FLORIDA CO-OP COMMUNITIES · FINANCING
Financing your Florida co-op — even if your community isn’t on our list yet
We finance co-op shares in approved Florida communities. If yours isn’t one yet, tell us — we’ll check where it stands and look into what getting it approved would take. It’s a process, not a guarantee, but a real buyer’s interest is often what starts it.
Prefer to talk? Call (352) 580-6160.
Tell us about your co-op community
HOW CO-OP FINANCING WORKS
Why a co-op community has to be approved first
A co-op share isn’t an ordinary home loan. Because you’re buying a share in the community — not a lot — a lender has to review and approve the community itself before it can finance a share there. That’s why our community pages cover a specific set: the Florida co-ops already approved. If yours isn’t among them, it doesn’t mean the door is closed — it means the community hasn’t been through that review yet. Tell us about it and we’ll find out where it stands.
Approved or not, the starting point is the same — which community, and what’s your situation. From there we can tell you whether a share loan is available today, or what getting the community approved would involve.
THE PROCESS
How a co-op community gets approved
Approval is a community-level review, handled between the community and the lender — not something an individual buyer does alone. Here’s the shape of it.
01
Tell us the community
You name the co-op and your situation. We check whether it’s already approved — many are.
02
The documents get reviewed
If it isn’t approved yet, the review looks at the community’s governing documents and financials. The board provides them; we help coordinate.
03
A decision, then a share loan
If the community is approved, a share loan can be arranged there like any other — and the usual co-op eligibility applies, including homes built as far back as 1970. Approval typically takes several weeks and isn’t guaranteed, but genuine buyer demand is often what gets it moving.
Part of our Florida co-op share financing across approved resident-owned communities.
HONEST EXPECTATIONS
What to expect — and what we won’t promise
We’d rather be straight with you than get your hopes up.
A few honest points
We can only make a share loan once the community is approved
Getting a community approved typically takes several weeks — not a few days
It depends on the community’s documents and finances — outside any one buyer’s control
It is not guaranteed
What helps most: a real buyer, a willing board, and time
Naming your community costs nothing and tells us where to start
WHY ATLANTIC
Why bring your co-op community to Atlantic
Atlantic Mortgage & Finance Corp. (NMLS #3915) is a Florida-licensed mortgage broker that has specialized in co-op share and resident-owned community financing since 2007. We know how community approval works, we finance shares across a long list of approved Florida co-ops, and when a community isn’t on that list yet, we’re willing to look into what it would take. Most lenders won’t.
Specialized in co-op communities since 2007
Financing across many approved Florida co-ops
We look into approvals where there’s real demand
Michael Dorosko — Ocala Branch Manager · NMLS #22951 · 25+ years in lending.
Already in an approved community?
If your co-op is one of the Florida communities we already finance, you don’t need this page — see our Florida co-op share financing, find your community, or just call.
Not actually a co-op share?
If you’d own your home on a rented or leased lot rather than a share in the community, that’s a different loan — see manufactured home loans on leased land in Florida.
COMMON QUESTIONS
Co-op community approval — common questions
Can you finance a co-op share in any Florida community?
Only where the community has been approved. We finance shares across a long list of approved Florida co-ops; if yours isn’t on it, we can look into getting it reviewed. No approval is implied until underwriting.
My community isn't on your list — does that mean no?
No. It means the community hasn’t been through the approval review yet, not that it can’t be. Tell us about it and we’ll find out where it stands.
How long does getting a community approved take?
It typically takes several weeks — not a few days — because it depends on the community’s documents and finances, and it isn’t guaranteed. A committed buyer and a willing board are what move it fastest.
What do you need from me to start?
Just the community’s name and where it is, plus a little about your situation. That’s enough for us to check its status and tell you the next step.
Does it cost anything to ask?
No. Naming your community and asking where it stands costs nothing and doesn’t commit you to anything.
Who actually gets the community approved?
It’s a community-level review between the community and the lender, using the co-op’s governing documents and financials. The board provides them; we help coordinate. It isn’t something a buyer does alone.
If the community is approved, what kind of loan is it?
A co-op share loan — financing your share in the community, since a co-op member owns a share and a proprietary lease rather than a deeded lot.
What if approval doesn't come through?
Then a share loan there isn’t available, and we’ll tell you honestly rather than string it along — and point you to any approved community or other option that might fit.
Browse the Florida co-op communities we already finance on our Florida co-op share financing hub, or tell us about yours and we’ll look into it.
Tell us about your co-op community
Call (352) 580-6160 or request a callback. Name your community and we’ll tell you where it stands — and what it would take.
No approval is implied until underwriting.