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have a double wide mobile home and land having trouble refinancing

I live in South Carolina and have a double wide mobile home and land mortgaged with Chase Mortgage.  I lost my job 2 years ago and though I'm still working I'm not making what I used too.  I have to struggle to make my house payments.  I tried to refinance through HAMP and they said I qualified but then they declined the refi after the appraisal showed the property as a mobile home.  They sent me a overnight letter yesterday offering me a 4% interest down from the current 7.38% through the Chase Rate Reduction Program so I called and they declined again because of the property type.  I've been making all payments on time for the last 12 years.  But now that I need some relief I'm treated like a low class citizen because I live in a double wide and pay my bills.  Is there anything I can do - so I can feed my family?  My debt to income ratio is low due to the fact I've always tried to not live above my means and have tried to be responsible, but it would ne nice to get the same relief that those that haven't made responsible decisions.
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December 06 2012 - Timmonsville
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I agree I call this a class action suit of discrimination on housing.These double wides are built better than most homes hell they have a steel floor joists underneath and built under shelter where most other homes are built in every kind of weather condition.Is  Their any one willing to file a class action suit or lawyer willing to take on this ,it is pure discrimination on lending.
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March 21
We offer HARP loans on manufactured homes. Feel free to click on my profile.
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December 06 2012
Check with Amerifirst Financial or TCF Bank if available in your area. Not many institutions are doing refi's on Manufactured homes anymore. I hope this helps.
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December 06 2012
 
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have a double wide mobile home and land having trouble refinancing
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March 21 | 3 answers
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