Mike Dorosko

A Florida Manufactured Home Specialist Since 2001

Mike Dorosko has been arranging manufactured home loans in Florida since 2001. As the Branch Manager of Atlantic Mortgage and Finance Corp.’s Florida operations — based out of the Ocala office at 46 SW 1st Ave, Ste 2 — Mike leads the day-to-day work of helping Florida buyers and homeowners navigate a corner of the mortgage market that most lenders avoid.

That corner is manufactured home financing. Chattel loans for homes on leased land. Co-op share programs for resident-owned communities — including pre-1976 homes built in 1970 or later in approved ROCs. Land + home loans. Single-wide financing. The niche programs that don’t fit standard bank or credit union playbooks — and that, as a result, leave most Florida manufactured home buyers without good options until they find a specialist.

Mike has been that specialist since 2001. He works with borrowers other lenders have turned away, files that automated underwriting systems decline at first glance, communities that don’t show up in mainstream loan products, and homes that fall outside the boundaries of conventional financing. Most of these scenarios have a working path. The challenge is knowing which path and how to position the file for the lender. That’s what Mike does.

From Rhode Island to Marion County

Mike is originally from Rhode Island, where Atlantic Mortgage and Finance Corp. is headquartered (Wakefield, RI). He relocated to Florida and now lives in Anthony, an unincorporated community in Marion County just north of Ocala — a part of Florida defined in significant measure by manufactured home communities, 55+ developments, and the kind of housing market Atlantic Mortgage specializes in.

This isn’t an abstract market for Mike. The Marion County communities, The Villages region across Sumter and Lake Counties, the Citrus and Hernando County parks, the Gulf Coast 55+ developments — these are his neighbors’ homes. Florida manufactured home lending is what he does, and Florida manufactured home communities are where he lives.

Mike is married with three children. When he’s not working with Florida borrowers, he’s at home in Anthony.

Credentials & Verifications

Licensed as: Michael Dorosko, NMLS #22951 — verify on NMLS Consumer Access
Florida-licensed: under the Florida Office of Financial Regulation
Company: Atlantic Mortgage and Finance Corp., NMLS #3915
Role: Branch Manager, Florida operations
Office: 46 SW 1st Ave, Ste 2, Ocala, FL 34471
Phone: 352-580-6160
Years in mortgage lending: 25+ years
Specialty: Florida manufactured home lending — chattel, co-op share, FHA/VA/USDA on qualifying scenarios, land + home, single-wide, refinance

What Mike Helps Florida Borrowers With

Mike’s day-to-day work covers the full range of Florida manufactured home financing scenarios:

• Chattel loans — financing for manufactured homes on leased land (parks, 55+ communities)
• Co-op share / ROC loans — share-loan programs for resident-owned communities, with home eligibility back to homes built in 1970 or later
• Leased-land manufactured home financing — the working programs for Florida park and community scenarios
• Land + Home loans — when the buyer is also purchasing or already owns the land
• Single-wide financing — programs that accept single-section manufactured homes
• Refinances across all of the above
• Files other lenders have turned away — Mike knows which specialty lender programs work for borrowers with explainable credit, income, or property issues, and how to position those files for approval

If you have a Florida manufactured home scenario and you’re not sure whether it can be financed — or you’ve been told no by other lenders — that conversation is exactly what Mike does.

Florida Communities Mike Works In

Mike originates manufactured home loans for borrowers across Florida — with particular depth in the regions where Florida’s manufactured home community density is highest:

• Marion County and Ocala area (home base): Ocala, Belleview, Silver Springs, Anthony
• Central Florida & The Villages region: Sumter County, Lake County, parts of Citrus and Hernando
• Gulf Coast / Tampa Bay: Tampa, St. Petersburg, Clearwater, Largo, Pinellas Park, Bradenton, Sarasota, Venice
• Southwest Florida: Fort Myers, Cape Coral, Punta Gorda, Port Charlotte, Naples
• Central Florida: Lakeland, Winter Haven, Polk County
• East Coast: Daytona Beach, Melbourne, Vero Beach
• Treasure Coast & South Florida: Stuart, Port St. Lucie, West Palm Beach
• Panhandle: Pensacola, Panama City, Tallahassee

Mike on YouTube — “Mobilehomemike”

Mike publishes Florida manufactured home lending content on the Atlantic Mortgage FL YouTube channel. The “Mobilehomemike” content series covers the realities of Florida manufactured home financing — what programs work, what programs don’t, how to qualify, what borrowers should expect, and the specific questions Mike gets asked again and again by Florida buyers.

Subscribe to the channel for new content, or browse the existing videos for answers to the most common Florida manufactured home loan questions.