Updated October 2026

Quick answer: North Star Mortgage Network, Inc. is a Jacksonville mortgage broker that has financed manufactured homes across Florida since 2000. We shop FHA, VA, USDA and conventional manufactured home loans across many wholesale lenders for buyers in Baker, Bradford, Clay, Columbia, Nassau, Putnam, Union and the rest of Northeast Florida. Most loans require the home to be on a permanent foundation and titled with the land; program guidelines apply, and lender overlays may be stricter.

Get a rate quote · Start an application · Call 904-880-6741

Can I finance a manufactured home with land?

Yes. This is the most common case, and it's where you'll find the most loan options. The home and the land are financed together as one mortgage, the same way a site-built house is. That works for buying an existing home on land, refinancing, or buying land plus a new home together (a land-home package).

What makes a manufactured home eligible?

Most mortgage programs look for the same basics. Each lender adds its own rules, so treat this as a starting checklist:

  1. Built after June 15, 1976, with its HUD certification labels (the metal tags on each section) and the data plate inside.
  2. Permanent foundation that meets the program's foundation standard. An engineer's foundation certification is usually required.
  3. Titled as real property with the land. In Florida that typically means retiring the vehicle title so the home and land are one parcel.
  4. Minimum size and width. Many programs require at least 400 square feet, and some lenders won't finance single-wides.
  5. Not moved from its original installation site, for most government-backed loans.

Missing a HUD tag or a foundation certification is the most common problem we see. Both can usually be fixed before closing if you start early.

FHA, VA, USDA or conventional: which fits?

Loan type Down payment Good fit when
FHA 3.5% for qualified borrowers Moderate credit, or you want flexible qualifying
VA 0% for qualified veterans You're eligible and the home meets VA requirements
USDA 0% in eligible rural areas The home is in a USDA-eligible area and you're under the income limit. Large parts of Baker, Bradford, Union, Putnam and rural Clay and Nassau qualify
Conventional Low down payment options for qualified borrowers Stronger credit, or newer multi-section homes

FHA, VA and USDA guidelines may change, and lender overlays may be stricter. Any rate or payment we discuss is an estimate based on the information provided.

What if the home isn't on its own land?

Homes in a land-lease community, or homes titled as personal property, need a different loan, usually called a home-only or chattel loan. These come from specialty lenders, and rates and terms differ from a mortgage. Call us and we'll tell you honestly whether a mortgage or a home-only loan fits.

Can I put down payment assistance toward a manufactured home?

Sometimes. Some Florida programs allow manufactured homes that meet their rules, and some don't. Ask before you sign a contract. See down payment assistance in Northeast Florida.

Where manufactured homes are common around Jacksonville

Manufactured homes are a big part of the housing in Northeast Florida's rural counties. In Union County, almost half of all homes are mobile or manufactured (Census ACS 2019–23). We regularly help buyers in:

  • Baker: Macclenny, Glen St. Mary, Sanderson
  • Bradford: Starke, Lawtey, Hampton, Brooker
  • Union: Lake Butler, Worthington Springs
  • Columbia: Lake City, Fort White
  • Putnam: Palatka, Interlachen, Crescent City, Melrose
  • Clay: Middleburg, Keystone Heights, Penney Farms, Green Cove Springs
  • Nassau: Callahan, Hilliard, Bryceville, Yulee
  • St. Johns: Hastings, Elkton, west St. Johns
  • Duval: Westside, Baldwin, Northside
  • Flagler: Bunnell, west Flagler
  • Alachua: Hawthorne, Archer, High Springs

See Baker and Bradford County home loans and our Clay and Nassau county pages.

More manufactured home help

Why work with a broker on a manufactured home

Manufactured home loans are where lender rules differ the most. One bank won't do single-wides, another wants a newer home, another needs a higher score. As an independent broker since 2000, we check your home and your numbers against many wholesale lenders instead of one rulebook. You get competitive pricing, fast closings on complete files, and Nathan or Karla on the phone. North Star has Hundreds of 5-Star Google Reviews, and Nathan Young was named 2025 NAMB Mortgage Broker of the Year.

Manufactured home loan FAQ

Can I get a mortgage on a mobile home in Florida?

Yes, when the home was built after June 15, 1976, sits on a permanent foundation, and is titled as real property with the land. Homes on rented land usually need a home-only loan instead. Program guidelines apply.

Can I use FHA for a manufactured home?

Yes, for qualified borrowers, with as little as 3.5% down, when the home meets FHA's foundation, size and title rules. FHA guidelines may change, and lender overlays may be stricter.

Can I use a VA loan on a manufactured home?

Often, yes, when the home is permanently affixed and titled with the land and meets VA and lender requirements.

Will lenders finance a single-wide?

Some will and some won't. That's a lender overlay, not always a program rule, which is why shopping many wholesale lenders matters.

What if my home is missing its HUD tag?

A replacement label verification can often be ordered. Start early, because it can take several weeks.

Is USDA available for manufactured homes?

In eligible rural areas, for qualified buyers, usually on newer homes that meet USDA's rules. Large parts of Baker, Bradford, Union and Putnam counties are USDA-eligible.

North Star Mortgage Network, Inc. · 12058 San Jose Blvd, Suite 404, Jacksonville, FL 32223 · 904-880-6741 · Company NMLS #356789 · Nathan Young NMLS #325206 · Equal Housing Lender

Available for qualified borrowers; program guidelines apply. FHA, VA and USDA guidelines may change, and lender overlays may be stricter. Any rate or payment figure is an estimate based on the information provided. Rates and terms are subject to change. All loans subject to credit approval.