We are one of the few lenders that can provide Michigan single wide manufactured home finance, and manufactured home finance 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 get you the best loan and rate for your manufactured home finance needs. Closing costs can be financed into the loan to reduce the need for additional out of pocket money.
Our Michigan manufactured home finance loan programs offer some of the lowest manufactured 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 Michigan manufactured home finance, 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.
No Borrowed Down Payments. Source must be Seasoned Funds or Gift.
COMMON MICHIGAN FINANCE QUESTIONS
Q: I See that You Must Have Good Credit. What if My Credit is Bad or Poor?
A: JCF only offers Michigan manufactured home loans to consumers with good or excellent credit.
Q: Does JCF offer Michigan Land/Home Combination Finance?
A: No, JCF does not finance land or land & home combinations. We are a home only lender.
Q: I Want to Buy and Move a Manufactured Home onto My Property in Michigan, Can JCF Help?
A: No, JCF will not finance a manufactured home that will be moved after finance.
Q: Can JCF Help me Purchase a Manufactured Home from a Michigan Dealer?
A: Only when the Dealer is acting as a listing agent for a homeowner. We do not finance new homes or homes that are coming from the dealers inventory. If the home must be moved, we cannot help.
Q: Is there an Application Fee to Apply with JCF in Michigan?
A: No. We do not charge application fees.
Q: Does JCF offer 100% Michigan Manufactured Home Finance?
A: No. All customers must have a minimum of 5% down of the selling price. Best rates available with 20% down.
Q: Does JCF Accept Co-Signers on their Michigan Loans?
A; No. All persons applying must live in the home with the exception of vacation homes.
Q: Do I Need a Michigan Realtor to Use JCF Lending Group?
A: No. JCF will work directly with buyers and sellers. We provide all of the closing documentation necessary.
Q: Is 3rd Party Escrow mandatory when Finance a Manufactured Home in Michigan?
A: No, All escrow functions will be handled internally by JCF's Documentation Department.
Q: I Would Like to Help My Family Member Buy a Manufactured Home. Can JCF Help?
A: No, JCF does not finance homes purchased for friends or relatives.
Q: How Long Does It Take to Be Approved for Manufactured Home Finance in Michigan?
A: By Phone in as Little as 15 minutes. Online applications take 12 – 24 hours.
Q: Are JCF's Michigan Manufactured Home Loans Assumable?
A: No, our loans are not assumable.
Q: Are there any Pre-Payment Penalty Fees on Your Michigan Manufactured Home Loans?
A: No, although closing costs and escrow fees are non-refundable. Our loans carry no prepayment penalties.
Q: What Terms do Your Michigan Manufactured Home 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 a Michigan Manufactured Home Loan?
A; From application to funding, normally occurs within 2-3 weeks, depending on the State.
Q: Is JCF Affiliated with 21st Mortgage or Vanderbilt Mortgage?
A: No. They are friendly competitors, there is no relationship present.
Q: Do Your Michigan Manufactured Home Loans Require an Appraisal or Inspection?
A: Normally either an inspection or appraisal will be required.
If your questions have not been answered, please contact us.
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