Mortgages

Find the right mortgage for your new home with trusted lenders offering personalized options.

Cascade Loans

Cascade Financial Services specializes in manufactured and mobile home financing, offering tailored loan programs for home purchase, refinance, chattel (home-only) loans, and loans that include land, with competitive rates and in-house underwriting by manufactured home lending experts. They evaluate borrowers on income, creditworthiness, and property eligibility (including ability to repay and loan type requirements), with down payment, credit score, and debt-to-income guidelines that vary by program to help a range of buyers qualify.

21st Mortgage Corporation

21st Mortgage Corporation provides specialized financing for manufactured and mobile homes, offering purchase, refinance, and land-home loan options with competitive terms and no required permanent foundation in many cases (home-only). They evaluate borrowers based on ability to repay, credit history (with no strict minimum score for most loans), income, and property value, with down payments ranging from 0% to 35% depending on credit profile and loan type.

Mobile Home Insurance in Florida

Due to Florida’s insurance market and the age, construction, and location of many mobile homes, most private insurers do not offer coverage—making Citizens Property Insurance Corporation the primary option available.

State-Backed Coverage Through Citizens

Citizens is Florida’s state-created insurer designed to provide coverage when private insurance is unavailable. It offers essential protection for mobile homes, including dwelling and liability coverage.

Inspection & Eligibility Requirements

To qualify for coverage, the home must pass a 4-point inspection, which evaluates the roof, electrical, plumbing, and HVAC systems. The home must meet Citizens’ safety and condition standards, and additional inspections or updates may be required before a policy is issued.

Mobile Home Inspections

If you’re unsure where to start, reach out to us for a list of reputable, mobile-home-experienced inspectors we regularly work with. Having the right inspector can help ensure accurate reporting, fewer surprises, and a smoother transaction overall.

Mobile Home Inspections & 4-Point Requirements

Mobile home inspections are a critical step in the buying and selling process, helping identify potential safety issues, maintenance concerns, and costly repairs before they become problems. In Florida, inspections are especially important due to insurance requirements and the age of many manufactured homes.

A 4-point inspection focuses on the four main systems insurers care most about: roof, electrical, plumbing, and HVAC. Many insurance carriers—including Citizens, which is often required for mobile homes—will not issue a policy unless the home passes a current 4-point inspection.

During a 4-point inspection, a licensed inspector evaluates the condition, age, and functionality of these systems to ensure they meet minimum safety and insurability standards. Any deficiencies may need to be repaired or updated before insurance coverage can be approved.

Disclaimer: All lender and insurance company names and logos are trademarks of their respective owners and are used for identification and informational purposes only. Luxe MH Sales LLC is not a lender or insurance provider and does not make credit, underwriting, or coverage decisions. Financing and insurance terms, availability, and qualifications are determined solely by the respective third-party provider and may change without notice.