FHA FINANCING · FLORIDA MANUFACTURED HOMES
FHA Manufactured Home Loans in Florida
FHA works statewide for Florida manufactured homes — single-wides included — with no area or income caps. What decides it: the home itself, your credit profile, and the rest of your finances. We check all three in one call.
Prefer to talk? Call (352) 580-6160.
Check your eligibility
WHO THIS FITS
See if your home and your situation fit FHA
FHA is the workhorse program for Florida manufactured homes: it works statewide, carries no area or household-income caps, and stays open to a wide range of credit profiles. Eligibility runs on the home and on you — here’s how to find out where you stand.
You’ve found the home
The home decides most of it. We check the build date and HUD certification, the foundation, how it’s titled, and whether it has ever been moved — usually in one conversation. Start with the form above or a call, and have the address or listing handy.
You’ve been told no
If you’ve been told your home can’t be financed, that may be one lender’s restriction — not the only path. FHA’s own guidelines are broader than many lenders apply them, and borrowers with thin or bruised credit may still have a route through manual underwriting. Same next step: the form above, or a call.
Either way, the next step is the same: the short form above, or (352) 580-6160.
ELIGIBILITY
The three questions that decide FHA eligibility in Florida
Does your manufactured home qualify for FHA?
FHA’s property line is the HUD code date: the home must have been built on or after June 15, 1976, and carry its HUD certification label and data plate. It needs at least 400 square feet of living area, a permanent foundation meeting HUD’s permanent-foundation guide, and title to the home and land together as real property.
One rule surprises people: the home can’t have been moved. The original delivery — factory or dealer to the site — doesn’t count as a move; a move means the home was installed somewhere and later relocated, and a relocated home doesn’t fit FHA. Single-wide and multi-section homes both qualify, and FHA’s 1976 line is notably more open on age than USDA loans for Florida manufactured homes, whose window for existing homes is much narrower.
What credit profile does FHA take?
For a standalone FHA purchase arranged through Atlantic, the minimum credit score is 500 — the widest entry point of the government programs — and options are also available for borrowers without a traditional credit score, using non-traditional credit history.
Where an automated system says no, manual underwriting may be available on FHA and other government programs: a person reads the whole file — payment history, income stability, compensating factors — instead of a score alone deciding it.
Where in Florida does FHA work?
Everywhere. FHA has no rural-area test and no household-income limit, so it works in any Florida county, in town or out of it.
The one occupancy rule that always applies: the home must be your principal residence. Second homes and investment properties don’t fit FHA manufactured-home financing.
HOW THE COSTS WORK
FHA mortgage insurance — how the premiums work
Every FHA loan carries mortgage insurance in two parts: an upfront premium at closing, and an annual premium spread across the monthly payment.
The upfront premium doesn’t have to come out of pocket — for qualified borrowers it can be financed into the loan. Both premiums are set by HUD, published on its schedule, and the same with every FHA lender — so the premium is never the reason to pick or avoid one. We walk through the current figures for your scenario when we run your numbers.
That insurance is what buys FHA’s openness: it backs the loan, and the lender lends against FHA’s backing — which is why the program stays available to credit profiles and home types many programs won’t reach.
REQUIREMENTS
FHA requirements reference — Florida manufactured homes
The card covers the standing program rules. Every application is reviewed individually — where a requirement has room depends on the lender and your specifics, and we’ll tell you straight which ones matter for your scenario before you spend money on anything.
FHA property & borrower requirements
| Home age | Built on or after June 15, 1976 — HUD certification label and data plate present |
|---|---|
| Size | At least 400 square feet — single-wide and multi-section both eligible |
| Foundation | Permanent foundation per HUD's permanent-foundation guide; engineer certification typically required |
| Title | Home and land together as real property — not a personal-property title |
| Moves | Never relocated — original factory-to-site delivery doesn't count as a move |
| Occupancy | Principal residence only |
| Location | Statewide — no rural-area test, no household-income limit |
| Programs | Purchase and refinance; construction runs through a one-time close |
Home in a park or on leased land?
FHA Title II financing needs the home and land together as real property. If your home sits in a lot-rent park or on leased land, the path is different: chattel financing for Florida mobile homes. Atlantic Mortgage arranges both, and we’ll tell you which applies before you’re deep into the process.
Home been moved from a previous site?
A manufactured home that has been relocated from another installed site doesn’t fit FHA — that’s the program rule, not a lender’s. It doesn’t end the road: moved mobile home loans in Florida covers the routes that may still work for a relocated home.
PROGRAM OPTIONS
FHA options in Florida: purchase, construction, refinance & renovation
Purchase
The core program: new and existing manufactured homes on owned land, statewide, for principal residences. Open to a wide range of credit profiles — qualified borrowers may finance the home and land together in one loan.
Construction — one-time close
Buying land and placing a new manufactured home? FHA construction financing runs through a one-time close — land, construction, and the permanent loan in a single closing: one-time close construction loans in Florida.
Refinance
For existing FHA borrowers, the FHA streamline keeps it light — reduced documentation and, in many cases, no new appraisal. Rate-and-term and cash-out refinancing may also be available — including cash-out on single-wide homes — subject to FHA rules and full underwriting.
Renovation — FHA 203(k)
Buy or refinance and fund the repairs in the same loan. FHA’s 203(k) program covers a range of improvements, and qualified borrowers may use it on manufactured homes — single-wides included. Program rules govern what can be financed; we’ll tell you whether your project fits before you commit to anything. See Atlantic’s full manufactured home renovation loan comparison for how FHA’s 203(k) stacks up against VA, Conventional and other renovation options.
Disaster recovery — FHA 203(h)
For Florida homeowners and renters who lost a home to a Presidentially declared disaster — hurricanes included — FHA’s 203(h) program helps qualified survivors buy or rebuild. It runs on its own rules and timelines: FHA 203(h) disaster recovery loans in Florida.
Not sure FHA is the right program? See the full picture of Florida manufactured and mobile home loans — including VA and USDA options for those who qualify.
WHY ATLANTIC
Built for Florida manufactured homes, single-wides included
Most lenders set their own rules on top of the program minimums. As a broker, Atlantic isn’t tied to one lender — a scenario one lender declines may still qualify with another. Atlantic Mortgage & Finance Corp. (NMLS #3915) has arranged Florida manufactured-home financing since 2007 — single-wides, land-home packages, and government programs like FHA — with manual underwriting available on FHA, VA, USDA, and standard Conventional loans when an automated system says no.
Purchase, refi & one-time close under one roof
Single-wides welcome
Non-traditional credit histories considered
COMMON QUESTIONS
FHA manufactured home loans in Florida — common questions
Can I get an FHA loan on a single-wide in Florida?
Yes. FHA’s floor is 400 square feet of living area, which single-wides clear — the program doesn’t require a multi-section home. The rest is the standard property set: built on or after June 15, 1976 with its HUD certification label, permanent foundation, owned land, real-property title. If another lender waved you off a single-wide, that may be their rule — ask us before assuming it’s FHA’s.
How old can a manufactured home be for FHA financing?
The line is June 15, 1976 — the date the HUD construction code took effect. A manufactured home built on or after that date, carrying its HUD certification label and data plate, may qualify at any age. Homes built before it don’t fit FHA. That 1976 line makes FHA one of the most open programs on home age.
What credit score do I need for an FHA manufactured home loan?
For a standalone FHA purchase arranged through Atlantic, the minimum credit score is 500. Options are also available for borrowers without a traditional credit score, using non-traditional credit history, and manual underwriting may be available when an automated system declines the application. Every application is reviewed individually, and no approval is implied until underwriting.
Does FHA require a permanent foundation?
Yes. The home must sit on a permanent foundation that meets HUD’s permanent-foundation guide, and an engineer’s certification of the foundation is typically part of the paperwork. The home and land are titled together as real property — a home on a personal-property title would need that addressed first.
Can the home have been moved?
No — and the original delivery doesn’t count. Bringing the home from the factory or dealer to its site isn’t a move in FHA’s eyes. A move means the home was installed at one site and later relocated to another, and a relocated home is not eligible for FHA financing. That’s a program rule, so no FHA lender can waive it — but other routes may exist for a moved home, and we arrange those too.
Does FHA charge PMI or mortgage insurance?
FHA uses its own mortgage insurance rather than PMI: an upfront premium at closing, which can typically be financed into the loan, and an annual premium added to the monthly payment. Both are set by HUD and are the same at every FHA lender; we’ll walk through the current figures for your scenario when we run your numbers.
Can I use FHA for a home in a park or on leased land?
No — FHA Title II financing requires the home and land to be financed together as real property, on land you own. A home in a lot-rent park or on leased land takes chattel financing instead, which Atlantic Mortgage also arranges.
Is FHA only for first-time buyers?
No. FHA has no first-time-buyer restriction — any qualified borrower may use it. The one occupancy rule that always applies: the home must be your principal residence. Second homes and investment properties aren’t eligible for FHA manufactured-home financing.
Ready to see if your home fits FHA?
Call (352) 580-6160 or request a callback — most borrowers find out where they stand in one conversation, with no obligation and no hard credit pull to get started.
No approval is implied until underwriting.
FHA loans are subject to credit approval, property eligibility, and full underwriting. Program guidelines and availability are set by HUD/FHA and are subject to change without notice. FHA loans carry an upfront and an annual mortgage insurance premium. This is not an offer or commitment to lend. Atlantic Mortgage & Finance Corp. · NMLS #3915 · Licensed Florida Mortgage Broker. For licensing information, go to: www.nmlsconsumeraccess.org.
Atlantic Mortgage & Finance Corp. is not acting on behalf of or at the direction of HUD, FHA, the U.S. Department of Veterans Affairs, the U.S. Department of Agriculture, or any government agency. Program guidelines are subject to change without notice.