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| Our polite, professional and efficient staff has decades of experience providing home financing and home refinancing loan options to many thousands of satisfied customers with superior service second to none. We specialize in options for mobile home refinancing, mobile home loans, mobile home financing and manufactured home lenders products specifically for manufactured housing lending nationwide. Your request gains access to mobile home purchase loans and mobile home refinance loans at real savings. Once you've found or already own the perfect home, you need the perfect financing or refinancing. Let us find the best loan for you! FHA Loans - Home on land Refinancing and Purchase Programs - 50 States |
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| Lower Your Payment Shorten Your Term Fixed Rates Only No Variables or Step Ups Remove a Co-Borrower No Prepayment Penalty Home Only or On Land |
| All-Time Low Mortgage Rates: Time To Refinance? It may seem like there is no end in sight to new record-low interest rates with the interest rates we've been experiencing for the last year or so. Recently, Freddie Mac's Primary Mortgage Market Survey, which provides a snapshot of national average mortgage rates, reported a national average rate of 4.56% with 0.7 points on a 30-year fixed-rate mortgage. At the same time last year, the rate was 5.2% with 0.7 points. So, you might be asking yourself, is it time to refinance? Facts to Consider Your Breakeven Period Your breakeven period is one of the most important considerations in a refinance. To determine your breakeven period, you need to look at the monthly savings you'll create by refinancing and the total cost to refinance your loan. Let's say that by refinancing, you'll save $200 a month, and that the cost to refinance is $4,800. To determine your breakeven period, divide your refinance cost by your monthly savings. In this example, the breakeven period would be 24 months, or two years. If you plan to stay in your house for longer than the breakeven period, refinancing might make sense. Now, if you're only planning to stay there for 26 months, will that $400 you save be worth the time and hassle of going through the refinancing process? That's a personal choice. But if you're planning to stay in the house for another 10 years, the refinance would save you $2,400 a year for eight years, or $19,200 (less the cost of the refinance). Our seasoned mortgage specialists can guide you through the refinance process seamlessly and painlessly, we promise. So, considering the facts here, we'll help you analyze your particular financial goals and look at all options available. Lower your monthly bills with mortgage refinance loans, debt consolidation loans, and home equity loans. |
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