​A single family home is classified as an individual, unattached dwelling structure. For the purposes of an FHA loan, it is an owner occupied home, which means that the borrower must intend to use the home as their primary residence.

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September 19, 2017
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Single Family Home

Related Terms: Single Detached Dwelling, Detached Residence, Free-standing Residential Dwelling
​A single family home is classified as an individual, unattached dwelling structure. For the purposes of an FHA loan, it is an owner occupied home, which means that the borrower must intend to use the home as their primary residence.
Single Family Home
FHA mortgages are designed to help homebuyers buy or refinance their own home, not to assist in a borrower’s investment purposes, which is why the distinction exists. Having a clear criteria for single family homes helps make sure that borrowers are not using FHA loans to finance rental properties, vacation homes, guest houses, etc. When you apply for a loan, you’ll see that there is a requirement for at least one of the borrowers to occupy the property at the time of closing.

Single family homes can include different property types: detached or semi-detached dwellings, manufactured housing, townhomes or row houses, individual units within FHA-approved condominium projects, and Public Urban Developments (PUDs).