Frequently Asked Questions

A USDA home loan is a government-backed mortgage that helps families buy affordable homes in rural areas. These loans often require no down payment, offer low interest rates, and have flexible credit requirements. Many of our homes are USDA-eligible, making homeownership more accessible to buyers. A USDA loan is a government-backed mortgage program designed to help low-to-moderate income buyers purchase homes in rural and suburban areas. It offers 0% down payment and low interest rates.

Manufactured homes are one of the fastest-growing segments in the housing market. They offer:

• Lower construction and land costs compared to traditional homes

• Steady rental demand across Florida’s rural regions

• Strong scalability with multi-unit developments

• Attractive returns backed by real property

For investors, they combine affordability, security, and growth potential.

We focus on more than just building houses. Our approach is about:

• Innovative construction techniques that reduce costs

• Sustainable designs for long-term value

• Vibrant communities where families thrive

• Affordable ownership opportunities for buyers through USDA financing

This makes our projects both impactful for communities and profitable for investors.

Florida’s rural areas are seeing rapid growth thanks to:

• Population shifts seeking affordable living outside urban centers

• Land availability for large-scale developments

• Favorable financing options like USDA loans

• Rising demand for affordable and sustainable housing

These factors create a strong foundation for long-term real estate investment returns.

Generally, USDA loans are available to:

• Buyers with moderate or low income (relative to the area)

• Families purchasing in a USDA-designated rural area

• Applicants with reasonable credit history

Our team can guide you through the process of checking eligibility and securing financing.

It’s simple. Whether you’re a homebuyer looking for an affordable home or an investor seeking a reliable opportunity, our team will walk you through every step. We’re here to make the process of owning, investing, and building communities straightforward and rewarding.

Contact us today to learn more about available homes and investment opportunities.

Yes, but only if the manufactured home meets USDA compliance requirements. Not all manufactured homes qualify, especially older ones or those without permanent foundations.

A manufactured home must meet the following:
• Built after June 15, 1976, and compliant with HUD construction standards (HUD data plate required).
• Installed on a permanent foundation that meets USDA/HUD requirements.
• Must be new or relatively new (most lenders won’t approve homes that are too old).
• Located in a USDA-approved rural area.
• Have access to utilities (water, sewer, electricity) and a road.

• The home must sit on a lot that you own or will own with the home.
• The property must be accessible by a paved or all-weather road.
• Must meet local zoning and utility access requirements.

Yes, but with more restrictions. Some lenders prefer double-wide homes because they meet appraisal standards more easily. Check with your lender for single-wide eligibility.

The home must be placed on a permanent foundation that meets HUD Handbook 4930.3 standards. A foundation certification from a licensed engineer is typically required.

Yes. USDA loans can cover both the land purchase and the manufactured home installation, as long as the site and home meet program requirements.

• Too old (pre-1976 or without HUD certification)
• Not permanently affixed to a foundation
• Located outside a USDA-eligible rural area
• On leased land instead of owned land

1. Check income and location eligibility.
2. Get pre-qualified with a USDA-approved lender.
3. Ensure the manufactured home and site meet compliance standards.
4. Order an appraisal and foundation inspection.
5. Close on the loan with little to no down payment.

You can review the latest details on the USDA Rural Development website (https://www.rd.usda.gov/) or consult with a USDA-approved lender.