Income Must be Verifiable. (No Stated Income Programs are Available)
COMMON QUESTIONS
Q: Does JCF offer 100% Missouri Manufactured Home Refinancing?
A: No. Our maximum on straight term and refinance is 95%, cash back and consolidation is a maximum of 80%.
Q: I Have a Clear Title to My Missouri Manufactured Home, Can I get Cash Out?
A: Yes, as long as you have good credit and the equity to support the amount requested. This program is available in parks or communities only.
Q: My Debt to Bill Ratio is Very High, will JCF Consider the Accounts I am Paying Off?
A: Yes, your debt to bill ratio will be considered if the accounts in question are paid off with the refinance.
Q: Does JCF Accept Co-Signers When Refinancing a Missouri Mobile Home?
A; No, all applicants must live in the home. Exceptions made for vacation homes on a case by case basis.
Q: Do I Have to Use a Missouri Mortgage Broker to Use JCF?
A: No. JCF will work directly with Missouri consumers directly wishing to refinance their manufactured homes.
Q: Is 3rd Party Escrow mandatory on Missouri Mobile Home Refinancing?
A: No, with the exception of California, where 3rd party escrow is mandatory.
Q: I Would Like to Help My Family Member Refinance Their Missouri Mobile Home, Can JCF Help?
A: NO. We do have a co-signer program. You must live in the home to be on the loan.
Q: How Long Does It Take to Be Approved for Missouri Manufactured Home Refinancing?
A: By Phone in as Little as 15 minutes, online applications take 12 – 24 hours.
Q: Are JCF Lending Group's Missouri Mobile Home Refinance Loans Assumable?
A: No, our refinance loans are not assumable.
Q: Are there any Pre-Payment Penalty Fees on Your Missouri Mobile Home Refinance Loans?
A: No, although closing costs and escrow fees are non-refundable. Our loans carry no prepayment penalties.
Q: What Terms do Your Missouri Mobile Home Refinancing Loans Run?
A: This depends on the loan balance, our terms run between 7 – 25 years.
Q: How Long is the Complete Process to Get Missouri Manufactured Home Refinancing?
A; From application to funding, normally occurs within 2 weeks, depending on the State.
Q: I See that You Must Have Good Credit, What if My Credit is Bad or Poor?
A: JCF only offers mobile home loans to consumers with good credit.
Q: Is JCF Affiliated with 21st Mortgage or Vanderbilt?
A: No. They are friendly competitors, there is no relationship present.
Q: Can JCF Refinance a Vanderbilt Mortgage Mobile Home Loan?
A: Yes. As noted, above we are competitors.
Q: Does Missouri Manufactured Home Refinancing Require an Appraisal or Inspection?
A: YES, an inspection is always required. In some cases, an appraisal will be also required.
Q: Do You Have Your Own Missouri Appraisers / Inspectors for Manufactured Home Refinancing?
A: Yes, we prefer that our customers use MH Values or Data Comp Appraisal Services.
Q: Your Missouri Manufactured Home Refinance Rates Seem Very Low. Why?
A: We can keep our rates low because we only lend to consumers with good credit and do not have the repossession rate that other lenders face lending to consumers with lessor credit.
If your questions have not been answered, please contact us.
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JCF Lending Group offers Missouri Manufactured Home Refinancing, for both Straight Refinance and Cash Out / Consolidation of Debt. We are a home only lender, providing Missouri manufactured home refinancing for homes not attached to real property by way of deed or title. We do not refinance mobile homes and land, just the manufactured home. The majority of our customers live in Missouri 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.
We are one of the few Missouri lenders that can provide single wide Missouri manufactured home refinancing, and Missouri mobile home refinancing on private property, provided that the home is not tied to the land by way of deed. We are a home only lender, and strive to provide you with the best loan and rate to fit your needs. Closing costs can be financed into the loan to reduce the need for additional out of pocket expense. Normally only an inspection or appraisal will be your only out of pocket expense. 
