Manufactured Home and Commercial MHP Specialist
Specializing in nationwide commercial mobile home park loans and residential manufactured home loans in FL, MD & MO. When other lenders say no, I work to find a way.
Amy Brown
NMLS #2310281
Your residents deserve access to fair financing options. I specialize in loans for homes on leased land and can help educate your community about their options.
Get in touchI finance mobile home park and manufactured housing community acquisitions nationwide, from $200K to $10M+ — the park and the homes inside it, all under one roof.
Let's talkFind out which loan program fits your situation — even if you don't own the land, have limited credit, or have been turned down before.
Take the loan quizManufactured home deals don't have to fall apart over financing. I specialize in the loan programs other lenders don't offer — so your buyers can close with confidence.
Learn moreStrong demand, institutional interest, and favorable pricing conditions — is now the right time to sell your manufactured housing community?
The TOH vs. POH question shapes expenses, risk, workload, and valuation for any manufactured housing community. Here's how to think about both models.
The short checklist of what you actually need to start a mobile home park loan. Seven items, what comes next, realistic terms. Free PDF.
Deal Analyzer
Cap rate, DSCR, debt yield, cash-on-cash, and 5-year IRR from the numbers in the offering memorandum.
Cap Rate
9.61%
Cash-on-Cash
12.28%
DSCR
1.66x
5yr IRR
22.4%
Cap rate, DSCR, debt yield, and cash-on-cash — calculated the way lenders do
Agency vs. bank vs. bridge — which financing path fits your deal
5-year IRR with rent growth and exit cap sensitivity
Send the full analysis to Amy for a second opinion
Loan Programs
Whether you're buying a park or a home, there's a program designed for you.
Commercial (Nationwide)
Non-recourse permanent financing for stabilized mobile home parks with strong occupancy and operating history.
Relationship-based financing from local and regional banks for smaller parks and experienced operators.
Short-term capital for parks that need improvements, have low occupancy, or require fast closing.
Direct financing from the seller — flexible terms, lower barriers, and faster execution for non-bankable deals.
Residential (FL, MD & MO)
For homes in parks or on leased land. No land ownership required. The fastest path to homeownership for park residents.
Tier 1
Tier 2
For manufactured homes on owned land with permanent foundations. Low down payments and competitive rates through government-backed financing.
For eligible veterans and active military. Zero down payment, competitive rates, and no monthly mortgage insurance.
Fannie Mae and Freddie Mac programs for qualifying manufactured homes. Rates and terms comparable to site-built homes.
Park Acquisition Inquiry
Share a few details and I'll reach out to discuss your financing options.
Testimonials
"Amy was wonderful to work with. I had a unique and difficult situation and she was still able to find a lender that had a product for what I needed. She exhibited the perfect balance of patience and professionalism. I highly recommend Amy for her knowledge of the industry, her wonderful disposition, and her friendly personality."
Sean H.
"Amy is just so great at what she does as a loan officer. Me being self employed, I thought it would've been difficult to get approved for a loan, but Amy reassured us we can get qualified which delivered. She was very responsive, very professional and very informative. If you need a loan officer, Amy is your best bet."
Gedeon K.
"Amy communicated with me each and every day... I never had to wonder what was happening. I highly recommend Amy Brown."
Misty A.
Testimonials from Amy's broader mortgage practice. MHP acquisition case studies coming as deals close. Individual experiences may vary.
Common Questions
The information above is for general guidance only and does not constitute a commitment to lend. Rates, terms, and program availability are subject to change without notice and may vary based on creditworthiness, qualifications, and lender approval.
Get Started Today
Whether you're acquiring your first park, expanding a portfolio, or advising a client on a deal — I'm here to help.
Prefer to call?
(410) 245-2360