Florida Co-Op & ROC Share Loans for Manufactured Homes

Bay Aristocrat Village — Clearwater

Clearwater Cascade — Pinellas Park

Colonial Village — Largo

Doral Village — Clearwater

Fairway Village — Largo

Four Seasons Estates — Largo

Golden Gate — Pinellas Park

Holiday Village — Seminole

Regency Cove — Tampa

Americana Cove — St Petersburg

Palm Hill — Largo

Paradise Island — Largo

Sunset Palms — Pinellas Park

Tarpon Shores — Tarpon Springs

Town and Country — Largo

Westwind I — Dunedin

Alameda Isles — Englewood

The Arbors — Osprey

Bradenton Tropical Palms — Bradenton

Chateau Village — Bradenton

Country Club Estates — Venice

Golf Lakes — Bradenton

Harbor Cove — North Port

La Casa — North Port

Lazy River Village — North Port

Leisure Lake — Palmetto

Oakwood Manor — Sarasota

Paradise Bay Estates — Bradenton

Sandalwood Park — Venice

Sandpiper Resort — Bradenton Beach

South Winds — Sarasota

Tropic Isles — Palmetto

Venice Isle — Venice

Village at Riverwalk — North Port

Westwinds Village — Bradenton

Windward Isles — Sarasota

Burnt Store Colony — Punta Gorda

Countryside Estates — Brooksville

Port Charlotte Village — Port Charlotte

Alligator Park — Punta Gorda

Horizon Village — North Fort Myers

Old Bridge Village — North Fort Myers

Orange Harbor — Fort Myers

Bayonet Point Village — New Port Richey

Caribbean Isles — Apollo Beach

Cedar Lakes — Cocoa

Emerald Lakes — Clermont

Lake Region — Haines City

Polo Park East — Davenport

Sleepy Hollow Mobile Estates — Zephyrhills

Spanish Trails West — Zephyrhills

Surf Side Estates — Beverly Beach

A co-op or resident-owned community (ROC) share loan is specialized financing for manufactured homes in communities where residents collectively own the land through a corporation. Instead of purchasing real estate, you purchase a corporate share in the co-op that grants you the right to occupy your lot under a proprietary lease. Because no real estate changes hands, conventional mortgage lenders cannot finance this transaction. Florida communities continue to be added to the program — call or text us to check your community’s status.

We maintain a current list of approved resident-owned communities (ROCs) across Florida — and that list continues to grow as new communities join the program. Communities span the Gulf Coast, Tampa Bay, Sarasota, Bradenton, Fort Myers, Punta Gorda, Port Charlotte, Central Florida, and the East Coast. Confirming your community is on the approved list is the single most important eligibility step — call or text us before doing anything else.

Requirements vary by occupancy type, community, and the overall strength of your file, and options may be available for a range of credit profiles. Every application is reviewed individually, and no approval is implied until underwriting.

Terms vary by program, occupancy, and the overall file, and every term is disclosed in writing before closing. Call to review what your scenario may qualify for.

Not necessarily. The share and home may be financed together in a single loan, or the share may be purchased separately with cash, or you may already own the share. If the share is being financed, it must be included in the loan transaction — the lender holds the original share certificate as collateral. Call to discuss your specific situation.

Debt-to-income requirements vary and are evaluated as part of full underwriting. The monthly cooperative assessment, taxes, and insurance are all factored into the housing ratio calculation. Call to review your specific numbers.

No. This program does not allow co-signers or buy-for arrangements. All borrowers must be owner-occupants.

If you have owned your home for less than 12 months, you will typically need to provide documentation of your original purchase, including the original purchase agreement and evidence of your initial investment, for the lender to evaluate value. Call to review the specifics of your situation.

Both multi-section (double-wide) and single-section (single-wide) homes may be eligible. The home must be located in a program-approved Florida co-op community, and in approved Florida co-ops homes built from 1970 forward may qualify — subject to home condition, lender review, and full underwriting.

Co-op transactions involve purchasing a corporate share in a legal entity — not a piece of real estate. Most conventional lenders, including banks and credit unions, are not structured to underwrite this collateral type. It requires a program specifically designed for cooperative community financing. Eligibility and program availability are subject to change.

Most lenders don’t offer this product. It’s that simple. Atlantic Mortgage specializes in Florida co-op and ROC share financing — call us to find out if we can help.

A resident-owned community is a manufactured home community where the residents collectively own the land through a cooperative corporation or association. Each resident owns a share of that corporation, giving them both residency rights and an ownership stake in the community’s land. This is fundamentally different from a traditional mobile home park, where an outside investor or landlord owns the land and residents pay lot rent. Resident-owned communities exist throughout Florida and provide homeowners with greater stability and long-term security.

Yes. Many Florida resident-owned communities are also 55+ age-restricted communities. The same co-op share loan program applies — the age restriction is a community characteristic, not a financing barrier. The community must still be on the approved Florida co-op list, and standard HOPA documentation applies. For a full walkthrough of the financing paths across Florida 55+ communities — lot-rent parks, resident-owned co-ops, and land-owned communities — see our Florida 55+ community manufactured home loans page.

It may qualify. Most manufactured-home programs draw the line at homes built on or after June 15, 1976 — the date the HUD construction standards took effect. In approved Florida co-ops, homes built from 1970 forward may qualify, subject to home condition and full lender underwriting. Whether the community is on the approved list is confirmed before the loan is submitted. Call to discuss your specific home before assuming it does or doesn’t qualify.

An approved list of Florida resident-owned communities is maintained for this financing program, and that list continues to grow as new communities are added. The community list on this page reflects current known approvals but may not be fully up to date at all times. Confirming your community’s current eligibility is the single most important step in this process — call or text us before doing anything else. A quick conversation is usually all it takes to find out if your community qualifies.