Private Money Chattel Mortgages
for Homes Sold by Central Florida Property Advisors, LLC
If you’re purchasing a home in a land-lease community, a chattel mortgage may be the perfect solution. Central Florida Property Advisors, LLC offers in-house financing on the homes we sell, making it easier than ever to own your Florida dream home.
With this type of loan, the home is financed similarly to how you might finance a car. You’ll take full responsibility for the home—including insurance, taxes, registration, and upkeep—while title remains in our company’s name until the loan is fully paid off.
You’ll also be responsible for paying lot rent directly to the community, as well as any applicable homeowner association fees.
Here’s what sets us apart:
- No credit checks. Life happens, and credit scores don’t always tell the full story. We believe in second chances and simple solutions.
- Straightforward terms. Most homes require a minimum down payment of just $3,000 – $5,000.
- Predictable payments. Monthly payments are always $800—no surprises, no hidden fees.
We’re here to make homeownership in Central Florida accessible, affordable, and stress-free.
Traditional Financing Options
for Homes Offered Through Coldwell Banker Realty
For homes listed by Marilyn Ridge through Coldwell Banker Realty, traditional financing options are available. These homes are typically located on owned land or in communities where conventional mortgages can be used.
Buyers may qualify for:
- Conventional loans
- FHA or VA loans
- Financing through local or national banks and mortgage lenders
Loan approval is based on factors such as credit score, income, debt-to-income ratio, and employment history. We’ll guide you through the process and connect you with trusted mortgage professionals if you need help getting started.
If you’re unsure whether a home qualifies for traditional financing, just ask! I’m happy to help you explore all your options.
