Purchasing a manufactured home in Florida offers many advantages. Whether you’re looking to move to a big city or a small rural town, the Sunshine State has plenty of living options to fit your lifestyle and needs.
With financing from CIS Moving Home, purchasing the home of your dreams is faster and more simple than ever. Contact us today to learn why so many borrowers from all over Florida trust CIS Moving Home for their manufactured home financing needs.
Manufactured Home Financing Options in Florida
At CIS Moving Home, we’re happy to work with applicants to meet their specific borrowing needs. Here are some of the mobile home loan options that might be available to you in Florida.
A VA loan is a mortgage program available through the United States Department of Veterans Affairs. The VA sets qualifying standards and dictates the terms of the mortgage offered while a private lender provides the financing for the loan. CIS Moving Home can help you determine whether your service allows you to qualify for a loan.
Federal Housing Administration (FHA) loans are mortgages issued by a lender and backed by the federal government. FHA loans help families with low to moderate-income achieve homeownership, and they’re a popular financing option for first-time homebuyers. An FHA loan typically requires a low minimum down payment, and borrowers with low credit scores can apply.
USDA loans are a mortgage program offered by the U.S. Department of Agriculture for low-income applicants living in rural areas. A USDA loan can offer applicants the option of a federally backed mortgage from a commercial bank or a loan directly from the government. The USDA’s definition of rural is broad, allowing for increased eligibility.
Manufactured Home & Chattel Mortgages With CIS Moving Home
When it comes to exploring your financing options for your manufactured home, you want a company that will work with you to find the best loan for your specific needs. At CIS Moving Home, we’ve been helping people achieve the American dream of homeownership for nearly five decades. Our application process is easy, and we’ll be by your side at every step to answer questions and help determine which type of loan is best for your situation.
Some advantages of choosing us for your manufactured home loan in Florida include:
- Flexible credit qualifications: You can qualify for many of our loan programs even if your credit score is less than perfect.
- Structured payment terms: All applicants can structure their repayments over a range of terms for lower monthly payments.
- Competitive interest rates: Our loans offer competitive pricing for lower interest rates.
Types of Mobile Homes
If you’re buying a manufactured home, you have two broad options to choose from — a single-wide or a double-wide. Both types of homes undergo most of their construction and assembly in a manufacturing facility. After assembly, each piece travels to the homeowner’s property or rented plot of land. Here’s a closer look at the differences between single-wide and double-wide homes.
A single-wide is the smallest and most common type of manufactured home available. Since a single-wide is only one piece, it’s relatively affordable to move and easy to install. Many first-time homeowners prefer single-wide homes because of their versatility and affordability.
A double-wide home consists of two structures that a contractor puts together at the homeowner’s property or rented plot of land. Modern double-wide homes are popular because they meet the needs of so many Americans, including more space for families.
How to Qualify for Manufactured Home Financing in Florida
CIS Moving Home is an experienced mobile home lender in Florida, and we provide all-in-one services such as loan origination and insurance. Our simple three-step application process will help you begin your life as a homeowner as soon as possible. Before applying for one of our manufactured home loans, make sure you meet the following requirements:
- Your home is at least 400 square feet.
- A contractor completed construction on your home after June 15, 1976.
- Your home meets Federal Manufactured Home Construction and Safety Standards.
Apply for a Manufactured Home Loan With CIS Moving Home Today
CIS Moving Home is an industry leader in helping people achieve the American dream of homeownership. Our experienced, knowledgeable team will walk you through every step of the application process to ensure you get the right loan option for your financing needs. Contact us today to learn more about our chattel loan programs or the application process!
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