At the time of this writing, it’s more difficult to find an FHA home loan for a manufactured home than in years past.
Even so, some borrowers may find lenders willing to consider an FHA loan application for a mobile home or manufactured housing. One reader wrote in recently to ask, “Are the requirements of the Permanent Foundations Guide for Manufactured Housing applicable to both FHA Title 1 and Title 11 loans?”
To answer this question we need to reference the Foundation Compliance section of a document known as the HUD FHA HOC Reference Guide Manufactured Homes. Under Foundation Compliance, FHA and HUD requirements are clearly spelled out.
“All foundation systems, new and existing, must meet the FHA