For those of you that chose to give me other alternatives, thank you but I really have already made decisions on financing the MH itself. I have researched many different options and have made this decision to finance it separately. There are tax implications and lots of other reasons why I have decided this is the best. I am planning to sell my S&B within the next year, and will likely pay off the MH with proceeds from the sale.
For those who answered what I asked thank you so much for assuring me that Essex/Bank of the West is reasonable alternative to my credit union as their posted interest rates are 2.5% to 3% lower that my credit union. I will as recommended consider total loan costs for each.