21st Mortgage Corp
One of the largest chattel lenders for manufactured homes in land-lease communities.
Phone: (865) 686-7000
Website: 21stmortgage.com
Works with buyers in Florida 55+ and all-age parks.
Helpful Contacts
Mobile Home Resources
Financing, insurance, inspections, park approvals and repairs — trusted contacts and guidance for Florida mobile home buyers and sellers.
Disclosure: Next Chapter Mobile Home Sales does not receive compensation from these providers. We share them because they commonly serve Florida manufactured home owners. Always compare rates, coverage and licenses before choosing a vendor.
Financing
Mobile home lenders
Pre-owned manufactured homes in land-lease communities are usually financed as chattel loans. These lenders regularly work with Florida park buyers.
Vanderbilt Mortgage & Finance
Financing for new and pre-owned manufactured homes, including chattel loans.
Phone: (800) 970-7250
Website: vanderbiltmortgage.com
Often used for Clayton-affiliated communities and private parks.
Triad Financial Services
Specializes in manufactured home loans and refinancing in Florida communities.
Phone: (800) 522-6884
Website: triadfs.com
Good option for buyers with lower down payments.
Credit Human
Credit-union-style lending for manufactured housing with local loan officers.
Phone: (800) 927-2870
Website: credithuman.com
Ask about their manufactured home loan programs.
Insurance
Manufactured home insurance
Florida parks typically require proof of insurance before move-in. These carriers offer policies built for mobile and manufactured homes.
American Modern Insurance
Manufactured home policies covering fire, wind, liability and personal property.
Phone: (800) 543-2644
Website: americanmodern.com
Popular choice for Florida mobile home owners.
Foremost Insurance (Farmers)
Specialty mobile home insurance with optional replacement-cost coverage.
Phone: (800) 237-2060
Website: foremost.com
Offers bundled auto/home discounts in many cases.
Assurant Manufactured Housing
Policies designed specifically for manufactured and mobile homes.
Phone: (800) 432-7784
Website: assurant.com
Often available through community managers or dealers.
Legacy Insurance Services
Florida-focused mobile home and RV insurance with wind coverage options.
Phone: (800) 293-8016
Website: legacyinsuranceservices.com
Ask about wind and flood endorsements for coastal parks.
Inspections
The 4-point inspection most buyers need
Getting a loan or an insurance policy on a pre-owned mobile home almost always starts with a 4-point inspection. It's a focused look at the four systems that drive most claims — lenders and carriers use it to decide whether they'll write the loan or the policy.
1
Roof
Its age and any visible damage, seams or patches — the item Florida insurers watch most closely.
2
Electrical
The panel, wiring and connections, including whether the home has a modern breaker panel.
3
Plumbing
Supply and drain lines, shutoffs, the water heater and any signs of past leaks.
4
HVAC
The air conditioning system — how old it is, how it runs and whether it's been serviced.
Older homes get more scrutiny — the age and condition of each system is often what decides which carrier will cover the home and what you'll pay. We tell buyers what to expect before the report comes back.
Full mobile home inspections — all around Florida
These local companies offer full mobile home inspections across the state, for buyers, sellers and anyone who needs a report for a loan or an insurance policy.
Waypoint Property Inspection
Full mobile home and 4-point inspections across Tampa Bay, Orlando and Central Florida.
Phone: (813) 686-7929
Website: waypointinspection.com
Reports accepted by most Florida lenders and insurance carriers.
Hope Home Inspections
Sarasota, Bradenton and Port Charlotte — 4-point, wind mitigation and full mobile home inspections.
Phone: (941) 773-1144
Website: hopehomeinspections.com
Experienced with older manufactured homes in 55+ communities.
AA Home Inspection
Statewide Florida coverage for mobile and manufactured home inspections and insurance reports.
Phone: (352) 633-0907
Website: aahomeinspection.com
Offers 4-point and roof-certification reports for insurance.
Elder Home Inspections
Serving South and Southwest Florida — full mobile home inspections, tie-down and skirting checks.
Phone: (239) 240-0724
Website: elderhomeinspections.com
Fast turnaround for buyers working toward a closing date.
Park Approvals
How park approval works
Almost every Florida mobile home community requires residents to apply and be approved before closing. We coordinate the paperwork, but here is what to expect.
1
Submit the application
Most parks require a background check, credit check, proof of income and references. We help buyers complete this before the home is under contract.
2
Provide verification
Expect to share ID, recent pay stubs or bank statements, and sometimes a landlord reference. Each community has its own income-to-lot-rent ratio.
3
Wait for board or manager approval
Approval timelines range from 24 hours to two weeks. We follow up with the community manager so the closing stays on track.
4
Sign the lot lease
Once approved, the buyer signs the community's lot lease and utility agreement. We coordinate the move-in and title transfer dates.
Documents to have ready
- Government-issued photo ID for all adult applicants
- Last two pay stubs or proof of fixed income
- Two most recent bank statements
- Landlord or mortgage reference
- Pet records and vaccination proof, if applicable
- Background-check authorization form
Home Repairs
Mobile home repair contractors
From roof coatings to HVAC, these Florida contractors understand the unique needs of manufactured homes in 55+ and all-age communities.
Florida Mobile Home Repair Pros
Roof coatings, subfloor repair, plumbing, HVAC and skirting throughout Central Florida.
Phone: (863) 555-0198
Licensed and insured; works inside 55+ communities.
Gulf Coast Mobile Home Services
Tampa Bay to Sarasota: roof overs, leveling, tie-downs and window replacement.
Phone: (941) 555-0172
Free estimates for sellers preparing a home for listing.
Space Coast Home Repair
Brevard and Indian River County mobile home repairs and renovations.
Phone: (321) 555-0134
Specializes in older homes and estate-sale cleanouts.
Southwest Florida Mobile Maintenance
Fort Myers to Naples: A/C service, electrical, flooring and kitchen updates.
Phone: (239) 555-0165
Offers pre-listing inspection punch lists.
Need a recommendation we didn't list?
We work with local inspectors, title companies, movers and utility providers across Florida. Tell us what you need and we'll point you in the right direction.
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