The Manufactured Housing Forums

I am looking to refinance 120 unit Mobile Home Park in Houston, Texas.
Can anyone give me feedback on the most economical route of approaching this.
Are there ways to approach the lender directly without paying points?

The properties are currently paid off.

A local bank is your best option. If you can't find one, then the other option is a commercial mortgage if the community will support that size loan. Sometimes, there is a minimum amount they will loan. Call the state association office to get the names and phone numbers of commercial lenders active in your area.