September 25, 2020

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FHA Loan Reader Questions: Modular Homes

A reader asks, “Can a modular home on a full foundation be considered for an FHA loan?”

In general the FHA offers two types of home loans for manufactured housing. Here’s a quote from a frequently asked questions list on the FHA official site at

How about manufactured housing and mobile homes?

Yes, FHA has financing for mobile homes and factory-built housing. We have two loan products – one for those who own the land that the home is on and another for mobile homes that are – or will be – located in mobile home parks.”

FHA loan rules do have provisions for modular homes (which are also considered factory-built houses); in some cases they are treated the same as “stick-built housing”. As the reader question implies, one of the most important issues with modular or manufactured homes is the foundation.

Specifically, FHA loan rules state:

All foundation systems, new and existing, must meet the FHA

Joe Wallace - Staff Writer

By Joe Wallace

October 5, 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 for (8) years and is currently the Associate Editor for

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About 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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