasts, as below, where R-4 adjoins R-1:


The relaxed requirements for mobile home zones may help explain their proliferation in Florida, particularly in permissively-zoned unincorporated areas of surrounding counties such as Manatee. The looser regulations serve as a major subsidy on top of manufactured homes' significantly cheaper construction costs. A resultant surge in construction of such neighborhoods in Florida, where trailers have probably always been subject to less zoning ostracism due to the need to accommodate RV-driving and trailer-bearing seasonal visitors, appears to have normalized the type.

It may seem strange to discuss how mobile homes occupy a privileged position in many zoning codes, given that literature on mobile home areas tends to focus on the regulatory impediments to their construction. However, these impediments tend to take the form of limited areas actually zoned for mobile homes, rather than the restrictions within these zones. The money to be made in operating mobile home communities appears to be a form of regulatory arbitrage that takes advantage of the much smaller lots, home sizes and generally cheaper infrastructure permitted within mobile homes zones as compared to those for single-family zones. This permissiveness has not escaped notice of the tiny house proponents, who have sought to use existing RV park designations to accommodate tiny house communities.

Although Bradenton actually bans site-built homes within its mobile home district, a few cities are gradually coming around toward embracing by-right smaller lots for site-built homes in existing suburban neighborhoods. Portland's (Oregon) infill regulations permit lots as little as 2500 square feet in some instances, though not without predictable hysterical reactions. Had such small lots been permitted as of right in a city like Bradenton for site-built homes, it seems plausible that trailer homes would be less common. When small lots are combined with attractive homes on narrow streets, the result doesn't have to be so terrifying after all.

Key West, Florida.

78 comments:

  1. Great article ...Thanks for your great information, the contents are quiet interesting.I will be waiting for your next post.I bookmarked this blog further more information.
    Calgary New Home Builders.

    ReplyDelete
  2. It would be nice for me to find someone that can help my sister find a new home. They don't like living in a home where there are multiple couples. There is just way too much drama there. http://www.sunflower-management.com/

    ReplyDelete
  3. I've been thinking about buying a mobile home for vacations every so often. I mean, paying for the mobile home really wouldn't be that difficult, and in the long run it would make vacations much cheaper. I just don't know if they would let me do something like this. What do you guys think?

    http://www.deltahomecenter.com

    ReplyDelete
  4. This is really a excellent honestly i don't have any strategies for my real estate and it is very helpful. Beverly Hills Real Estate Broker single family homes for rent in Los Angeles

    ReplyDelete
  5. Hi, i can write articles to your blog, if you are interested, please let me know.
    Boerne Texas Real Estate

    ReplyDelete
  6. Thanks your blog is awesome.
    thanks for sharing information.
    Videocon 2.75g Internet plan
    Videocon Telecom invests approx Rs 130 Cr to upgrade its network to 2.75G EDGE, a 3G standard technology, to enhance Customer experience on data speed. Rolls out a full-fledged marketing campaign to get Customer attention.

    ReplyDelete
  7. The moral of this obviously is that it's not always as it seems, and am on the verge myself of traveling across the country in a trailer home!
    Trailer rental Brisbane

    ReplyDelete
  8. Nguyên nhân và dấu hiệu viêm âm đạoTuy nhiên, không phải ai cũng biết và hiểu về bệnh lý này. Viêm âm đạo tuy không nguy hiểm tới mức ảnh hưởng trực tiếp đến tính mạng người bệnh nhưng nếu không được điều trị nó lại là nguyên nhân dẫn đến hiếm muộn và các bệnh lý liên quan khác
    Hải sâm là gì - nấu món gì ngon ?Hải sâm là gì? có lẻ đây là câu hỏi cũng không ít người đang tò mò muốn biết, là một thực phẩm được xem là hảo hạng, mang đến nhiều giá trị dinh dưỡng vô cùng quan trọng cho con người
    Hải sâm có tác dụng gì?Hải sâm là một loại thực phẩm biển tuyệt hảo, món ăn bổ dưỡng và khoái khẩu của nhiều thực khách tại các nước như Malaysia, Trung Quốc, Nhật Bản, Indonesia
    Ăn ngải cứu có tác dụng gì?Sau đây bài viết ăn ngải cứu có tác dụng gì sẽ giúp các bạn hiểu rõ hơn về tác dụng cũng như mặt hại của loại cây này nhé, cùng theo dõi bài viết sau đây nào!
    Công dụng của ngải cứu đối với bà bầuTuy nhiên các chuyên gia dinh dưỡng nhận định rằng không phải vì thế mà phủ nhận vai trò của ngải cứu khi mang thai. Việc ăn ngải cứu như thế nào để tốt nhất cho thai nhi và thể trạng của người mẹ.
    Hiếm muộn là gì?Chính vì vậy, nếu họ không áp dụng bất cứ biện pháp tránh thai nào thì có khoảng 90% sẽ có con sau 1 năm chúng sống.
    Bị dị ứng da mặt phải làm sao?Khi xã hội ngày một phát triển, nhu cầu làm đẹp của chị em phụ nữ chúng mình ngày càng được quan tâm đúng không nào các bạn
    Bị dị ứng da mặt nổi mụn nên làm gì?Để giúp các bạn gái điều trị tình trạng này, hôm nay chúng tôi xin chia sẻ đến các bạn một số kinh nghiệm trị mụn do dị ứng dưới đây, các bạn có thể tham khảo nhé!
    Da bị dị ứng mỹ phẩm phải làm sao?Tất cả các loại mỹ phẩm như: sữa rửa mặt, dung dịch tẩy trang, nước hoa hồng, kem chống nắng, chống nhăn, kem dưỡng ngày, dưỡng đêm, son môi, phấn má
    Bị dị ứng ngứa khắp người nên làm gì?Những người có cơ địa dị ứng rất nhạy cảm với những tác động của thời tiết đặc biệt là thời khắc chuyển mùa khi nhiệt độ thay đổi đột ngột dễ gây ra bị dị ứng, nổi mề đay, mụn, ngứa, da sần sùi…
    Bị dị ứng ngứa toàn thân nên làm gì?Nguyên nhân có thể do người bệnh ăn phải các thực phẩm dễ gây dị ứng, do thay đổi thời tiết hoặc cũng có thể là dấu hiệu của một số bệnh ngoài da, dị ứng, bệnh nội tạng

    ReplyDelete
  9. Homeowners insurance for a mobile home in Massachusetts is slightly different than that for a traditional home.
    For more visit mobile homes Massachusetts

    ReplyDelete

  10. buy a home
    Property Solutions



    OG Property Solutions is here in Bakersfield to help homeowners out of any kind of distressed situation. As investors, we are in business to make a modest profit on any deal; however we can help homeowners out of just about any situation, no matter what! There are no fees, up-front costs, commissions, or anything else. Just the simple honest truth about your home and how we can help you sell it fast to resolve any situation.

    You may hear from others, the news, or even real estate agents, that investors are all out to screw over the home owner, but this simply isn’t true. OG Property Solutions is part of a nationwide group of thousands of investors who are helping tens of thousands of homeowners every year. We may not be the “traditional” route, but the reason many bad mouth investors is because we CAN help and we can do it quickly, which they don’t want YOU to know about!

    I am Randy of OG Property Solutions. I live with my wife, daughter and two grandsons. I was in management for 9 years in Bakersfield and I am now happy to be in real estate investments, something I wanted to do years ago. I now have a team put together to help create a solution to help you resolve any situation.

    Give us a call today at 661-615-3314 to let us know what YOU need help with!

    ReplyDelete
  11. Nice Website...
    Hey JOIN now fblikesbot.com and Increase Facebook Likes your profile and websites.
    Increase Facebook Likes and check your website worth worth my websites
    FB Likes and check your website worth Website Value Calculator
    Hot Wallpapers seo tools website
    its may be very beneficial for you also really

    ReplyDelete
  12. Brilliant blog post, really informative.

    ReplyDelete
  13. You have done good job on your blog so carry on work more please view Galaxy S7 Edge

    ReplyDelete
  14. Your Post is very nice and you can do more work on your blog too. Galaxy Note 5

    ReplyDelete
  15. Your blog look nice and good in quality so make more back links for it.
    Qmobile Price and Specification

    ReplyDelete
  16. Your blog look nice and good in quality so make more back links for it.Qmobile Price and Specification

    ReplyDelete
  17. Are you working serious on your website then carry on worry and use our list alsoFree Blog Post Sites

    ReplyDelete
  18. Your website look good in post where you get this idea nice to look.mobiphones

    ReplyDelete
  19. You must carry on your work and i choose it for my point of view sharing on it.
    How To Make Money Online

    ReplyDelete
  20. Lower earning human beings haven't any wish of getting a detached residing apart from a mobile home park.
    A mobile home can provide them with privacy, a backyard, a sense of community.
    you're in reality supporting people when you offer a first-rate mobile home park environment.
    If you want to recognise greater, you can visit:- mobile home park Massachusetts

    ReplyDelete
  21. House proprietors scope for a fabricated house in Massachusetts is somewhat particular than that for a customary home. For extra go to:-mobile homes Massachusetts

    ReplyDelete

  22. To do this it's suggested that the mobile homeowner take their time when securing insurance for their home. Optimally they should start researching prospective mobile home insurance companies before they are due to take possession of the actual unit.please click to visit : mobile homes Massachusetts

    ReplyDelete
  23. I specialize in senior real estate and have done research on many of the Active Adult Communities in our vicinity. After reviewing all information. active adult community Massachusetts

    ReplyDelete
  24. Your website is really cool and this is a great inspiring article. loft conversions twickenham

    ReplyDelete
  25. really Impressing plan looking too good.thanks to display here.

    ReplyDelete

  26. Sell land fast
    i want to sell my land
    Selling your land

    Sell Your California Land. Is your land a burden? Is it time to sell? We make selling your land a quick and easy process, and it costs you nothing out of pocket. For more information then Visit: www.purelandbuyers.com

    ReplyDelete
  27. Hi admin
    I read your blog, its really awesome, I love it.
    I have additionally this related website.
    Discover how to booty advantage of backdrop for auction in Bulgaria and accumulation from the access in tourism.
    Fast closing
    Best Regards
    Angela Andrea

    ReplyDelete
  28. Are you trying to start a business, settle your debt, expand your existing one, need money to build, need money to purchase supplies.Have you been having problem trying to secure a Good Credit Facility, Contact us now for financing today and put a stop to all your financial barriers. We are fast, reliable and competent. For immediate response Email: loansharkinginvestment@gmail.com

    ReplyDelete
  29. Hi guys,
    Thank you so much for this wonderful article really!
    If someone want to know more about the Real Estate Agent In Portland Oregon I think this is the right place for you!

    ReplyDelete
  30. Hello everyone, my name is Kate Johnson.I was able to hack my husband's phone remotely and gained access to all his texts and calls with the help of ghosthacker2351@gmail.com, he is reliable and trustworthy.I have tried him and I can say for sure that he did a good job.if you require his services tell him I referred you.

    ReplyDelete
  31. Hello everyone, my name is Kate Johnson.I was able to hack my husband's phone remotely and gained access to all his texts and calls with the help of ghosthacker2351@gmail.com, he is reliable and trustworthy.I have tried him and I can say for sure that he did a good job.if you require his services tell him I referred you.

    ReplyDelete
  32. Great post thanks for this but I also wan to share some more information about home insurance UK so please read also :)

    Regard: arkwrightinsurance

    ReplyDelete
  33. Hello Everybody, My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com)

    ReplyDelete
  34. great i like it find here more like that find and search here best florida homeowner insurance group 

    ReplyDelete
  35. great post and helpful post keep like doing more I also appreciate you nee more like that search here
    how to buy a house

    ReplyDelete

  36. Are you in need of a loan?
    Do you want to pay off your bills?
    Do you want to be financially stable?
    All you have to do is to contact us for
    more information on how to get
    started and get the loan you desire.
    This offer is open to all that will be
    able to repay back in due time.
    Note-that repayment time frame is negotiable
    and at interest rate of3% just email us.
    email : islanmicfinancialhome@gmail.com
    Please, do provide us with the Following information If interested
    1) Full Name:.........
    2) Gender:.........
    3) Loan Amount Needed:.........
    4) Loan Duration:.........
    5) Country:.........
    6) Home Address:.........
    7) Mobile Number:.........
    8)Monthly Income:.....................
    9)Occupation:...........................
    )Which site did you here about us.....................
    Thanks and Best Regards.email : islanmicfinancialhome@gmail.com

    ReplyDelete

  37. Are you in need of a loan?
    Do you want to pay off your bills?
    Do you want to be financially stable?
    All you have to do is to contact us for
    more information on how to get
    started and get the loan you desire.
    This offer is open to all that will be
    able to repay back in due time.
    Note-that repayment time frame is negotiable
    and at interest rate of3% just email us.
    email : islanmicfinancialhome@gmail.com
    Please, do provide us with the Following information If interested
    1) Full Name:.........
    2) Gender:.........
    3) Loan Amount Needed:.........
    4) Loan Duration:.........
    5) Country:.........
    6) Home Address:.........
    7) Mobile Number:.........
    8)Monthly Income:.....................
    9)Occupation:...........................
    )Which site did you here about us.....................
    Thanks and Best Regards.email : islanmicfinancialhome@gmail.com

    ReplyDelete
  38. URGENT GENUINE LOAN OFFER APPLY NOW.

    Do you need an urgent loan or any other financial assistance?
    We offer all type of loan at three percent (3%) interest. email us now via: harry50loanfirm@gmail.com with the following information

    full name:
    date of birth::
    country:
    occupation:
    loan amount:
    loan duration:
    loan purpose:
    monthly income:Please write back if interested for more info via our contact below

    EMAIL: harry50loanfirm@gmail.com

    Regards,
    Harry morgan

    ReplyDelete


  39. We wish to give out loan to whom ever that is in need of a loan at interest rate of 3%, We give out loan from the minimum of 5,000.00 usd to the maximum 100 million dollars, pounds, euros, If interested, Contact us via email: johnoneil945@gmail.com

    ReplyDelete
  40. Are you looking for a business loan, personal loan, home loan, car Loan, student loan, debt consolidation loan, unsecured loan, and venture capital? If you were refused a loan by a bank or financial institution For one or more reasons. You are at the right place for your loan Solutions, We give out loans to all individuals within the range of 1,000 minimum to 100,000,000 maximum within 1 year to 20 years repayment duration period, to any part of the world. Please, contact us for more information via email: russell.credit40@gmail.com

    ReplyDelete
  41. Are you looking for a business loan, personal loan, home loan, car Loan, student loan, debt consolidation loan, unsecured loan, and venture capital? If you were refused a loan by a bank or financial institution For one or more reasons. You are at the right place for your loan Solutions, We give out loans to all individuals within the range of 1,000 minimum to 100,000,000 maximum within 1 year to 20 years repayment duration period, to any part of the world. Please, contact us for more information via email: russell.credit40@gmail.com

    ReplyDelete
  42. Are you looking for a business loan, personal loan, home loan, car Loan, student loan, debt consolidation loan, unsecured loan, and venture capital? If you were refused a loan by a bank or financial institution For one or more reasons. You are at the right place for your loan Solutions, We give out loans to all individuals within the range of 1,000 minimum to 100,000,000 maximum within 1 year to 20 years repayment duration period, to any part of the world. Please, contact us for more information via email: russell.credit40@gmail.com

    ReplyDelete
  43. We work according to a clear, flexible, transparent and easy to understand terms. We offer very low interest rates in relation to the transition slow down economic activity (recession) in most countries of the world. You may have bad credit, Our company now offers affordable interest rate loan, so what do you need funds to boost your business? Or are you in need of money for some personal purposes? Why not contact us now, as we offer loans by individuals or legal entities at the 3% interest rate for a maximum period of 25 years. The interested applicant can contact us via e-mail now: paulsonloaninvestment@gmail.com

    ReplyDelete

  44. I am Sarah by name. I live in CANADA, i want to use this medium to alert all loan seekers to be very careful because there are scam everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online loan lenders. I had almost lost hope until a friend of mine referred me to a very reliable loan lender called Mr Perch David from USA who lend me loan of $50,000 under 6hours without any stress. If you are in need of any kind of loan just contact him now via: forafinancialloancompany@gmail.com I am using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I dont wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr Perch David from USA, i pray that God should give him long life.

    ReplyDelete

  45. Good day,
    Are you in need of urgent loan…Do you want to clear your debt, expansion of business,r personal loan” you can contact us for your fast and reliable loan at a low interest rate of 2%, and affordable repayment plan with good credit conditions email :joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com

    ReplyDelete

  46. I am Sarah by name. I live in CANADA, i want to use this medium to alert all loan seekers to be very careful because there are scam everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online loan lenders. I had almost lost hope until a friend of mine referred me to a very reliable loan lender called Mr Perch David from USA who lend me loan of $50,000 under 6hours without any stress. If you are in need of any kind of loan just contact him now via: forafinancialloancompany@gmail.com I am using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I dont wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr Perch David from USA, i pray that God should give him long life.

    ReplyDelete

  47. I am Sarah by name. I live in CANADA, i want to use this medium to alert all loan seekers to be very careful because there are scam everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online loan lenders. I had almost lost hope until a friend of mine referred me to a very reliable loan lender called Mr Perch David from USA who lend me loan of $50,000 under 6hours without any stress. If you are in need of any kind of loan just contact him now via: forafinancialloancompany@gmail.com I am using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I dont wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr Perch David from USA, i pray that God should give him long life.

    ReplyDelete
  48. We offer personal loans up to $100,000, Are you looking for a business loan and have been denied by a bank, we can help with loans from $5,000 to the maximum amount $100,000* that can help you rebuild your business and get you back ^, We can put you on a path towards a better financial future.

    Just in time, you can apply in minutes and get your cash the same day.


    Don't delay! email via mail.us { samsulalamcashfirm@gmail.com } or visit us at one of our 200+ locations across the would to see how we can help.

    Thanks for contacting us,

    Warm regards
    Mr.Samsul Alam
    samsulalamcashfirm
    samsulalamcashfirm@gmail.com

    ReplyDelete
  49. WELCOME TO TOP WORLD LOAN VENTURE!

    Do you Need a loan to pay off your bills? you need
    personal or business loan? or a loan for various
    other purposes?
    We give out legitimate loans to serious Individual
    and Companies that are in need of loans, we offer
    all kinds of loans at 3% interest rate without
    stress.

    FILL THE LOAN APPLICATION FORM BELOW
    full Name:
    Country:
    state:
    Occupation:
    Gender:
    Contact address:
    phone number:
    Loan amount needed:
    Loan Duration:
    Purpose of loan:
    Monthly Income / Yearly Income
    topworldloanventure@gmail.com
    Best Regards
    Management

    ReplyDelete
  50. We can help reach your goals for 2017 by helping you get the right funding you need. Paul Davis Loan Company has low-rate financing options for your complete financial needs. We offer the best in Auto, RV, Visa Credit Card, Home Equity, Mortgage, Personal, Line-of-Credit loans & more. And you can always count on Paul Davis Loan Company First to provide instant online applications, flexible terms, and the finest in
    member service. If in any way i could be of help to prior to your funding needs, do not hesitate to get in touch with me as soon as possible. finanacialloanfirm@gmail.com

    ReplyDelete
  51. الان فى جميع المحافطات احصل على صيانة دورية من توكيل صيانة يونيفرسال لاجهزة الكهربائية باقل الاسعار فقط تواصل مع خدمة عملاء يونيفرسال

    ReplyDelete
  52. My name is powell williams

    I am a business loan lenders give loans to people who
    they need the confidence that you can repay the loan and give credit to the
    Loans rental,
    car loans,
    business loans,
    Mortgage,
    Educational loans
    construction loans,
    commercial mortgage,

    Please e-mail: powellwilliamsloanhelp@gmail.com

    I do not know if you need a loan, if you are interested
    Loans can come back to me now Okay

    ReplyDelete
  53. Hello, this is Home bridge financial Service. A reputable, legitimate & accredited lender. We give out loan of all kinds in a very fast and easy way. We offer both commercial loan, business loan, Debt Consolidation, student loan or any kind of loan of your choice at 2% interest rate. If you are Interested get back to us on this Email address homebridgefinance@usa.com With the following information's below:.

    Name:
    Surname:
    Country:
    City:
    Postcode:
    Sex:
    Date of Birth:
    Phone:
    Marital status:
    Occupation:
    Amount of Required loan:
    Purpose of loans:
    Duration of loan :
    Monthly Income:

    ReplyDelete


  54. CHONGIE LOANS,

    loan lender who gives life time opportunity loans. Do you need an urgent loan to clear your debts or you need a capital loan to improve your business? have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all yourfinancial problems a thing of the past.

    We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills,to invest on business at a rate of 3%.I want to use this medium to inform you that we render reliable and beneficiary assistance and will be willing to offer you a
    loan.


    EMAIL: chongieloans@aol.co.uk
    WEB SITE: www.chongieloans.webs.com


    Best Regards
    Chongie B.l.A
    Chongie Financing Plc

    ReplyDelete


  55. Hello everyone my name is Luana Rodrigues, am here to testify how i was scammed by various loan lender from this site.I was in need of a loan and i applied from various loan lenders from this very site. They asked me to pay some amount of money at different basis but i never get my loan. This was how i lost the sum of 5000USD . I was now in debt because i borrowed the money from a friend.One day a friend of mine introduce me to Detlev jonas Loan. He told me how he has helped him with loan at several cases without any delay. I was scared and never believe her. She urge me to trust her,this was how i was introduce to him through his email {hmloans2@gmail.com}. She told me She will offer me the loan that i only need to comply with them. I did as She told me and without any delay,i received my loan as She earlier promise. Am here to tell you that most of the loan lenders in this site are scammers. If you truly need a genuine loan please meet Detlev Jonas loan through his email hmloans2@gmail.com . He is a registered reliable loan lender.

    Name Of testifer: Luana Rodrigues
    Email Of Lender: hmloans2@gmail.com
    Lenders Name : Falicity Shaw

    ReplyDelete
  56. Are you in any financial consternation or do you need money to start your own business?
    Do you need a loan to settle your debts or pay your bills? Do you have a low
    Credit score, and you will find it hard to get capital loans from local banks /
    Other financial institutions? If you need a loan or a financing for some reason,

    * Vehicle loans
    * Real estate loans
    * Business loans
    * Other loans
    * Credit line
    * Master Card

    Note: We give loans for only 3% interest rate annually.

    Please inform that your loan will be transferred to you in any country you are transferring
    Living in the world Every customer who is in need should give the following
    Information by e-mail: - razacmooreloanfirm@yahoo.com, so that we can open
    Loan processing file

    Loan Amount Required ............................
    Loan amount used in words .................. ..
    Full names ........................ ......... ..
    Country………………………………..
    Post Code ..............................
    Valid cell phone number ......................
    Time to call ................................. ..
    Address………………………………….
    The reason for the credit ..............................
    Job……………………………..
    Monthly income……………………………..
    Gender: ................ ..................... ..
    Nationality……………………………..
    Loan term .................................
    Federal state…………………………………..
    City……………………………………..
    Older……………………………………..

    Contact E-mail: - razacmooreloanfirm@yahoo.com
    Stay blessed,
    Ah.Razac

    ReplyDelete

  57. I am Joan Felch, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com)

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will
    profit you? and you don’t know what to do.a

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..
    6. Monthly Income:……………..

    Email (joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com)
    Best Regards,

    Mr Joan Felch.

    ReplyDelete
  58. Do you need a loan / financial assistance? We can help you secure your
    future financially. send your replies to:austintrustloanfund@hotmail.com

    Name:
    Sex:
    Country:
    Phone Number:
    amount:
    duration:

    Note: All loan applicants interested shouldering send Their replies to:
    austintrustloanfund@hotmail.com

    ReplyDelete
  59. We offer personal loans up to $100,000, Are you looking for a business loan and have been denied by a bank, we can help with loans from $5,000 to the maximum amount $100,000* that can help you rebuild your business and get you back ^, We can put you on a path towards a better financial future.

    Just in time, you can apply in minutes and get your cash the same day.


    Don't delay! email via mail.us { samsulalamcashfirm@gmail.com } or visit us at one of our 200+ locations across the would to see how we can help.

    Thanks for contacting us,

    Warm regards
    Mr.Samsul Alam
    samsulalamcashfirm
    samsulalamcashfirm@gmail.com

    ReplyDelete


  60. Hello Dear Valuable Loan Seeker's,

    I am a private, reliable, trustworthy lender; I render loans to
    individuals and companies at low and affordable unbeatable

    interest rate of 2%.

    Are you looking for a business loan, personal loan, home loan, car
    Loan, student loan, debt consolidation loan,Mortgage Loan,
    Real Estate Loan,unsecured loan, and venture capital Loan?
    or any type of loan you are looking for

    If you were refused a loan by a bank or financial institution For one
    or more reasons. You are at the right place

    for your loan Solutions, We give out loans within the range of $1,000
    to $100,000,000 within 1 year to 15 years

    repayment duration period, to any part of the world

    contact us now and end your misery in just less than 24 hours,
    contact us now on our details below!!!!!!!

    Email:.....charlesrussellloancompany@gmail.com

    Text or call : 239-206-5588

    Charles Russell
    Loan Admin

    ReplyDelete


  61. Good Day

    Are you in any kind of financial difficulty?

    Are you having

    sleepless nights and worried on how to get a loan to relief

    you from all your financial stress?

    Your help comes now.

    Contact: CHARLES RUSSELL LOAN COMPANY for easy affordable and

    reliable loans at 2% unbeatable interest rate.

    Email: charlesrussellloancompany@gmail.com

    Borrowers INFORMATION

    Full Name:

    Country:

    State:

    City:

    Address:

    telephone number:

    Sex:

    Loan Amount:

    Loan Duration:

    Purpose Of Loan:

    Monthly Income:

    Social Security Num:

    BEST REGARD

    Charles Russell
    Loan Admin




    ReplyDelete
  62. My name is Glenn Baker and i live in USA Florida and i am a happy man today, I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Glenn Baker referred you to them. scottlarry918@gmail.com


    Glenn Baker

    ReplyDelete
  63. Do You Need a loan…..?
    Contact Michael Financial Service , a private money lenders and also in
    real estate management. Here comes a good loan offer for all those who
    needs
    Financial assistance at a low rate of 3%. With Red Cross loan
    Improvement, you can say goodbye to all your financial crisis and
    difficulties. We give out loans of any amount. We fight financial
    crisis and to give a room for bright future in our
    society as we do our business .If you are interested you should
    indicate your interest and we shall assist you in securing your loan.
    Apply with details.

    1. Your names:
    2. Amount Needed:
    3. Your country:
    4. Loan Duration:
    5. Your address:
    6. Phone Number:
    7. Monthly Income:
    8. VALID ID:
    (International or National)

    Contact Person: Mr Michael
    E-mail: Michaelnordmannloanfirm@gmail.com

    ReplyDelete
  64. Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? All you have to do is to contact us for more information on how to get started and get the loan you desire. This offer is open to all that will be able to repay back in due time. Note-that repayment time frame is negotiable and at interest rate of 3% just email us (urgentloan22@gmail.com)

    ReplyDelete
  65. Cám ơn bài chia sẻ của chủ top. Tham khảo thêm:bị bệnh giang mai

    ReplyDelete
  66. Attention!!!
    Do you need Urgent loan? We give out loan to interested individuals
    who are seeking loan with good faith and with the interest rate of 3%. Are you seriously in need of an
    urgent loan? then you are at the right place. We give out business
    loan, personal loan, Xmas loan, and so on. Contact us for your loan request to meet your
    demand and set out from financial problem. contact us today via email for fast and secure loan:
    ALEXANDERKREDIT111@INBOX.LV

    Thanks as we await your response.
    Alexander Comfort Loan.

    ReplyDelete


  67. I am Joan Felch, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com)

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will
    profit you? and you don’t know what to do.a

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..
    6. Monthly Income:……………..

    Email (joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com)
    Best Regards,

    Mr Joan Felch.

    ReplyDelete
  68. Informative article, just what I was looking for.seo services chennai

    ReplyDelete
  69. Dear Investors/Financial Seekers. We are a Registered Private Investors/Loan Lender! Do you need FINANCIAL ASSISTANCE? Are you in financial mess OR debts? We offer loan at 2% interest rate within 1 year to 30 years repayment duration period to Individual and Companies that are in need of financial assistance and to any part of the world. We give out loans ranging from $5,000.00 to $500,000,000.00, CURRENCIES: USD, CAD, KWD, OMR, SGD, RUB, GBP, AUD, MYR, ZAR, IDR, UAH, PHP, EURO. Our loans are well insured for maximum security is our priority, Are you losing sleep at night worrying how to get a legit loan lender? Are you in poverty? Do you need financial assistance to set-up a business? We can assist you financially. We'll help you get over those financial obstacles. Interested Individual OR Companies should contact us via: Email:{equityfirmloans@gmail.com}

    ReplyDelete
  70. Hello Sir / Madam,

    Do you need a credit/financial help for your business, mortgage, rent, personal loan, loan for a car or buy a house or even tuition fee for your child? We offer funding at a very low interest rate of 2.5%. All interested Applicants are to contact us via email; vdaniels0007@gmail.com for more information.

    Get back to us via email: vdaniels0007@gmail.com

    Trimark Financial Services
    Management
    United States.

    ReplyDelete
  71. i am Marian Williams from USA Illinois i was having a bad credit scores i am my family was stuck in a financial situation and i needed a loan sum of $100,000,00 dollars to pay my bills and start up a new business and unfortunately my daughter was very sick and was rush to the hospital and the doctor told my family that my daughter need to under go a surgery and it will cost us the sum of $60,000,00 dollars and my family was stuck in a financial situation we tried seeking help from various loan company and banks and they all decline as good will have it all i came across Mrs shelter loan company who offered me a loan sum of $190,000,00 dollars and today my daughter surgery was 100% successful please if you must contact any company in references in securing a loan without collateral no credit check with just 2% interest rate please contact Mrs shelter Iweala loan company on her email address (mrshelterloanfirm@hotmail.com) or whatsapp number (+2348135431671) she doesn't no know that i am doing this and i pray God favor her more.

    ReplyDelete
  72. i am Marian Williams from USA Illinois i was having a bad credit scores i am my family was stuck in a financial situation and i needed a loan sum of $100,000,00 dollars to pay my bills and start up a new business and unfortunately my daughter was very sick and was rush to the hospital and the doctor told my family that my daughter need to under go a surgery and it will cost us the sum of $60,000,00 dollars and my family was stuck in a financial situation we tried seeking help from various loan company and banks and they all decline as good will have it all i came across Mrs shelter loan company who offered me a loan sum of $190,000,00 dollars and today my daughter surgery was 100% successful please if you must contact any company in references in securing a loan without collateral no credit check with just 2% interest rate please contact Mrs shelter Iweala loan company on her email address (mrshelterloanfirm@hotmail.com) or whatsapp number (+2348135431671) she doesn't no know that i am doing this and i pray God favor her more.

    ReplyDelete
  73. Good Day: to whom it may concern,

    I am Lori McKissick From Ohio U.S.A, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who has transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $6,400 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr. Teddy Jones who is the Financial Controller/Operation Manager of TIMRAY FINANCIAL SERVICES So i applied for a loan sum of (120,000.00USD) with low interest rate of 3% only. The loan was approved easily without stress and all the preparations were made concerning the loan transfer and in less than two(2) days the loan was deposited into my Bank Account so i want to advice any one in need of a loan to quickly contact TIMRAY FINANCIAL SERVICES via {Email: timrayfinacials@gmail.com}. He does not know I'm doing this, I pray that God will bless him for the good thing he has done in my life and that of my entire family.

    Direct Contact Email: timrayfinacials@gmail.com

    ReplyDelete