Long-term interest rates have been at near historic low levels for quite some time and thus, more people are looking for places to rent, making it easy to benefit from these investments. Your investment property loan may have terms that were very attractive when you first made the purchase, but due to changing market conditions may no longer be as favorable as they could be today. When interest rates fall, refinancing the mortgage on your investment property becomes very attractive because refinancing offers ways to leverage the equity in your property, lower your monthly payment and increase your cash flow.
Increase Your Cash Flow
You can drastically increase your cash flow by refinancing the mortgage on your investment property. If you've built up considerable equity in the property, you could turn that equity into cash by doing a cash-out refinance. If you refinance to a lower rate and/or increase the term of your loan, that could also lower your monthly mortgage payment and increase your cash flow even more. Using the Quicken Loans Rate and Payment Calculator can help you find out how much equity you have to borrow against and give you suggestions on what loan may work best for you.
Secure Advantage Loan - Low, adjustable rates and flexible payments each month
Upgrade Your Property and Raise the Rent
The home equity in your investment property can be used to fund improvements to your property and boost your cash flow. The great benefit of refinancing and making home improvements to your investment property is that it increases its market value, thereby allowing you to increase the amount of rent you charge to your tenants. With a Home Equity Line of Credit, you could:
* Build an addition to increase living space
* Upgrade the floors, doors, kitchen appliances and cabinetry
* Remodel the bathroom(s) with nicer fixtures
* Upgrade the furnace or central air
* Replace the roof
* Paint or re-side the house to enhance the exterior appearance
Buy An Additional Investment Property
You can use a home equity loan out of your primary residence or cash-out refinance out of your investment property to invest further in real estate. Equity in your property increases each year as the mortgage loan is paid down. Any increase in the value of the property will increase your equity in addition to the principal paid. To capitalize on that return, you can tap into that added equity, turn it into cash by refinancing and then apply it toward funding further investment properties. A Quicken Loans home loan expert can help you determine how to use a home equity loan to finance other properties.
Spend Your Money in Other Ways
The opportunity to use equity you have earned in your investment property is a major benefit of home ownership. The beauty is that you can refinance and convert the home equity into cash and then use it for whatever you choose. Making improvements to your property or purchasing additional investment properties are good examples of how refinancing can work to your advantage. The cash from your home equity can also be used to:
* Boost your retirement savings
* Invest in stocks or other markets
* Take the vacation of your dreams
* Buy a new car or boat
* Consolidate debt
* Help fund your children's college tuition
Home equity loans provide an easy source of cash and can be a valuable tool for those who invest in real estate. Using the equity in your investment property can help you increase your investment power and increase your long-term wealth. A Quicken Loans home loan expert can help you determine which refinancing options are best for you. Call us at 800-251-9080 to speak with home loan expert or fill out our short application online and a home loan expert will contact you.
http://www.quickenloans.com/refinance/articles/refinancing-investment-property.html
Wednesday, May 23, 2007
Tuesday, May 22, 2007
Handling Objections with the Option Arm
Handling Objections with the Option Arm. Nowadays, there are hundreds of Loan Officers and Mortgage people who have the Pay Option Arm at their disposal, but there are very few that actually know and understand how to sell it, the right way. I’m sure there are all kinds of people reading this right now saying “I know the right way to sell it, bla-bla-bla.” If you do, great! I give you props for doing so. BUT, there are a lot of Loan Officers that don’t know and don’t know they don’t know. Get it? I’m hoping this little article will help shed some light on what I’m talking about. Here’s what I mean; if you can handle the objections, you can sell the Option Arm. If you understand the objections, you can answer them properly. I’ll give you a brief “this is what I’m talking about” here. Almost every objection you get when presenting the POA properly will be a version of one of these:
1. I’m afraid of the rate increasing too quickly and going too high.
2. I’m afraid my payments will increase and I can’t afford them anymore.
There may be other minor ones, but let’s tackle these.
“I’m afraid of the rate increasing too quickly and going too high.” This one is simply overcome by explaining the indexes to the borrower, in a way he/she can understand! That’s the key, keeping it simple. Don’t overwhelm the borrower with fancy mortgage terms, just stay with the basics. The index is the only “moving part” of the POA. So, making the borrower feel comfortable with the index is the key to overcoming this objection. NOTE: Which ever index you decide to sell, make sure you can explain it to the average person who doesn’t understand the first thing about mortgages. I always ask myself, did you explain it in a way your Grandmother would understand it? You may be able to explain some indexes better than others, but you have to figure that out on your own.
*Tip: Have your Account Rep explain it to you until you fully understand it* Once you’re borrower is comfortable with how stable, or unstable, the index actually is, you’re ready for the next objection:
“I’m afraid my payments will increase and I can’t afford them anymore.”
Now this is the time to earn your money. You have to really understand how the payment is figured and how the increases are figured. Not just by using your calculator, but by explaining it to your borrower as well. Don’t always assume the payments are in 5 year increments. There are a few Lenders that actually have a 10 year recast, so know who they are and what their parameters are. Here’s a tip, the simpler you can make it for your borrower, the more of an “expert” you’ll become in their eyes. Just a couple of quick tips about the Pay Option Arm. Go out there and sell!
Andrew has sold and has trained other Mortgage Professionals on how to sell the Pay Option Arm. He is the author of the e-book titled The A.R.M. Factor: Guide to Understanding and Selling the Pay Option Arm. He writes a free weekly newsletter entitled "The Mortgage Mailbag". Get more details at http://www.MortgageMailbag.com
http://ezinearticles.com/?Handling-Objections-with-the-Option-Arm&id=564738
1. I’m afraid of the rate increasing too quickly and going too high.
2. I’m afraid my payments will increase and I can’t afford them anymore.
There may be other minor ones, but let’s tackle these.
“I’m afraid of the rate increasing too quickly and going too high.” This one is simply overcome by explaining the indexes to the borrower, in a way he/she can understand! That’s the key, keeping it simple. Don’t overwhelm the borrower with fancy mortgage terms, just stay with the basics. The index is the only “moving part” of the POA. So, making the borrower feel comfortable with the index is the key to overcoming this objection. NOTE: Which ever index you decide to sell, make sure you can explain it to the average person who doesn’t understand the first thing about mortgages. I always ask myself, did you explain it in a way your Grandmother would understand it? You may be able to explain some indexes better than others, but you have to figure that out on your own.
*Tip: Have your Account Rep explain it to you until you fully understand it* Once you’re borrower is comfortable with how stable, or unstable, the index actually is, you’re ready for the next objection:
“I’m afraid my payments will increase and I can’t afford them anymore.”
Now this is the time to earn your money. You have to really understand how the payment is figured and how the increases are figured. Not just by using your calculator, but by explaining it to your borrower as well. Don’t always assume the payments are in 5 year increments. There are a few Lenders that actually have a 10 year recast, so know who they are and what their parameters are. Here’s a tip, the simpler you can make it for your borrower, the more of an “expert” you’ll become in their eyes. Just a couple of quick tips about the Pay Option Arm. Go out there and sell!
Andrew has sold and has trained other Mortgage Professionals on how to sell the Pay Option Arm. He is the author of the e-book titled The A.R.M. Factor: Guide to Understanding and Selling the Pay Option Arm. He writes a free weekly newsletter entitled "The Mortgage Mailbag". Get more details at http://www.MortgageMailbag.com
http://ezinearticles.com/?Handling-Objections-with-the-Option-Arm&id=564738
What is an Assumable Mortgage?
In an assumable mortgage, a buyer is able to take over the seller’s existing loan, essentially taking the place of the seller. The loan balance remains the same and hopefully, so does the interest rate.
Types of Assumable Loans
So, what types of loans today are assumable? Many ARM’s have an assumability option, although you will have to check with your broker or lender to find out for certain. The advantages of taking out an assumable loan is seen when you’re ready to sell your home, and a qualified buyer can avoid the closing costs of obtaining a first mortgage. Also, your mortgage may carry a rate below what the market is offering, effectively increasing the value and marketability of your home. Fixed rate conventional loans are less likely to be assumable because lenders have been burned in the past having to honor a low interest rate during a time when the market interest rates are much higher. That is when mortgages started carrying “due-on-sale” clauses.
FHA and VA Loans
The majority of loans that are assumable are FHA and VA loans. Since the late 1980’s, lenders have required that the new borrower meet the lender’s qualification requirements. Previously, FHA and VA loans had been assumable by anyone. There are three levels of assumption with different sets of liabilities and obligations. They are assignment, subject to, and novation. Look for future articles here that will examine these differences more in-depth.
Fees and Rate Adjustments
Check with the lender to find out what fees or rate adjustments are required in the mortgage assumption. Depending on the terms of assuming the mortgage, it may make more sense to take out a new loan altogether. FHA charges an assumption fee of $500 and a credit report fee. VA loans charge a $255 processing fee , a $45 funding fee and the VA itself receives a funding fee of 0.5% to 1% of the loan balance.
Cash for Difference Between Loan Balance and Sale Price
Borrowers who benefit the most from assumable mortgages are those that have the cash to pay the difference between the seller’s loan balance and the agreed upon sales price. For example, you are, purchasing a $200,000 home and have 10% to put down as a down payment. The seller’s assumable mortgage balance is only $40,000, which will require to obtain a second mortgage or other type of financing for roughly $140,000. Because second mortgage rates are almost always higher than those of first mortgages, it would probably make much more sense to take out a new 80-10 piggyback loan.
Mortgage Sanity provides help and information for people about many different aspects of the mortgage process. Visit http://www.mortgagesanity.com for help with your mortgage loan.
Recommended Mortgage Lenders Online - We maintain a list of recommended mortgage companies online and update the list regularly.
http://ezinearticles.com/?What-is-an-Assumable-Mortgage?&id=566396
Types of Assumable Loans
So, what types of loans today are assumable? Many ARM’s have an assumability option, although you will have to check with your broker or lender to find out for certain. The advantages of taking out an assumable loan is seen when you’re ready to sell your home, and a qualified buyer can avoid the closing costs of obtaining a first mortgage. Also, your mortgage may carry a rate below what the market is offering, effectively increasing the value and marketability of your home. Fixed rate conventional loans are less likely to be assumable because lenders have been burned in the past having to honor a low interest rate during a time when the market interest rates are much higher. That is when mortgages started carrying “due-on-sale” clauses.
FHA and VA Loans
The majority of loans that are assumable are FHA and VA loans. Since the late 1980’s, lenders have required that the new borrower meet the lender’s qualification requirements. Previously, FHA and VA loans had been assumable by anyone. There are three levels of assumption with different sets of liabilities and obligations. They are assignment, subject to, and novation. Look for future articles here that will examine these differences more in-depth.
Fees and Rate Adjustments
Check with the lender to find out what fees or rate adjustments are required in the mortgage assumption. Depending on the terms of assuming the mortgage, it may make more sense to take out a new loan altogether. FHA charges an assumption fee of $500 and a credit report fee. VA loans charge a $255 processing fee , a $45 funding fee and the VA itself receives a funding fee of 0.5% to 1% of the loan balance.
Cash for Difference Between Loan Balance and Sale Price
Borrowers who benefit the most from assumable mortgages are those that have the cash to pay the difference between the seller’s loan balance and the agreed upon sales price. For example, you are, purchasing a $200,000 home and have 10% to put down as a down payment. The seller’s assumable mortgage balance is only $40,000, which will require to obtain a second mortgage or other type of financing for roughly $140,000. Because second mortgage rates are almost always higher than those of first mortgages, it would probably make much more sense to take out a new 80-10 piggyback loan.
Mortgage Sanity provides help and information for people about many different aspects of the mortgage process. Visit http://www.mortgagesanity.com for help with your mortgage loan.
Recommended Mortgage Lenders Online - We maintain a list of recommended mortgage companies online and update the list regularly.
http://ezinearticles.com/?What-is-an-Assumable-Mortgage?&id=566396
The Risks of Getting 100% Financing
It’s great to be able to get your dream home for no money out of your pocket, but you need to consider the risks below when deciding if doing so is a smart move for you.
No Equity
Since you will be borrowing all of what your home is worth, you will leave yourself with no equity. Because of this fact, it will be more difficult to sell your home if you decide to do so. You will also not have many refinancing options available for several few years. This lack of equity virtually guarantees that you will be saddled with your current mortgage for many years.
High Interest Rates
With 100% financing, you will almost always garner higher interest rates than on mortgage loans with considerable down payment. Higher rates, and therefore higher payments, mean that you will be taking on a greater, monthly financial burden.
Mandatory Escrow and PMI
By exceeding 80% financing, most conventional lenders will force you to create an escrow account to cover your annual real estate taxes and homeowner’s insurance. You will also be required to pay private mortgage insurance (PMI), which is an insurance policy to compensate the bank for their heightened risk on high loan-to-value mortgages. These mandatory monthly additions to your mortgage payment can increase your monthly bill by several hundred dollars, causing you extreme financial distress.
Remember that 100% financing is a great option for those with little upfront cash who want to buy a home. However, these mortgages can also limit your financial flexibility greatly. Before entering into one, you must carefully consider the risks mentioned here. Once you sign the papers, you will be committing yourself to a long term financial responsibility, especially nowadays as property appreciation has begun to slow nationwide.
Recommended Mortgage Lenders Online For 100% Financing - We maintain a list of low rate mortgage lenders and update the list frequently. Try applying with one of our recommended lenders first.
FAQ's About Mortgages After Bankruptcy- Read this article to learn some information on getting a mortgage loan after a bankruptcy.
http://ezinearticles.com/?The-Risks-of-Getting-100%-Financing&id=566386
No Equity
Since you will be borrowing all of what your home is worth, you will leave yourself with no equity. Because of this fact, it will be more difficult to sell your home if you decide to do so. You will also not have many refinancing options available for several few years. This lack of equity virtually guarantees that you will be saddled with your current mortgage for many years.
High Interest Rates
With 100% financing, you will almost always garner higher interest rates than on mortgage loans with considerable down payment. Higher rates, and therefore higher payments, mean that you will be taking on a greater, monthly financial burden.
Mandatory Escrow and PMI
By exceeding 80% financing, most conventional lenders will force you to create an escrow account to cover your annual real estate taxes and homeowner’s insurance. You will also be required to pay private mortgage insurance (PMI), which is an insurance policy to compensate the bank for their heightened risk on high loan-to-value mortgages. These mandatory monthly additions to your mortgage payment can increase your monthly bill by several hundred dollars, causing you extreme financial distress.
Remember that 100% financing is a great option for those with little upfront cash who want to buy a home. However, these mortgages can also limit your financial flexibility greatly. Before entering into one, you must carefully consider the risks mentioned here. Once you sign the papers, you will be committing yourself to a long term financial responsibility, especially nowadays as property appreciation has begun to slow nationwide.
Recommended Mortgage Lenders Online For 100% Financing - We maintain a list of low rate mortgage lenders and update the list frequently. Try applying with one of our recommended lenders first.
FAQ's About Mortgages After Bankruptcy- Read this article to learn some information on getting a mortgage loan after a bankruptcy.
http://ezinearticles.com/?The-Risks-of-Getting-100%-Financing&id=566386
Monday, May 21, 2007
Obtaining the Best Mortgage Refinance Rates
Fixed rate or Adjustable? How should I refinance? Should I wait a bit to improve my credit score or refinance right away? These and more questions are what a consumer usually thinks about when considering refinancing his or her mortgage. Fact is that it doesn't have to be too complicated all you really need to know is how much you can pay per month and find the best lender.
Fixed or Adjustable what is better?
Depending on the period you would like your refinance repayment choose the type of rate. In general Adjustable Rates are better for short term and fixed rates are better for longer periods. If you can afford paying more money per month and want to pay your mortgage over a shorter period of time work with ARM. If you don't care about the duration of the repayment but do not want to pay a lot per month, refinancing to a fixed rate mortgage will be ideal for you. A FRM tends to be more expensive but much more flexible than an Adjustable Rate Mortgage.
Improve Credit Ratings before Refinancing Your Home Loan
Here is a tip! When borrowing money from a financial institution or lender where a credit check is necessary rule of the thumb is: The higher your credit score is the better interest rates you will be quoted. Always belong to the prime market. Being labeled as bad credit doesn't only sound bad, but, will be problematic when applying for a loan. Therefore, before refinancing pay your bills on time. After a few months your credit ratings will climb and you will find yourself belonging to the prime market.
Compare Online Lenders, Quotes and Options
The internet is a great place to find information, do research and find cost efficient offers. By comparing several online lenders you will immediately get a better picture of the market. This will help you reduce the chances of getting scammed and of course help you get the best mortgage refinance rate. Find online home mortgage lenders and don't forget to do research before applying for a loan.
Get information about refinancing a mortgage and find bad credit mortgage refinance tips at our site.
http://ezinearticles.com/?Obtaining-the-Best-Mortgage-Refinance-Rates&id=569199
Fixed or Adjustable what is better?
Depending on the period you would like your refinance repayment choose the type of rate. In general Adjustable Rates are better for short term and fixed rates are better for longer periods. If you can afford paying more money per month and want to pay your mortgage over a shorter period of time work with ARM. If you don't care about the duration of the repayment but do not want to pay a lot per month, refinancing to a fixed rate mortgage will be ideal for you. A FRM tends to be more expensive but much more flexible than an Adjustable Rate Mortgage.
Improve Credit Ratings before Refinancing Your Home Loan
Here is a tip! When borrowing money from a financial institution or lender where a credit check is necessary rule of the thumb is: The higher your credit score is the better interest rates you will be quoted. Always belong to the prime market. Being labeled as bad credit doesn't only sound bad, but, will be problematic when applying for a loan. Therefore, before refinancing pay your bills on time. After a few months your credit ratings will climb and you will find yourself belonging to the prime market.
Compare Online Lenders, Quotes and Options
The internet is a great place to find information, do research and find cost efficient offers. By comparing several online lenders you will immediately get a better picture of the market. This will help you reduce the chances of getting scammed and of course help you get the best mortgage refinance rate. Find online home mortgage lenders and don't forget to do research before applying for a loan.
Get information about refinancing a mortgage and find bad credit mortgage refinance tips at our site.
http://ezinearticles.com/?Obtaining-the-Best-Mortgage-Refinance-Rates&id=569199
Poor Credit with High ARM Payments - Refinancing to a FRM
Perhaps one of the known issues with ARM is the uncertainty it carries. If the prime rate lowers then - Great! However, when the rate climbs you might wish you have obtained a fixed rate mortgage. By refinancing your mortgage to a FRM you can make that wish come true.
Refinancing May Help Reduce Debt
If you have realized that one of the main factors that worsen your debt status is your mortgage monthly payments, you might want to think to refinance a mortgage with bad credit to lower payments or lengthen the loans term. If you've obtained an Adjustable Rate Mortgage and find that payments are not stable thus making it difficult for you to calculate and plan your month a long term fixed rate mortgage is a good solution. Not only will it reduce stress but it will help improve your credit score, by making all the monthly payments on time.
Negotiating the Payments
Due to your bad credit ratings most lenders or financial institutions will quote you high rates by default. There are however, some steps you can take to lower the rates. Remember that the higher down payment that you pay, the more chances you have for a lower fixed rate mortgage. By paying a larger down payment you will have an extra negotiating tool for your closing costs. It requires consistency, but, you may manage to have your closing costs waived or lowered to a very reasonable sum.
Mortgage Lenders: Comparing and Consulting
By filling out applications and comparing quotes from different lenders you will find that you will be offered fairly competitive mortgage refinance quotes. The market is very competitive thus making lenders want your account. You may even find it useful consulting with them on what's best to do. Remember to get a few price offers so you know exactly what you are headed towards. Make sure to get mortgage refinance information before refinancing your mortgage.
Do home mortgage lenders research for the best interest rates. Find unbiased information about bad credit mortgage refinance loans.
http://ezinearticles.com/?Poor-Credit-with-High-ARM-Payments---Refinancing-to-a-FRM&id=569217
Refinancing May Help Reduce Debt
If you have realized that one of the main factors that worsen your debt status is your mortgage monthly payments, you might want to think to refinance a mortgage with bad credit to lower payments or lengthen the loans term. If you've obtained an Adjustable Rate Mortgage and find that payments are not stable thus making it difficult for you to calculate and plan your month a long term fixed rate mortgage is a good solution. Not only will it reduce stress but it will help improve your credit score, by making all the monthly payments on time.
Negotiating the Payments
Due to your bad credit ratings most lenders or financial institutions will quote you high rates by default. There are however, some steps you can take to lower the rates. Remember that the higher down payment that you pay, the more chances you have for a lower fixed rate mortgage. By paying a larger down payment you will have an extra negotiating tool for your closing costs. It requires consistency, but, you may manage to have your closing costs waived or lowered to a very reasonable sum.
Mortgage Lenders: Comparing and Consulting
By filling out applications and comparing quotes from different lenders you will find that you will be offered fairly competitive mortgage refinance quotes. The market is very competitive thus making lenders want your account. You may even find it useful consulting with them on what's best to do. Remember to get a few price offers so you know exactly what you are headed towards. Make sure to get mortgage refinance information before refinancing your mortgage.
Do home mortgage lenders research for the best interest rates. Find unbiased information about bad credit mortgage refinance loans.
http://ezinearticles.com/?Poor-Credit-with-High-ARM-Payments---Refinancing-to-a-FRM&id=569217
Refinancing A Manufactured Home - What You Really Need To Know
It is a common misconception that refinancing is only applicable to homes that are not a mobile home or manufactured home. The truth is even these types of homes are available for loan refinancing. If you are wanting to consolidate debt, would like to have a better mortgage interest rate or a more feasible loan terms, or perhaps need some money for a car or college tuition – refinancing your manufactured or mobile home may be a preferred option for you.
A manufactured home refinance is structured by you paying off your current loan and simply taking out a new loan with more favorable terms. Favorable could mean anything from a better interest rate which results in lower monthly payments or a shorter term of repayment.
It does not matter whether your mobile home is located on your own private land or if you are renting space in a mobile home park or community. Refinancing can be based upon the inclusion of land in the appraisal value or the exclusion of the same. You will need to check with your lender in the state of your residency to find out what the laws and regulations are that govern the refinancing of your mobile home.
When you refinance you will have to pay closing costs just as when you first purchased your home. Often a lender will allow you to roll the closing costs into mortgage to avoid paying them out of pocket. Keep in mind that when you roll over the closing costs into the mortgage you will be interest on those closing costs which means that in the end you will be paying more than if you just paid them up front in cash.
As with refinancing of traditional homes, you will be able to pay a fee upfront to your lender to purchase points to bring down your interest rate. Typically, one point equals a one percent reduction of the loan interest rate. So if you have a loan for $50,000 at an 8.5% interest rate and you wanted to buy points, one point would reduce your interest rate to 7.5%. If you are considering purchasing points, you need to make sure you will own the property long enough to retrieve the money you spent to purchase the interest buy-down points.
Because of the quantity of available sites and opinions, this can be a wild goose chase at times. We've made out site a comprehensive resource for you to find out what you require on refinancing your mortgage and know how valuable a one-stop resource depot can be. See below for more information on Mortgage Refinancing.
For more information on Refinancing Manufactured Homes or visit http://www.mortgagerefinancingexpert.com/Manufactured_Home_Refinance.html, a popular website that offers information on Mortgage Refinancing. Please leave the links intact if you wish to reprint this article. Thanks
http://ezinearticles.com/?Refinancing-A-Manufactured-Home---What-You-Really-Need-To-Know&id=571073
A manufactured home refinance is structured by you paying off your current loan and simply taking out a new loan with more favorable terms. Favorable could mean anything from a better interest rate which results in lower monthly payments or a shorter term of repayment.
It does not matter whether your mobile home is located on your own private land or if you are renting space in a mobile home park or community. Refinancing can be based upon the inclusion of land in the appraisal value or the exclusion of the same. You will need to check with your lender in the state of your residency to find out what the laws and regulations are that govern the refinancing of your mobile home.
When you refinance you will have to pay closing costs just as when you first purchased your home. Often a lender will allow you to roll the closing costs into mortgage to avoid paying them out of pocket. Keep in mind that when you roll over the closing costs into the mortgage you will be interest on those closing costs which means that in the end you will be paying more than if you just paid them up front in cash.
As with refinancing of traditional homes, you will be able to pay a fee upfront to your lender to purchase points to bring down your interest rate. Typically, one point equals a one percent reduction of the loan interest rate. So if you have a loan for $50,000 at an 8.5% interest rate and you wanted to buy points, one point would reduce your interest rate to 7.5%. If you are considering purchasing points, you need to make sure you will own the property long enough to retrieve the money you spent to purchase the interest buy-down points.
Because of the quantity of available sites and opinions, this can be a wild goose chase at times. We've made out site a comprehensive resource for you to find out what you require on refinancing your mortgage and know how valuable a one-stop resource depot can be. See below for more information on Mortgage Refinancing.
For more information on Refinancing Manufactured Homes or visit http://www.mortgagerefinancingexpert.com/Manufactured_Home_Refinance.html, a popular website that offers information on Mortgage Refinancing. Please leave the links intact if you wish to reprint this article. Thanks
http://ezinearticles.com/?Refinancing-A-Manufactured-Home---What-You-Really-Need-To-Know&id=571073
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