I built a manufactured home from ground up in 2017. Beautiful home, with garage on concrete foundations on five acres. You cannot tell it is a manufactured home and more like a custom stick built home. This is the scenariou:

1. Aprraisal came in at $210,000.

2. I needed a $225,000 appraisal.

3. Now I am over debt to income ratio.

4. Credit Scores: Middle FICO is 660

5. Wanted to pay off outstanding debts including cars with the proceeds of the refinance.

6. Got a conditional loan approval at $210,000,

Anyone have any ideas on what I can do to make the cash-out refinance work? I cannot add a non-occupant co-borrower because it is an FHA loan and HUD does not accept non-occupant co-borrowers on cash-out refinace. I cannot get a piggyback 80-19-10 because all non-QM and traditional mortgage lenders in the United States do not allow second mortgages or HELOCs on manufactured homes. It would have to go conventional loan if there was a second mortgage lender that would allow a second mortgage on manufactured home? Any ideas would be so very much appreaciated.