ALABAMA MOBILE HOME REFINANCE
ALABAMA MOBILE HOME REFINANCE
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  Rates As Low As: 4.119%*

ALABAMA MOBILE HOME REFINANCE
ALABAMA MOBILE HOME REFINANCE
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ALABAMA MOBILE HOME REFINANCE - JCF LENDING GROUP

ALABAMA MOBILE HOME REFINANCE

ALABAMA MOBILE HOME REFINANCE JCF Lending Group offers Alabama Mobile Home Refinance, 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 Alabama mobile homes and land, just the manufactured home. The majority of our customers live in Alabama 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 Alabama 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 Alabama 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 manufactured home refinancing, or a mobile & manufactured 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.

ALABAMA MOBILE HOME REFINANCEPROGRAM 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)
  • 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.
  • HOME QUALIFICATIONS

  • Alabama Mobile Home Can Not Be In Need of Major Repairs.
  • Alabama Mobile Home Must Exceed 600 Square Feet. No Park Models.
  • Alabama Mobile Home Must Be On Existing Lot and Have Skirting.
  • Alabama Mobile Home Must be Primary Residence or Vacation Home.
  • Alabama Mobile Home Must Be Located on Rented, Leased or Family Land.
  • 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)

    COMMON QUESTIONS

    ALABAMA MOBILE HOME REFINANCE

    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 Alabama 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 Alabama 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 manufactured homes.

    Q: Is  3rd  Party Escrow mandatory on Chattel Alabama 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 Alabama 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 Alabama Mobile Home refinancing?
    A: By Phone in as Little as 15 minutes, online applications take 12 – 24 hours.

    Q: Are JCF Lending Groups Alabama Mobile Home Refinance Loans Assumable?
    A: No, our refinance loans are not assumable.  

    Q: Are there any Pre-Payment Penalty Fees on Your Alabama 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 Alabama 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 Alabama 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 Alabama 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 Alabama Mobile Home Loan?
    A: Yes. As noted above we are competitors.

    Q: Does Alabama 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  Alabama 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 Alabama 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 Alabama mobile home finance rates possible along with a Variety of Alabama 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.

     

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