We just wanted to write and thank you for your assistance with our recent home refinance. Your expertise in manufactured homes allowed us to obtain just the right loan to fit our budget, while still getting us the best interest rate you had to offer.

Your staff’s  attention to detail was “spot-on” and the entire process was completely painless from our end. We were amazed you were able to react so quickly when Trinity changed jobs in mid-stream (thought we’d have to start from scratch) to keep our closing date the same.

We think the most pleasant surprise was that we had the documents delivered  to our home and your document person was in no rush to go over the paperwork and explain each item in detail. That’s what we call customer service.

Peter, we can’t express in words our appreciation for all of your hard work and diligence during what is normally a very difficult and lengthy process.

Sincerely,
John & Trinity Klien - Oklahoma

Jack,

The registration tags arrived over this past weekend. Thank you very much for getting that straightened out. I appreciate your efforts. And, I must tell you, that Tracy was very, very good with me through this entire deal. You should be, thankful that you have an employee such as her. Again, thank you and your staff for all you have done for me.

Alan Guy - Florida

I just completed my mobile home loan with JCF, have to offer a few points future customers may have interest in. Their phone system leaves a lot to be desired, everything from getting the wrong employee when you dialed the right extension, to getting a recording saying “All Circuits are Busy”. Another issue was my first payment date, my loan officer told me that my payment due date would be 30 days from funding. Their documentation person told me that I could choose the payment date that I wanted, even if that meant skipping a payment. I raise this point because I held off closing my loan until the date I wanted my payment due. My documentation person was nice, but a little anal, felt like I was a child in school and he was the teacher.  My realtor told me that he made her feel ignorant, although I did not think she was the sharpest tool either. On the upside, I was impressed and that is not an easy task. My realtor had never sold a mobile home in a park, she was lost in the dark and she was starting to freak out. Apparently everything they teach in realtor school or possibly elementary school does not apply to mobile homes in parks. However, the documentation person at JCF took control of the situation and walked her through it and that was not an easy task.

On a completely positive note, the interest rate I received was a full 1% less than anyone else had offered. They offer 24/7 live chat so that you can always check the status of you loan, that was a life saver being on the east coast. Overall the staff was very friendly and professional. I would recommend them in the future.

Lenny Bergmann – New York  

Debbie Johnson did an excellent job for us. This was our first home purchase, and Debbie and her staff or team as she called it, were professional and informative through every step of the process. We had some hurdles that needed to be cleared in order to get a loan, and Debbie was diligent in helping us clearing those hurdles. Then she was very persistent with the underwriting and did not give up on us. Her professionalism, hard work and diligence are much appreciated by me and my family. Debbie Johnson was top notch and I would recommend her and JCF to anyone that wants a manufactured home!

Kathy Thompson - Phoenix, AZ

Our experience with JCF was great! The loan was approved instantly and processed in the time frame we needed. The loan officer carefully explained the procedures and answer all the questions we had about refinancing our home. It was also very convenient to have 24/7 access via their live help service.

Stan Wilson - Roseburg, Oregon, Go Ducks!

Sounds like mostly happy people have posted here. What you will not read about is that JCF Lending Group only works with people with excellent credit, no risk there. So yes if you are one of those elite people, JCF may well be the choice for you. I was declined in less than 10 minutes by phone, so much for their 15 minute approval. I would have waited a few days for an approval.

Stan Wright - Homeless in Texas

Clarification Needed

In the State of California, 3rd party escrow is mandatory, if you look at JCF guidelines it clearly states that. I know that the previous poster is in Utah not California, but I think this clarification is needed.

Hello,

Read what Clark had to say, but I think he is missing the point. We just bought a home and used JCF Lending Group for the financing. We did have a Realtor, in fact one for us and the other for the sellers. The realtors that were handling my home sale went nuts when they found out that JCF does their own internal escrow.  Told me that it could not be done without the use of an escrow company, what a crock that was. They even tried to push me on to a mortgage broker that did things “properly”. What they did not tell me was they wanted me to use a broker that was going to charge me almost 10% interest and almost $4,000.00 in broker fees, and then $900.00 in escrow fees.  We told our realtor that we were going to cancel the transaction if we could not use the lender of our choice, JCF lending Group. So no 3rd party escrow, saved there and then the rate I received 6.99%, that was sweet too. The process took around three weeks, the service we received was excellent. Again what I think Clark was missing is the bargaining tool you have when the lender does their own escrow. That means that the seller does not have to pay an escrow fee and may be willing to drop the price they are asking, they did in my case. So I not only saved $900.00, but an additional $500.00 off the price of the manufactured home.  

Steve & Alisa Young – Provo, UT

Peter,
It’s the first week in our new manufactured home and Steve and I wanted to thank you and let you know how much we appreciated all your hard work. Everything went so smoothly and quickly every step of the way. From our first phone call we knew we had made the right choice with you and your group. Your response time to all our questions made the whole process seem almost easy. We felt that we were your only clients and were always getting your full attention. Even our real estate agent was impressed. You came highly recommended and we will certainly continue to spread the word that Peter and the JCF Lending Group are the people to turn to when you need a manufactured home mortgage. Peter, you are a true professional and you are very good at what you do. It was a pleasure doing business with you!

Steve & Darlene - Cleveland, OH

Two months prior to purchasing my home this fall, I spoke with Tracy and her team regarding my mobile home mortgage options. As a first time home buyer, I had a lot of questions not only in the area of mobile home purchase financing, but legal and other park related questions. Tracy carefully evaluated all the options available to me, gave me all the information I needed in order to make the best financing decision, and together we made a choice of mortgage that perfectly suits my needs. Tracy was extremely professional, helpful and very prompt with replies to my questions. I would highly recommend Tracy to anyone looking for a mobile home type mortgage. I had a great experience working with her and her team.

Chelsea Love - Vancouver, WA

Just refinanced my home with JCF, I am happy. Great rate for a manufactured home, still higher than conventional rates for stick built home :(. I feel I got the best rate and term from JCF, although I was not happy that they cap their cash out at 80% LTV. For those of you that are unaware of the term LTV, it means loan to value. Anyway nice people to deal with as a whole.

Sergio Ramirez - Phoenix, AZ

Just completed my new loan, now for some straight feed back on my experience, good and bad. On the negative end, I was left up in the air and had to call to determine if I had to send my first payment by mail or were you going to take my first payment by automatic withdrawal. I was told my first payment was due 30 days from funding, when in fact you did not require a payment for almost 45 days. Why did my loan officer not know this? Included in my loan was a closing/escrow fee of $299.00, why wasn't the seller required to pay half of this? Why did your Samantha, switch me me to a new "male" loan officer, simply because I asked her what she was wearing on that day. I was only interested in the weather, nothing more! Screening my calls is not good customer service.

On the positive, the rate I received from JCF, was more than 1% less than anyone else and I believe you are the only one that offers 24/7 service. Also, your web site is the only one that publishes rates, other sites wanting an application before they could even discuss rates. As stated above, I was upset about being switched to Carl, but I still appreciate the hard work Samantha did, and hope when I am in Vegas, that I can apologize to Samantha for any misunderstanding.

Earl Wormington - Bay Springs, Mississippi

I was very pleased, excellent service, great rate. Nice people to work with overall.

Maynard Wilson - Las Vegas, Nevada

Hi Tracy,

I just wanted to write to thank you again for working so incredibly hard for us. John rented a truck today and is moving all the big stuff over with his dad and brother. I'm working till noon :( so I won't be able to help move and organize stuff till then, but tonight we are spending our first night in our new home! We are thrilled. We can not believe it is ours! It is really a dream come true. And out of all the manufactured houses we pursued during this process with you this house really is the best in so many ways. So everything about this has really been a miracle.

I also wanted to say that it is apparent to us that you have a very difficult job. But we want you to know that you were always a breath of fresh air for us thourghout this process. Thank you for having integrity in an industry where it seems integrity is not the norm. I wish we could send you a spa day or a bouquet of chocholate covered strawberries or soemthing to show you just how grateful we are to you. Unfortuanalty with our recent purchase we are flat out of money so please accept our sincerest thanks and gratitude instead.

John & Melissa - Ventura, CA

Attn: Collection Department Manager:

My mom passed away on August 1st, 2008, I discovered that my mother (Due to Illness) had not made a payment for several months, I was directed to your collection department and had the pleasure of working with, Janice Coldwell, who worked with your upper management to waive all late fees which amounted to a considerable amount of money, she was sincere and most of all could relate to my pain. She helped me through a very dramatic period in my life and also went on to help me transfer the title in into my name after I received it. Today is October 14th, just received a call from Janice checking on how things were going for me, calling simply because she cared. Janice is an example of what corporations can do to improve their image, thank you Janice and JCF.

Louise Smelter - Boise, ID

I doubt if this will make your website, but I’ll give it a try.  JCF needs to lighten up on their credit requirements. Trying to buy  a single wide mobile home, and I was declined over the phone in about 4 minutes. I have always paid my bills on time, but don’t have a lot of credit. Was told abruptly they could not help.  Didn’t even run my credit.  You should give people a chance.  Just food for thought. Ever hear of a 2nd chance, I did not get a first chance.

John A. - Eugene, Oregon

Webmaster,

I do not care for your new online help system and much more prefer the old system. The new system gives you to an basic operator, who then "sometimes" transfers you to the correct department. they old system let you go to specific departments, no fuss no muss. Also this system is down more often than the old system, which is an inconvenience to your customers.

Brandi T. - Albany, New York

To the staff at JCF,

  Just wanted to drop a quick line and say Thank You, Thank You, Thank You.  After my divorce, I was living in a 2 bedroom apartment with my 2 kids. You can imagine the squalor.  I decided to look for a place to call home, and found the perfect manufactured home that was affordable.  The next problem, finding a company that would finance a mobile home in a park.  I searched the internet, and found a few companies, but could never get a live person on the phone.  I didn't’ want to blindly apply and drive down my credit score if they did not offer what I was looking for.  My realtor suggested I call JCF, a manufactured home finance company, who she had worked with before. Because I work, it is hard to find a company who works beyond the 8-5.  I thought I’d take my chances and called at 6:00 p.m.  To my surprise, the phone was answered, and I was asked some general questions.  I was then transferred over to Peter who got some additional information and told me he’d call back in about 15 minutes.  I thought yeah right.  Sure enough, the phone rang a little while later, and was told I was approved.  I was given an interest rate, payment, and things I would need to provide.  I couldn't’ believe it.  Peter called my realtor the next morning and told her I was approved.
  A short two weeks later, everything was finalized and I was handed the keys. I now have a home to call my own, and the kids don’t have to share a room anymore, which is a blessing in itself!  Thank you again Peter. If anyone needs your services, I will definitely give you a referral.

  Kim S. – Anaheim, CA

JCF,

I originally called you when I wanted a loan for a single wide mobile home that I was going to buy and move to my property. The person I spoke to, explained that JCF did not finance homes that will be moved after financing and that all homes must be completely set-up before funding. The person I spoke to explained that the end cost of moving a mobile home is almost always much more expensive than the original quote by the mover. How much more expensive, I found that out the hard way and now understand why JCF won't touch them until there are moved and set-up.

Before getting a personal loan for this mobile home, I called and got a quote from a mover of $1,500.00, to move my single wide home 6 miles. I could afford that and the price was right. I paid for the home and then contacted the mover. This is where the nightmare started and I would never wish this on my worst enemy. The mover forgot to mention the price to move the home did not include hiring a tear down & set-up crew, a plumber and electrician. Nor did the mover mention all of the out of pocket monies that will need to be paid to the county planning department or the 2 full days in line. After 4 inspections, 70 days later, the home was finally signed off by the county. Final price tag for the move, $7,670.00, or $1,278 dollars for each mile moved.

My advise for anyone thinking of moving a mobile home, just say "NO".

Steven Coons
Medford, OR - Private Land

Hey Everybody,

Just completed refinancing my manufactured home with JCF, great rate and excellent service. My only bitch is that principal payments need to be mailed in, why don't they have an online system for this, everythiing else is online or automatically deducted?

Ryan Mullier
Ocala, FL - Mobile Home Park

Kathy,

I can work with anal, as long as it comes with a great rate. My old lender was Vanderbilt Mortgage, I called a dozen places on the internet, all said they could not help because they had a no compete agreement with Vanderbilt Mortgage . JCF was the first one to not care and we got an incredibly low interest rate with them. I am happy and I strongly recommend them.

Tom Fisher
Phoenix, AZ - Mobile Home Park

Hey Leonard,

Got one up on you, I called JCF Lending Group and was declined in less than 2 minutes, as they consider trying to finance a home for my son "High Risk" and would not even consider it. I would have gladly waited a few days for an approval. This company is anal, with their ZERO risk policies.

Kathy Moiser
Klamath Falls, Oregon - Home Buyer

I normally do not normally write comments about companies, unless I am complaining about something. This is the exception to the rule. One Saturday, I started shopping online for a loan to purchase a manufactured home in California. The home was located in a manufactured home park where you don't own the land you lease the land. I am writing to give praise to JCF for a few specific reasons. Rates, they are the ONLY lender that I could find that actually posts their rates. The other web sites wanted me to complete an application, run my credit, then get back to me in a few days. without a hint at the rate they could offer. Unfortunately, I did this on several sites, I learned a valuable lesson, if they don't post their rates, they are not proud of their rates. On that same Saturday, I called JCF and was approved in 20 minutes, the agent even apologized for taking an extra 5 minutes to call back, as they promise 15 minutes. I was approved for a very attractive rate, however I explained that I was just shopping, the agent was fine with that and said to contact him when I was ready. He also did something thing that really surprised me, he offered to fax my credit report to any other lender that I authorized, so that my credit score would not drop due to inquiries, talk about confidence. I had previously applied to 4 other sites, only 2 replied back several days later, quoting a much higher rate. I could never reach the other 2 lenders, all I got was voice mail and that was never returned. As you might of guessed I went with JCF, and I was very pleased with them, for my number one pet peeve, contact. I called JCF numerous times and only got voice mail 1 time. Now, if you have never purchased a home, let me tell you, there is a lot involved and without the great service that I received I would have pulled my hair out. My realtor also commented on the availability of my agent, how unusual it was to always speak to a live person. Finally I am not saying everything went totally smooth, we had a few bumps in the road, but I would give JCF a 8 out of 10 rating.

Leonard Wiseman
San Diego, California - Manufactured Home Community