|
     
MANUFACTURED HOME LENDERS - JCF LENDING
GROUP
 JCF Lending Group is one of America's low rate
manufactured home lenders 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 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 manufactured home financing
available today.
The majority of our customers
live in manufactured home parks or in leased
lot communities. You may also qualify for a JCF Lending Group
manufactured home loan if your home and land are not tied together
by deed or title. We also may be able to provide manufactured home finance if the home sits on a relatives
land.
 We are able to offer the lowest lender direct
manufactured home loan rates possible along with a Variety of
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 one of America's Equal Housing Lenders. We provide
manufactured home loans in the following States;
ALABAMA, ARIZONA, ARKANSAS, CALIFORNIA, COLORADO, DELAWARE, FLORIDA, GEORGIA, IDAHO, ILLINOIS, INDIANA, IOWA, KANSAS, KENTUCKY, LOUISIANA ,MAINE, MARYLAND, MICHIGAN, MINNESOTA, MISSISSIPPI, MISSOURI, MONTANA, NEBRASKA, NEVADA, NEW
MEXICO, NEW YORK, NORTH CAROLINA, NORTH DAKOTA, OHIO, OKLAHOMA, OREGON, PENNSYLVANIA, SOUTH CAROLINA, SOUTH DAKOTA, TENNESSEE, TEXAS, UTAH, VIRGINIA, WASHINGTON, WEST VIRGINIA, WISCONSIN AND WYOMING.
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.
 MOBILE &
MANUFACTURED HOME FINANCING
Need manufactured home financing - Whether you are considering
buying a used mobile home or buying a new manufactured Home, JCF
Lending Group will find a manufactured home
mortgage that's right for you. The type of manufactured home loan
received depends of several different factors, the year of the
manufactured home and current value is a strong factor, as is the
credit of the applicant and the monthly
Income.
Once the 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
manufactured home financing rate can be
obtained in most cases at a 15 year term
.
MOBILE & MANUFACTURED HOME
REFINANCING
Need 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 manufactured home
refinancing or that low rate manufactured
home loan.
If the 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 manufactured home mortgage can
be an option. Our Staff will quickly ascertain whether manufactured
home refinancing will be beneficial. Our goal is to make sure each
and every customer is offered the right manufactured home finance
option.
MANUFACTURED
HOME LENDER
FAQ's
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 manufactured home loans. All applicants must live
in the home that will be financed. We do however offer a limited
"Buy For Program" that may allow a relative to purchase a home for
another relative. 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
manufactured home loan.
Q: Does JCF offer land & manufactured home
financing?
A: No. JCF is a manufactured home only lenders 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 Lenders, our 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 manufactured home is in a park and/or on leased land.
Can JCF help me?
A: Yes. JCF specializes in this type of manufactured home
financing. Since 1994, JCF has been offering both manufactured home
financing and manufactured home refinancing for consumers living in
manufactured home parks & 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 lenders
for this type loan.
Q: Can JCF help me finance a brand new 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
manufactured home will need to be moved from a dealers lot or will
be shipped from the factory, we are not the lenders 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% 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
Headquartered 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, leased
land, family/private land where the home is not tied to the land by
a mortgage, deed or a trust. We are a niche 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 manufactured home or
refinancing your current mobile home, our experienced staff is
ready to
help.
HOME | APPLY | CONTACT | PURCHASE | REFINANCE | RATES | FAQ's | MY
ACCOUNT | BOOK OUT | LINKS | SITEMAP
|
