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can we refinance our 2003 mobile home?

by bjlboo_308_724 from Gainesville, Florida. May 8th 2013 Reply


William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,726 contributions

If your home is architecturally attached to real property, and a certificate has been filed with your county, then yes.. I'm not aware of any lender that will refinance a MH that's in a park.. there are lenders out there that will refinance a MH on land... The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

May 8th 2013
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Jason Gonzalez (purchaseflorida)
#192 ranked lender in Florida - 27 contributions

We'd need a little more info of course, but the fact that it is a mobile home built in 2003 would be no issue at all. Best of luck to you and please let us know if we can be of any service.

May 8th 2013
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Ken Burrows (mortgagesforamerica)
#19 ranked lender in Nevada - 572 contributions

We finance Manufactured homes if that is what you are referring to? If so go ahead and contact me at P: 888-320-7888 - Ken@MortgagesforAmerica.org - Ken Burrows

May 8th 2013
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Dave Metsker (DaveMetsker)
#37 ranked lender in Oregon - 2,317 contributions

Double-wide mobile homes on land may be refinanced through FHA.

May 8th 2013
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Charlie Sparks (CharlieSparks)
#9 ranked lender in New Mexico - 398 contributions

Shouldn't be a problem if it's taxed as real property, you own the land it is on and you credit/income/assets are acceptable. Speak with one of the Lender411 professionals that is licensed in FL and preferably local to you.

May 8th 2013
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Carlo Sanchez (MortgageLendingPro)
#0 ranked lender in Utah - 1,163 contributions

Yes it is possible. Contact a Lender411 loan officer.

May 8th 2013
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,944 contributions

You can sure try! Contact a local licensed Florida lender, or one of the ones who have responded to you here to get started.

May 8th 2013
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Steven Cook (stcookmortgage@gmail.com)
#38 ranked lender in Washington - 256 contributions

Just checked the Lender 411 lender list as well as the National Mortgage Lending Registry, and did not find anyone working for a local mortgage broker, you may want to check in the Jacksonville area. Many licensed mortgage brokers can do nearly everything by phone and over the internet. There are only a few lenders who do Manufactured Homes, but most good licensed mortgage brokers should be able to do so for you.

May 8th 2013
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Raymond Denton (Raymond)
#10 ranked lender in Ohio - 224 contributions

Sure ... why not? There are qualifying parameters, but "yes", homeowners are able to refinance a 2003 manufactured home.

May 9th 2013
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