Mobile Home Loans in Florida
Get financing for manufactured homes in Florida. Check typical requirements, run educational estimates with our calculator, and connect with lending partners licensed in your state.
Quick requirements (typical)
Requirements vary by lender and property type. This is a quick starting point to help you understand what lenders often look for.
Want a deeper overview? See typical requirements and leased land.
Florida calculator (educational)
Use this tool to estimate a monthly payment. Actual loan terms depend on your credit, income, property details, down payment, and lender guidelines.
This is an input for educational estimates only. Actual interest depends on credit, income, and lender guidelines.
Terms vary by lender and state.
A licensed lender can review your credit, income, and property details and explain real options available in your state.
Financing options in Florida
Many borrowers explore options like manufactured-home mortgages (more common with land ownership), and chattel-style financing (more common for parks/leased land). Program names and guidelines vary by lender, so the best first step is matching the program type to your land situation and home details.
If you’re not sure where you fit, start with our leased land guide and new vs used.
Florida costs (what to budget for)
Beyond the home price, your monthly budget can include insurance, taxes (if applicable), utilities, and lot rent if the home is in a park. These costs vary by location and property type, and they can change over time.
If you’re buying on leased land, confirm the current lot rent and what’s included in writing before you commit.
Popular Florida search areas
People often start their search near major population centers. These are common areas buyers look when exploring manufactured housing options in Florida:
- Tampa Bay
- Orlando area
- Jacksonville area
- South Florida
- Space Coast
What lenders look for
Lenders typically evaluate affordability and stability: documented income, existing monthly obligations, and sufficient funds for down payment/closing costs. Property details matter too — year built, HUD tags/serial, condition, and whether the land is owned or leased.
Having your documents ready (ID, income docs, bank statements, and home/land info) can speed up the process.
Frequently asked questions
These answers are educational and can vary by lender, property type, and location in Florida.
Can I get a mobile home loan with bad credit in Florida?
Sometimes. Options depend on your full profile (income, down payment, credit history) and the property type. Many lenders focus on affordability and stability. If credit is a challenge, expect stricter documentation or more cash down — and talk with a licensed professional about realistic options.
Do I need to own the land in Florida?
Not always. Many mobile homes are in parks where the land is leased. Financing can look different in leased-land situations and some lenders specialize in those scenarios. Your best first step is confirming whether the home is on owned land or leased land.
How much down payment do I need in Florida?
Down payment requirements vary by lender and program. As a general rule, stronger credit and land-owned scenarios can open more flexibility. Leased-land or older used homes may require more cash down. A lender can tell you what applies to your specific home and location.
Can I finance a used mobile home in Florida?
Often yes, but eligibility depends on the home’s age, condition, documentation, and whether the land is owned or leased. Some lenders have minimum year/condition requirements. If you’re shopping used, get the year/make/model and land status early so a lender can confirm fit.
How long does mobile home loan approval take in Florida?
It depends on the lender, your documentation, and the property details. Having pay stubs/income docs, bank statements, and home/land information ready can speed things up. Timing is also affected by appraisal/inspection needs and park approvals (if applicable).
Get personalized help in Florida
Share a few details and we’ll connect you with lending partners licensed in Florida. No obligation to accept any offer.
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