Call Us : 207-994-5109
Mon – Fri: 8 am to 9 pm & Sat – Sun: 10 am to 8 pm
Call Us : 207-994-5109
Mon – Fri: 8 am to 9 pm & Sat – Sun: 10 am to 8 pm
Whether your houseboat is brand new or has decades of stories under its hull, Float Finance gets you financed. Coast Guard documented vessels of any age qualify—with terms and rates structured around the boat you actually own, not the one a bank wishes you owned.
Not every dream boat is a runabout. Some of the best moments on the water happen aboard a houseboat—weekends with family, summers on the lake, full-time liveaboard adventures. At Float Finance, we make it easy to finance the houseboat you actually want, with rates and terms structured around the vessel itself, no matter how old it is.
Many banks and traditional lenders won’t touch a houseboat—especially anything more than a few years old. But not us. We’ve built a process specifically for houseboat buyers, with no age limit on the vessel as long as it’s Coast Guard documented and in good running order. That means no automatic declines, no narrow underwriting boxes, and no compromises on the boat you actually want to buy.
Houseboats 15 years and newer qualify for our 20-year terms starting at 7.49%. Older houseboats—15 to 50 years old—qualify for 10-year terms starting at 8.99%. All houseboat loans require a marine survey from a NAMS or SAMS certified surveyor, which protects you, the lender, and the deal itself. We’ll walk you through every step from first call to final signature.
207-994-5109
Easily calculate your monthly houseboat loan payments with our user-friendly finance calculator. Simply enter your loan amount, cash down payment, interest rate, and loan term to get an instant estimate of your monthly payments. This tool is designed to help you make informed financial decisions by providing quick and accurate calculations tailored to your specific needs. Perfect for planning your budget and understanding your financing options, our calculator is an essential resource for anyone considering a houseboat loan. Start planning your financial future with Float Finance today.
Our staff will always get it right and get you the rates and terms you’re looking for on any houseboat loan, no matter the age of the vessel.
Fill out an application at the bottom of this page to start the process. Once we have processed your information, we can get you a quote in a 12-24 hour window depending on business hours.
Financing a houseboat can feel complicated—especially with an older vessel—but with Float Finance it’s secure, simple, and fully supported by experts who know houseboats inside and out.
We Finance Vessels Other Lenders Won’t
Most banks have rigid age caps that disqualify older houseboats automatically. We don’t. As long as your houseboat is Coast Guard documented and in good running order, we have a program for it—no maximum age limit on the vessel itself.
Real Houseboat Knowledge, Real Guidance
Survey requirements, Coast Guard documentation, hull inspections, freshwater versus saltwater profiles—we speak the language. When you call Float Finance, you’re talking to someone who understands what makes a houseboat fundable and how to structure the deal around the vessel.
Based in Alton Bay, Lending Nationwide
We’re a New Hampshire marine lender by location, but our houseboat loan program serves buyers in all 50 states. Wherever your houseboat is docked, we can finance it.
207-994-5109
Get started by applying online below. We’ll review your information and follow up with the next steps and the rate structure that fits your purchase. By then, we’ll have the best information possible to help you get the houseboat loan you’re looking for.
Tell us a little bit about yourself and the boat you are looking to finance.
