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can you get a 30-year loan for a manufactured home?

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.

sonja.k.racine's picture
sonja.k.racine | Joined: October 24, 2007 10:28 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

There will be other things to consider like your total debt ratio, income etc., however you can refinance to a 30 yr fixed FHA which will most likely give you the best rate with 85% of the equity available. Conventional is a little more strict limited to 20 yr note and 65% loan to valueand rates are usually highert. Be happy to answer more questions if you have them.

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