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MOBILE HOME REFINANCE PROGRAMS - JCF
LENDING GROUP
 JCF Lending Group offers
Manufactured & Mobile Home Refinance Programs, for both
Straight Refinance and Cash Out / Consolidation of Debt. We are a
home only lender, providing manufactured & mobile 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
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.
We are one of the few lenders
that can provide single wide manufactured home refinancing, and
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.
Our manufactured & mobile
home refinancing programs offer some of the lowest mobile home loan
rates in the country. All of our rates are fixed, and there are no
pre-payment penalties. You will have peace of mind knowing your
payment will never change. If you are looking for mobile home
refinancing, or a manufactured & mobile home loan, coast to
coast you've come to the right place. We are open from 7:00 AM to
7:00 PM PST, Monday - Friday, Saturday we are open from 8:00 AM to
3:00 PM PST. Please call us at, (866) 967-0143,
for more information or questions you may have.
 MOBILE HOME
REFINANCE HIGHLIGHTS
- Approvals in 15
Minutes. (Phone Only)
- Low Fixed Rates with No Prepayment
Penalties.
- Reduce Your Monthly Payment or Shorter
Term.
- Skip a Month's Payment.
- Up to 80% Equity Cash Out.
- Terms from 7 - 25 Years.
- Homes 1977 or Newer. (Nationwide - Single,
Double or Triple Wide)
- Homes 1970 & Newer. (California - Double or
Triple Wide)
- Minimum Loan Amount $20,000.00, Maximum Loan
Amount $500,000.00.
- Minimum Equifax/Beacon Credit Score 660.
- Closing Costs Can Normally be Financed.
- Zero Application Fees.
MOBILE HOME
QUALIFICATIONS
- Mobile Home Can Not Be In Need of Major
Repairs.
- Mobile Home Must Exceed 600 Square Feet.
No Park Models.
- Mobile Home Must Be On Existing Lot and
Have Skirting.
- Mobile Home Must be Primary Residence or
Vacation Home.
- Mobile Home Must Be Located on Rented,
Leased or Family Land.
- Home Must be 1970 or Newer. (California -
Double or Triple Wide Only)
- Home Must be 1977 or Newer. (Nationwide -
Single, Double or Triple Wide)
- Our Minimum Loan Amount $20,000.00, Max.
Loan Amount $500,000.00.
CUSTOMER QUALIFICATIONS
- All Applicants Must Be a Legal United
States Resident.
- All Applicants Must Have a 5 Year Credit
History.
- All Applicants Must Have Good to Excellent
Credit.
- A Two Year Work History is Required,
Unless Retired.
- All Applicants Cannot Be In Credit or Debt
Counseling.
- Credit Report Cannot Show Bankruptcy or
Foreclosure Within 4 Years.
- Income Must be Verifiable. (No Stated
Income Programs are Available)
MOBILE HOME REFINANCE FAQ's
Q: Does JCF offer 100% Mobile Home
Refinance?
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 Mobile
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 Mobile Home?
A; No, all applicants must live in the mobile home. Exceptions made
for vacation homes on a case by case basis.
Q: Do I Have to Use a Mortgage
Broker to Use JCF?
A: No. JCF will work directly with consumers directly wishing to
refinance their mobile homes.
Q: Is 3rd Party Escrow
mandatory on Chattel Mobile Home Refinance?
A: No, with the exception of California, where 3rd party
escrow is mandatory.
Q: I Would Like to Help My Family Member
Refinance Their 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 Mobile Home refinancing?
A: By Phone in as Little as 15 minutes, online applications take 12
– 24 hours.
Q: Are JCF Lending Groups Mobile Home
Refinance Loans Assumable?
A: No, our refinance loans are not assumable.
Q: Are there any Pre-Payment Penalty Fees
on Your 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 Mobile Home
Refinance 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 Mobile Home Refinance?
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: Yes, 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 Mobile Home Refinance 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 Appraisers /
Inspectors for Mobile Home Refinance?
A: Yes, we prefer that our customers use Data Comp Appraisal
Services in all states except California. In California, we
prefer Golden
State Appraisals.
Q: Your Mobile Home Refinance Rates Seem
Very Low. Why?
A: We can keep our rates low because we only lend to consumers with
good credit.
If your questions have not been answered, please
contact us.
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