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What a good bank/mortgage company to refinance a mobile home through?

I have a double wide that appraise around $35-40K but looking to finance 15K to pay the $10K loan through relatives and then the other $6K to remodel and pay off some medical bills. Our regular banks only finance permanant homes. Since we don't own the land it's a no go. Unsecured loans they no longer do. The credit unions do them but basically want us as a member for 1-2 years first.

Does anyone know a bank/mortgage company that is good? We have good credit score only downfall is DH took a new job after 14 years. It was an initial drop in pay but its more stable and healthier.

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Anonymous

Asked by Anonymous at 9:12 AM on May. 30, 2012 in Money & Work

Answers (7)
  • Wells Fargo does.
    Anonymous

    Answer by Anonymous at 9:14 AM on May. 30, 2012

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  • Edit, Wells fargo will finance a mobile home on land. I never dealt with a mobile home without the property being owned.
    Anonymous

    Answer by Anonymous at 9:15 AM on May. 30, 2012

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  • This is what I found.. I'm not for sure if they will but I guess it wouldn't hurt to check.

    https://www.21stmortgage.com/web/21stSite.nsf/index?OpenForm
    MrsLeftlane

    Answer by MrsLeftlane at 10:50 AM on May. 30, 2012

    Credits: 45143 Level 30 1 star1 star Money & Work Minor
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  • It is hard to do without owning the land,, mobile homes don't appreciate in value, they go down,, Do you live there now? I noticed you said re-finance,, so the best bet would be to talk to whoever holds your current mortgage.
    kimigogo

    Answer by kimigogo at 11:22 AM on May. 30, 2012

    Credits: 91438 Level 37 1 star1 star Money & Work Minor
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  • I own it we paid cash for all but 10K. Our family lent it to us. I don't like owing family so I want to get a mortgage or loan on my own. Even with good credit seems like most won't do that high. We could do CC's but that is insane interest usually.


    Anonymous

    Comment by Anonymous (original poster) at 3:09 PM on May. 30, 2012

  • Hmmmmmm have you tried an online search?
    booklover545

    Answer by booklover545 at 3:58 PM on May. 30, 2012

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  • If I were you I will go to the bank that I trusted the most and have their assistance to help me refinance my mobile home. You can also search the web and find a good mortgage company with good feedbacks.
    Leader123

    Answer by Leader123 at 11:02 PM on Jun. 3, 2012

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