We have a loan that was made to Bill secured by a Mobile Home. Bill past away now the loan is re-written to son Bobby. Original loan is paid off and a new loan is created still secured by the MH. Would this be a Refi or a purchase? Second loan was to Smith Trust secured by a residence. The trustee past away. Now the loan is paid off and is re-written to son Mike and nephew Joey. Would this be e Refi or Purchase?