We offer all types of financing for Manufactured Homes Single Wides and Double Wides. July 1976 and newer. We can do FHA, VA, and Conventional financing on the Manufactured Homes. We can also do the USDA financing on the new Manufactured homes. We offer Condo financing of all types. We can do one spot condominium approvals for FHA financing. We have New Construction financing for site built or Manufactured Housing, land, and home packages or home only on your own land. You can use your land that you already own as the equity and down payment of the loan. We can do FHA, USDA, VA, and Conventional financing. We have hard money loans available in Florida. We have Bank statement Programs. DSCR Loan programs. We can do a full loan Pre-Approval. We can do a full Pre-Qualification.rate available, so you don’t have to.

FHA Loan Programs

Purchase or Refinance
Down to a 500-credit score
500 – 579 credit score = 10% down
NO credit score programs available
580 credit score and higher = 3.5% down
FHA Renovation loans available 203k Streamlines and FULL
Seller can give up to 6% in credits towards your closing costs and pre-paid items.
No income restriction
Great for first time home buyers
Property types: Site built home, modular homes and manufactured homes
New construction available
Grant programs
Down payment assistance when available

USDA Loan Programs

Purchase
100% financing
580 credit score minimum
NO credit score programs available
Minor renovation loans available
Income restrictions do apply
Great for first time home buyers
Seller can pay up to 6% towards closing costs and prepaid items
Also, can roll in closing costs and prepaid items “up to” the appraised value
Property types: Site built home and modular homes
New construction programs available
Grant programs
Down payment assistance when available
*Can’t own any other real estate with a home located on it.
only refinance if already have a USDA loan. Refinance USDA to USDA.

VA Loan Programs

Purchase or refinance
Limited to veterans, wives of deceased veterans or reservists with time in service
100% financing
500 credit score
NO credit score programs available
Renovation loans available up to 35K
Great for all borrower types with veteran eligibility
No income restrictions
Seller can offer up to 4% towards closing costs and prepaid items
Property types: Site built home, modular homes and manufactured homes
New Construction loans available
Grant program eligibility
Down payment assistance when available

CONVENTIONAL LOAN PROGRAMS

Purchase or refinance
620 minimum credit score
NO credit score programs available
1% DOWN for first time home buyers – income restrictions apply
3% DOWN for first time home buyers – income restrictions apply
5% DOWN no income restrictions
Great for all borrower types
Property types: Site built home, modular homes and manufactured homes
Renovation loans available
Grant program eligibility
Down payment assistance when available
New Construction loans available

Construction Loans

All Types
Land & Home Purchases
Home Alone on Your own property
VA 100%
FHA 96.5%
USDA 100%
Conventional 95%

NON – Conforming Conventional Loans Programs

No income verifications
Stated income
Self-Employment programs
Scores as low as 500
Bank statement programs
1 day out of Bankruptcy
1 day out of Foreclosure
Bad credit OK

Reverse Mortgage Loans

HECM insured by FHA

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