Manufactured & Mobile Home Financing
Lowest Mobile Home Financing Rate: 6.49% APR*
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Welcome to JCF Acceptance, one of the Nations Leading Mobile Home lenders. We are proud to offer mobile home financing & manufactured home refinancing in 43 States. The mobile home loans provided by JCF are unique in that we ONLY provide mobile home
mortgages for manufactured homes located in:
• Mobile Home Parks & Manufactured Home Leased Lot Communities •
We can also provide mobile home financing in other instances where the manufactured home is not tied to the property by way of deed or title, where the mobile home and the land are not financed together.
Our manufactured home mortgages are considered Chattel mortgages, a term used when the land is not a factor, just the mobile or manufactured
home. If your manufactured home is located in a park, on leased or family land or has a separate mortgage on the land from that of the home, we are the
manufactured home lender for you.
JCF is proud to offer manufactured & Mobile home financing and refinancing 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 HAMPSHIRE, 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.
JCF provides manufactured home loans for mobile homes 1977 & newer, including single wide mobile home financing. We have a wide variety of manufactured home loan products such as a manufactured home mortgages, mobile home refinancing and low interest mortgages, including the option of cash out or debt consolidation on mobile homes 1992 and newer that are located in a mobile home park or manufactured home community.
In California, we offer a mobile home loan for double wide homes 1970 and newer and are one of the few manufactured home lenders that can provide a manufactured home refinance loan with the cash out/consolidation option for double wide homes 1977 and newer. JCF is here to make your dreams possible.
We also provide a manufactured or mobile home finance loan for your new or used mobile home purchase with as
little as 5% down. JCF also offers you the option of financing your first year of mobile home insurance and closing costs, making your new home purchase that much more affordable. If the mobile home you wish to purchase is in a mobile home park or community, JCF is the mobile home lender for you. If your goal is
refinance your mobile home mortgage for a lower interest rate or payment, you are in the right place. From coast to coast, JCF
Acceptance has a mobile home loan that is perfect for you.
For over a decade, JCF has been offering mobile home loans nationwide, combined with the industry's lowest
rate and fee combination on our manufactured home loans. Our knowledgeable staff has over 100 years of combined experience, helping in excess of 20,000
customers get the right loan to meet their needs. JCF Acceptance is at the forefront of mobile home lenders, in that we believe customer service makes for a
successful business, and as a result, we have become the leader in customer satisfaction across the board from first contact to final closing.
JCF Acceptance is committed to bringing you the absolute lowest interest rate and fee combination. We
want to say a special thanks to each and every one of our customers who brought their mobile home financing or refinancing needs to us and would like to ask
those of you currently looking for help with your mobile home mortgage needs to
experience the ease and enjoyment of doing business with us.
As we look to the future, JCF Acceptance maintains its commitment to offering you, our customer, the
highest
level of service possible, combined with the lowest mobile home mortgage rates available in the nation. We are proud to offer Live Help, and give you, the
customer, the ability to check your account, application and loan status online. We look forward to serving you. At JCF Acceptance, Expect Excellence!
FREQUENTLY ASKED QUESTIONS
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 Acceptance 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 less than perfect credit. They are 21st Mortgage and Vanderbilt Mortgage. It is also important to point out that these lenders do not accept down right bad credit. There are currently no national lenders accepting bad credit.
Q: Can I use a Co-Applicant to qualify with JCF Acceptance?
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 application for 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. For Land and Mobile Home Financing try Flagstar Bank.
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 Acceptance 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.
*Rate & APR Calculations - Represent used mobile home financing, excellent credit, with a 20% down payment. Example APR reflects all bank fees and closing cost paid by Seller. Rates subject to change without notice. All customers must meet JCF underwriting guidelines. Please see "Interest Rates & Programs" for more exacting details.
CLICK HERE TO APPLY NOW!
1314-B Center Drive #422, Medford, Oregon 97501 Phone: (800) 745-0607 Fax: (541) 512-1370 Alternate Fax: (541) 512-1243
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