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  Rates As Low As: 4.119%*

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NEW JERSEY MANUFACTURED HOME REFINANCING PROGRAM

NEW JERSEY MOBILE HOME LENDER JCF Lending Group offers New Jersey Manufactured Home Refinancing, for both Straight Refinance and Cash Out / Consolidation of Debt. We are a home only lender, providing New Jersey 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 New Jersey 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.

SAVE WITH NEW JERSEY MANUFACTURED HOME REFINANCING We are one of the few New Jersey lenders that can provide single wide New Jersey manufactured home refinancing, and New Jersey 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 New Jersey manufactured home refinancing programs offer some of the lowest mobile home loan rates in the country. All of our New Jersey 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 New Jersey manufactured home refinancing, or a 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.

Manufactured 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)
  • 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

  • Manufactured Home Can Not Be In Need of Major Repairs.
  • Manufactured Home Must Exceed 600 Square Feet. No Park Models.
  • Manufactured Home Must Be On Existing Lot and Have Skirting.
  • Manufactured Home Must be Primary Residence or Vacation Home.
  • Manufactured 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.
  • Minimum Equifax 660 Credit Score.
  • 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

    Manufactured Home Refinancing in 48 States

    Q: Does JCF offer 100% New Jersey Manufactured 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 New Jersey Manufactured 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 New Jersey 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 New Jersey Mortgage Broker to Use JCF?
    A: No. JCF will work directly with New Jersey consumers directly wishing to refinance their manufactured homes.

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

    Q: Are JCF Lending Group's New Jersey Mobile Home Refinance Loans Assumable?
    A: No, our refinance loans are not assumable.  

    Q: Are there any Pre-Payment Penalty Fees on Your New Jersey 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 New Jersey 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 New Jersey Manufactured 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: 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 New Jersey Manufactured 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 New Jersey Appraisers / Inspectors for  Manufactured Home Refinancing?
    A: Yes, we prefer that our customers use MH Values or Data Comp Appraisal Services.

    Q: Your New Jersey Manufactured Home Refinance Rates Seem Very Low. Why?
    A: We can keep our rates low because we only lend to consumers with good credit and do not have the repossession rate that other lenders face lending to consumers with lessor credit.

    If your questions have not been answered, please contact us.

     

    Mobile Home Lender
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