Mobile Home Refinance and Equity Loans in Florida

Mobile home refinance and equity loans in Florida for bad credit is a big dream. What is a mobile home and land loan in Florida? A mobile home or manufactured home and land you need to own a doublewide, no in a mobile home park, and your mobile home needs to have titles, on a foundation and be over a 1999 year, and have your own land. If you don't own the land. Our company can't help you So sorry. Use the equity in your free and clear, zero mortgage, paid off manufactured home and land to get the cash out you need just based on the equity, not Credit. Our private investors will put a 1st mortgage loan on the equity of your mobile home and land bad credit request.

We have closed thousands of mobile home and land loans over 40 years. Our underwriters specialize in designing mortgage loans for borrowers who need people who can speak their language. In fact, most of the loans we work on are mobile home and land loans.

How Do You Get a Mobile Home and Land Bad Credit or Hard Money Loan?

The first thing you do is to call one of our specialized expert loan officers and underwriters. They will interface with our private investors. Our investors love to do mobile home and land equity loans and refinances.
Our private investor will come to you home to inspect the property condition pride of ownership is very important.
Once you pass the inspection, you will submit application, income documentation.
We will order you title and appraisal. You must have clear title no leins or judgments on your title.
Once the title comes back you will be given a clear to close and review your cd.
A closing day will be set. Then a mobile closer will come to your home to close your deal. You will get your cash 3 days later. Simple, easy, fast.

Reasons People Want to Get a Hard Money Mobile Home and Land Refinance

They lost their job and need to pull out extra cash to leave.
They need to do home improvement
They need to do a debt consolidation loan to pay off credit cards.
They want to purchase a car or truck
They want to have cash reserves in their savings accounts.
They want to use the money to purchase land around their home.
There is so many reasons why. Our underwriters honestly don't mind what the cash is for.

How Long Does It Take to Get a Florida Hard Private Money Hard Mobile Home Refinance?

It can take as little as 5 days to 14 days assuming you turn in all your paperwork, your appraisal is fine, and your title comes back free and clear.

We would enjoy helping any Florida homeowner who owns a manufactured home or mobile home double-wide or triple-wide. If you have tried your bank, been turned down by your credit union. If you want to pull equity out of your mobile home and land. Give us a chance to speak with you and you will see what we make is so fast, simple and easy to get your refinance done. Our investors and private money lender underwriters have hundreds of years of experience to help you.

Florida Hard Money Condo Refinance/Equity Loan

Florida condo owners have had much turmoil over the last three years dealing with the upgrades by the state of Florida on their condos. Hurricanes and high association costs increase because the condo association can't cover their fees.

Many Florida condo and townhome owners do not have good credit, and they need to pull cash out of their condos for many reasons.

What is a Florida Condo Hard and Private Money Refinance/Equity Loan?

A condo hard money refinance is a loan where the borrower has equity in their condo and wants to leverage that equity since they have bad credit to pull cash out of their condo or townhome. Our private money investors will secure a 1st deed mortgage loan just like a bank on that property for the specific loan amount.

How Do I Get a Florida Condo Loan with Bad Credit?

Even if you have been turned down by the banks and credit unions, we have a network of private investors who bring us money. They are seeking Florida homeowners and condo owners who own, condos free and clear, paid off, zero mortgage who want to secure the equity on the condo using it as collateral.

You will fill out an application
One of our hard money loan officers will call you
One of our investors will come to your property and inspect the property directly. You get to meet your lender many times.
Once that process is done, the underwriter processor will order your title and appraisal. You might submit a few extra documents as well.
Then the title will come back. One important document will be the condo association. A lot of borrowers on condo use because they or behind on the condo association fees. This must be brought current on all loans. We can pay this in the loan.

Our investors typically lender 50 to 60% of the value of the condo with varying terms. You will pay the private lender directly. A private money mortgage promissory note will be filed and you will have a 1st mortgage not on your property. You will not make your 1st mortgage payment for 40 days. The condo hard money loan process is fast, easy, and simple, and we have closed thousands of Florida condo loans. It doesn't matter if you own a Florida condo in Ft. Myers, Miami, Destin, Ft. Lauderdale, or West Palm Beach.

Our underwriters have streamlined the condo hard money loan to make it stress-free for the borrower. They will guide you and answer all your questions and if your title is clear you will close in 7 to 10 days.

Florida Hard Money Equity Refinance and Collateral Loan

In the New Year, everyone is concerned about eliminating debt and cutting costs on high-interest credit cards. 2025 is a great time to evaluate your overall debt and income coming in. And one of the best ways to give yourself a pay raise is to pay off all your monthly bills and only have one payment.

What is a Hard Money Collateral Loan?

A hard money loan is a loan secured against your real estate such as your primary home, condo, secondary home, mobile home, and land or investment property. Our investors will put a 1st mortgage lien on your property and record it in property records. They will use the collateral in your Florida home as secured real estate to back the loan. It's not based on credit but on the equity in your home. That is what a Florida hard and collateral-based loan is.

You have gone to a Florida bank or credit union and they may have turned you down because of the following:

Bad credit
No credit
You're self-employed
No job
Lack of income
Liens or judgements
Not willing to take the time to piece all your income together
Recent bankruptcy, but you have the equity

Our hard money and collateral-based lenders will be more than happy to speak with you, inspect your property, and give you an evaluation on what that can lend based on the equity in your home.

Why Do I Want a Hard or Collateral-Based Loan?

It's lightning fast - 14 days, not 30 to 45 days like a bank
Our underwriters will work with your income
Recent Chapter 7, no problem
Previous foreclosure, no problem
Self-employed, no problem
Use only the equity in your property collateral not the credit
Easy, stress-free loan process with people who care

What Can I Do with the Money I Borrow on My Florida Hard Money or Collateral Loan?

You can use your money for debt consolidation
Pay off car and auto loans
Pay off tuition and finance loans
Home improvement
Use to start a business
Use for investments
Use for cash reserves

Whatever the reason you can use the cash out for whatever you need. Using a hard money or collateral-based equity loan. You will speak with one of our private investors, who will go directly to your home to inspect the property. Get to know your lender on a one-on-one basis. We will order the title and appraisal and get you closed in about 14 days or less with a clear title. This is the easiest and stress-free cash-out hard money refinance in Florida. If you have been turned down and need cash out fast, for an emergency and time is important then give us a call today.

Florida Double Wide and Triple Wide Refinance and Equity Loan

Florida has one of the largest concentrations of manufactured homes, mobile homes double and triple-wide homes with land in the country. We cater to helping clients who want to refinance and pull cash out of their mobile homes in Florida. Most banks will not do a mobile home with land. However, you can use private and hard money to help refinance your doublewide and triplewide with land in Florida. Credit score is not important. A private investor will look at the equity in your mobile home and land. If you don't own the land they can't help you.

How Do I Get Approved for a Mobile Home Loan with Bad Credit?

You must own a doublewide 1990 an above in age, and it must be on a foundation, ideally most lenders want to see, .25 of an acre, or 1/2 and acre. We do not entertain rv parks or mobile home parks. The residents dont own the land. You must own the land and the mobile home and ideally we like them to be free and clear, 100% equity no mortgage. Our investors will use the equity in the problem and not look at credit.

Steps in Getting a Florida Home Loan and Land Refinance

Call your local private money investor. They will determine how much equity you have.
Fill out an application.
Send in your income documents.
Order title.
Order appraisal.
Review CD/Hud final numbers for your review before you clear to close.
Clear to close.
Set a time with the title agent and loan officer.
The day of closing.
3 days right of recession and get your cash after the 3 days.

What is the Private Investor Looking For in My Double/Triple-Wide and Land?

They are looking for pride of ownership,
Clean home, foundation, good condition of the property.
They are not looking at credit. Equity and condition of the home are significant.
No trash, or old cars, fences, or decks in good shape. Good curb appeal is the best way to put it. Please put your best foot forward as the investor will go directly to meet you and inspect your home.

How Long Does It Take to Get a Double Wide and Land Refinance, Equity Loan with Bad Credit in Florida.?

It usually takes two weeks from the time you apply once the steps of the loan process have been in place. It can take longer if you have title issues, liens, or judgments against your home. Once you get clear to close, it usually takes a two to three-week process.

How Much Land Will You Refinance with the Mobile Home?

We have borrowers who own one, two, 10 up to 50 acres and will leverage the equity in your mobile home with the land to get you the cash you need. The smallest loan amount is 30,000 up to 1 million if you have the land and its have the value. Our investors will give you the best value and the max loan to value is 50% so you still have 50% equity in your property.

What Cities or Towns in Florida Do You Do Mobile Home Refinances In?

Our hard money lender will do your double or triple-wide loan in Tampa, Miami, Lakeland, Orlando, Sarasota, Gainesville, Saint Augustine, Jacksonville, Spring Hill, Brooksville, and Ocala. If you're in Florida, contact us!

I Own a Mobile Home with Land and Have a Horse Farm with a Barn; Can I Use the Barn as Value or Other Out Buildings?

Yes, our investors and the appraiser will use all your buildings and all the acreage to determine and give you the best value to get you the loan amount you need. What if I own a mobile home with land and have a nursery with acreage, can I still get a home refinance loan? Yes.

What Type of Mortgage will the Private Investor Put on My Mobile Home?

The private investor will put a first mortgage lien note on your property, a legal document, reviewed by an attorney, and it will have rate, and terms spelled out. You will get this at the closing and even when you sign the document. You will have 3 days to change your mind should you not want to do the loan. The private investor again keeps the loan to values at 50% and you still have over half of the value of your property available to keep your cost down and risk down to you and the investors. And you still have lots of equity in your mobile home and land.

Our experienced team of underwriters, investors, and loan officers will work with you and guide you through the mobile home refinance process each step of the way to make it a simple, easy, stress-free experience.

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