Manufactured Home Refinance
Manufactured Home Refinance – Florida Lender
About Manufactured Home Refinance
A manufactured home refinance allows homeowners to secure better mortgage terms, reduce monthly payments, or access built-up equity—whether the home is a single-wide or double-wide on a permanent foundation. Flexible FHA and conventional options make refinancing accessible even for borrowers with limited credit or unique property types.
These loans help homeowners save money, fund home improvements, or restructure their mortgage for long-term stability. Because manufactured homes follow specific guidelines, working with a lender familiar with Florida’s requirements ensures a smooth and timely process.
At Select Home Loans, we make refinancing simple with expert guidance tailored to manufactured home owners across Florida.
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Why choose Select Home Loans?
- Diverse mortgage options: Conventional, FHA, VA, Reverse Mortgages, Non-QM Loans, HELOC | Second Mortgages and DSCR Loans.
- Trusted reputation: A+ Rated and accredited by the Better Business Bureau.
- Quick and efficient closings: E-signing and in-house underwriting streamline the process.
- Customized service: Solutions crafted to meet your specific requirements.
- Established credibility: A solid track record of trust and excellence.
Manufactured Home Loans in Florida
Manufactured homes (factory-built homes meeting HUD's 1976+ construction standards, on a permanent foundation) are an important part of Florida's housing stock — especially in retirement communities, rural areas, and the Florida Keys. Despite a long-running myth, manufactured homes can absolutely be financed with conventional, FHA, VA, and USDA loans.
We have access to multiple manufactured-home programs, including programs that finance the home and the land together (real-property classification) and programs that handle older units, pre-HUD homes (with restrictions), and chattel-only loans (home only, leased land).
Florida-specific considerations include hurricane wind-zone requirements, anchoring documentation, and verification of the HUD tags. We handle all of this in-house.
Frequently Asked Questions
Can I get a conventional loan on a Florida manufactured home?
Yes — Fannie Mae's MH Advantage and Freddie's CHOICEHome programs both finance qualifying manufactured homes at near-conventional terms.
Will FHA finance my manufactured home?
Yes, with a 3.5% down payment, provided the home meets HUD construction standards (post-June 1976) and is on a permanent foundation.
Are double-wide and triple-wide eligible?
Yes. Many programs require minimum square footage and width measurements, which double-wide and larger homes typically meet.
Can I refinance an existing manufactured home?
Yes — including cash-out refinances. Some streamline programs also exist for existing FHA and VA manufactured-home loans.
Do you finance manufactured homes on leased land?
Yes — chattel loans finance the structure when the land is leased (common in Florida 55+ communities). Terms differ from real-property financing.