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You can get FHA-insured financing for either mobile homes or factory built houses. The loans for mobile homes located in mobile home parks are separate from the FHA loans for people who own the land where the mobile home would be located.

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April 24, 2018
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FHA Loans for Manufactured Homes?

FHA Common Question #28

The good news is, according to current FHA loan guidelines, you can get FHA-insured financing for either mobile homes or factory built houses. The loans for mobile homes located in mobile home parks are separate from the FHA loans for people who own the land where the mobile home would be located.

Many people don't realize that FHA loan guidelines do permit a retailer to make modifications to a manufactured or mobile home, but such alterations must comply with HUD code. According to FHA loan guidelines, the definition of "alteration" is the replacement, modification, addition or removal of any equipment or installation before the sale to the homebuyer. Your FHA loan officer has more information on FHA loan guidelines for buying mobile homes, but be sure to read The Manufactured Home Consumer Guide for up-to-date information on issues, which pertain to your FHA loan.

While the FHA has these programs, most FHA lenders either choose not to participate in them or have additional qualifying overlays which are more stringent than the FHA. It is not mandatory for an FHA lender to offer certain products and you should contact each lender to see if they offer the product you need.

NEXT:  What About Refinancing an FHA Loan?

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FHA Loan Articles and Mortgage News

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Is the FHA One-Time Close Construction Loan Right for You?

April 14, 2018 - FHA One-Time Close construction loans are designed for those who want to have a home built for them from the ground up. Construction loan mortgages, especially FHA One-Time Close loans, are unique among mortgage lending products and have some distinct advantages.

What Size Home Can I Buy With My FHA Mortgage?

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FHA.com Reviews

FHA.com is a one-stop resource for homebuyers who want to make the best decisions when it comes to their mortgage. With our detailed, mobile-friendly site, individuals can access information about different FHA products, the latest loan limits, and numerous other resources to make their homebuying experience easier. Take a look at some of the reviews from other FHA.com visitors!