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Mortgage Refinance - Home Refinance Loans - Home Mortgage Loans - FHA Home Loan Refinance - FHA Loan Refinance - Mortgage FHA Loans - FHA
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Home Loan Mortgage Refinance - Equity Home Loan Mortgage Refinance
1. Manufactured, Modular and Mobile Homes (Chattel Loans)
Financing or refinancing the home only without land attached by way of deed or mortgage.  Chattel is a term used for personal
property, such as a vehicle, RV or boat.  Excellent rates for Purchase, Refinance (with or without cash out), & Home Equity Loans.
2. Manufactured, Modular and Mobile Homes WITH LAND (real property)
Single wide, double wide and triiple wide homes are considered real property just like a stick built home.
The homes must be affixed to a permanent approved foundation, and the home and land are tied by
deed and/or mortgage.  Such homes qualify for , FHA,VA and Reverse Mortgages for Seniors.
3. Conventional Mortgages
Conventional loans are traditionally defined as either fixed rate or adjustable rate offered with terms from
7-years to 40-years.  Conventional loans are driven by higher credit scores and equity in the home, and
they typically do not apply for loan amounts above $416,000.  No private mortgage insurance.
4. FHA loans for Purchasing or Refinancing
FHA loans are designed for low to moderate income borrowers who are unable to make a large down payment.
FHA loan limits vary based on the state and county in which the property is located.  Down payment required is 3.5%.  
Refinance with no cash out up to 97.75% or with cashout up to 85% of your home's appraised value Single wide,
double wide or triple wide manufactured homes and land loan packages qualify if the home is on a FHA approved foundation.
5. Streamline Refinancing for existing FHA or VA Loans
ALL HOUSING TYPES -- There is a little known refinance program available these days called a Streamline Refinance and
it is gaining popularity.  No Appraisal, No Out Of Pocket Expense, No Income Verification, No Employment Verification.
The nice part of a Streamline Refinance is that you could need very little documentation to qualify. In fact, it is a much
easier process to experience than when you purchased our home. However, you cannot cash out any of your home equity.
6. Jumbo Loans versus Conforming Loans
Jumbo Loans are different from normal conforming loans basically because of the loan amount. Due to the higher amount (more than
$417,000 depending on the state), they are considered a different risk factor and are bought and sold in a different category. Qualifying
for jumbo loans is usually a little different but sometimes even easier depending  on the credentials of the borrower(s).  Some lenders
charge more interest for a jumbo loan, but we do not.  In fact, we can usually get you a lower interest rate than a conforming loan for
purchase or refinance.  The benefit to you is alower monthly payment than with a conforming loan.
7. VA Jumbo Loan
Qualifying customers can now apply for a VA Jumbo Loan up to $1,000,000. You can apply for a home loan with no money down under
new VA Loans Maximum Guaranty Amount guidelines:  No money down for qualified borrowers for home loans up to a maximum of
$417,000 or the higher limits for certain counties, the VA guarantees  the loan up to a maximum guaranty amount of 25% of the loan,
but manufactured homes are excluded from this program.
8. USDA Rural Development Home Purchase Loans
0% down payment, no PMI.  Your loan officer can help you determine if the home you wish to purchase lies in a designated rural area.  
Often these areas are in larger population fringe areas. Step-by-step assistance is needed to take advantage of this excellent 100%
financing for home purchases.  There are two types, the first is intended for higher income individuals and families, the second for low
income persons--perfect for a single mom with her children.  In any case, you may not presently own a home.
9. Reverse Mortgage for Seniors
If you're approaching retirement and want to unlock the equity in your home, but don't want to have to rely upon loan payments that
may dilute your lifestyle, then you should consider a reverse mortgage. With a reverse mortgage you can get a monthly or lump
sum payment as a function of your home value, which is repaid only after you leave the home. Depending on your situation, there
may be many benefits to choosing a reverse mortgage. Under the right conditions, a reverse mortgage may be the right decision for you.
10. Home Equity Line of Credit
Home Equity Line of Credit or HELOC is a revolving credit line which comes with an adjustable interest rate. The main difference
between a HELOC and the home equity loan is that the home equity loan has a fixed interest rate.   
Top 10 Mortgages Explained!
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Home Mortgage Equity Loans
Cash out your equity now for debt
consolidation, home improvements,
paying off debts or anything else you
want with your home's equity
Home Purchase Mortgage Loans
Find the perfect purchase mortgage
loan. Select from fixed or adjustable
rates. Get pre-qualified for free and
find out how much you can afford
Home Mortgage Refinance Loans
Rates are the lowest they've been in
close to 30 years. Refinance now to
get a lower rate, turn your adjustable
into a fixed rate and get cash out
All Housing Types Welcome...Single Family Homes, Townhomes, Condos,
Manufactured, Modular and Mobile Home Loans With or Without Land
Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, Florida FL Georgia GA,
Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA,
Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ,
New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA,
Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA,
West Virginia WV, Wisconsin WI, Wyoming WY,   Loans Lender Home Financing and Refinancing Mobile, Manufactured, Modular Homes