On Q continues to grow its niche product line, and I am happy to say we have recently expanded our line to include an FHA loan for manufactured homes! While not sacrificing style, space, or amenities this can be a great option that is reasonably-priced. And the initial setup is actually easier than you would think.

17 million Americans live in manufactured housing, so the question is: What IS a manufactured home?

These homes have at least 400 square feet of living area and are designed for occupancy as a principal residence.   It is assembled in “units” at a factory, brought to the site, and then built on a steel chassis on a permanent foundation that remains part of the home for the duration of its life. The following are product requirements:

  • 640 minimum credit scoreHappy Family In New Home
  • Doublewide only
  • Home must have been built after June 15th, 1976
  • Existing and new construction eligible
  • Home may not be in a flood zone
  • Must be taxed as real property
  • HUD tags required
  • Available on purchase, rate/term, refinance, cash-out refinance, and streamline refinance for 203B transactions
  • Engineer certification of foundation requirement
  • Termite inspection required

The view of homeownership is always expanding.  Manufactured housing is of comparable quality to site-built housing and has dramatically improved since the implementation of the 1976 HUD Code.  And just like owning any other home, manufactured housing can be an asset-builder for homeowners.

Find out today if this is the opportunity you have been waiting for to make your dream of homeownership a reality!


 This program is only available to eligible properties, restrictions apply.  Home must be installed on home-site that meets local standards for site suitability and has adequate water supply and sewage disposal facilities.  Loan approval is subject to applicant’s qualification for a loan program. Underwriting terms and conditions would apply. 068i0000001K05d