We built a dedicated site for this. Everything you need to know about financing a floating home is at floatinghomeloans.com.
Loan types, lenders, down payments, qualifying requirements, dock-specific nuances — it's all there. Built by Paul & Roman Bergeron, who have financed floating homes in Sausalito for over 40 years.
Go to floatinghomeloans.com →Paul Bergeron NMLS #399152 · On the docks since 1984
Floating home loans are a specialized category — most conventional lenders don't offer them, and the ones that do vary widely by dock and property type. This is not a topic where calling your regular bank is a good starting point.
For everything else — finding the right home, understanding the docks, or working with an agent who has personally bought and sold over 20 floating homes — visit paulbergeronrealestate.com.