I live in north florida. I would like to refinance my mobile home. I work full time and so does my husband. We have our mortgage with Greentree. I would really really like to refinance with another company. We have fallen behind on our mortage due to my husband being in a work related accident. He was out of work 2 -3 months. Worker’s comp. was not much during that time.
How & what’s the best way to refinance.
You have two strikes against your goal right now.
The first is that you have recent delinquent payments. This makes you a higher risk for lenders.
The second issue is a minority of lenders specialize in mobile home financing.
Since you live in an area that has a number of mobile homes, a local mortgage broker is going to be experienced with which lenders are easier to work with. I would suggest you look on the web for nearby mortgage brokers or in your local yellow pages.
Talk to a few and then decide who you think will best be able to represent you.
Hopefully by this time you’ve been able to get your Green Tree mortgage current, if not, you’ll have to work closely with the mortgage broker you decide to go with to get yourselves in shape for a refinance.
Please post your responses and follow-up messages to me on this in the comments section below.