An Inside Look

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Financing Your Manufactured Home

People get so excited when they drive through the guarded gates of our Community. They comment on how beautifully maintained everything is. In fact, the pristine grounds and common areas continue to be one of the top reasons people choose to make Four Lakes their home. After they fall in love with the community, people often ask:  “Are loans available on manufactured homes?” and secondly, “How do I go about making an offer and taking a home off the market?!” Although our homes are reasonably priced and many buy the homes outright, there are options for those who need a little assistance in making their Florida retirement dream a reality!

Being a Family Owned company, we understand the value of excellent service, and part of that is being able to provide our new residents assistance in purchasing. We have built long-standing relationships with several local banks in order to give our residents options to finance their homes. We continue to work with these select institutions not only because of their understanding of our business but also because of their rates and quality of service.

We refer buyers to Citizens Bank & Trust and SouthState Bank. SouthState is locally based out of Winter Haven, FL, and has provided exceptional service to the majority of our customers who seek financing. We have worked with SouthState Bank for years and have worked with our current loan officer, Denise Watts, for over 6 years.  All rates are based on the buyer’s credit score, so they vary from customer to customer, but these few things remain the same:


  • All Mobile Home loans require 25% down
  • If the home is 9 years or “newer” they can go up to 20 years fixed
  • If the home is older than 9 years, they will do a 15-year fixed rate
  • VA loans are not available for manufactured homes

We are pleased to say that the process is generally very simple and home buyers do not require pre-qualification in order to start searching for their dream home here in Four Lakes Golf Club! With homes starting as low as $45,000, we are sure to have the perfect property for you – Let us help you find your home HERE or Call us to start the process today: 800-826-7076




“When you wake up in the morning you have two choices…go back to sleep and dream your dreams, or wake up and chase those dreams.”

SouthState Bank: Chris Makieslski (863) 695-7357
Citizens Main Line: Sharon R. Johnson (863) 291-3319 |

Call toll-free 800-826-7076