Down payments as low as 10%.
Whether you plan to put down stakes or prefer the freedom to roam, we’ll help you feel right at home. Apply for an Atlantic Mobile Home Loan today.
- Great rates for mobile homes
- Available for on land or in park
- Quick, local decision-making
- Custom terms that fit your budget
Forget financial stress. We love to say, “Yes!”
We’re here to help you do better. That’s why our lenders tailor terms to match your lifestyle. And because we’re local, you’ll receive a decision really fast.

A smarter kind
of screen time.
- Turn your debit card on or off.
- Track your transaction history.
- Make loan payments in seconds.
- See up-to-date account balances.
- Transfer funds between accounts.
Got a question?
Find answers to frequently asked questions about mobile home loans.
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What kind of mobile home can I buy?
You can purchase a mobile home on land or a mobile home in a park. Atlantic finances both types of mobile homes.
Do you offer mobile home refinancing?
Yes, we do!
Are there age restrictions on mobile homes?
Other than Pre-HUD, there are no age restrictions on your mobile home.
What’s Atlantic’s NMLS number?
Atlantic’s NMLO/NMLS Institution Identifier is 402778.
How do I apply for a mobile home loan?
You can apply for an Atlantic Mobile Home Loan online! We may request to see your photo ID, proof of income, credit report, and tax returns. Additional documents may be required.
If you’d like to apply in person, you can visit your local Atlantic branch. We have 10 branch locations throughout Maine.
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Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Better than a Lease
Term | APR* | Payment per $1,000** |
---|---|---|
36 Months | As low as 6.74% | $30.85 |
48 Months | As low as 6.99% | $24.02 |
60 Months | As low as 7.24% | $19.98 |
72 Months | As low as 7.74% | $17.47 |
Credit Builder
Term | APR* | Payment per $1,000** |
---|---|---|
12 Months | As low as 10.00% | $88.28 |
*As low as rate includes maximum term of 12 months. Loan is subject to approval. Payment per $1,000 borrowed for 12 months at 10.00% APR equals $88.28. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Deposit Accounts
Account Type | Minimum Required Opening Deposit | Dividend Rate | APY |
---|---|---|---|
Member Savings | $25 | 0.05% | 0.05% |
Clubs | No Min. Balance | 0.05% | 0.05% |
Business Savings | $25 | 0.05% | 0.05% |
Equipment Loan
Term | APR* | Payment per $1,000** |
---|---|---|
36 Months | As low as 7.74% | $31.32 |
48 Months | As low as 7.99% | $24.49 |
60 Months | As low as 8.24% | $20.47 |
72 Months | As low as 8.74% | $17.97 |
84 Months | As low as 9.49% | $16.41 |
**As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The equipment must be a 2021 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 7.74% APR, equals $31.32. Rates subject to change without notice. Membership or eligibility to join Atlantic is required.
Health Savings Account (HSA)
Balance | Dividend Rate | APY |
---|---|---|
$0 - $999 | 0.05% | 0.05% |
$1,000 - $4,999 | 0.25% | 0.25% |
$5,000+ | 0.30% | 0.30% |
Home Improvement
Term | APR* | Payment per $1,000** |
---|---|---|
36 Months | As low as 9.75% | $32.29 |
48 Months | As low as 11.75% | $26.34 |
60 Months | As low as 12.75% | $22.75 |
*As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. Verification of home ownership required. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 9.75% APR equals $32.29. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Individual Retirement Accounts (IRAs)
Balance | Dividend Rate | APY |
---|---|---|
$0 - $4,999 | 0.05% | 0.05% |
$5,000 - $9,999 | 0.25% | 0.25% |
$10,000 - $49,999 | 0.30% | 0.30% |
$50,000 - $99,999 | 0.40% | 0.40% |
$100,000+ | 0.50% | 0.50% |
Kasasa Cash*
Standard Rewards Balance | Minimum Required Opening Deposit | Rate | APY |
---|---|---|---|
$0 - $15,000 | $0 | 2.96% | 3.00% |
$15,000+ | $0 | 0.25% | 3.00% to 0.61% |
All balances if qualifications not met | $0 | 0.05% | 0.05% |
Premier Rewards Balance | Minimum Required Opening Deposit | Rate | APY |
---|---|---|---|
$0 - $15,000 | $0 | 4.89% | 5.00% |
$15,000+ | $0 | 0.25% | 5.00% to 0.87% |
All balances if qualifications not met | $0 | 0.05% | 0.05% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- At least 12 debit card purchases to earn the standard 3% APY rate, OR at least 30 debit card purchases to earn the premium 5% APY rate
- At least 1 ACH direct deposit, ACH automatic withdrawal, or Bill Pay payment
- Be enrolled in and agree to receive eStatements
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month. No minimum balance requirement
Kasasa Saver*
Balance | Rate | APY |
---|---|---|
$0 - $1,000,000 | 3.93% | 4.00% |
$1,000,000 + | 0.25% | 4.00% to 3.66% |
All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa Account
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify. No minimum balance requirements.
Large Recreational Vehicles (Boats, Campers, Motor Homes)
Term | APR* | Payment per $1,000** |
---|---|---|
120 Months | As low as 8.24%** | $12.31 |
180 Months | As low as 8.49%** | $9.88 |
240 Months | As low as 8.74%** | $8.87 |
*Large Recreational as low as rate includes direct deposit discount of 0.25%, AND 0.50% discount for down payment of 20% of the purchase price or book value, whichever is lower. 100% financing is available at other rates and terms. The vehicle must be a 2021 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 120 months at 8.24% APR equals $12.31. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Money Market
Balance | Dividend Rate | APY |
---|---|---|
$1,000 - $4,999 (Savings) | 0.50% | 0.50% |
$2,500 - $4,999 (Checking) | 0.50% | 0.50% |
$5,000 - $9,999 | 0.99% | 1.00% |
$10,000 - $49,999 | 1.49% | 1.50% |
$50,000 - $99,999 | 1.98% | 2.00% |
$100,000 - $249,999 | 2.47% | 2.50% |
$250,000 - $499,999 | 3.93% | 4.00% |
$500,000 - $749,999 | 3.93% | 4.00% |
$750,000 - $999,999 | 3.93% | 4.00% |
$1,000,000 + | 3.93% | 4.00% |
New/Used Automobiles & Harley Motorcycle Rates
Term | APR* | Payment per $1,000** |
---|---|---|
36 Months | As low as 5.24% | $30.15 |
48 Months | As low as 5.49% | $23.31 |
60 Months | As low as 5.74% | $19.27 |
72 Months | As low as 6.24% | $16.74 |
84 Months | As low as 6.99% | $15.14 |
*As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The vehicle must be a 2021 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 5.24% APR equals $30.15. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Personal Line of Credit
APR* | Payment per $1,000** |
---|---|
As low as 13.75% | $50 or 3.5% of outstanding balance |
*As low as rate includes direct deposit discount of 0.25%. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment of $50 or 3.5% of the outstanding balance. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Personal Loan
Term | APR* | Payment per $1,000** |
---|---|---|
12 Months | As low as 10.75% | $88.65 |
36 Months | As low as 12.75% | $33.75 |
60 Months | As low as 13.75% | $23.27 |
Premium Business Checking
Balance | Dividend Rate | APY |
---|---|---|
Up to $24,999.99 | 0.10% | 0.10% |
$25,000 - $49,999.99 | 0.20% | 0.20% |
$50,000 - $99,999.99 | 0.30% | 0.30% |
$100,000 and over | 0.50% | 0.50% |
Recreational Vehicles & Street Motorcycles
Term | APR* | Payment per $1,000** |
---|---|---|
36 Months | As low as 6.24% | $30.61 |
48 Months | As low as 6.49% | $23.67 |
60 Months | As low as 6.74% | $19.74 |
72 Months | As low as 7.24% | $17.22 |
84 Months | As low as 7.99% | $15.64 |
*As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The recreational vehicle must be a 2021 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 6.24% APR, equals $30.61. Rates subject to change without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Share Certificates
Type | Minimum Required Opening Deposit | Dividend Rate | APY |
---|---|---|---|
3 Mo. Share Certificate | $100 | 1.98% | 2.00% |
6 Mo. Share or IRA Certificate | $500 | 3.93% | 4.00% |
1 Year Share or IRA Certificate | $500 | 4.27% | 4.35% |
18 Mo. Rippling Waves Share or IRA Certificate - allows add'l ($500 minimum) deposits | $500 | 2.96% | 3.00% |
2 Yrs. Share or IRA Certificate | $500 | 3.15% | 3.20% |
30 Mo. Share or IRA Certificate | $500 | 3.15% | 3.20% |
3 Yrs. Share or IRA Certificate | $500 | 3.25% | 3.30% |
4 Yrs. Share or IRA Certificate | $500 | 3.35% | 3.40% |
5 Yrs. Step-Up Share or IRA Certificate - allows 1-time rate increase | $500 | 3.45% | 3.50% |
Use our Share Certificate Calculator to determine your potential earnings.
Share Secured
Term | APR* | Payment per $1,000** |
---|---|---|
36 Months | As low as 3.05% | $29.15 |
48 Months | As low as 3.05% | $22.18 |
60 Months | As low as 3.05% | $18.02 |
*As low as rate includes maximum term of 36 months. Rate calculated at 3% above the rate of return on securing funds. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 3.05% APR equals $29.15. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Visa Credit Cards
Card | Introductory Rate | APR* |
---|---|---|
Visa Platinum | 2.49% APR* for 12 Billing Cycles | Non-Variable As low as 11.49% |
Visa Signature® | 2.49% APR* for 12 Billing Cycles | Variable As low as 15.50% |
Visa Secured | None | Non-Variable As low as 17.99% |