JCF Lending Group was founded in 1994, with the sole purpose of providing mobile & manufactured home loans where the home is considered personal property. JCF was then and is now a private entity, our shares are not public and have never been traded on the stock exchange. Additionally, JCF has never securitized funds from stock market investors or bulk securitization.

JCF monetary capitalization has always depended on internal and/or direct investors, giving JCF an economic edge over the stock market's constant bidding and trading war. As of 2009, JCF has securitized in excess of One Billion dollars of low rate mobile & manufactured home mortgages, also known as chattel mortgages. JCF Lending Group is headquartered in the state of Nevada, city of Las Vegas.

From the original founding date to present time, JCF's goal has and will continue to be to provide the lowest rate and fee combination mortgage to homeowners living in manufactured, mobile, and modular homes. As of 2008, JCF added Park Model "RV" financing to the arsenal of loan programs, once frowned upon due to the industry RV label. We now offer purchase financing, straight refinance, consolidation refinancing and cash out financing in 44 States.

JCF is recognized as the first lender and/or originator to provide refinance loans for manufactured home owners living in mobile home parks and leased lot manufactured home communities in the Western United States. Prior to JCF, manufactured and potential mobile home owners could only rely on Two major sources of purchase financing, Green Tree and Security Pacific Bank, both high rate lenders treating mobile & manufactured homes as high risk investments.

JCF is a unique lender in that we only finance the manufactured, mobile, or modular home, not the land it sits on. The majority of our customers live in mobile home parks and leased lot manufactured home communities. We also provide financing to homeowners living in a manufactured home where the home is on leased, rented, family or owned land, where the home is considered personal property, not deeded to the land which is real property.

JCF is a minimal risk A Paper Lender, providing both purchase and refinance mortgages to consumers with good credit and a positive paper trail income. Our homes that we finance must be set prior to funding, eliminating dealer fraud and misrepresentation, something that plagued both Green Tree and Security Pacific Bank. Additionally we are the first lender to require that all titling be completely in the seller(s) name, protecting our consumers from possible liens and/or unpaid debts from the previous 3rd party owner(s). When consumers finance with JCF, their interests are protected.

JCF offers call in applicants an approval or decline within 15 minutes, which raises the bar in our industry. Vanderbilt, 21st Mortgage and US Bank average more than 48 hours for that same approval or decline. JCF can accomplish this with actual human underwriters, versus automated computer scoring systems which then need to be reviewed by personnel. Customer interaction is also very important us, this is why we have minimized voice mail and have extended banking hours from 7:00 AM - 7:00 PM, Monday through Friday, with all convenient Saturday hours of 8:00 AM to 3:00 PM. We are also proud to offer 24/7 Live Help, connecting consumers with JCF representatives at their convenience.

JCF is also proud to offer our Star One Program, which means that a consumer can apply with JCF, be approved or declined and have their certified credit report sent either by fax or email to any other lender free of charge, keeping a consumers score from dropping due to excess inquires. Another aspect of this program is our low rate guarantee, we will match or beat any other lenders written offer on a comparable finance product. Finally, in the event that we are unable to assist an applicant, JCF will do the research to find out who can meet the customer(s) needs. Powerful reasons for both consumers and employees to put their trust in JCF lending Group, an Equal Opportunity Employer and Lender.

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