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FHA Loans for Manufactured Homes

Mortgage Library: Ask a Mortgage Related Question: Answers: FHA Loans for Manufactured Homes


Does existing mobile home on property qualify for a FHA Loan? The age of the mobile home is 7 years in excellent condition. 

D. M.
Saint Francisville


Yes. FHA allows financing for manufactured homes.

However, lender's offering FHA financing are not required to extend FHA loans to Manufactured homes. So some lenders choose not to offer financing for them through FHA.

The common requirements are:

  • Double-Wide Only
  • Home must be on a permanent foundation with axle, tongue, and groove removed
  • The wheels, tongue, and axle must be removed
  • Usually a Foundation Inspection is required

There may be additional additions to the interest rate or reductions in the loan to value ratio due to this type of home.

Greg Phillips
Assistant Manager 
Fairfield Mortgage Company 
FMC Office: (740) 773-5627
FMC Fax: (740) 775-1473
Mobile: (740) 571-2015

Business With Greg, LLC
Home Office Toll Free: 1-866-297-9586
Home Office (330) 334-5588
Home Fax: (330) 259-1208


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