lower interest mortgage

Have you approached lender?

Do you know if you have equity in your house and how is credit and also income.

These are some of the basic thigns any lender looks for. Based on all these facotrs your interest rate will be dtermined.

Home's last appraised more than 180 k.
My credit score is at 800.Paid tax on over 75 k last ten years?
Have not yet approached Bank lender.

Have approx.85k equity

probably lenders woudl love to give you loan wiht that kind of credit score and good payment hisroty.

either call you current lender or any new one to find out what they can offer you.

rates are really low now and probaly very good time for you refinance.

you have to approch lenders and disuss with them.
Loan will be definately depends on your current credit score.
also some other supporting document required to verify for match up your requirement.

Loan for mobile home depend more on your qualifications, income, credit history, assets, etc.
Residential mortgage loans for manufactured housing are the most difficult to qualify for. Usually you must have good credit and/or 10 to 20% down payment. If your credit has been good for the last twelve months, then you may qualify for a low down payment FHA loan.