JCF Lending Group provides mobile home loans, for both financing and refinancing. Founded in 1994 for the sole purpose of providing mobile home loans for consumers that live in or want to purchase a manufactured home. We have limited our business to customers who reside in mobile home parks or communities or on family, leased, rented or owned land.
JCF offers mobile home financing and manufactured home refinancing to customers with good to excellent credit. Our specialty is a "Chattel Mortgage", which refers to a mobile or manufactured home loan, where only the home will be financed. We can help with purchase or refinance, but only when the land is not invloved in the transaction. JCF is able to offer our manufactured home customers who wish to refinance their current loan some of the lowest mobile home loan rates in the nation.
We also offer mobile home financing to qualified consumers who wish to purchase a mobile or manufactured home with as little as 5% down. Our qualified staff, with over 30 years of experience in the manufactured home industry will walk you through every step of the mobile home loan process.
JCF offers mobile home financing and manufactured home refinancing to customers with good to excellent credit. Our specialty is a "Chattel Mortgage", which refers to a mobile or manufactured home loan, where only the home will be financed. We can help with purchase or refinance, but only when the land is not invloved in the transaction. JCF is able to offer our manufactured home customers who wish to refinance their current loan some of the lowest mobile home loan rates in the nation.
We also offer mobile home financing to qualified consumers who wish to purchase a mobile or manufactured home with as little as 5% down. Our qualified staff, with over 30 years of experience in the manufactured home industry will walk you through every step of the mobile home loan process.
Services
About Us
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From the original founding date in 1994 to present time, JCF's goal has and will continue to be to provide the lowest rate and fee combination mortgage to homeowners living in manufactured, mobile, and modular homes.
As of 2008, JCF added Park Model "RV" financing to the arsenal of loan programs, once frowned upon due to the industry RV label.
We now offer purchase financing, straight refinance, consolidation refinancing and cash out financing.
JCF is recognized as the first provider and/or originator to provide refinance loans for manufactured home owners living in mobile home parks and leased lot manufactured home communities in the Western United States.
As of 2008, JCF added Park Model "RV" financing to the arsenal of loan programs, once frowned upon due to the industry RV label.
We now offer purchase financing, straight refinance, consolidation refinancing and cash out financing.
JCF is recognized as the first provider and/or originator to provide refinance loans for manufactured home owners living in mobile home parks and leased lot manufactured home communities in the Western United States.
FAQ's
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Q:What Mortgage Score is Needed for a Mobile Home Mortgage?
A: JCF Lending Group uses credit scores that utilize a mortgage algorithm, which are normally much higher than a standard credit score found on Credit Karma for example.
Overall, we require a minimum mortgage score of 660 for purchase and refinance.
However it is important to point out that higher scores may be required for certain circumstances, considered high risk.
Q: What does the Credit Score Represent?
A: Although still called a credit score, the scores we use have an algorithm that reflects the likelihood that a person will make a mortgage payment in a timely fashion.
A: JCF Lending Group uses credit scores that utilize a mortgage algorithm, which are normally much higher than a standard credit score found on Credit Karma for example.
Overall, we require a minimum mortgage score of 660 for purchase and refinance.
However it is important to point out that higher scores may be required for certain circumstances, considered high risk.
Q: What does the Credit Score Represent?
A: Although still called a credit score, the scores we use have an algorithm that reflects the likelihood that a person will make a mortgage payment in a timely fashion.
Purchase
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JCF Lending Group offers Manufactured & Mobile Home Financing Programs for New & Used homes located in mobile home parks, manufactured home communities and on private land where the land and the home will not be financed together The homes that we finance must be titled and will be your primary residence or vacation home.
We will provide the quickest financing approval possible, sometimes within 15 minutes and let you know exactly the manufactured or mobile home financing program we can offer.
Then it's up to you to make the decision.
We will provide the quickest financing approval possible, sometimes within 15 minutes and let you know exactly the manufactured or mobile home financing program we can offer.
Then it's up to you to make the decision.
Refinance
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JCF Lending Group offers Mobile & Manufactured Home Refinancing Programs for homes located in mobile home parks, manufactured home communities and in cases where the land and the home are financed separately.
The homes that we refinance must be titled in your name and must be your primary residence or vacation home.
We have designed our refinance programs to make sense, lending only to those with good to excellent credit.
Your current mortgage must be in good standing with a positive payment track record.
The homes that we refinance must be titled in your name and must be your primary residence or vacation home.
We have designed our refinance programs to make sense, lending only to those with good to excellent credit.
Your current mortgage must be in good standing with a positive payment track record.
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