CLEARWATER AREA · CO-OP SHARE FINANCING
Co-op share financing for Clearwater manufactured home communities
The Clearwater area has two established 55+ manufactured-home cooperatives along the US-19 corridor — communities where buying means buying a co-op share or membership, not a standard mortgage. That’s what we specialize in.
Prefer to talk? Call (352) 580-6160.
THE CLEARWATER MARKET
Co-op and resident-owned communities in the Clearwater area
The Clearwater area in Pinellas County holds two established 55+ manufactured-home cooperatives along the US Highway 19 North corridor — roughly 870 to 900 homes between them, where residents collectively own the community rather than renting a lot. Buying a home in either one means buying into that cooperative — and one of them, Doral Village, even lets buyers choose whether to purchase with or without a membership share.
That cooperative structure is why these purchases need a co-op share loan rather than a conventional mortgage — most banks and credit unions simply don’t have a program for it. Atlantic Mortgage does; it’s a core part of our practice.
CLEARWATER CO-OP DIRECTORY
Clearwater-area co-op communities we finance
Bay Aristocrat Village
A 55+ resident-owned share cooperative of approximately 361 to 362 homes, waterfront on Old Tampa Bay — private boat ramp, canals, and two fishing piers, about five miles from St. Pete–Clearwater Airport. Homes sell with a co-op share.
Doral Village
A 55+ resident-owned cooperative of approximately 507 to 531 homes on 69 acres in Pinellas County, with a heated pool, jacuzzi, and clubhouse. Unusual among co-ops: homes here can be purchased with or without a membership certificate — nearly 60% of residents own one.
Co-op communities in nearby Pinellas County areas
Looking beyond Clearwater? We also finance co-op and resident-owned communities across Pinellas County. See our Largo co-op communities and Pinellas Park co-op communities.
Not every co-op listing includes a share — and some Clearwater-area buyers are shopping traditional lot-rent parks. Either way, the financing is different: leased-land manufactured home financing. Atlantic Mortgage arranges both. Already own in a Clearwater-area co-op? Refinance options, including cash-out, may be available in approved communities — call (352) 580-6160.
WHY ATLANTIC
Why work with Atlantic Mortgage on a Clearwater co-op purchase
Atlantic Mortgage & Finance Corp. (NMLS #3915) is a Florida-licensed mortgage broker that has specialized in manufactured and mobile home financing since 2007. Co-op share loans — the program most brokers decline — are a core part of our practice. We confirm approved status, ownership structure, and whether a specific home conveys with membership up front, so your file is on the right track from day one.
If your community is on the approved list and your scenario fits, we’ll tell you plainly. If it doesn’t, we’ll tell you that too.
Michael Dorosko — Ocala Branch Manager · NMLS #22951 · 25+ years in lending.
Get a straight answer on Clearwater co-op financing
Call (352) 580-6160 or request a callback from a licensed Florida co-op share specialist.
No approval is implied until underwriting.
Atlantic Mortgage & Finance Corp. · NMLS #3915 · Licensed mortgage broker · Equal Housing Opportunity. All co-op communities listed are confirmed on the approved community list at time of publication; approval status is subject to change. No approval is implied until underwriting is complete.
Michael Dorosko — Ocala Branch Manager · NMLS #22951 · 25+ years in lending.