New or Used Home plus Land

Looking to finance a new or used mobile home with land? We offer flexible terms, competitive rates, and financing options that cover both home and land—all with simple qualifications and a quick application process. Already own land? Even better. Use the equity as down payment.

• New or used home + land
• Flexible terms up to 30 years
• Competitive rates & easy approval

Our range of loan programs, including FHA, VA, Conventional, Non-QM, Portfolio, and Chattel loans, is structured to help Florida homebuyers realize their dream of homeownership, no matter the type of home. With a focus on both flexibility and affordability, we provide financing options that make purchasing a mobile or manufactured home easy and accessible across the Sunshine State.

We are dedicated to providing exceptional guidance and tailored loan solutions for clients interested in purchasing manufactured or mobile homes throughout Florida.

Conventional loans offer an excellent option for financing manufactured homes on owned land throughout Florida. These loans provide competitive rates and flexible terms, making them ideal for borrowers with strong credit. Conventional loans can finance the purchase of land, the purchase of an existing manufactured or mobile home, the construction of a new home, and the installation of a new manufactured or mobile home. However, Conventional loans are not available for homes located on leased land or in mobile home parks, nor can they finance homes that have been moved from their original installation location.

• Eligibility: The home must be permanently affixed to owned land and should not have been moved from its original installation.
• Loan Purposes: Ideal for purchasing existing manufactured homes, purchasing land, constructing a new home, installing new manufactured and mobile homes, and refinancing.

Learn More About Conventional Loans for Manufactured and Mobile Homes

FHA loans are a great option for homebuyers with lower down payments or less-than-perfect credit. Backed by the Federal Housing Administration, these loans are available for manufactured homes and mobile homes on owned land. FHA loans can finance the purchase of land, the purchase of an existing manufactured or mobile home, and the installation of a new manufactured or mobile home. However, FHA loans are not available for homes in mobile home parks or on leased land, and they cannot finance homes that have been moved from their original installation.

• Eligibility: The home must be on owned land, permanently affixed, and should not have been moved from its original location.
• Loan Purposes: Ideal for purchasing existing manufactured homes, purchasing land, installing new manufactured or mobile homes, and refinancing.

Learn More About FHA Loans for Manufactured and Mobile Homes

For veterans and active-duty service members, VA loans provide a no-down-payment financing option for manufactured homes and mobile homes. VA loans can finance the purchase of land, the purchase of an existing manufactured or mobile home, the construction of a new home, and the installation of a new manufactured or mobile home. VA loans allow you to finance homes that have been moved once from their original installation location.

• Eligibility: Available for veterans, active service members, and eligible family members. The home can have been moved once from its original location.
• Loan Purposes: Ideal for purchasing existing manufactured homes, purchasing land, constructing a new home, installing new manufactured or mobile homes, and refinancing homes that have been moved once.

Learn More About VA Loans for Manufactured and Mobile Homes

For buyers in rural areas, USDA loans provide an excellent financing option for manufactured homes and mobile homes with no down payment. However, USDA loans have strict eligibility requirements for previously occupied homes. To qualify, the previous owner must have purchased the home using a USDA loan. If the home was not initially financed through a USDA loan, it will not be eligible for USDA financing. Additionally, the home must be newly installed, meaning it cannot have been previously occupied at a different location.

USDA loans can finance the purchase of land, the purchase of a qualifying manufactured or mobile home, the construction of a new home, and the installation of a new manufactured or mobile home.

• Eligibility: Available for homes in rural areas with land ownership. Homes that have been previously occupied must meet USDA-specific criteria, including being originally financed through a USDA loan. The home must also not have been moved from its original installation.
• Loan Purposes: Ideal for purchasing qualifying manufactured homes, purchasing land, constructing new homes, installing new manufactured or mobile homes, and refinancing homes in rural areas.

Learn More About USDA Loans for Manufactured and Mobile Homes

For homebuyers who don’t qualify for traditional loans, Non-QM loans offer flexible financing solutions for manufactured homes and mobile homes on owned land only. Non-QM loans are ideal for self-employed individuals, those with non-traditional income verification, and investors. However, Non-QM loans cannot finance homes located in mobile home parks, homes on leased land, or homes that have been moved. These loans also do not cover construction loans or the installation of new homes.

• Eligibility: Perfect for self-employed buyers, those with inconsistent income, and investors. The home must be on owned land and cannot have been moved from its original location.
• Loan Purposes: Ideal for purchasing existing manufactured homes, refinancing, and investment properties on owned land.

Learn More About Non-QM Loans for Manufactured and Mobile Homes

Portfolio loans offer flexible financing solutions for manufactured and mobile homes in various situations. These loans work for homes in mobile home parks, on leased land, or even for homes that have been moved from their original location. If you’re buying a new or used manufactured home, whether or not you’re purchasing land, a portfolio loan is a strong option.

For buyers who don’t plan to purchase land, chattel loans provide financing for manufactured homes without land ownership. These loans work well for homes in mobile home parks or on leased land, offering flexibility for buyers.

Portfolio loans cover the purchase of existing homes, the installation of new or used homes, and allow for more flexible terms than traditional mortgage loans.

• Eligibility: Available for homes in mobile home parks, on leased land, homes that have been moved, or homes purchased without land. Portfolio loans can also finance the installation of used homes.
• Loan Purposes: Ideal for buying new or used manufactured homes, installing new or used homes, and refinancing homes in mobile home parks or on leased land.

Learn More About Portfolio Loans for Manufactured and Mobile Homes

If you’re planning to build or install a new manufactured or mobile home, construction loans offer an excellent financing option. These loans cover both the purchase of land and the construction or installation of the home. With a construction loan, you can build a home to your specifications while ensuring financing for the entire process, from purchasing land to completing the installation.

Once construction is complete, these loans typically convert into permanent financing, giving you long-term stability with flexible loan terms.

• Eligibility: Available for buyers who own or plan to purchase land and need to build or install a new manufactured or mobile home.
• Loan Purposes: Ideal for constructing new manufactured or mobile homes and installing homes on owned land.

Learn More About Construction Loans for Manufactured and Mobile Homes