If you’re planning to finance a manufactured home this year, understanding the Manufactured Home Mortgage Guidelines 2025 is essential. Each loan program—FHA, VA, USDA, Fannie Mae, and Freddie Mac—has unique requirements that can affect your approval, appraisal, and closing timeline. At North Star Mortgage Network, we specialize in guiding Florida buyers through these rules so you can purchase your home with confidence.

Watch: Manufactured Home Mortgage Guidelines 2025 Explained

General Requirements for Manufactured Home Loans

Across most agency-backed programs, these are the minimum requirements:

  • Must be titled as real estate and legally classified as a single-family dwelling
  • Eligible only for owner-occupied or second homes (not investment properties)
  • Minimum square footage requirements must be met
  • Home must be built on or after June 15, 1976
  • Permanent chassis, utilities, and pitched roof are required
  • Title must be surrendered; taxes assessed as real estate
  • Property must sit on a permanent foundation
  • Appraisal with HUD tags or data certification is required
  • Structural modifications must be professionally approved

Manufactured Home Mortgage Guidelines 2025 by Loan Type

Fannie Mae Guidelines

  • Accepts single-width, multi-width, and MH Advantage units
  • Second homes permitted if multi-width
  • Appraisal must include HUD tags or certification documents
  • Modifications require licensed review
  • Land trusts allowed only for MH Advantage homes

Freddie Mac Guidelines

  • No community land trusts allowed
  • Must be permanently affixed and HUD-compliant
  • Pre-2008 installations require foundation verification
  • No temporary buydowns permitted
  • Structural changes must have engineering or state approval

FHA Guidelines

  • Refinances require permanent installation for at least 12 months
  • Foundation engineer certification required
  • Missing HUD tags verified through IBTS
  • Skirting must meet permanent material standards
  • Appraiser must note any additions or solar installs

VA Guidelines

  • May accept homes relocated after initial placement
  • Appraisal must include HUD tags or a data plate
  • Structural certification required only if appraiser requests

USDA Guidelines

  • Existing homes must be less than 20 years old
  • Must meet USDA and HUD foundation standards
  • Title surrender required

Documentation Needed for Approval

To move forward with underwriting, borrowers should prepare:

  • Signed 1003 loan application
  • Borrower Authorization form
  • ALTA Form 7 title endorsement
  • Proof of title surrender
  • HUD tag/data certification photos
  • Appraisal (Form 1004C or 70B unless streamline)
  • Closing Protection Letter
  • Statement verifying real property status
  • Structural Certification if required
  • Community land trust documents if applicable

Tip: Begin the title surrender process early—without it, the loan cannot close.

Why Florida Buyers Choose North Star Mortgage Network

Navigating the Manufactured Home Mortgage Guidelines 2025 can feel overwhelming, but our team at North Star Mortgage Network makes it manageable. We work with all major loan types, including FHA, VA, USDA, Fannie Mae, and Freddie Mac, ensuring your transaction is smooth, compliant, and on schedule.

Local Advantage: With over 25 years serving Jacksonville, St. Johns County, and communities across Florida, we know how to streamline manufactured home financing.

Next Step: Whether you’re buying your first manufactured home or refinancing, let’s start with a quick pre-approval today. Call 904-613-7700 or apply online.

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