What is most often required when buying a manufactured home with an FHA-insured loan?

There are two types of FHA-insured loans available to purchase a manufactured home.
A Title I loan for a manufactured home requires one of the following:

• A certification label attached to the home, or
• A label verification letter. Obtain a label verification letter by visiting the website of the HUD-approved contractor, the Institute for Building Technology and Safety (IBTS), or at (703) 481-2010.

Title II insures mortgages on qualifying manufactured homes sold with land and meeting other requirements including all of the following:

• A certification label or label verification letter.
• The placement of the home on a permanent foundation that complies with the Permanent Foundations Guide for Manufactured Housing (PFGMH).
• A certification from a licensed professional engineer (like our engineers at Foundation Certifications) verifying compliance with the PFGMH.

Note: You may wish to consult with private lending institutions to see if additional financial options are available to you.      ^ top

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