Get approved for an FHA loan with low down payments, flexible credit options, and personalized guidance—whether you're buying a mobile, modular, or manufactured home.
Verify Your FHA Manufactured Home Loan Eligibility
An FHA manufactured home loan is a government-backed mortgage designed for buyers purchasing manufactured, modular, or mobile homes.
These loans are insured by the Federal Housing Administration (FHA) and offer more flexible credit, income, and down payment requirements compared to conventional loans.
To qualify, applicants typically need:
A minimum credit score of 580 (or 500 with a higher down payment).
A debt-to-income ratio under 43%.
Stable income and employment history.
A valid Social Security number and lawful U.S. residency.
The home must also be the borrower's primary residence and meet HUD safety standards.
Manufactured homes: Built in a factory and transported in one or more sections.
Modular homes: Built off-site in sections but placed on a permanent foundation.
Mobile homes: Must have been built after June 15, 1976, and display a HUD certification label.
The home must be placed on a permanent foundation and cannot be located in a mobile home park unless the land is also being financed.
There are two main FHA loan programs for manufactured homes:
For purchasing a home, a lot, or both.
Available even if the borrower does not own the land.
Loan limits - up to $69,678 for the home alone, or $92,904 for both home and lot.
Requires the home to be on a permanent foundation.
The borrower must own or plan to buy the land.
Works like a traditional mortgage with better terms than private mobile home loans.
Minimum down payment: 3.5% (for credit scores ≥580).
Loan terms: Up to 20 years for single-wide homes, 25 years for multi-section homes and lots.
Interest rates: Typically lower than personal loans for mobile homes due to government insurance.
Must meet HUD Code (established in 1976) for construction and safety.
Must have a HUD Data Plate and Certification Label.
Home must be attached to a permanent foundation and considered “real property”.
Installation must comply with local and state codes.
First-time homebuyers seeking affordable housing.
Retirees downsizing into a smaller space.
Buyers in rural areas where manufactured housing is more common.
Those looking to place a new home on privately owned land.
Check Eligibility – Review your credit, income, and debt levels.
Get Pre-Approved – Connect with an FHA-approved lender to understand your options.
Choose Your Home – Work with a licensed retailer or builder that offers HUD-compliant homes.
Submit an Application – Complete the FHA loan application and submit documentation.
Close and Move In – Once approved, close on your loan and finalize installation.
Lower credit and income thresholds.
Smaller down payments.
Government-backed security for lenders.
Competitive rates vs. personal property loans.
Yes, FHA loans allow credit scores as low as 500, though a 10% down payment is required. For scores of 580 or higher, you may qualify with just 3.5% down.
Not necessarily. FHA Title I loans allow you to buy a manufactured home without owning the land, as long as you have a long-term lease (usually at least 3 years).
Title I loans can be used for homes on leased land and don't require a permanent foundation. Title II loans require the home to be permanently affixed and the borrower to own the land.
Yes, but the home must have been built on or after June 15, 1976, and still have its HUD certification labels attached.
Yes. For FHA Title I loans, the limit is $69,678 for the home alone or $92,904 for home and lot combined. Title II limits vary by county.
Yes, you can refinance an existing FHA loan using a streamline refinance or pursue a cash-out refinance if you meet the qualifications.
For Title II loans, the home must be placed on a permanent foundation that meets FHA and HUD standards. Title I loans are more flexible.
Up to 20 years for a single-section home, 15 years for a lot loan, and up to 25 years for a home and lot combination.
With years of experience helping homebuyers navigate the unique world of manufactured and modular home financing, our team is committed to simplifying the process and delivering real results.
We specialize in FHA-backed loans and understand the guidelines inside and out—so you don’t have to. You can count on:
Expert guidance from FHA-approved professionals.
Honest answers to your questions—no jargon, no pressure.
Fast, simple pre-approvals tailored to your needs.
A transparent loan process from start to finish.
Take the first step toward owning a home you love—affordably and confidently.
