Florida Modular Homes has teamed up with a handful of lenders who understand our product, market, and most importantly our customers.

Most people will require some sort of financing when they are purchasing a new home. With this in mind, Florida Modular Homes has teamed up with a handful of lenders who understand our product, market, and most importantly our customers. The team at Florida Modular Homes are experts in financing and in many cases can get individuals financed that may have been previously turned down.

Fortunately, in today’s market there are many options available for factory built home buyers with both good and challenged credit. Most of the loan programs that are available for traditional stick built housing are also available for factory built homes.

Florida Modular Homes and the lenders we have teamed up with offer financing for both mobile and modular homes. For both home only financing with no land involved in the transaction and land / home financing where the land purchase or payoff is financed in the same payment as the home.

Second Chance Financing

Florida Modular Homes has access to a unique financing program designed for homebuyers who have experienced challenges with their credit.

  • Credit scores as low as 500 can be accepted with atleast 20% down payment. The down payment can be in form of  cash, mobile home trade, land equity or a combination of all.
  • 575+ Credit score can be approved with 10% Down

Florida Modular Homes has a professional sales staff that can assist you in finding the best home financing option available for you and your individual situation. Feel free to call, visit us, or reach out on our Facebook page with any questions you may have.

For Self Employed Customers

Florida Modular Homes has teamed up with a lender that requires only one year’s tax returns for self employed home buyers. Please contact a sales consultant for more information.



For some time now local, state, and the Federal Government have realized the positive impact of home ownership in both the community and with the national economy. To encourage home ownership for individuals and families who may not ordinarily qualify for a conventional loan, the government has established three main loan programs that can help consumers purchase Factory Built Homes. On all these loans the borrower pays an up front mortgage insurance premium, which is finance-able. FHA and USDA loans also charge a small monthly insurance premium as well to cover the cost of insuring the loan.

Manufactured & Modular Home Lenders


FHA Home Loans

FHA loans have been helping people become homeowners since 1934 and is the largest insurer of government loans. How do they do it? The Federal Housing Administration (FHA), part of HUD, insures the loan, so your lender can offer you a better deal.

FHA might be just what you need to purchase your next home. Your down payment can be as low as 3.5% of the purchase price. This can be cash, trade, or land equity. Florida Modular Homes can also pay for all or most of the buyer’s closing cost as well, which allows our customers to keep more of their money in their pocket. Of all the government insured loans available, FHA is usually the easiest with credit qualifying.

VA Home Loans

VA insured loans are a benefit for qualified Veterans of the United States Armed Services allowing them to purchase a Factory Built Home for as little as $500 down with no monthly mortgage insurance premiums. VA allows a seller such as Florida Modular Homes  to pay for all the borrowers closing cost as well. Florida Modular Homes appreciates all that our Veterans have done for us and will donate $200 toward the Wounded Warrior Project for every veteran who purchases a home from us.

Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits.


This program assists approved lenders in providing low and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. Eligible applicants may build, rehabilitate, improve or relocate a dwelling in an eligible rural area. The program provides a 90% loan note guarantee to approved lenders in order to reduce the risk of extending 100% loans to eligible rural home buyers. Borrowers are able to purchase a New Modular Home and Land Package with as little as $500 down.