Credit Human

Credit Human is a federal credit union serving members across the United States. They are a not-for-profit, member-owned financial cooperative committed to helping members create and maintain financial slack. They offer various loan programs, including manufactured housing lending solutions and solar loans, as part of their broader commitment to sustainable living.

Credit Human Toolkit:

A payment factor is a decimal used to estimate monthly loan payments based on the loan amount. It combines the interest rate and loan term into a single number. To calculate the monthly payment, multiply the loan amount by the payment factor. For example, a payment factor of 0.0089 on a $25,000 loan equals a $212.50 monthly payment. It’s a quick way to estimate payments without using a full amortization schedule.

Term	APR	Dealer Fee	No Payment Window	Payment Factor	Notes:
20 Year	8.99%	0%	6 months	.0095
20 Year	8.99%	0%	45 Days	.0091

Submit all change order requests via email to shunderwriting@credithuman.com. Allow 24 hours for processing.

Credit approvals expire 180 days from the date of approval. Work to complete jobs within that window.

If an extension is needed beyond 180 days, send the request to SHUnderwriting@credithuman.com. Credit Human reviews each request for approval.

If approved, the customer must authorize the extension, a new credit pull is required, and updated interest rates may apply.

Credit Human no longer finances loans for manufactured homes under current loan products. Factor this into project planning going forward.

Remind customers to expect a call from Credit Human's onboarding team at the time of funding to walk through their loan details. A quick heads-up helps the funding process go smoothly.