MODULAR HOME REFINANCING
MODULAR HOME REFINANCING
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  Rates As Low As: 4.119%*

MODULAR HOME REFINANCING
MODULAR HOME REFINANCING
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MODULAR HOME REFINANCING - JCF LENDING GROUP

MODULAR HOME REFINANCING

MODULAR HOME REFINANCING JCF Lending Group offers Manufactured & Modular Home Refinancing, for both Straight Refinance and Cash Out / Consolidation of Debt. We are a home only lender, providing manufactured & modular home refinancing for homes not attached to real property by way of deed or title. We do not refinance modular homes and land, just the modular home. The majority of our customers live in modular 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 modular home refinancing, and modular 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 & modular home refinancing programs offer some of the lowest modular 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 modular home refinancing, or a manufactured & modular 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.

MODULAR HOME REFINANCINGPROGRAM 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.
  • HOME QUALIFICATIONS

  • Modular Home Can Not Be In Need of Major Repairs.
  • Modular Home Must Exceed 600 Square Feet. No Park Models.
  • Modular Home Must Be On Existing Lot and Have Skirting.
  • Modular Home Must be Primary Residence or Vacation Home.
  • Modular 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)

    COMMON QUESTIONS

    MODULAR HOME REFINANCING

    Q: Does JCF offer 100% Modular 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 Modular 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 Modular 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 modular homes.

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

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

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

    Q: Does Modular 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  Modular 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 Modular 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 lender direct modular home loan rates possible along with a Variety of Modular Home Loan Programs to meet the needs of a Nation. We will easily guide you through the modular home loan process, providing you with whatever level of service you require. We offer Fixed Rate financing, No Pre-Payment Penalties, No Application Fees and we are Proud to be an Equal Housing Lender. We provide modular home loans 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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