PrefabLending

Serving Florida

Manufactured Home Loans in Florida

We specialize in chattel loans and land-home packages for manufactured and prefab home buyers across the state of Florida.

Check My Options

Our Florida loan programs

Two programs, clearly explained. The right one depends on whether you're buying land or placing a home in a community.

Chattel Loans

Finance a manufactured home placed on a leased lot in a Florida community or mobile home park. No land purchase required.

  • Homes in 55+, family, and all-age communities
  • Faster closings than real-property loans
  • Single-wide, double-wide, and triple-wide homes
ApplyLearn More

Land-Home Loans

Buy the home and the Florida land together in a single loan package — or use land you already own.

  • Rural parcels and private lots statewide
  • Modular and prefab homes on owned land
  • Existing land can count toward your transaction
ApplyLearn More

The Florida manufactured housing market

  • Florida has one of the largest manufactured housing markets in the U.S.
  • Over 800,000 manufactured homes are in place across the state.
  • Many Florida communities are built specifically for manufactured housing.
  • Florida law allows manufactured homes to be titled as real property when permanently affixed to owned land.
  • Chattel loans are the most common financing option for homes in leased-lot communities.

Ready to get started in Florida?

Fill out our short form and a licensed lending specialist will be in touch within one business hour.

Check My Options — It's Free

PrefabLending |  Lead generation service — not a lender or broker.