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In 1997, total revenues reached $6.85 billion, a significant increase over the previous year. A year after Green Tree needed an additional investment of $1B. To complement that holding company's subsidiaries, Security National of Indiana was established to develop and market new life insurance products and services. When viewing a listing, consider the state advertising restrictions to which lawyers and law firms must adhere, as well as our FindLaw.com Legal Directory disclaimer. as follows: FIRST: The name and jurisdiction of formation of each limited liability company to be merged (collectively, the You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. VRM Mortgage Services Promotes Leigh Gibson to VP of Strategic Initiatives, Dean Kelker: Appraisal Modernization is Starting to Gain Momentum, Case-Shiller: U.S. Home Prices Fell 0.3 Percent in December, California Court of Appeals Invalidates Default Interest Provision, How Mortgage Servicers Can Navigate Rising ARMs Successfully, Finding Growth with Loan Product Innovation, How Lenders Can Capitalize on a Resurgent Market for HELOCs, How Lenders Can Utilize CRM to Grow Sales, Distressed Mortgages Remain Small Portion of Servicers Portfolios, Rate of Zombie Foreclosures Not Too Scary at the Moment. Visit Website. All rights reserved. In furtherance, and not in limitation of the powers conferred by statute, the board of directors is expressly authorized to make, amend, Finally, we can read about how these great companies came about with Company Histories.. After all, a payback journey thats good for your credit is really what matters. The Green Tree Financial website is fully mobile optimised so you can manage your application process from anywhere. Business Profile for Green Tree Financial Corporation. Choosing Green Tree Financial means your loan application will be seen by more direct lenders to improve your success rate and loans you need. Green Tree Servicing and Ditech Mortgage Corp. - merge, become ditech, a Walter company Green Tree Servicing - close . Customer Service (888)286-6700 Gas Emergency (866)322-8667 Atmos Energy is the largest natural-gas-only distributor. Green Tree Financial Corporation. The companies were Consolidated Marketing Group, Inter-State Service, Inc., and TLC National Marketing Company, which sold products door-to-door. In order to continue acquiring new companies, Hilbert knew that he would have to find a new source of funding that was not linked to debt-burdened Conseco. HMDA Reporting Code Type of Purchaser - Code 7, Life Insurance Company, Credit Union, Mortgage Bank, or Finance Company . In 1992, just ten years after starting his business, Hilbert was one of the highest paid executives in the United States. ', As detractors waited for Conseco's money machine to disintegrate in the early 1990s, Hilbert clung to his original guiding principles. IN WITNESS WHEREOF, the undersigned, the Secretary of Green Tree Financial Servicing 112 3008. . 'After I made $19,000 my first year as a 19-year-old, I knew I didn't need a college education to make a good living.'. Green Tree Financial has acquired 0 companies of its own. the Delaware General Corporation Law. Greentree-Financial.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. The company was intended to serve as the primary vehicle for new life insurance acquisitions. Hilbert's company acquired Consolidated National Life Insurance Co. in August 1983. Green Tree Servicing (now Ditech Financial LLC) | 5,457 followers on LinkedIn. Get Directions. The So our focus isnt on pushing products on you, but helping you improve your options right now and make good money choices going forward. Textron has acquired 49 companies, including 1 in the last 5 years. The St. Paul company has agreed to pay about $23 million to buy the servicing rights on $914 . To form a corporation pursuant to the Delaware General Corporation Law, the undersigned hereby certifies as All I can say is, I'm buying more.' See BBB rating, reviews, complaints, & more. Continued Expansion and Growth Through Acquisitions: Mid- to Late 1990s. Just as he had done to sell encyclopedias in the mid-1960s, Hilbert started knocking on doors in the late 1970s. St. James Press, 2000. Rapid City, SD 57703-4719. In the event of non-payment, additional charges may be applied. The address of its registered office in the State of Delaware is 1209 Orange Street, City of Wilmington, County of New Castle, (The time it takes for your money to be transferred to your account can vary and will depend on your direct lenders or banks policies and procedures). In fact, in October 1993 Hilbert formed Conseco Entertainment Inc., a holding company for Conseco's future entertainment investments. Get the funds you need without leaving the comfort of your own home from online. 19 Apr 1995. The This was the period when home loan business was started growing in US & Other Markets. In May 1994, CCP II made the first in a series of expected acquisitions when it agreed to purchase Statesman Group, Inc. for $350 million. Required fields are marked *, Are you a human or a robot? Because Conseco's performance contrasted so sharply with that of most of its competitors in the early 1990s, many analysts were skeptical. Whether you are interested in a new home, remodeling or refinancing your current home, or consolidating your credit card debt, we will work . Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice. It quickly moved Lincoln's headquarters from Memphis to Conseco's burgeoning offices in Carmel, Indiana. 2004) case opinion from the U.S. Court of Appeals for the Eighth Circuit DT Holdings, Ditech's parent company, is a subsidiary of Walter Investment Management. Green Tree deal was much larger than Consecos previous deals. -Conseco Finance Servicing Corp.-GE Capital Consumer Card Co-GE Capital Retail Bank . All credit types accepted but loan approval or reject are up to your personal information. Don't believe that rhetoric crap about foreclosing after 30 day. 1 Feb 1995. After nearly two years since its last acquisition, Hilbert raised $68 million in June 1989 to purchase National Fidelity Life Insurance Co. Most likely they will turn to any of the three major credit bureaus (Transunion, Experian, and Equifax) that is in most cases considered a hard inquiry and may affect your credit score. The total number of shares of stock which this corporation is authorized to issue is 1,000 shares, with no par value, all of which shares are Over the next two years Conseco continued to gobble up insurance companies--it acquired eight in 1996 and 1997. This at least explains the immediate 20% drop, My observation about the deal on the basis of above mentioned information is given below-. Constituent Entities) are as follows: SECOND: An Agreement and Plan of Merger, dated as of November20, 2012 (the Merger In 1998 Conseco diversified and moved into finance and lending by acquiring Green Tree Financial Corporation, the nation's leading lender of mobile home loans. From Business: Call for Customer Service or Gas Emergency. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. Conseco Finance Servicing Corp. filed as a Foreign For-Profit Corporation in the State of Texas and is no longer active.This corporate entity was filed approximately twenty-eight years ago on Friday, December 9, 1994 , according to public records filed with Texas Secretary of State.It is important to note that this is a foreign filing. Entering 1992, the company was valued at over $800 million. Be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents. At the end of 1996 Conseco made two more acquisitions--American Travellers Corp. for $880 million and Transport Holdings, Inc., for $228 million. Regardless, Greentree-Financial.coms service is always free to you. The name of its registered agent at such address is The Corporation Trust Company. If the offer suits your needs and desires, and you agree with all the terms simply e-sign the deal and get ready to enjoy the money! Green Tree offers . All credit types accepted. Loan fees and interest rates are determined solely by the lender or lending partner based on the lenders or lending partners internal policies, underwriting criteria and applicable law. If the Delaware General Corporation Law is hereafter amended to authorize any further limitation of the liability of a director, then the The company's stock decline also led to a deficit of collateral on company-guaranteed loans used by Conseco executives to purchase Conseco stock. Conseco's market cap before the deal was $7B. IN WITNESS WHEREOF, Green Tree Servicing Corp. has When savings aren't enough, Green Tree Financial supports you through life events. By 1989, Conseco's assets were valued at $5.2 billion. Hilbert's strategy seemed relatively simple to most observers: purchase troubled insurance companies with potential and increase their value by turning them around. Conseco Finance Corp. will be split up and sold for a total of about $1 billion. FIFTH: The Merger Agreement is on file at the place of THIRD: The name of the surviving limited liability company is Green Tree Servicing LLC. In contrast to CCP, the new partnership was designed to focus on the acquisition and improvement of larger companies valued at $350 million to $1.5 billion. We do not charge a fee for our service and we wont perform a credit check - so you can apply online with confidence. The company also acquired additional shares of Bankers Life Holding Corp., a holding company for Bankers Life and Casualty, upping its stake to 81 percent in 1995. designated common stock. 1992: Company establishes Conseco Capital Management, Inc. 1998: Conseco acquires Green Tree Financial Corporation and expands into the financial services sector. The merger is expected take place on Aug. 31. PitchBooks non-financial metrics help you gauge a companys traction and growth using web presence and social reach. CCM provided a variety of financial and investment advisory services on a fee basis to both affiliated and nonaffiliated insurers. Life of Loan Flood Certification Green Tree Servicing only accepts LOL certs; non-LOL flood . It moved the balance of the operations from its largest purchase, Bankers National, to its ballooning Carmel headquarters. Consent to Use of Name. He was raised in a small rural community near Terre Haute, Indiana, and attended nearby Indiana State University. Greentree-Financial.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Although some critics derided his benefits package and called it exorbitant, Hilbert was quick to point out that his compensation was tied to the company's performance. Case Interview Questions #00023: Your client Conseco Inc. (NYSE: CNO) is a large financial services company based in Carmel, Indiana. Win whats next. You also authorize Greentree-Financial.com to share your information and credit history with a network of approved lenders and lending partners. Annual Renewal. In some cases, you may be given the option of obtaining a loan from a tribal lender. Therefore, in 1990 Hilbert organized Conseco Capital Partners (CCP), a limited partnership that included several well-financed companies. IN WITNESS WHEREOF, the As a diversified mortgage operation consolidated under one name, we will be well positioned to take advantage of sector opportunities and leverage our core capabilities to provide high-quality service to our consumers and clients and deliver value to our shareholders.. It is your responsibility to peruse the loan agreement carefully and accept the offer only if you agree to all the terms. Save my name, email, and website in this browser cookies for the next time I comment. Our goal is to make the loan process simple for those who need it. Once you submit your request, get your offer, and e-sign it, youll be able to get the funds to your bank account in no time! Green Tree Financial believe that you dont have to borrow to build credit and financial know-how. Once youre approved, you can have your money as soon as today or next business day. The loans, owned by Freddie Mac, had a total principal balance of approximately $9.6 billion. Throughout the 1980s Wall Street perceived Conseco as young and inexperienced. However, if you have a valid check that has not expired, please . Questions persisted, and in late 1999 Conseco announced plans to pare debt and slow growth. Green Tree Financial Servicing Corporation, a Delaware corporation, hereby certifies that on December21,1994, the board of directors of Green Tree Financial Servicing Corporation duly adopted by written action the resolution attached hereto as Stipulated Order for Permanent Injunction and Monetary Judgment (464.87 KB) PRESS RELEASE: National Mortgage Servicing Company Will Pay $63 Million to Settle FTC, CFPB Charges . Greentree Financial Group, Inc. 19720 Jetton Road, 3rd Floor Penthouse Cornelius, NC 28031 (704) 892-8733 Office (704) 892-6487 Fax mikebongiovanni@gtfinancial.com. Green Tree Financial Corporation is the only company in the United States to specialize in manufactured home loans. 'You have to ask the question, `Have they found a new way to make white bread? CERTIFICATE OF CONVERSION, Pursuant to the requirements of the Order, The estate is no longer able to further process the return of any unclaimed borrower funds. 'This (criticism) goes back to instinct and gut feeling, and no hard facts,' said money manager Martin Lizt in a January 1993 issue of Financial World. fiduciary duty as a director; provided, however, that this article shall not eliminate or limit the liability of a director (a)for any breach of the directors duty of loyalty to the corporation or its stockholders; (b)for acts or Regardless, Greentree-Financial.coms service is always free to you. Even if you dont have a great credit score, we may still be able to find you a loan through one of our specialist partners. Fast online application. Privacy Policy. Find the resources you need to understand how consumer protection law impacts your business. Please Read Carefully. By selecting Greentree Mortgage Company, LP, you have chosen a lender who understands your needs, and is committed to improving your financial future. It also moved much of its Lincoln subsidiary from Kentucky. CCP's first acquisition was Great American Reserve Insurance Co. for $135 million. IN WITNESS WHEREOF, the undersigned has executed this Certificate of Conversion as of the date first above written. Please be aware that missing a payment or making a late payment can negatively impact your credit score. Updated Mar 5, 2003, 12:54pm CST. Typically, APRs for personal loans range from 4.99% to 450%, APRs for cash advance loans vary from 200% to 1386%, and APRs for installment loans range from 6.63% to 225%. Although several regional securities firms laughed Hilbert and his five-page business plan back into the street, by the early 1980s he had raised $3 million in capital. This website is not an offer to lend. I still have not received any service on the subject and was . In some cases, you may be given the option of obtaining a loan from a tribal lender. (any)-ATV, off-road vehicle . Green Tree Financial Corporation Overview. Similarly, an investment in a restaurant chain that featured buckets of spaghetti fizzled. Loan losses at Green Tree, in addition to other missteps, drove Conseco to file for bankruptcy in 2002. Servicing Corporation, all outstanding shares of each class and series of stock of the Merging Subsidiaries shall be canceled on January1,1995, and no shares of Green Tree Financial Servicing Corporation shall be issued in lieu thereof. During the years 1983 1998 Conseco was a great performer and lead the S&P 500. Delaware General Corporation Law, and that such Resolutions have not been subsequently modified or rescinded: BE IT RESOLVED, that Pursuant to Section253 of the Delaware General Corporation Law, the undersigned, the Assistant Secretary of The process is super fast and simple. 1. If you are connected to a tribal lender, please understand that the tribal lenders rates and fees may be higher than state-licensed lenders. Our online loans service can give your finances a little flexibility. Conseco subsequently severed its relationship with Merrill Lynch, which had handled Conseco's initial public offering. Last month, HousingWire reported that Green Tree's days were numbered, after Green Tree's parent company, Walter . Pursuant to Title 6, Section18-209 of the Delaware Limited Liability Act, the undersigned limited liability company executed the following Certificate The suit alleged that the company's stock was artificially inflated due to questionable accounting practices on the part of the company's former officials. caused this consent to be executed by its President this 6th day of June, 2003. The .gov means its official. Youre viewing 3 of 5 executive team members. September 2, 2015, 6:05 pm By Ben Lane. In 1998 Conseco hoped to continue its growth and strong financial performance. To help achieve this objective, Conseco formed a new limited partnership in early 1994, Conseco Capital Partners II, L.P. CCP II included 36 limited partners who had a combined investment potential of $5 billion to $7 billion. Green Tree is one of the largest mortgage servicers in the United States, helping thousands of borrowers and homeowners manage their assets and accounts. Green Tree was best known, however, as the leading U.S. lender for mobile home purchases. Although it increased the value of its holdings to more than $4 billion in 1988, Conseco was able to reduce its workforce by almost ten percent. In 1992, Conseco founded Conseco Capital Management, Inc. (CCM) to capitalize on its investment expertise. Importantly, the company had eliminated much of its debt burden by 1994. A total of 5 acquisitions came from private equity firms.It has also divested 16 assets.. Textron's largest acquisition to date was in 2013, when it acquired Beechcraft for $1.4B.It's largest disclosed sale occurred in 1999, when it sold Avco Financial Services to Associates First Capital for $3.9B. A total of 1 acquisition came from private equity firms.. CNO Financial Group's largest acquisition to date was in 1998, when it acquired Green Tree Financial for $6.4B. (800) 643-0202. Search the Legal Library instead. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where Greentree-Financial.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. A national mortgage servicing company will pay $63 million to resolve Federal Trade Commission and Consumer Financial Protection Bureau charges that it harmed homeowners with illegal loan servicing and debt collection practices.. Price Paid Before the deal share price of Conseco & Green Tree was $ 58 & $ 29 respectively and it is mentioned that Green Tree requires $ 1B in the next years, it shows that either condition of Green Tree is poor or there is huge growth opportunities in home finance market. When you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. Industry Coverage: Financial Services; Insurance: Life & Health. acts and things whatsoever, whether within or without the State of Delaware, which may be necessary or proper to effect said merger. I, JEFFREY W. BULLOCK, SECRETARY OF STATE OF THE STATE OF DELAWARE, DO HEREBY CERTIFY THE ATTACHED ARE TRUE In 1982, Hilbert acquired his first life insurance company, Executive Income Life Insurance Co., for $1.3 million. In September the company entered into a $344 million partnership with American Life Holdings, Inc., which included subsidiaries American Life and Casualty and Vulcan Life. The company's net income increased 46 percent in 1992 to $170 million, and 75 percent in 1993 to $297 million. Rapid Growth: Mid-1980s Through the Early 1990s. From an encyclopedia salesman in eastern Indiana, Hilbert had successfully boosted his status to that of corporate multimillionaire. How would you go about analyzing the case? Greentree-financial.com itself isnt involved in debt collection. 2023 greentree-financial.com All rights reserved. The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. If another company can offer a solution you feel better about, you should take it. Harassment. Security National Corp. was formed to acquire and manage existing life insurance companies. Not only did Conseco launch a major advertising campaign pushing the company as the 'Wal-Mart of financial services,' but it also sponsored the Indiana Pacers basketball team and the Conseco Fieldhouse, an 18,500-seat facility that opened in late 1999. A $12.5 million settlement has been reached and is pending approval in the class action lawsuit filed against Green Tree Financial Corp., formerly Conseco Finance Corp., by shareholders. American Travellers offered long term care insurance, and Transport provided cancer insurance. Conseco buying Green Tree. Louisiana, Green Tree Financial Corp. Mississippi, Green Tree Financial Corp. North Carolina, Green Tree Financial Corp. Ohio (the Merging Subsidiaries), all Delaware corporations and, as of To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. .27 KB) File. Greentree-Financial.com has no knowledge of or control over the loan terms offered by a lender and lending partner. 33. Almost everything can be completed online - from completing your application to signing your credit agreement. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. NEW YORK (CNNfn) - In a further sign of financial firm . The original CCP partnership was changed to CCP Insurance, Inc., in 1993, and began acting as a holding company for its three subsidiaries. After working for a small company for a few years, he got a taste of the corporate world at Aetna. By answering a few simple questions about yourself, and selecting the amount of money you would like to borrow. All rights reserved. omissions not in good faith or which involve intentional misconduct or a knowing violation of law; (c)for the unlawful payment of dividends or unlawful stock repurchases under Section174 of the Delaware General Corporation Law; or This article shall not eliminate or limit the liability of a director for any act or omission occurring prior to the effective date of this article. Conseco Loan Finance Company is engaged in the business of financing the purchase of manufactured homes. Accordingly, we reverse and remand for entry of an involuntary dismissal. Federal Trade Commission and Consumer Financial Protection Bureau, Plaintiffs v. Green Tree Servicing LLC, Defendant. executed and filed by the undersigned, as an authorized person, to form a limited liability company under the Delaware Limited Liability Company Act (6 Del.C. It takes minutes to see results and enjoy your cash with a bright day. Multi Location Business. SERVICING CORPORATION. Company, LLC. The undersigned being all of the directors of Green Tree Financial Servicing Corporation (the Corporation), a Delaware 5. The undersigned, Brian F. Corey, Corporate Secretary of Green Tree Financial Servicing Corporation, a Delaware Corporation (the "Corporation"), hereby certifies that the following Resolutions were duly approved by Written Action of the Sole Stockholder and Board of Directors of the Corporation dated September 15,1999, pursuant to Section . As Conseco increased its value and expanded its asset base, suspicions about its performance began to wane in 1993 and 1994. Strength in numbers! You were hired by the CEO of Conseco to explain this dramatic drop in the share price and to suggest a course of action. No lines, no paperwork and within minutes, you can request a loan from the comfort of your own home through Green Tree Financial. When you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe according to the specific schedule outlined in the documents. I had a property that was destroyed in the Dec. 26th Tornado and the Safeco Insurance totaled it. Florida Office R. Chris Cottone Greentree Financial Group, Inc. 1000 S. Pine Island Road, Suite 210 Plantation, FL 33324 (954) 424-2345 Office (954) 424-2230 Fax chriscottone . GREEN TREE CREDIT CORP. NEW HAMPSHIRE FOREIGN PROFIT CORPORATION: WRITE REVIEW: Address: 5795 Widewaters Pkwy Po Box 514 Syracuse, NY 13214: Registered Agent: C T Corporation System: Filing Date: August 11, 1983: File Number: 73111: Contact Us About The Company Profile For Green Tree Credit Corp. By the way this is a 30 day payoff. FURTHER RESOLVED, that the Amendment to the Certificate of Incorporation stated above has been adopted pursuant to Section242 of Conseco, Inc. provides insurance, investment, and lending services to more than 12 million customers. Greentree-Financial.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Today, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) ordered Green Tree Servicing to pay $48 million in borrower restitution along with a $15 million fine to the CFPB's Civil Penalty Fund. Our mission is protecting consumers and competition by preventing anticompetitive, deceptive, and unfair business practices through law enforcement, advocacy, and education without unduly burdening legitimate business activity. He received $8.8 million in pay and exercised stock options worth almost $30 million. As such, it captured over 25 percent of that business by 1993. Companies respond better when others are watching. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where Greentree-Financial.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. On August 31, 2015, Green Tree Servicing became ditech, a Walter company. Please Read Carefully. If you have any questions or clarifications, you can also reach out to Conseco Finance Servicing Corp directly at: Phone Number. 1. Additional Information: (to be given to you if asked). COMPANY, GREEN TREE SERVICING LLC. What's somewhat baffling is we haven't missed a [earnings] number. Greentree-Financial.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. FILE. Delaware 19801. Conseco's 1989 annual report boasted that it had eliminated 83 percent of the employees from one of its acquisitions. GREEN TREE SERVICING LLC specializes in: Mortgage Bankers and Loan Correspondents. AND CORRECT COPIES OF ALL DOCUMENTS ON FILE OF GREEN TREE SERVICING LLC AS RECEIVED AND FILED IN THIS OFFICE. However I think share prices fall down because the company could not convey its (Corporate Strategy) message properly to investors about their future growth prospect of combined business & how the new entity will fund $ 1b next years? Green Tree Servicing LLC, the manufactured housing lender and servicer formerly owned by Conseco Inc., continues to rebuild its operations by sifting through the wreckage of the manufactured housing market. December5, 1994. THE EFFECTIVE DATE OF THE AFORESAID CERTIFICATE OF AMENDMENT IS THE FIRST DAY OF NOVEMBER, A.D. 1999. November 08, 2005, 2:00 a.m. EST 3 Min Read. follows: The name of this corporation is Green Tree Financial Servicing Corporation. FOURTH: The merger is to become effective on 01/01/2012. I received the checks with in 2 weeks. See Corrigan v. Bank of Am., N.A., 189 So. OCLOCK P.M. Green Tree Financial Corporation is the only company in the United States to specialize in manufactured home loans. Green Tree Financial is an online marketplace where a lender can give you a decision instantly for the loans you need. Green Tree Financial share price before the deal was $29. Although Conseco's rise was impressive, rampant acquisition and expansion had a downside for the holding company. I ask them to send my two separate checks, one for the mortgage payoff and other for a 1033 Tax Deferred Exchange. The Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) took action against Green Tree Servicing, LLC, for mistreating mortgage borrowers who were trying to save their homes from foreclosure. You also authorize Greentree-Financial.com to share your information and credit history with a network of approved lenders and lending partners. The company focuses on servicing a portfolio of manufactured housing loans, as well as home equity, home improvement, and consumer installment loans. Before sharing sensitive information, make sure youre on a federal government site.