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Financing a Manufactured Home


One of the biggest draws to manufactured homes in Florida is affordability! Not only are you able to live in your dream retirement location, but you can own a beautiful, brand-new home within your budget! For over 40 years, we have assisted retirees in finding their place in the Sunshine State, and we know you have questions - one of which is, “are loans available?” Whether you are ready to buy your new home outright or you need assistance with financing, we have you covered!


Financing for a manufactured home can be slightly different than site-built homes, but we have worked with numerous banks over the years and have found a select few that continue to offer great loan options to our new residents. These banks understand our business, provide quality service and provide competitive rates.


We refer buyers to SouthState Bank and Citizens Bank & Trust, Each of these banks is locally based and has provided exceptional service to most of our customers who seek financing. All rates are based on the buyer’s credit score, so they vary from customer to customer, but these few things remain the same:


- All Mobile Home loans require a minimum of 25% down

- If the home is 9 years or “newer,” they can go up to 20 years fixed

- VA loans are not available for manufactured homes



We are pleased to tell you that the process is generally straightforward, and homebuyers do not require pre-qualification to start searching for their home.


For more information:

SouthState Bank: Chris Makieslski (863) 695-7357
Citizens Main Line: Jeffery Johnson (863)439-2946 |