Conventional Florida Manufactured Home Lenders

Loan Purpose

 Florida Conventional Manufactured Home Purchase

 Conventional Florida Rate & Term Refinance (including HARP and LP Open Access)

 Manufactured Home Loan Cash-Out Refinance


Amortization Term

 Fixed Rate: 15 Years, 20 Years, and 30 Years

 Adjustable Rate: 7/1, 10/1



 Owner-occupied second home


Minimum Credit


620 minimum Fico Score for Florida conventional manufactured home loans.


Approval Type

 AUS (DU) approval or (LP) Approval


Subordinate Financing



Maximum Loan Amount


 1 Unit: Lesser of $417,000 or maximum county limit


Escrow Holdback for

Minor Repairs

Allowed only if repair is completed within 10 Days.


Eligible Properties

 1 unit Florida manufactured home properties must be at least a double wide

 Manufactured homes must be constructed after June 15, 1976

 Florida manufactured home + land must be Fee simple only


Other General Eligibility Criteria for Manufactured Homes

 Floor area of not less than 600 square feet

 HUD Certification Labels (metal plates attached) or verification from IBTS

 HUD Data Plates (paper certification located on the interior) or verification from IBTS

 Affidavit of affixture (or equal) to evidence propety is classified and taxed as real estate

 Structural Engineer‘s report to determine if home is designed to be used as a dwelling with a permanent foundation built to

FHA criteria

 The home must be built and remain on a permanent chassis (towing hitch, wheels and axles have been removed)

 Finished grade elevation beneath the manufactured home or, if a basement is used, the grade beneath the basement shall be at or above the 100-year return frequency flood elevation. HUD waivers are not accepted.

 The home must not have been installed or occupied previously at another site or location

 Additions or modifications to manufactured home are not acceptable

 Allweather roadway and adequate vehicular access from a public right of way

 Foundation inspection by appraiser for permanent concrete footing with anchored tie-downs

 Borrower must own the land on which the manufactured home is situated in fee simple

 With a Freddie (LP) approval borrower must have at least 5% of their own funds



Florida conventional loan for manufactured homes – Guidelines are subject to change without notice.

FHA Mortgage Lenders By State: 
Florida   Texas  Georgia  Alabama  

FHA-MORTGAGE-LENDERS.COM – Specializing in FHA government mortgage solutions and delivering the most updated FHA information to the consumer. FHA-Mortgage-Lenders.com has an extensive lender network that allows us to provide flexible update FHA mortgage lenders information from portfolio FHA mortgage lenders providing a comprehensive selection of non-traditional FHA, VA, USDA, Conventional, for all including bad credit mortgage applicants.

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