At Atlantic Mortgage & Finance Corporation, we understand the unique needs of Florida homebuyers seeking to finance manufactured homes. Whether your home is on leased land, land you own, or even in a park, we offer loan programs tailored to your situation. Our range of loans—including Conventional, FHA, VA, USDA, Non-QM, Portfolio, and Construction loans—is designed to meet the diverse needs of Florida residents. With a focus on flexibility and affordability, our programs make manufactured homeownership a reality across the Sunshine State.

Conventional loans are an excellent option for financing manufactured homes on owned land throughout Florida. Offering competitive rates and flexible terms, these loans are ideal for borrowers with strong credit. In addition to purchase and refinance options, we also offer Conventional Construction Loans for those looking to purchase land and build a new manufactured home. Please note, Conventional loans are not available for homes located on leased land or in parks.

• Eligibility: The home must be permanently affixed to owned land.
• Loan Purposes: Ideal for purchasing, refinancing, or constructing manufactured homes, including purchasing land and installing new homes throughout Florida.

Learn more about Conventional Loans in Florida

FHA loans are a great option for financing manufactured homes in Florida, offering flexible qualification standards and lower down payment requirements. These loans are ideal for first-time homebuyers or those with less-than-perfect credit. FHA loans are available for homes on owned land or leased land, provided the lease meets HUD guidelines. Additionally, FHA Construction Loans are available for those looking to purchase land and build a new manufactured home.

• Eligibility: Homes must meet FHA guidelines, and if on leased land, the lease must meet HUD requirements.
• Loan Purposes: Ideal for purchasing, refinancing, or constructing manufactured homes, including purchasing land or financing homes on leased land that complies with HUD guidelines.

Discover FHA Loans in Florida

VA loans provide excellent benefits for veterans and active-duty military members in Florida, offering no down payment, low-interest rates, and favorable terms. VA loans are available for manufactured homes on owned land, and in certain cases, homes on leased land if the lease meets VA guidelines. Additionally, we offer VA Construction Loans for those looking to purchase land and build a new manufactured home.

• Eligibility: Homes must meet VA guidelines, and if on leased land, the lease must meet VA requirements.
• Loan Purposes: Ideal for purchasing, refinancing, or constructing manufactured homes, including purchasing land and building new homes for veterans in Florida.

Learn about VA Loans in Florida

USDA loans provide 100% financing for eligible homebuyers in rural areas throughout Florida. These loans offer no down payment and are ideal for new, never-occupied manufactured homes on owned land. USDA loans are not available for homes on leased land or in parks. In addition, we offer USDA Construction Loans for buyers looking to purchase land and build a new manufactured home in rural areas.

• Eligibility: Homes must be permanently affixed to owned land in a USDA-designated rural area.
• Loan Purposes: Ideal for purchasing, refinancing, or constructing manufactured homes, including purchasing land and building new homes in rural Florida.

Learn more about USDA Loans in Florida

Non-QM loans are designed for borrowers who may not fit traditional lending criteria. These loans are ideal for self-employed borrowers, real estate investors, or those with non-traditional income sources who are looking to finance a manufactured home.

• Eligibility: For borrowers with complex financial situations or non-traditional income verification.
• Loan Purposes: Purchase or refinance manufactured homes with flexible terms.

Explore Non-QM Loans

Portfolio loans provide flexible financing for manufactured homes in Florida, offering solutions for homes on leased land, owned land, or even in parks. These loans are ideal for borrowers with non-conforming financial profiles who may not qualify for traditional loan programs. Financing is available for both new and used manufactured homes, and home-only financing options are also offered.

• Eligibility: Available for homes on leased land, owned land, or in parks.
• Loan Purposes: Ideal for purchasing, refinancing, or constructing manufactured homes, including both new and used homes. Home-only financing is also available.

Learn more about Portfolio Loans in Florida

Looking to purchase land and install a new manufactured home? Construction Loans provide financing for both the land purchase and the installation of your new home, covering all necessary costs throughout the process.

• Eligibility: Ideal for homebuyers looking to purchase land and install a new manufactured home.
• Loan Purposes: Finance the land purchase and the home installation, including materials, labor, and permits.

Learn more about Construction Loans