Mobile Home Financing
General Financing Options
In general most land-leased mobile homes that are older then 20 years are NOT financeable and require the full cash amount at time of purchase.
Sunset Mobile Home Sales is not in the financing business and has no partnerships or other relationships with any lenders. The information provided on this page is for reference only and Sunset Mobile Home Sales does not promote, recommend or endorse any lenders or lending options listed below. All information provided on this page is for convenience only and we accept no responsibility to its accuracy.
Personal Lending Options:
Some buyers may be able to secure personal loans or other options such as:
- Personal loan from your bank or credit union
- Credit card advance
Specialized Lending Options:
Under some circumstances, individuals looking buy a manufactured home where they rent a lot at a mobile home community can get mortgage, sometimes called a chattel loan.
The Federal Housing Administration offers a program known as Title I, designed for owners whose mobile homes are on a permanent foundation but are within a manufactured housing community.
Among the requirements for a Title I mortgage:
- The mobile home must be the borrower’s primary residence.
- The home has to be on a rental site in a manufactured home park that conforms to FHA guidelines.
- The lease agreement must meet FHA standards.
It’s not easy to find mobile home communities that meet the FHA’s strict guidelines, not many mobile home parks participate in the Title I program. You would need to contact the park office directly to see if they meet the FHA’s Title I guidelines.
Lenders that Specialize in Mobile Homes:
Contact us for a list of companies that specialize in mobile home loans.Contact Us
Newly Listed Properties
- 7400 46th Avenue North, Lot 329Saint Petersburg, FL, 33709$23,000
- 2419 Gulf to Bay Boulevard, Lot 1321Clearwater, FL, 33765$21,900
- 2550 State Road 580 East, Lot 471Clearwater, FL, 33761$24,900
- 10521 Scenic Drive, Lot 8Port Richey, FL, 34668$14,000
- 2882 Gulf to Bay Boulevard, Lot 146Clearwater, FL, 33759$14,500
- 7400 46th Avenue North, Lot 212Saint Petersburg, FL, 33709$13,500
- 2550 State Road 580 East, Lot 487Clearwater, FL, 33761$29,900
- 10562 70th Ave, Lot J11Seminole, FL, 33772$10,000
- 10521 Scenic Drive, Lot 140Port Richey, FL, 34668$21,200
- 7087 105th Lane NSeminole, FL, 33772$36,900
- 6700 150th Ave N, Lot 614Clearwater, FL, 33764$32,500
- 7400 46th Avenue North, Lot 411Saint Petersburg, FL, 33709$22,900