
		Rates As Low As: 5.25%*

CALIFORNIA MANUFACTURED HOME LENDER - JCF LENDING GROUP

JCF Lending Group is a California manufactured home lender and was founded in 1994 with the sole purpose of providing manufactured & mobile home loans Nationwide. JCF Specializes in Chattel Mortgages, a term used when referring to a loan on a Mobile or Manufactured Home where the land is not a factor and only the California Manufactured Home will be financed. JCF is a home only lender and proud of it. JCF is here for you, providing the best rate & term California manufactured home financing available today.

The majority of our customers live in California manufactured home parks or in leased lot communities. We are currently only financing homes located in parks or communites in the State of California.

We are able to offer the lowest lender direct California manufactured home loan rates possible along with a Variety of California Manufactured Home Loan Programs to meet the needs of a Nation. We will easily guide you through the loan process, providing you with whatever level of service you require. We offer Fixed Rate financing, No Pre-Payment Penalties, No Application Fees and we are Proud to be an Equal Housing Lender.

We will provide the quickest Approval possible, sometimes within 15 minutes and let you know exactly the manufactured or mobile home loan we can offer. Then it's up to you to make the decision. We are open from 7:00 AM - 7:00 PM PST, Monday thru Friday, and on Saturdays 8:00 AM - 3:00 PM PST. We also have "Live Help" operators standing by 24/7, helping both existing and new customers get the answers to the questions they may have, all in real time. No waiting on email.

CALIFORNIA MANUFACTURED HOME FINANCING

Need California manufactured home financing - Whether you are considering buying a used mobile home or buying a new manufactured Home, JCF Lending Group will find a California manufactured home mortgage that's right for you. The type of California manufactured home loan received depends of several different factors, the year of the California manufactured home and current value is a strong factor, as is the credit of the applicant and the monthly Income.

Once the California manufactured home loan is approved, the amount of the down payment determines the interest rate offered. As an example, a 10 or 20 percent down will offer a better rate than 5 Percent Down. Our terms vary from 7 years to 25 years, depending on the program you choose. The best California manufactured home financing rate can be obtained in most cases at a 15 year term .

MOBILE & MANUFACTURED HOME REFINANCING

Need California manufactured home refinancing - By adjusting your current Interest Rate and the number of remaining loan payments, many things can be accomplished. Savings can be great and long term savings even better. Reduced monthly payments and thousands of dollars of savings are a few of the possible benefits of California manufactured home refinancing or that low rate California manufactured home loan.

If the California manufactured home is in good condition and there is a sufficient amount of equity in your home, additional options such as an equity cash-out and debt consolidation California manufactured home mortgage can be an option. Our Staff will quickly ascertain whether California manufactured home refinancing will be beneficial. Our goal is to make sure each and every customer is offered the right California manufactured home finance option.

FREQUENTLY ASKED QUESTIONS

Q: Do you finance both mobile homes & manufactured homes?
A: Yes. JCF offers financing for both mobile homes and manufactured homes. We should point out that the majority of people refer to manufactured homes as mobile homes, as do many industry professionals. To be clear, mobile homes were built from 1970 until July of 1976, after that all homes built are consider manufactured homes. We also hear a lot of people refer to modular homes, when they are actually referring to manufactured homes. In reality modular homes are considered stick built structures and are assembled at the home site, not a factory, as with manufactured homes.

Q: I have less than perfect credit, can JCF help?
A: Not in most cases. JCF lends to consumers with good to excellent credit. As you can see, JCF Lending Group offers the lowest rate manufactured & mobile home loans in the Nation. We can only do this by limiting our risk factor. Most lenders that had lent on poor credit are no longer in business. There are still a few lenders that will consider fair or poor credit.

Q: Can I use a Co-Applicant to qualify with JCF Lending Group?
A: Yes, as long as the Co-Applicant will be residing in the home. We do not allow friends or relatives that will not live in the home to Co-Sign on our California manufactured home loans. All applicants must live in the home that will be financed. The home must be in a park or leased lot community and the person that will live in the home must be approved by the park or community prior to the funding of the California manufactured home loan.

Q: Does JCF offer land & manufactured home financing?
A: No. JCF is a California manufactured home only lender and we are not licensed to finance land or the combination thereof. When the home is tied to the land by way of deed, it becomes real property and/or real estate. JCF is a Chattel Mortgage Lender, our California manufactured home mortgages are considered personal property loans. It is important to point out that our mortgages still have the same interest write off's as do real property mortgages. See your tax professional for more information.

Q: My California manufactured home is in a park and/or on leased land. Can JCF help me?
A: Yes. JCF specializes in this type of California manufactured home financing. Since 1994, JCF has been offering both California manufactured home financing and manufactured home refinancing for consumers living in California manufactured home parks & California manufactured home communities where the lot is rented or leased. Again, this type of mortgage is called a Chattel Mortgage. We consider ourselves the number one lender for this type loan.

Q: Can JCF help me finance a brand new California manufactured home from a dealer?
A: Yes, as long as the home is currently set up in a park and/or community and the home and dealer meet JCF requirements. If the California manufactured home will need to be moved from a dealers lot or will be shipped from the factory, we are not the lender for you. The dealer selling you the manufactured home should be able to provide you with competitive financing.

Q: Does JCF Lending Group offer 100% California manufactured home financing?
A: No. JCF requires that all customers put at least 5% down on the home they wish to purchase. We do accept gifted down payments, but we require that the person buying the home have at least half of the down payment on hand, the other half can be gifted. If you are using a gift as your down payment, please be advised that it must truly be a gift and repayment not required. Additional down payments can not be borrowed or provided by the Seller in the form of a contribution.

ABOUT JCF LENDING GROUP

Located in Las Vegas, Nevada, JCF Lending Group specializes in the financing and refinancing of mobile, modular and manufactured home loans Nationwide, with specialized programs in 44 States.

With decades of combined experience in the mobile and manufactured home industry, JCF Lending Group provides loans for homes that are in parks and communities. We are a niche California manufactured home lender and proud of it.

At JCF Lending Group our end goal is to personalize each financial need to each customers situation. Whether you are selling or buying a California manufactured home or refinancing your current mobile home, our experienced staff is ready to help.