I have a double wide manufactured home built in 2006 on a finished basement on 20 acres worth app. 245,000. I want to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] my 10-year balloon mortgage to a 30-year fixed rate and combine a [url=http://www.mortgagefit.com/second-mortgage.html]second mortgage[/url]. Is this possible? My first mortgage is $165,784.00 at 4.9%. My second is actually a HELOC of 28,000 and I wanted to consolidate a signature loan of 8,000 at 13% also. Can I get a consolidation loan like this for a decent rate? My credit score is 690 and my husbands is 680.