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#1
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Need Help RE Financing Home Building w/Special Problem
My wife and I have a particular problem I wonder if someone might be
able to help with. We currently own our own home, a 1996 model doublewide in good condition on 3 mostly wooded acres in rural Baker County, Florida, a growing bedroom community for Jacksonville. We bought the property as a land/home package in 1998, 30 years fixed at a bit under 10 percent. Last year we refinanced, again as a land/home package, this time for 20 years (cutting 3 years off the term), for slightly less monthly and a wad of cash in hand to pay some other debts. We would like to build, and we would like to build on this property, which we like. Our credit union, which holds the mortgage, does not offer construction loans. We looked at Jim Walter (and similar companies), found homes we liked, but they will not finance us because of the land/home being lumped together, although my credit score is otherwise very high. We also have considered and like some modular homes, like Palm Harbor, but again the same problem. We need to know how we can get around this issue and be able to build a house on this property. Any helpful advice anyone might offer would be greatly appreciated. Thank you. |
#2
Posted to misc.consumers.house
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Need Help RE Financing Home Building w/Special Problem
Morgage laws can vary widely from state to state or even county to county. I suspect your best information source would be to contact a mortgage banker. CF |
#3
Posted to misc.consumers.house
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Need Help RE Financing Home Building w/Special Problem
On Fri, 07 Jul 2006 06:09:34 GMT, someone wrote:
Morgage laws can vary widely from state to state or even county to county. They hardly differ from county to county but even so this is hardly a mortgage LAW issue. This, you advice on other threads to go to "an MRI facility" to get EAR PLUGS, plus your wishful and delusional approach to your electric bills, is r4eally convincing me you are a head case. As in self absorbed narcissitic whatever. Reply to NG only - this e.mail address goes to a kill file. |
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