Property types · Florida

Manufactured home loan officers in Florida

As of 2026-10-09, LenDb lists 17 loan officers licensed in or based in Florida whose lender pages show Manufactured home work. The top-ranked are Andrew Lioi (Cardinal Financial Company, Sykesville), Christopher Gibson (C2 Financial Corporation) and Roy Montero (CrossCountry Mortgage, Honolulu). Ranking is lender-neutral: specialty evidence first, then a license in FL, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 17

  1. 1

    Andrew LioiNMLS 185715

    Cardinal Financial Company · Sykesville, MD

    • Manufactured home
    • Down payment assistance
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO17417), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2012 (per Florida records)
    • States 35 years of experience (lender page, 2026-10-09)
  2. 2

    Christopher GibsonNMLS 1910430

    C2 Financial Corporation · Mortgage broker · licensed in 3 states

    • Manufactured home
    • 1099 income
    • Bank statement loan
    • DSCR loan
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO128360), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Colorado records)
    • States 15 years of experience (lender page, 2026-10-09)
  3. 3

    Roy MonteroNMLS 351403

    CrossCountry Mortgage · Honolulu, HI · licensed in 11 states

    • Manufactured home
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO38484), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2015 (per Colorado records)
  4. 4

    Chris DraneNMLS 19621

    Guild Mortgage · Clarksville, IN · licensed in 5 states

    • Manufactured home
    • First-time buyer
    • Non-QM loan
    • VA loan
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO112605), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  5. 5

    Marleen PaquetteNMLS 205609

    Guild Mortgage · Manchester, NH · licensed in 4 states

    • Manufactured home
    • First-time buyer
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO123134), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  6. 6

    Tina-Marie StahlNMLS 525364

    Guild Mortgage · West Lafayette, IN · licensed in 3 states

    • Manufactured home
    • VA loan
    • Down payment assistance
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO130715), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Florida records)
    • States 40 years of experience (lender page, 2026-10-09)
  7. 7

    Denise Cuddeback MontgomeryNMLS 57734

    American Pacific Mortgage · Eugene, OR · licensed in 11 states

    • Manufactured home
    • Bank statement loan
    • Down payment assistance
    • DSCR loan
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO120938), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 30 years of experience (lender page, 2026-10-09)
  8. 8

    Kellie BuchananNMLS 744052

    Highlands Residential Mortgage · Angel Fire, NM · licensed in 6 states

    • Manufactured home
    • Down payment assistance
    • Condo
    • Vacation home
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO66091), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Colorado records)
    • States 34 years of experience (lender page, 2026-10-09)
  9. 9

    Joshua ChampneysNMLS 1156263

    Empire Home Loans · Mortgage broker

    • Manufactured home
    • Real estate investor
    • Construction loan
    • FHA loan
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO51597), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2018 (per Florida records)
    • States 18 years of experience (lender page, 2026-10-09)
  10. 10

    Kathy HallmonNMLS 754318

    Guild Mortgage · Panama City, FL

    • Manufactured home
    • Down payment assistance
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO37870), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Office in Panama City, FL
    • Licensed since 2016 (per Florida records)
  11. 11

    Christopher HardyNMLS 1074707

    Loan Factory · Mortgage broker · licensed in 3 states

    • Manufactured home
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO138593), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
  12. 12

    Clint MinyardNMLS 1149779

    Cardinal Financial Company · Dallas, TX

    • Manufactured home
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO116817), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
  13. 13

    Siri CalameseNMLS 2075460

    Guild Mortgage · Tampa, FL · licensed in 8 states

    • Manufactured home
    • USDA loan
    • Down payment assistance
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO86434), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Office in Tampa, FL
    • Licensed since 2021 (per Florida records)
  14. 14

    Peter KnapNMLS 214269

    Guild Mortgage · Marietta, GA · licensed in 4 states

    • Manufactured home
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO63844), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Florida records)
  15. 15

    Robert CarterNMLS 898005

    Highlands Residential Mortgage · Knoxville, TN · licensed in 8 states

    • Manufactured home
    • Condo
    • Construction loan
    • Vacation home
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO95132), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)
  16. 16

    Darrel LongNMLS 953286

    Guild Mortgage · Columbia, SC · licensed in 4 states

    • Manufactured home
    • Reverse mortgage
    • VA loan
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO146406), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Florida records)
  17. 17

    Caitlyn Suzanne McPeakeNMLS 1447832

    Guild Mortgage · Henderson, NV · licensed in 7 states

    • Manufactured home
    • Condo
    • FHA loan
    • VA loan
    • ✓Licensed in FL: confirmed with the Florida regulator (license LO151008), verified 2026-10-09
    • Lists Manufactured home on lender page (lender page, verified 2026-10-09)
    • Licensed since 2026 (per Florida records)

Before you choose

Foundation certifications, land ownership and title status determine eligibility, and many lenders do not offer these loans at all.

  • Do you finance manufactured homes as real property, chattel, or both?
  • What foundation certification and age requirements apply?
  • Can the land and home be financed together?

More about Manufactured home

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a FL license is confirmed with the state regulator (check mark), FL is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=manufactured&state=FL. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.