OCALA, FLORIDA · MORTGAGE BROKER
Ocala’s Mortgage Broker for Standard and Manufactured Home Loans.
Atlantic Mortgage & Finance Corp. is based in Downtown Ocala and arranges financing for homebuyers and homeowners throughout Marion County and across Florida — standard and manufactured home loans, including the scenarios that take a specialist.
Prefer to talk? Call or text (352) 580-6160.
Check your eligibility — takes 30 seconds
MORTGAGE PROGRAMS
Mortgage Programs Available in Ocala & Marion County
Atlantic Mortgage & Finance Corp. arranges financing for Marion County borrowers across every program below — from first-time homebuyers to the complex manufactured-home scenarios that need a specialist.
FHA Loans
Manual underwriting available for qualifying files. FHA financing for site-built and manufactured homes, including single-wides that meet the program's construction and titling standards.
VA Loans
VA financing for eligible veterans and active-duty service members, with no PMI. Single-wides and manufactured homes both qualify under VA's real-property standard.
USDA Loans
USDA Rural Development financing in eligible rural areas, including areas surrounding Ocala. Manufactured homes are eligible.
Park & Chattel Loans
No land ownership required. Financing for manufactured homes in parks and on leased land, with fixed-rate options available.
Co-Op & ROC Share Loans
Financing for resident-owned communities in Florida. Multiple approved communities — a program most lenders don't offer at all.
Single-Wide Financing
FHA, VA, USDA and Conventional financing for qualifying single-wides on owned land, titled as real property. Width is not what decides eligibility.
Land + Home Financing
Purchase or refinance a manufactured home and land together — and on qualifying programs, financing may cover the full cost of land and home.
Conventional Loans
Fannie Mae and Freddie Mac financing for qualifying manufactured and site-built homes on owned land. Conventional carries no agency-set minimum credit score; approval depends on your full financial picture.
55+ Community Financing
Manufactured home financing for age-restricted communities in Marion County. Program path depends on whether the community is a resident-owned co-op, a traditional park, or land you own.
Non-QM Loans
Bank statement, DSCR, asset depletion, and alternative income programs for borrowers who don't fit standard qualification boxes. Most lenders set their own rules on top of the program minimums — Atlantic isn't tied to one.
Manual Underwriting
Manual underwriting is available on FHA, VA, USDA, and Conventional loans — an automated decline doesn't end the review; a human underwriter may still approve it. Call to discuss your specific scenario.
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.
WHY LOCAL BORROWERS CHOOSE ATLANTIC
Why Marion County Borrowers Work With Atlantic Mortgage
Atlantic Mortgage & Finance Corp. takes on the files other Ocala brokers refer out — manual underwriting, alternative documentation, and manufactured-home scenarios most lenders decline.
Local Knowledge
Based in Downtown Ocala, Atlantic Mortgage knows Marion County's communities, parks, and neighborhoods — including the area's 55+ communities and the rural pockets that qualify for USDA financing.
Judged on Eligibility
Single-wides, moved homes, and older manufactured homes are each reviewed against the program's own eligibility standards — construction date, foundation, and how the home is titled.
Complex Files Welcome
Manual underwriting, alternative income documentation, moved homes, chattel loans, co-op share financing — these are routine here, not exceptions.
THE OCALA OFFICE
Visit Us in Downtown Ocala
Atlantic Mortgage & Finance Corp. is located at 46 SW 1st Ave, Suite 2, Downtown Ocala, FL 34471. The office is by appointment only — available by phone and text seven days a week, no appointment needed to start a conversation.
Virtual and remote appointments are available statewide for borrowers outside Marion County.
MARION COUNTY SERVICE AREA
Marion County Service Area
Atlantic Mortgage & Finance Corp. arranges loans for borrowers across Marion County and the surrounding area. Virtual and remote appointments are available statewide.
Downtown Ocala
| Ocala | 34471, 34470 |
|---|
South Marion County
| Belleview | 34420 |
|---|---|
| Summerfield | 34491 |
| Silver Springs Shores | 34472 |
North & East Marion County
| Anthony | 32617 |
|---|---|
| Citra | 32113 |
| Fort McCoy | 32134 |
| Ocklawaha | 32179 |
West Marion County
| Reddick | 32686 |
|---|
WHY ATLANTIC
A Florida Manufactured-Home Specialist Since 2007
Since 2007
52 approved Florida co-op communities
BBB A+, accredited since July 2025
NMLS #3915 · Florida licence MBR475 · Ocala branch #2549716
Michael Dorosko — Ocala Branch Manager · NMLS #22951 · 25+ years in lending
FREQUENTLY ASKED QUESTIONS
Frequently Asked Questions — Ocala & Marion County
Do you serve borrowers outside of Ocala?
Yes. Atlantic Mortgage & Finance Corp. is based in Ocala but serves borrowers throughout all of Florida. Most of the loan process is handled remotely. In-person appointments are available at the Downtown Ocala office for Marion County borrowers who prefer to meet in person.
What types of loans do you offer in Ocala?
FHA, VA, USDA, Conventional, Non-QM, chattel, co-op share, land+home, renovation, bank statement, DSCR, and manual underwriting programs are all available. This includes both standard site-built homes and manufactured homes — including single-wides, homes in parks, and homes in resident-owned communities.
Can you finance a manufactured home in a Marion County park?
Yes. Chattel financing is available for manufactured homes in parks and on leased land throughout Marion County. No land ownership required. The park or community approves you as its resident — a routine step we verify and coordinate as part of your financing. Call and we'll walk through how it works for your community.
Do you work with veterans in Ocala?
Yes. VA loans are available for eligible veterans and active service members purchasing or refinancing in Marion County. VA financing is available for both site-built and manufactured homes, including single-wides that meet VA's real-property standard.
Does Marion County qualify for USDA financing?
Much of Marion County qualifies for USDA Rural Development financing. Areas outside the Ocala city limits frequently meet USDA eligibility requirements. USDA financing may be available for qualifying borrowers. Call or use the USDA eligibility map to check your specific address.
What is your office address in Ocala?
Atlantic Mortgage & Finance Corp. is located at 46 SW 1st Ave, Suite 2, Downtown Ocala, FL 34471. The office is open by appointment only. Available by phone and text 7 days a week — no appointment needed to start a conversation. Virtual appointments are also available for borrowers throughout Florida.
Can you help with a single-wide manufactured home in Ocala?
Yes. Single-wide manufactured homes built on or after June 15, 1976 are eligible for FHA, VA, USDA, and Conventional financing when permanently affixed to owned land and titled as real property. Width is not what decides eligibility — the home's construction date, its foundation, and how it is titled are.
Are there 55+ community financing options in Marion County?
Yes. Marion County has numerous 55+ manufactured home communities. Financing options depend on whether the community is a resident-owned co-op, a traditional park, or on owned land. Multiple program paths are available. Call to discuss the specific community and home situation.
How do I get started?
Call or text 352-580-6160. No obligation, no hard credit pull to start. Most borrowers find out in one conversation whether their home, their credit, and their situation qualify — including those who have already been told no elsewhere. No approval is implied until underwriting.
Ready to Get Started?
No obligation, no hard credit pull to start. One conversation is usually enough to find out whether your home, your credit, and your situation qualify.
Prefer to jump straight to the full application? Start the full application here.
No approval is implied until underwriting.