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This program insures mortgage loans made by private lending institutions to finance the purchase of a new or used manufactured home.

You can apply for cover under this loan payment protection insurance policy if on the start date...

By submitting this application you agree that our partners and any lenders to whom our partners may submit your application for a loan may make or obtain enquiries, searches and references about you from any person including any credit reference agency (which will keep a record of any search made) at any time prior to the making of the loan or whilst monies are owing under it.

Make a note of the date you called and who you spoke to (just in case they deny what you were told, which sadly seems an increasingly common practice)...

FHA insures private lenders against the risk of default for up to 90 percent of any single loan. The annual premium for this insurance is $1 per $100 of the amount advanced; although this fee may be charged to the borrower separately, it is sometimes covered by a higher interest charge.

Many UK lenders offer loan insurance or Payment Protection Insurance (PPI) when you take out a loan. The reality is that many loan insurance policies are not worth the paper they are written on.

The cost is defined per £100 of your monthly repayment e.g. £5 per £100 means if your loan repayment is £200 per month, the PPI will cost you £10. Most standard PPI policies cost £10-£30 per £100...

There are a few variations on the theme with PPI providers, and two basic choices you need to make when choosing which one is right for you...

If you borrow £10,000 over 5 years from the AA at a low 6% rate, it'll cost just under £195 a month, but with PPI it'd be just over £260, meaning the insurance adds £65 a month or £3,900 over the life of the loan...