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If you own a manufactured home and want to sell it, or you know someone who is planning on buying a manufactured home in Central Florida


This is not necessarily true for the rest of the nation. Researching this topic included interviewing a vice president of a Central Florida bank, the president of a Central Florida mortgage brokerage and communicating with Martin V. Lavin, an attorney with 30 years of experience in the manufactured home industry who has a specialty in lending and writes for the Manufactured Home Merchandiser.

First, understand that your manufactured home on a rental lot is considered the same as an automobile loan and it will be a chattel loan, whereas if your home is on land you own, your loan would be a more traditional mortgage.

I conducted my Central Florida interviews then communicated the findings on ease, availability and typical interest rates to Lavin. His response shows just how lucky we are in Central Florida when it comes to financing of a manufactured home, either a new one or a resale.

“Chattel lending in the national scene sees pricing much higher than you quote from local banks.

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