CITRUS WOODS · LAKELAND, FL
Financing a home in Citrus Woods
Citrus Woods is a deeded 55+ community in Lakeland — you own your lot outright, and your home is a manufactured home. That combination is one most mortgage lenders won’t finance. Atlantic does, as real estate.
Prefer to talk? Call (352) 580-6160.
Check financing for your Citrus Woods home
WHY IT’S DIFFERENT
Why a Citrus Woods home is financed differently
At Citrus Woods you own your lot outright — a deeded, fee-simple lot in a 55+ deed-restricted homeowners’ community — and the home on it is a manufactured home. The manufactured home is the part most mortgage lenders won’t take on: many won’t lend on manufactured housing at all, and an age-restricted community with its own deed restrictions narrows the field further, so buyers here are turned away even though the purchase is real estate on land they own. As a broker, Atlantic isn’t tied to one lender — a scenario one lender declines may still qualify with another — so we arrange manufactured-home community financing that treats your lot and the home together as a real-estate loan, subject to underwriting.
Citrus Woods sits off Reynolds Road in Lakeland, in Polk County — a 55+ deed-restricted community of manufactured homes on lots the residents own, built between 1975 and 1980. Homes and their lots change hands by deed, which is exactly what makes a real-estate loan the right fit.
THE PROCESS
How financing a Citrus Woods home works
Financing a Citrus Woods home is secured by your deeded lot and the home on it, as real property. The home has to meet a lender’s manufactured-housing rules, and the community’s age restriction and homeowners’-association standing are part of the picture alongside your own file. The steps still follow any real-estate purchase.
01
Apply
Tell us about the home and the community. We confirm Citrus Woods and the home fit the program.
02
Underwrite
We match your file to a lender that finances manufactured homes in deeded HOA communities — so it isn’t your lender’s first one.
03
Close
You close on the home and its deeded lot, and repay it much like a conventional home loan.
Part of our Florida manufactured-home community financing, arranged across approved deeded, condo, HOA and co-op communities.
THE COMMUNITY
Citrus Woods — the facts that shape financing
Citrus Woods is an established 55+ manufactured-home community off Reynolds Road in Lakeland, where residents own their lots outright — no lot rent — under a deed-restricted homeowners’ association. Its homes date from 1975 to 1980, and the community keeps an active, amenity-rich character, with a heated pool, a clubhouse and community center, shuffleboard courts, and a library. A handful of these details decide how a purchase here is financed — they’re the ones a lender looks at.
Citrus Woods
Lakeland, Polk County, FL
55+ deeded HOA community
Homeowners’ association (POA)
Manufactured homes on owned lots
Homes built 1975–1980
Heated pool, clubhouse, shuffleboard, library
You own your lot — no lot rent, no co-op share
Financed as real estate
WHY ATLANTIC
Why work with Atlantic on a Citrus Woods purchase
Atlantic Mortgage & Finance Corp. (NMLS #3915) is a Florida-licensed mortgage broker that has specialized in manufactured- and mobile-home financing since 2007 — including homes in deeded HOA, PUD and co-op communities that most lenders won’t take on. As a broker we’re not tied to one lender, so when one lender’s manufactured-home rules rule a Citrus Woods home out, we can take it to another — and we work these deeded-community files regularly, so it’s handled by a firm that has done them before, not one meeting the community for the first time.
Specialized since 2007
Deeded, HOA and co-op community programs most lenders don’t offer
Florida-focused
Michael Dorosko — Ocala Branch Manager · NMLS #22951 · 25+ years in lending.
Already own at Citrus Woods?
Refinancing may be an option for owners of a home and lot in the community — rate-and-term or cash-out, subject to eligibility. Tell us what you own and we’ll tell you what’s possible.
Looking at a home on a rented or leased lot instead?
Not every community home sits on land you own. If the home you’re considering is on a leased or rented lot, that’s a different loan — see financing a manufactured home on leased land.
COMMON QUESTIONS
Citrus Woods financing — common questions
Can you finance a home in Citrus Woods?
Yes. Atlantic arranges financing for a manufactured home on its deeded lot at Citrus Woods, treating the home and the lot together as real estate. As a broker we can take a file most lenders decline to one that will consider it — which is why buyers here are often told no elsewhere first.
Why do most lenders decline a home here?
Because it’s a manufactured home, not because of the buyer. Many lenders won’t lend on manufactured housing at all, and an age-restricted, deed-restricted community narrows the field further — so they decline, even though the lot is owned and the purchase is real estate. As a broker we aren’t tied to one lender’s rules. No approval is implied until underwriting.
What kind of loan is it?
A real-estate loan secured by your deeded lot and the home on it — a mortgage. It behaves much like a conventional home loan through closing and repayment.
Do I own the land at Citrus Woods?
Yes — you own your lot outright, by deed, with no lot rent and no co-op share. That ownership is what makes a real-estate loan the right fit.
Is Citrus Woods age-restricted?
Yes. Citrus Woods is a 55+ deed-restricted community in Lakeland, Polk County, governed by a homeowners’ association.
How old are the homes at Citrus Woods?
Citrus Woods is a manufactured-home community with homes built between 1975 and 1980, on lots that owners hold by deed. In an approved Florida HOA community like this one, homes built from 1970 forward may qualify.
Is a manufactured home in an HOA community really financeable as real estate?
Yes — when the home is on a deeded lot you own and meets program requirements, it’s financed as real property. The community and the home have to fit a lender’s program, and as a broker we look for the lender whose rules they fit.
Can I buy in Citrus Woods as a seasonal or second home?
Often, yes. A home here can be financed as a primary residence or as a second or vacation home — a common fit for a Central Florida snowbird community like this one. Tell us how you plan to use the home and we’ll walk through what fits.
How do I find out if my purchase qualifies?
Tell us about the home and the community and we’ll walk through it with you. No approval is implied until underwriting.
Citrus Woods is one of the deeded HOA communities we finance across Florida. See our Florida manufactured-home community loans for how HOA, condo, deeded and co-op community loans work, and reach out about any community you’re considering.
Get a straight answer on financing your Citrus Woods home
Call (352) 580-6160 or request a callback from a licensed Florida manufactured-home financing specialist.
No approval is implied until underwriting.