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We offer both fixed and variable rate manufactured & mobile home financing, no pre-payment penalties, no application fees and we are proud to be an South Carolina Equal Housing Lender since 1994. Headquartered in Las Vegas, Nevada, JCF Lending Group specializes in the financing and refinancing of mobile, modular and manufactured home mortgages in all counties throughout the State of South Carolina. While not all lenders finance manufactured homes, some may offer Fannie Mae’s MH Advantage® program, which allows buyers to finance manufactured homes over 30 years with down payments as low as 3%. To qualify, however, your home will need to fit very specific criteria. We are a home only lender, providing South Carolina mobil home financing for homes not attached to real property by way of deed or title. We do not finance South Carolina mobil homes and land, just the South Carolina mobil home.
Let Lexington Discount Homes help you find the perfect loan. Fill out the quote form to get in contact with our team of professionals so they can best serve your financing needs. We like to think of ourselves as problem-solvers for our customers. No matter where you are in the process of buying a hom... Exceptions made for vacation homes on a case by case basis. From application to closing, all from the palm of your hand.
South Carolina Mobile Homes
Let’s explore each one and some of the requirements plus the pros and cons that come along with them. By pressing "Get Contacted" you agree that manufactured housing professionals may call, text, or email you a quote, request more information about your inquiry, and/or to discuss financing options. This comparison is not permitted where disallowed by state law, including but not limited to any real property mortgage loan in states that disallow it without a license. Need South Carolina 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 loan 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.
The manufacturedor mobile homes that we can finance in South Carolina are considered personal property, not real property and/or real estate. These homes are titled through South Carolina Department of Motor Vehicles, and all escrow and/or closing functions will be handled by us, not a 3rd party escrow company, as in real estate transactions. JCF Lending Group finances mobile homes, broken into three categories, manufactured homes, modular homes and park "RV" models. We can finance single and multi-section homes as follows, single section homes can be no older than 20 years. All homes must be in good condition, and must not need major repair, to include roofing, skirting, siding and carpeting.
List of Services
JCF Mobile Home Solutions is a licensed mobile home dealer in the state of SC and is a leading authority on South Carolina Mobile Homes. Our love for the communities we live and work in is why we do what we do. Financing your mobile home is quite similar to financing a traditional options.
Most of our customers live in mobile home parks, manufactured home communities or rented/family land situations. Mountainside Financial also offers a free South Carolina mobile home loan quote with no obligation. We offer the widest variety of programs to choose from at low interest rates. We offer mobile home loan programs to homeowners in South Carolina where the manufactured home and the land are financed separately. The majority of our customers live in South Carolina's better mobile home parks or in leased lot communities. You may also qualify for an South Carolina JCF Lending Group or South Carolina Mobile Home Loan if your home and land are not tied together by deed or title.
Mortgage Loans
Our team and our investor partners specialize and understand the specifics of factory-built home lending and manufactured home loans. If there is land or acreage involved in your transaction, we are not the lender for you. JCF is not licensed in SC to finance land or the combination of land and manufactured home. We can only finance the home when it has not been deeded together with land.
An appraisal may or may not be required, depending on the NADA book value of the home and the amount you plan to finance. An inspection is always required on every SC mobile home financing loan. An inspection will give the overall condition of the home, and additional options of the mobile home, such as decking, awnings, garages, etc. If we have enough value booking the home out using the inspection, an appraisal is not required. An appraisal is required if we do not have the value using the above method. Appraisals take into account recent sales from the same community, and surrounding area to determine the market value.
We’ve streamlined the mortgage process, close in 30 days or less.
Department of Agriculture, this program was designed to help people realize their dreams of home ownership and stimulate housing in less developed areas. We know there is no one-size-fits-all financing solution when it comes to buying or refinancing a home, and we work hard to make sure we have a variety of home loan programs in South Carolina. This list is for informational purposes only, and not to be considered a recommendation of any particular lender.
The best South Carolina manufactured home financing rate can be obtained in most cases at a 15 year term. Eligibility is based on both the borrower and the property. For the borrower this includes credit history, income, assets, other debts and financial obligations as well as other criteria. For example this limit will be much higher in higher cost parts of the country and lower in more affordable areas.
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Copyright Charleston Trident Multiple Listing Service, Inc. Before securing your loan, you should decide what type of manufactured home you’re looking for.
E are able to offer the lowest South Carolina mobil home finance rates possible along with a Variety of South Carolina mobil 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 Lender. Mobile homes in South Carolina also qualify for government-insured loans by FHA . Keep in mind manufactured homes that qualify for FHA are typically affixed to a permanent foundation and must pass FHA requirements. Search our wide selection of manufactured home lenders that can assist you with your manufactured home financing needs.
Buyers are often surprised to learn that homes in fairly populated locations qualify for USDA mortgage financing. For more information, use our mortgage education center or read details on our loan programs. So, applying for a mortgage loan can be a great option to finance your mobile home. We exist to provide homeownership opportunities and the financing needed to get buyers their own piece of property. Our mission is to serve our customers with honesty, integrity and competence.
JCF Lending Group offers SC mobile home financing for used and/or pre-owned manufactured & mobile homes. We are a home only South Carolina lender, providing manufactured & mobile home financing for homes not attached to real property by way of deed or title. You may also qualify for a JCF Lending Group SC mobile home finance loan if your home and land are not tied together by deed or title. JCF is a unique lender in that we only finance the manufactured, mobile, or modular home, not the land it sits on.
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