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JCF LENDING
GROUP - MOBILE HOME LOAN PROVIDER
 JCF Lending Group
is a mobile home loan provider and was founded in 1994 with the sole
purpose of providing manufactured & mobile home loans
Nationwide. JCF Specializes in Chattel Mortgages, a term used when
referring to a loan on a Mobile or Manufactured Home where the land
is not a factor and only the Mobile Home will be financed. JCF is a
home only loan provder and proud of it. JCF is here for you, providing
the best rate & term mobile home financing available today.
The majority of our customers
live in mobile home parks or in leased lot
communities. You may also qualify for a JCF Lending Group mobile
home loan if your home and land are not tied together by deed or
title. We also may be able to provide manufactured home finance if the home sits on a relatives
land.
 We are able
to offer the lowest lender direct mobile home loan rates possible
along with a Variety of Mobile Home Loan Programs to meet the needs
of a Nation. We will easily guide you through the 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 Loan Provider. We
We will
provide the quickest Approval possible, sometimes within 15 minutes
and let you know exactly the manufactured or mobile home loan we
can offer. Then it's up to you to make the decision. We are open
from 7:00 AM - 7:00 PM PST, Monday thru Friday, and on Saturdays
8:00 AM - 3:00 PM PST. We also have "Live Help" operators standing
by 24/7, helping both existing and new customers get the answers to
the questions they may have, all in real time. No waiting on
email.
 MANUFACTURED & MOBILE HOME
FINANCING
Need mobile home financing - Whether you are considering
buying a used mobile home or buying a new manufactured Home, JCF
Lending Group will find a mobile home
mortgage that's right for you. The type of mobile home loan
received depends of several different factors, the year of the
mobile home and current value is a strong factor, as is the credit
of the applicant and the monthly Income.
Once the mobile home loan is
approved, the amount of the down payment determines the interest
rate offered. As an example, a 10 or 20 percent down will offer a
better rate than 5 Percent Down. Our terms vary from 7 years to 25
years, depending on the program you choose. The best manufactured home financing rate can be obtained in most
cases at a 15 year term .
MOBILE & MANUFACTURED HOME
REFINANCING
Need manufactured home refinancing
- By adjusting your current Interest Rate and the number of
remaining loan payments, many things can be accomplished. Savings
can be great and long term savings even better. Reduced monthly
payments and thousands of dollars of savings are a few of the
possible benefits of mobile home refinancing
or that low rate manufactured home
loan.
If the manufactured home is
in good condition and there is a sufficient amount of equity in
your home, additional options such as an equity cash-out and debt
consolidation manufactured home mortgage can
be an option. Our Staff will quickly ascertain whether manufactured
home refinancing will be beneficial. Our goal is to make sure each
and every customer is offered the right mobile home finance
option.
MOBILE HOME
FAQ's
Q: Do
you finance both mobile homes & manufactured
homes?
A: Yes. JCF offers financing for both mobile homes and manufactured
homes. We should point out that the majority of people refer to
manufactured homes as mobile homes, as do many industry
professionals. To be clear, mobile homes were built from 1970 until
July of 1976, after that all homes built are consider manufactured
homes. We also hear a lot of people refer to modular homes, when
they are actually referring to manufactured homes. In reality
modular homes are considered stick built structures and are
assembled at the home site, not a factory, as with manufactured
homes.
Q: I
have less than perfect credit, can JCF help?
A: Not in most cases. JCF lends to consumers with good to excellent
credit. As you can see, JCF Lending Group offers the lowest rate
manufactured & mobile home loans in the Nation. We can only do
this by limiting our risk factor. Most lenders that had lent on
poor credit are no longer in business. There are still a few
lenders that will consider fair or poor credit.
Q: Can I use a Co-Applicant to qualify with JCF Lending
Group?
A: Yes, as long as the Co-Applicant will be residing in the home.
We do not allow friends or relatives that will not live in the home
to Co-Sign on our mobile home loans. All applicants must live in
the home that will be financed. We do however offer a limited "Buy
For Program" that may allow a relative to purchase a home for
another relative. The home must be in a park or leased lot
community and the person that will live in the home must be
approved by the park or community prior to the funding of the
mobile home loan.
Q: Does JCF offer land & mobile home
financing?
A: No. JCF is a mobile home only lender and we are not licensed to
finance land or the combination thereof. When the home is tied to
the land by way of deed, it becomes real property and/or real
estate. JCF is a Chattel Mortgage Lender, our mobile home mortgages
are considered personal property loans. It is important to point
out that our mortgages still have the same interest write off's as
do real property mortgages. See your tax professional for more
information.
Q: My manufactured home is in a park and/or on leased land.
Can JCF help me?
A: Yes. JCF specializes in this type of mobile home financing.
Since 1994, JCF has been offering both mobile home financing and
manufactured home refinancing for consumers living in mobile home
parks & manufactured home communities where the lot is rented
or leased. Again, this type of mortgage is called a Chattel
Mortgage. We consider ourselves the number one lender for this type
loan.
Q: Can JCF help me finance a brand new manufactured home
from a dealer?
A: Yes, as long as the home is currently set up in a park and/or
community and the home and dealer meet JCF requirements. If the
manufactured home will need to be moved from a dealers lot or will
be shipped from the factory, we are not the lender for you. The
dealer selling you the manufactured home should be able to provide
you with competitive financing.
Q: Does JCF Lending Group offer 100% mobile home
financing?
A: No. JCF requires that all customers put at least 5% down on the
home they wish to purchase. We do accept gifted down payments, but
we require that the person buying the home have at least half of
the down payment on hand, the other half can be gifted. If you are
using a gift as your down payment, please be advised that it must
truly be a gift and repayment not required. Additional down
payments can not be borrowed or provided by the Seller in the form
of a
contribution.
ABOUT JCF
LENDING
GROUP
Located in Las Vegas, Nevada, JCF Lending Group
specializes in the financing and refinancing of mobile, modular and
manufactured home loans Nationwide, with
specialized programs in 44
States.
With decades of combined
experience in the mobile and manufactured home industry, JCF
Lending Group provides loans for homes that are in parks, leased
land, family/private land where the home is not tied to the land by
a mortgage, deed or a trust. We are a niche mobile home lender and
proud of
it.
At JCF Lending Group our end
goal is to personalize each financial need to each customers
situation. Whether you are selling or buying a manufactured home or
refinancing your current mobile home, our experienced staff is
ready to
help.
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