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Buyer and Resident Education

History

Suburbs On Wheels: A History of American Trailer Parks

This is a fascinating video that covers the early days of mobile home living. It takes you from the early days in the  1930's  through the 60's.  Click on the picture to be taken to the video.

Wheel Estate

Allan D. Wallis

The definitive reference on the history of mobile and manufactured homes.  This work chronicles the development of today's manufactured home communities from the early days of travel trailers through the building of the modern parks.  A must read for any advocate of manufactured home parks.

The Long Long Trailer

The classic movie depicting a young honeymoon couple living happily in their 1950's mobile.  Provides some great views of life in parks at that time. 

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Agencies with extensive MH Coverage
(Scroll down to see all)

Agent/Agency Area Served Phone Number Website
Four Star Homes Central Florida 386-233-3441 Click Here
The Mobile Home Dealer Central Florida 941-526-0302 Click Here
Mobile Home Spot Central Florida 844-888-7768 Click Here
Florida Mobile Homes For Sale Statewide by Agent Click Here
SUN Realty Statewide 813-803-4610 Click Here
Sunset 123 Central Florida 813-215-0080 Click Here
My Florida Dreams Central Florida 941-981-3424 Click Here
Elite Mobile Home Sales Central Florida 813-517-0076 Click Here
Coast to Coast Statewide by Agent Click Here
GPS Housing Central Florida 352-308-3379 Click Here
Puskas Mobile Homes South Florida 954-600-1735 Click Here
Florida Mobile Home Solutions, Inc. Tampa Bay Area 727-201-0189 Click Here
Canedo Real Estate Southeast Florida 772-867-1380 Click Here
Want to be listed? Contact Me
If you provide online listings of manufactured homes in Florida and wish to be added to our lists please use the contact form

Buying Manufactured Homes New

Contact us if your business wants to be listed here

Dealers



Factories sell manufactured homes through dealers.  In many cases, this is a park owner who is selling the homes to future residents on lots in the park. There are also dealers who sell to folks with their own land. First, look through the manufacturer's offerings via the links shown here.  Each site will have menu options to take you to nearby dealers and parks that feature their products.


Many years ago, dealers sold used mobile homes which moved from park to park. Today the best resource for finding a used mobile home to move onto your lot is via the Florida Online Ads groups listed above.

INSURANCE

Can I get Insurance for my manufactured/mobile home in Florida?

Generally the answer is yes. The next most common question is: "Who is the cheapest?" That one is not easy to answer. Only a few years ago there were almost no companies left in Florida who were offering homeowners insurance for mobile/manufactured homes. Today the Florida Office of Insurance Regulation lists dozens, if not hundreds. The best way to navigate these seas is through an agent.  Even then, agents do not handle all lines and can only offer quotes for companies they represent.  There are hundreds, if not thousands, of agents in Florida.  There's a few ways to search. Use the company links on the left to get quotes or find local agents. I have listed several large agencies on the right who I am familiar with through my work with The Federation of Manufactured Home Owners of Florida (FMO).  The best way to get good info is from your neighbors. If your community has a Facebook page, post a question asking who has good rates and good service in your area.  A search online will find dozens of agents. If you want the best coverage from an agent and a company that will be there when you need them plan on spending some time on the phone.  It will pay off in savings and the comfort of knowing if something happens you have someone who has you covered.

Search for Insurance Companies doing business in Florida

Major Mobile Home  Insurance Providers in Florida 
Company Telephone EMail Website
Acentria 866-374-5084 EMail Click Here
American Family 800-6926326 Via Website Click Here
American Traditions 866-561-3433 EMail Click Here
Citizens Property 866-411-2742 Via Website Click Here
Foremost 800-527-3905 Via Website Click Here
Farmers 888-938-2121 None Click Here
State Farm 800-782-8332 None Click Here
American Integrity 866-968-8390 Email Click Here
American Modern 800-543-2644 None Click Here
KIN Insurance 877-963-4665 sales@kin.com Click Here

Insurance Agents

Company Telephone Online
Professional Insurance 800-329-5799 EMail
Dillon Insurance Agency, Inc. 866-961-0503 Call
Security Life and Casualty 800-247-7133 Call
Jack's Insurance Agency Inc. 800-732-0328 EMail
Bankers Alliance Insurance Group 800-568-5163 Website
Anderson & Associates 941-729-7355 Website
Sanford Insurance Center 407-323-5911 Website
Mobile & Manufactured Home Insurance 352-438-5430 Website
If you provide  insurance for manufactured homes in Florida and wish to be added to our lists please use the contact form

FINANCE

Company Phone Online
21st Mortgage Direct Lending (800) 955-0021 Website
First Credit 518-725-5000 Website
South State Bank 800) 277-2175 Website
First Federal (844) 370-3323 Website
JCF Financial Direct Lending (866) 967-0143 Website
Triad Financial Services Direct Lending (800) 522-2213 Website
Approved Credit Services, Inc. (800) 449-4007 Website
Credit Human (800) 688-7228 Website
Bankrate Online
MH Financing of FL 352-232-8852
Priority Funding 508-393-5511 Website
CU Factory Built Lending (866) 279-1899 Website
Florida Mortgage and Loan (772) 380-8893 Website

Lenders for Buyers in Land-Lease Parks

Can I get Financing for my manufactured/mobile home in Florida?

Yes, you can - even if it is on leased land. The home must be 1976 or newer (HUD Certified). The companies listed specialize in such loans.  If you are buying a manufactured home and will own the land it sits on you may qualify for a conventional loan for real property.  Buyers in land-lease parks obtain "chattel" loans for what is considered personal property.  The loan may be secure by the home or other asset.  Typically these are at higher interest rates than mortgages for real property.  You may also want to check with your regular bank to see if you qualify for a personal loan. Rates may be better. A bridge loan is another type sometimes used when selling your home up north and buying one in Florida. Check with your local banks or credit unions.

Buyer Programs

Other types of Financing

Owner financing may be offered. This can be a saving grace for those with no credit or down-payment but buyer beware! There are plenty of horror stories out there of folks who ran into difficulty or simply bought from unscrupulous owners and lost their homes with nothing to show for the years they paid promptly. A written contract is a must. If you can, have an attorney look it over. You might also ask  a local office offering legal aid.


Rent to buy is another arrangement used.  Not only is a contract a must but you need to do your homework. Homes depreciate. Here's an example of what doesn't work: You agree to buy a new home for $100K on a rent to buy agreement. $500/mo will go toward the payoff if you agree to buy at the end of a year. Eleven months later you go to the bank expecting you will have $6K to put down on a $100K home. But, the bank tells you they can only lend you the current value of the home $90K. Since your rent to buy agreement was to pay $100K you are $4K short and can't afford the home. Buyer Beware!

Simple Loan Calculator

Use this to look at payments and total interest on loans. A Chattel loan is the same as a personal loan



If you provide  financing for manufactured homes in Florida and wish to be added to our lists please use the contact form
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