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Florida Property Type · Modular Home

Modular Home Mortgage in Florida

Built in sections but financed like a site-built home — full loan access.

State code
Built To
3%
Min Down
Like site-built
Financing
Growing
Florida
Call Now
Get Pre-Approved in Modular Home
5 minutes · No cost · Soft credit pull only
NMLS# 2337695 · Equal Housing Lender
Modular Home · Florida

Modular Home Mortgage From a Florida Mortgage Broker

A modular home is built in sections in a factory but assembled on a permanent foundation to the same state building code as a site-built house. Because of that, it finances exactly like traditional construction — no special loan needed.

Unlike a manufactured (HUD-code) home, a modular home is real property from the start and appraises against site-built comparables. That means full access to FHA at 3.5% down, conventional at 3%, VA, and USDA. New modular builds can use a construction-to-permanent loan that covers the build and the mortgage in one close.

We make sure the appraisal treats your modular home as the site-built equivalent it is, and we match new builds to construction lenders comfortable with modular delivery in Florida.

Modular Home at a Glance

✓Built to the same state code as site-built homes.
✓Financed like traditional construction — full loan access.
✓FHA from 3.5% down; conventional from 3%.
✓New builds use construction-to-permanent loans.

Go deeper on financing a modular home: Requirements · Financing Guide · FHA · Conventional · DSCR.

Modular Home Snapshot
Built ToState code
Min Down3%
FinancingLike site-built
FloridaGrowing
How It Works
01
Apply Online
5 min · soft credit pull only
02
Match Loan
We shop lenders for the property
03
Processing
Our team handles paperwork
04
Close
We coordinate title and signing
FAQ

Modular Home Questions

Is a modular home financed differently than a regular house?

No. A modular home is built to state code on a permanent foundation and is real property from the start, so it uses the same FHA, VA, USDA, and conventional loans as a site-built home — and appraises against site-built comps.

What is the difference between modular and manufactured homes for financing?

A modular home meets state building code and finances like a site-built house. A manufactured home meets the federal HUD code and has stricter loan rules. The code it is built to changes the financing — modular is the easier path.

Official resources

Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.

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Financing a Modular Home?

A licensed Florida mortgage broker who matches the loan to the property. 5-minute pre-approval, honest numbers.

(561) 300-0380

Figures are illustrative only and vary by property, credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 2337695. Equal Housing Lender.