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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 |
| Top 3 Reasons to Refinance a Mortgage 1. Lower your monthly payments Probably the most common reason for refinancing is to lower your monthly payments in order to ensure that each payment can be made. There are various ways to lower your payments. One way to do so would be to increase your loan term and pay less for an extended period of time. If you have an FRM and feel that you can't afford your current payments on the short term, but believe you will be able to deal with an increased rate later on, you might want to consider switching to an ARM because its rates will be fixed at a lower rate for a short period of time and then adjust later on when you know you can afford it. Conversely, if you have an ARM it would make sense to switch toan FRM with lower rates. 2. Decrease loan term Does refinancing mean I have to extend the term of my loan? The answer is no, and many people choose to refinance primarily for that reason of decreasing the loan term while slightly increasing monthly payments. In the long term this probably will save them a lot of money thanks to a lower interest rate. They will also finish paying off the loan a lot sooner. 3. Cash-out refinancing Many times there are other important debts people have to pay off or will need to pay off in the near future. Refinancing for more than you currently owe will allow you to receive a large amount of money to pay for these investments, whether it be for college, home improvement, or buying a car. Many times people can do so while getting a lower interest rate. As explained, this option should be carefully weighed against taking out a second mortgage. Whatever your goals are, we're here to help. It's what we do best! There's no cost to apply and no obligation for a free quote. Let Earth Works Trust help make you a happy customer, too! |
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