Can You Buy A Manufactured Home With A Fha Loan File

Yes, you can buy a manufactured home with an FHA loan as long as both the borrower and the property meet specific federal guidelines . The Federal Housing Administration (FHA) offers two primary programs for these homes: for land-home combinations and Title I for the home only (even on leased land). Core Property Eligibility Requirements

: The home must have been built on or after June 15, 1976. Homes built before this date are classified as "mobile homes" and are ineligible for FHA insurance.

: You must intend to live in the home as your primary residence; investment properties do not qualify. Financing Manufactured Homes (Title I) - HUD

To qualify for FHA financing, the manufactured home must adhere to strict standards regarding its age and construction: