October 27, 2020

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FHA Loan Foundation Requirements For Manufactured Homes

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

Joe Wallace - Staff Writer

By Joe Wallace

February 23, 2012

Joe Wallace has been specializing in military and personal finance topics since 1995. His work has appeared on Air Force Television News, The Pentagon Channel, ABC and a variety of print and online publications. He is a 13-year Air Force veteran and a member of the Air Force Public Affairs Alumni Association. He was Managing editor for www.valoans.com for (8) years and is currently the Associate Editor for FHANewsblog.com.

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FHANewsBlog.com was launched in 2010 by seasoned mortgage professionals wanting to educate homebuyers about the guidelines for FHA insured mortgage loans. Popular FHA topics include credit requirements, FHA loan limits, mortgage insurance premiums, closing costs and many more. The authors have written thousands of blogs specific to FHA mortgages and the site has substantially increased readership over the years and has become known for its “FHA News and Views”.

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