What If I Have Challenged Credit? Florida Modular Homes Has Solutions

At Florida Modular Homes, we understand that life happens. Unexpected situations—job changes, medical bills, or other financial challenges—can sometimes cause your credit score to drop below what most traditional lenders will accept. But the good news is, your dream of homeownership doesn’t have to end here.

Financing Options for Challenged Credit

Unlike many lenders who require high credit scores, Florida Modular Homes works with financing partners who are willing to help customers with credit scores as low as 500. Here’s how it works:

10% Down Payment Required – This down payment is based on the total purchase price.
Cash or Land Equity Accepted – If you already own land, you may be able to use your land equity toward the down payment instead of cash.
Flexible Solutions – Our team works directly with lenders who specialize in helping customers with challenged credit, giving you more opportunities to qualify.

Why This Matters

We believe everyone deserves the chance to own a home they love. Modular homes are affordable, customizable, and a smart investment—and we don’t think credit challenges should stand in your way. By teaming up with lenders who are open to financing lower credit scores, we’re able to help more families across Florida move into homes they can be proud of.

Start Building Your Future Today

Don’t let your credit score hold you back. If you’re ready to explore your options, give us a call or text today. The team at Florida Modular Homes will walk you through the process, explain how land equity or a cash down payment can work for you, and connect you with the right lender to arrange financing for your new modular home.

👉 Contact Florida Modular Homes today—your new beginning starts here.

Visit Our Model Center in beautiful St Augustine.