Palm Harbor

Palm Harbor Homes is Florida's premier manufactured home builder, serving both Florida and the entire southeastern United States. We are the nation's top-selling brand of manufactured homes, with over 600 floorplans and more than 130 company stores nationwide.

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Country Place Mortgage

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Read about the MORTGAGE PROCESS ...step by step


At CountryPlace Mortgage, we know one thing: How to get loans approved, processed and closed with the least amount of hassle and in the most timely fashion. And whether this is your first mortgage or your fifth, we will make the process a "simple" one for you.

CountryPlace Mortgage is owned and operated by Palm Harbor Homes (that's right, the company that built the home you're buying) specifically to offer you the best mortgage programs, custom designed to make your home buying and financing experience a breeze. You see, it's important to us for you to have a pleasant and positive experience. We firmly believe that when you do have good experiences, you'll tell someone else. CountryPlace and Palm Harbor need you and promise you our best efforts.

What is a chattel loan?
The term "chattel loan" simply means that the loan is secured by something movable—not the real estate. What does that mean to you? It means you can finance your factory-built home by itself without tying up your land with a lien.

If you want to keep your money in your own pocket and build home equity faster, if you want your home financing to be fast and hassle free, or if you want your land to be free and clear from your home financing, then chattel financing is the right choice for you.

Chattel financing makes home ownership as easy as 1-2-3-4!

  1. Complete one of our simple, easy-to-use CountryPlace Mortgage credit applications.
  2. Provide your Palm Harbor model center representatives with the documents required to complete the financing.
  3. Meet with your Palm Harbor representatives for your closing.
  4. Your beautiful new home is delivered and the final trim out is completed.

What documentation do you need for chattel financing?

The 5 things listed below are the minimum requirements on each loan — regardless of your credit score.

  1. A valid drivers license
  2. A valid Social Security card
  3. Verification of your income
  4. Verification of your down payment
  5. Verification of your employment

There may be additional loan requirements, based on your individual credit profile. Be sure to ask your Palm Harbor home professional for more information about making your new home purchase easier with a CountryPlace mortgage.

The mortgage process...step by step

Since no college we know of offers a course called Applying For A Mortgage 101, we thought we'd walk through the process. After all, knowing what to expect will save you time and effort.

1. Application
When you visit our retail location and fill out the application, your sales consultant will submit your application to us. Within one working day, he or she will get back with you and let you know where things stand. Your sales consultant knows all about the different types of mortgage programs we have and will discuss the ones best suited for your needs.

2. Loan Processing
Once we have your paperwork, we verify all information and order a credit report. And if everything checks out okay, your file goes to Underwriting.

3. Underwriting
This is the big check point. Is your credit history in good shape? Can you realistically afford the loan? If the answers are yes, you're almost through!

4. Appraisal and Preliminary Title Search (if applicable)
Our next step is to order an appraisal of your property to determine it's value, then have a title company or attorney check to make sure that all the official records regarding the ownership of the property are in order. There are fees connected with these services which your Sales Consultant will discuss with you.

5. Commitment
A short time after you provide CountryPlace with your documentation, your loan officer will be on the phone with the final response to your application. If the appraisal and title search (if applicable) come back with "no surprises," you're in the home stretch. CountryPlace will issue a commitment to make you a mortgage loan. If there are any further conditions to be met, they will be identified in the commitment letter.

6. Proceeding with the Order
Now that your loan has been approved and you have paid the balance of your down payment, your new home is ordered. Your Sales Consultant will keep you posted on when your home is being built and when you can expect it to be on your lot or property.

7. Closing
When it's time to close your loan, your sales consultant and/or the closing agency will notify you to come in and sign all of the required documentation. You'll sign your name about a dozen times and it will be done. Except for writer's cramp, it was pretty painless, wasn't it?