LICENSED IN VA · MD · DC · CA · FL · TX · WV ·
Manufactured Home Loans
FHA, VA, and USDA Financing for Homes on Permanent Foundations
We verify foundation certification, title type, and HUD data plate before your application starts.
INTRODUCTION
What are the requirements for a manufactured home mortgage?
A manufactured home qualifies for government-backed mortgage financing when: (1) it is on a permanent engineered foundation with an engineer’s certification, (2) it is titled as real property — not personal property or chattel — and recorded with the county as real estate, (3) it has a HUD data plate confirming it was built to HUD Manufactured Home Construction and Safety Standards after June 15, 1976, and (4) it is used as the borrower’s primary residence.
Over 23 million Americans live in manufactured homes — a significant portion of the nation’s affordable housing stock, especially in rural markets across West Virginia, rural Virginia, Florida, and Texas. Many of those homeowners and buyers believe they cannot qualify for a standard mortgage. Many of them are wrong.
Manufactured homes on permanent foundations — with real property titles and HUD data plates confirming post-1976 construction — qualify for FHA Title II loans at 3.5% down, VA loans for eligible veterans at $0 down, and USDA rural development loans at $0 down. The same government programs available for site-built homes are available for qualifying manufactured homes.
The most common manufactured home denial is not about the borrower. It is about the home’s title type or foundation. Access Financial verifies both before your application starts.
23 MILLION AMERICANS IN MANUFACTURED HOMES
Why Manufactured Home Financing Matters More Than Most Lenders Recognize
The Manufactured Housing Institute reports that 23 million Americans live in manufactured homes — representing 6% of the total US housing stock and a much higher percentage in rural markets. In West Virginia, manufactured homes represent over 15% of the housing stock. In rural Virginia and rural Texas, manufactured housing is a primary affordable homeownership option. Yet fewer than 20% of conventional mortgage lenders actively originate manufactured home loans — creating a gap in service that Access Financial specifically addresses in all 7 licensed states.
THE 3 QUESTIONS MANUFACTURED HOME BUYERS ASK MOST
‘Mobile home’ refers to factory-built housing constructed before June 15, 1976 — before HUD construction standards took effect. ‘Manufactured home’ refers to factory-built housing constructed after that date to HUD code. FHA, VA, and USDA programs require 1976 or newer construction confirmed by the HUD data plate. Pre-1976 homes may qualify for some portfolio programs with additional inspections.
The HUD data plate is a compliance certificate affixed inside the manufactured home — typically inside a cabinet, in the kitchen, or in a bedroom closet. It confirms the home’s serial number, manufacturer, date of manufacture, and HUD code compliance. Appraisers look for it during every manufactured home appraisal. If missing or illegible, HUD certification may be obtained through the Institute for Building Technology and Safety (IBTS).
FHA Title II requires the borrower to own or purchase both the home and the land. Homes in parks with leased land do not qualify for FHA Title II. USDA also requires land ownership. FHA Title I personal property loans exist for leased-land situations but carry higher rates and shorter terms than Title II.
23 Million Americans Deserve Access to Real Mortgage Financing for Their Manufactured Homes
Access Financial verifies foundation status, title type, and HUD data plate compliance before your application starts — eliminating the most common manufactured home loan denials before they happen. FHA, VA, and USDA programs available in all 7 licensed states.