Mobile Home Financing
       4.119%*

MOBILE HOME FINANCING BY JCF

MOBILE HOME FINANCING HIGHLIGHTS

• Approvals in 15 Minutes. (Phone Only)
• Used Mobile Home Finance with as Little as 5% Down.
  
• Terms from 7 - 25 Years.
  
• Homes 1977 or Newer.
• Minimum Loan Amount $20,000.00, Maximum Loan Amount $500,000.00.
• Minimum Equifax/Beacon Credit Score 660.
• All Finance Programs Offer Fixed Rates with No Prepayment Penalty.
• Closing Costs Can be Financed.
• Down Payment May be Gifted. (10% Minimum Down Required)
• Zero Application Fees.

MOBILE HOME QUALIFICATIONS

• Home Can Not Need Major Repairs or Need Deferred Maintenance.
  
• Home Must Exceed 600 Square Feet and Minimum 12 Feet Wide.
  
• Must be Primary Residence or Vacation Home, No Rentals Allowed.
  
• Home Must be On Existing Lot and Have Skirting with Utilities Intact.
  
• Located on Rented/Owned Land that is Not Tied to the Home by Deed.
  
• Minimum Loan Amount $20,000.00. Maximum Loan Amount $500,000.00.
  
  CUSTOMER QUALIFICATIONS
  
  
• Must Be Legal U.S. Resident, with Verifiable Documentation.
  
• Must Have 5 Year Credit History, with a Previous Car Loan.
  
• Must Have Good to Excellent Credit. No Poor or Fair Credit.
  
• Two Year Work History, Unless Retired. Must be Verifiable.
  
• Cannot Be In Credit or Debt Counseling. Must be Completed.
  
• No Bankruptcy or Foreclosure Within 4 Years of Discharge Date.
  
• Income Must be Verifiable. (No Stated Income Programs are Available)
  
• Minimum Down Payment is 5% of Selling Price, Depending on Year.
• No Borrowed Down Payments. Source must be Seasoned Funds or Gift.
  

MOBILE HOME FINANCING FAQ's

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 or excellent credit.

Q: Does JCF offer Land/Home Combination Financing?
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 Mobile Home onto My Property, Can JCF Help?
A: No, JCF will not finance a mobile or manufactured home that will be moved after financing.

Q: Can JCF Help me Purchase a Mobile Home from a 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?
A: No. We do not charge application fees.

Q: Does JCF offer 100% Mobile Home Financing?
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 Loans?
A; No. All persons applying must live in the home with the exception of vacation homes.

Q:  Do I Need a 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 on JCF Mobile Home Loans?
A:  No, with the exception of California, where escrow is required. All escrow functions will be handled internally by JCF's Documentation Department.

Q: I Would Like to Help My Family Member Buy a Mobile 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 Mobile Home Financing?
A: By Phone in as Little as 15 minutes. Online applications take 12 – 24 hours.

Q: Are JCF's Mobile Home Loans Assumable?
A: No, our loans are not assumable.  

Q: Are there any Pre-Payment Penalty Fees on Your Mobile Home Loans?
A: No, although closing costs and escrow fees are non-refundable. Our loans carry no prepayment penalties.

Q: What Terms do Your Mobile 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 Mobile 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 Mobile Home Loans Require an Appraisal or Inspection?
A: Yes, an inspection is always required. In some cases, an Appraisal/Inspection combination will be required.

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

We are able to offer the lowest mobile home finance rates possible along with a Variety of 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 Provider.

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