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MOBILE HOME REFINANCING
PROGRAMS
 JCF Lending Group offers a
Mobile Home Refinancing, for both Straight Refinance and Cash Out /
Consolidation of Debt. We are a home only lender, providing mobile
& 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 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 mobile & manufactured
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 mobile & 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
REFINANCING 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 REFINANCING FAQ's
Q: Does JCF offer 100% Mobile 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 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 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 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 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
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 Mobile 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: 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 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 Appraisers /
Inspectors for Mobile Home Refinancing?
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.
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 Lender. We
provide mobile home mortgages 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.
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