Get a Florida Value Homes Manufactured Home With Up To 100% Financing & $50K Extra From BuildBuyRefi
Affordable Single, Double, and Triple Wide Manufactured Homes Across Florida, Backed by a Direct Construction Lender
Introduction To The Builder
Florida Value Homes, a registered and approved manufactured home dealer of BuildBuyRefi.com, serving the state of Florida.
Florida Value Homes is a full-service manufactured home dealer and installer serving buyers across Florida, and placing a new manufactured home on land you own is financed as a construction loan, which is where BuildBuyRefi.com comes in as your direct lender. Florida Value Homes is already registered with us, which clears the builder-approval step that slows most construction loans and can move your closing 30 days or more faster.
Qualified borrowers can access up to 100% financing plus up to *$50,000 extra before, at, or after closing. We underwrite, fund, appraise, and draw-manage in-house.
A Turnkey Florida Manufactured Home Dealer That Handles The Whole Build
Founded in 2020, Florida Value Homes has spent six years building a reputation as a turnkey manufactured home dealer that manages every part of placing a new home on your property. From the first site inspection through the final Certificate of Occupancy, the team coordinates permitting, site work, delivery, installation, electric, plumbing, A/C, stairs, skirting, and final inspections. The buyer does not chase contractors or guess at county requirements. Florida Value Homes does it all.
The company is led by owner Kyle Comino, who grew up in and around the manufactured housing industry and has managed dealerships in Indiana, Colorado, Texas, and Florida. He has sold hundreds of homes, worked on installation crews, and brings a hands-on approach to planning, executing, and completing each project on time and within budget. That operational discipline is what buyers tend to remember most about working with the company.
Florida Value Homes is a licensed Florida dealer (Dealer Number DH1132847/2) and a member of the Florida Manufactured Housing Association.
What Florida Value Homes Offers New Manufactured Home Buyers
Florida Value Homes carries a wide selection of manufactured homes, from affordable single-section layouts to larger multi-section homes with luxury finishes. Their range covers the full spectrum buyers in Florida tend to look for:
Single-wide manufactured homes for buyers who want an efficient, affordable footprint on their land. Double-wide and multi-section homes for families who need more square footage, additional bedrooms, and open living space. Beyond the home itself, the team also handles site additions like carports, sheds, and driveways, rounding out the property so it is move-in ready.
The dealer's own summary of their work is simple: from affordable to luxury, if you can dream it, they can build it.
A note on what BuildBuyRefi can and cannot finance: Our construction loan programs finance manufactured homes that are permanently affixed to a foundation on land the borrower will own at the time of closing, converted to real property under ALTA 7.1 title standards. Florida Value Homes can also sell park model homes and homes intended for placement in communities financed through chattel loans, but those are outside our financing programs. If your plan is a new manufactured home on land you own or are buying at closing, you are in the right place.
How The Florida Value Homes Process Works
Florida Value Homes uses a clear, structured process built to reduce surprises:
Discovery. An initial call covers your budget, land, timeline, and home goals to confirm the project is a good fit.
Qualification. The team reviews land ownership, credit, budget, and financing so the project can move forward smoothly. This is the stage where connecting with your BuildBuyRefi banker matters most.
Preliminary Feasibility. A signed form and small deposit confirm commitment, and the team begins due diligence: permitting, site surveys, and confirming county and city requirements for your property. This is also when you apply for financing if needed.
Contract and Home Order. You review a line-by-line project cost breakdown, sign your contract, and the home order is placed with the factory.
Home Delivery and Setup. Installation begins within two days of delivery. Florida Value Homes handles permits, full installation, electric, plumbing, A/C, stairs, skirting, and final inspections.
Certificate of Occupancy. Once final inspections pass and financing is released, you receive your C/O and the keys to your new home.
Because the home is built in a factory and set on a prepared foundation, this path is often faster and more predictable than traditional site-built construction, with fewer weather delays and tighter cost control.
Up To 100% Land & Home Construction Financing With BuildBuyRefi.com
Buying a Florida Value Homes manufactured home and setting it on your land is only part of the story. The financing has to match the build. That is where working with a direct construction lender changes the outcome.
Homebuyers working with Florida Value Homes can access specialized construction loan programs through Ilonka Avila, Vice President in our Construction Division and Top Rated® National Mortgage Banker with BuildBuyRefi.com, powered by The Federal Savings Bank. Ilonka is the preferred lender for Florida Value Homes. She is also a Veteran Lending Specialist, FHA 203K Specialist, VA Renovation Specialist, New Construction Loan Specialist, and Construction Loan Specialist.
Available options include:
One-Time Close Construction Loans.
Combine the construction and permanent financing into a single closing, with no re-qualification once the home is set and complete.
Two-Time Close Construction Loans.
Close the construction and permanent phases separately, which lets you address the permanent rate near completion.
The Hybrid Construction Loan.
An in-house structure that handles both sets of loan documents upfront, so the build operates like a single-close experience while keeping the permanent rate flexible through completion. The Hybrid is also eligible for VA and FHA streamline refinancing on the permanent loan in qualifying scenarios. No broker or correspondent can replicate it, because it requires in-house origination, underwriting, and draw management.
For eligible veterans and their spouses, our VA construction programs offer up to 100% financing with no mortgage insurance, delivered through the Hybrid and Two-Time Close structures. The VA funding fee is assessed on the permanent end loan, not during construction, and VA IRRRL streamline eligibility applies to qualifying permanent loans.
Beyond manufactured construction, our in-house program suite runs deep:
Conventional, FHA, VA, Portfolio construction loans with a 640 minimum credit score.
Jumbo construction up to $4.5 million for high-value builds.
ITIN construction loans for borrowers who file taxes with an Individual Taxpayer Identification Number. We are one of the few direct lenders offering this.
Second home and investment property construction, programs most lenders do not offer at all.
Land you already own can be applied toward your down payment. If the land carries a balance, it can be paid off and rolled into the loan.
What A Direct Lender Means For Your Florida Value Homes Loan
There is a real difference between a company that advertises construction loans and a federally chartered bank that originates, underwrites, funds, and draw-manages them in-house. BuildBuyRefi is a division of The Federal Savings Bank, an FDIC-insured, veteran-owned direct lender operating in all 50 states.
Many companies advertising construction financing are brokers or correspondents. They place your file with a wholesale investor or sell your loan immediately after closing, and the team you applied with is no longer managing your draws, inspections, or timeline once the ink dries. Those arrangements frequently carry administrative and processing fees layered on top of the loan, anywhere from $40,000 to $100,000 or more depending on size. Those fees do not build anything. Worse, they inflate the loan amount past what the completed home appraises for, which creates a cash gap at closing that buyers did not see coming.
We charge no administrative fees on our construction programs. The same banker who opens your file stays with you through every phase, including any extension your build timeline requires. Draws are released only after inspection confirms completed work, so the builder is never paid for work that is not done. That structure protects you.
Exclusive BuildBuyRefi.com Benefits For Florida Value Homes Buyers
*Up to $50,000 extra. Qualified borrowers may access up to $50,000 in additional funds before, at, or after closing. Many buyers use this to furnish the new home, add a carport or detached structure, build out a driveway or outdoor space, consolidate debt, or improve their overall financial profile heading into the new home.
Up to 30% off real estate commissions. When buying land for your new Florida Value Homes manufactured home or selling an existing property, qualified borrowers can save up to 30% on listing-side real estate commissions through our participating agent network in all 50 states. The savings are applied as a closing cost credit or toward a rate buy-down.
Low and no down payment options. Depending on your scenario and loan type, you may qualify for low or even no down payment construction financing. VA-eligible borrowers can reach up to 100% financing, and buyers with land equity can often meet down payment requirements without bringing extra cash to closing.
In-house decisions. Builder approval, draw management, and underwriting are handled inside the bank, which keeps your file moving and removes the handoffs that slow other lenders down.
Meet Ilonka Avila, Florida Value Homes' Preferred Banker
Meet Ilonka Avila, Vice President in our Construction Division with BuildBuyRefi.com, powered by The Federal Savings Bank, and the Florida Value Homes team.
Ilonka Avila is a Vice President in our Construction Division and a Top Rated® National Mortgage Banker with BuildBuyRefi.com, powered by The Federal Savings Bank. As a Veteran Lending Specialist, FHA 203K Specialist, VA Renovation Specialist, New Construction Loan Specialist, and Construction Loan Specialist, she brings the program depth that manufactured home construction on owned land requires.
Powering your build with flexible, accommodating financing, Ilonka and our team guide you through a secure and straightforward process so your experience with Florida Value Homes is smooth from order to Certificate of Occupancy.
Check Your Eligibility Today
Once you’ve submitted your information, Ilonka Avila, our Florida Value Homes Team preferred banker, will guide you through the steps from start to finish.
To be assigned to Ilonka Avila, complete the eligibility or calendar forms on this page.
Schedule A Call With Ilonka Directly
As Seen In
Frequently Asked Questions About Florida Value Homes Factory-Built Manufactured Construction Loans
1. Where does Florida Value Homes operate?
Florida Value Homes serves buyers throughout the state of Florida as a licensed dealer and installer of manufactured homes. If you are searching for manufactured home dealers near me in Florida who handle the entire process from order to Certificate of Occupancy, they are a strong option to consider.
2. Will BuildBuyRefi finance any manufactured home Florida Value Homes sells?
Our construction loan programs finance new manufactured homes permanently affixed to a foundation on land you own or are purchasing at closing, converted to real property under ALTA 7.1. We do not finance park model homes, homes on rented or leased lots, or homes financed through chattel loans. Florida Value Homes can sell those, but they fall outside our programs.
3. Can I finance the land and the manufactured home together?
Yes. Land and home financing lets you combine the land purchase and the home placement into one plan. If you already own the land, that equity can reduce or eliminate your down payment. If the land carries a loan balance, it can be paid off at closing and rolled into the construction loan.
4. What credit score do I need to qualify?
Conventional and FHA construction programs require a 640 minimum middle FICO score. VA construction also starts at 640. ITIN construction requires 680, and Jumbo construction requires 720. Higher scores expand your program options and improve your terms.
5. What loan programs are available for a Florida Value Homes manufactured home?
One-Time Close, Two-Time Close, and our in-house Hybrid Construction Loan are all available for eligible manufactured builds, across Conventional, FHA, and VA programs. We also offer land and home financing and, for qualifying veterans, up to 100% financing with no mortgage insurance.
6. Does being a registered builder really make my loan close faster?
Yes. Builders usually drag their feet getting approved with a new bank because they do not want to redo financial paperwork, sit through approval calls, or learn another lender's process. Because Florida Value Homes is already registered with us, the only approval left is yours, not theirs plus yours. That alone can take 30 to 60 days off the timeline.
7. I already own my home and have a low mortgage rate. Can I still add a second home or structure?
Yes. Our 2nd Mortgage Construction-to-Permanent loan finances an addition, ADU, second manufactured home on your acreage, or detached structure as a separate fixed-rate second lien at completion, leaving your first mortgage and its rate untouched.
8. How much can I access beyond the build cost?
Qualified borrowers may access up to *$50,000 extra before, at, or after closing, to use for furnishings, outdoor improvements, debt consolidation, or other needs.
9. How long does a manufactured home build take?
Timelines vary by site conditions and permitting, but factory-built manufactured homes are typically completed faster than site-built homes. Florida Value Homes begins installation within two days of delivery and manages all inspections through Certificate of Occupancy.
10. Is BuildBuyRefi a direct lender?
Yes. BuildBuyRefi is a division of The Federal Savings Bank, an FDIC-insured, veteran-owned direct lender operating in all 50 states. We originate, underwrite, fund, and draw-manage every construction loan in-house, with no third-party handoffs.
What Florida Value Homes Buyers Say
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Buyers consistently point to the company's honesty, communication, and ability to deliver on schedule.
One buyer who purchased land with a manufactured home already on it credited Kyle with helping them weigh their options honestly and quickly, and recommended the company to anyone working on anything manufactured-home related.
Another described Kyle and his team as the best contractors they had worked with in years, noting that everything from ordering to delivery to setup stayed on time with steady updates throughout.
A third, who had worked with the team for nearly two years, praised the communication and how well the jobsites were run. Buyers have also highlighted project manager Justin and noted that the process was painless and finished quicker than expected.
Contact Florida Value Homes
Florida Value Homes 4835 W Eau Gallie Blvd Melbourne, FL 32934 Phone: (321) 325-6470 Website: floridavaluehomes.com
For construction financing and loan structure, connect with:
Ilonka Avila Vice President, Construction Division and Top Rated® National Mortgage Banker BuildBuyRefi.com, powered by The Federal Savings Bank, NMLS #411500
Discover how you can build your dream home. Check your eligibility today or schedule an appointment with our team.
Where Florida Value Homes Builds
Florida Value Homes serves buyers across the state of Florida. While BuildBuyRefi finances manufactured, modular, and site-built construction nationwide, Florida Value Homes focuses on delivering strong results in their home market across the Sunshine State.
Why Florida Homeowners Choose Florida Value Homes
Buyers who work with Florida Value Homes tend to want a few specific things: a turnkey dealer who handles permits and inspections so they do not have to, predictable pricing with a clear line-item breakdown, fast and dependable delivery, and a team that communicates throughout. Florida Value Homes answers that with full-service installation, factory-built quality, and an owner who has personally sold hundreds of homes and run installation crews. Paired with up to 100% construction financing from BuildBuyRefi, the path from order to keys is clear and affordable.
View other builders at our Registered Home Builders page. For other manufactured and modular builders, you may also want to explore Next Modular, Lynn Modular Homes, and Zook Cabins.