MOBILE HOME FINANCING BY JCF
JCF Lending Group offers Used Mobile Home
Financing. We are a home only lender, providing mobile home
financing for homes not attached to real property by way of deed or
title. We do not finance mobile homes and land, just the mobile
home. The majority of our customers live in mobile home parks or in
leased lot communities. Below we have outlined our basic
requirements and guidelines to better assist you. Meeting the below
requirements does not guarantee approval. Contact customer service
for more information.
MOBILE HOME FINANCING HIGHLIGHTS
- Approvals in 15 Minutes. (Phone Only)
- Used Mobile Home Finance with as Little as 5%
- Terms from 7 - 25 Years.
- Homes 1977 or Newer.
- Minimum Loan Amount $20,000.00, Maximum Loan
- Minimum Equifax/Beacon Credit Score 660.
- All Finance Programs Offer Fixed Rates with No
- Closing Costs Can be Financed.
- Down Payment May be Gifted. (10% Minimum Down
- Zero Application Fees.
- Home Can Not Need
Major Repairs or Need Deferred Maintenance.
- Home Must Exceed 600
Square Feet and Minimum 12 Feet Wide.
- Must be Primary
Residence or Vacation Home, No Rentals
- Home Must be On
Existing Lot and Have Skirting with Utilities
- Located on
Rented/Owned Land that is Not Tied to the Home by
- Minimum Loan Amount
$20,000.00. Maximum Loan Amount $500,000.00.
- Must Be Legal U.S.
Resident, with Verifiable Documentation.
- Must Have 5 Year
Credit History, with a Previous Car Loan.
- Must Have Good to
Excellent Credit. No Poor or Fair Credit.
- Two Year Work
History, Unless Retired. Must be Verifiable.
- Cannot Be In Credit
or Debt Counseling. Must be Completed.
- No Bankruptcy or
Foreclosure Within 4 Years of Discharge
- Income Must be
Verifiable. (No Stated Income Programs are
- Minimum Down Payment is 5%
of Selling Price, Depending on Year.
- No Borrowed Down
Payments. Source must be Seasoned Funds or
See that You Must Have Good Credit. What if My Credit is Bad or
A: JCF only offers mobile home loans to consumers with good or
Does JCF offer Land/Home Combination Financing?
A: No, JCF does not finance land or land & home combinations.
We are a home only lender.
Want to Buy and Move a Mobile Home onto My Property, Can JCF
A: No, JCF will not finance a mobile or manufactured home that will
be moved after financing.
JCF Help me Purchase a Mobile Home from a Dealer?
A: Only when the Dealer is acting as a listing agent for a
homeowner. We do not finance new homes or homes that are coming
from the dealers inventory. If the home must be moved, we cannot
there an Application Fee to Apply with JCF?
A: No. We do not charge application fees.
Q: Does JCF offer
100% Mobile Home Financing?
A: No. All customers must have a minimum of 5% down of the selling
price. Best rates available with 20% down.
Q: Does JCF Accept
Co-Signers on Their Loans?
A; No. All persons applying must live in the home with the
exception of vacation homes.
Q: Do I Need
a Realtor to Use JCF Lending Group?
A: No. JCF will work directly with buyers and sellers. We provide
all of the closing documentation necessary.
Q: Is 3rd
Party Escrow mandatory on JCF Mobile Home Loans?
A: No, with the exception of California, where escrow is
required. All escrow functions will be handled internally by JCF's
Q: I Would Like to
Help My Family Member Buy a Mobile Home. Can JCF Help?
A: No, JCF does not finance homes purchased for friends or
Q: How Long Does It
Take to Be Approved for Mobile Home Financing?
A: By Phone in as Little as 15 minutes. Online applications take 12
– 24 hours.
Q: Are JCF's Mobile
Home Loans Assumable?
A: No, our loans are not assumable.
Q: Are there any
Pre-Payment Penalty Fees on Your Mobile Home Loans?
A: No, although closing costs and escrow fees are non-refundable.
Our loans carry no prepayment penalties.
Q: What Terms do
Your Mobile Home Loans Run?
A: This depends on the loan balance. Our terms run between 7 – 25
Q: How Long is the
Complete Process to Get a Mobile Home Loan?
A; From application to funding, normally occurs within 2-3 weeks,
depending on the State.
Q: Is JCF
Affiliated with 21st Mortgage or Vanderbilt Mortgage?
A: No. They are friendly competitors, there is no relationship
Q: Do Your Mobile
Home Loans Require an Appraisal or Inspection?
A: Yes, an inspection is always required. In some cases, an
Appraisal/Inspection combination will be required.
If your questions
have not been answered, please contact
We are able to offer the
lowest mobile home finance rates possible along with a Variety of
mobile home finance programs to meet the needs of a Nation. We will
easily guide you through the finance process, providing you with
whatever level of service you require. We offer Fixed Rate
mortgages, No Pre-Payment Penalties, No Application Fees and we are
Proud to be an Equal Housing Provider.
| APPLY | CONTACT | PURCHASE | REFINANCE | RATES | FAQ's | BOOK OUT |