If you’re buying or refinancing a mobile or modular home in Florida, understanding the manufactured home mortgage guidelines 2025 is essential. From FHA to VA and USDA to Fannie Mae and Freddie Mac, each agency has its own eligibility rules—and not all manufactured homes qualify. At North Star Mortgage Network, we’re here to make sure you understand your options clearly and get matched with the right loan.

Manufactured Home Mortgage Guidelines 2025: Program by Program

Freddie Mac & Fannie Mae

These two agencies offer competitive options for primary and second homes, but typically only for multi-width units. Here’s a snapshot:

  • Freddie Mac:
    • Up to 95% LTV for purchase or rate/term refi
    • Allows single-wide homes (primary residence only) with restrictions
    • Cash-out refinance limited to 65% LTV, with a 20-year term
  • Fannie Mae:
    • Up to 97% LTV under MH Advantage
    • Single-wides not allowed under MH Advantage
    • Standard program allows single-wides with limitations
    • Cash-out refi also capped at 65% LTV

Both require a minimum 620 credit score.

FHA Loans for Manufactured Homes

FHA loans remain one of the most flexible solutions:

  • Purchase: Up to 96.5% LTV
  • Refinance: Up to 97.75% LTV for rate/term
  • Cash-out refinance: Max 80% LTV
  • Minimum FICO: 580
  • Minimum home size: 400 sq. ft.

Great for first-time homebuyers who want a low down payment and competitive rates.

VA Loans for Manufactured Homes

Eligible veterans can benefit from zero down payment financing with:

  • Purchase and cash-out refinance: Up to 100% LTV
  • IRRRL (Streamline refinance): Per VA worksheet
  • FICO: 580–620 depending on transaction
  • Property requirements:
    • 400 sq. ft. minimum for single-wide
    • 700 sq. ft. minimum for double-wide

VA loans are for primary residences only.

USDA Loans

Perfect for buyers in eligible rural areas:

  • Up to 100% financing
  • Primary residence only
  • Minimum 620 FICO
  • Must meet HUD standards with at least 400 sq. ft.

Both single-wide and multi-width homes are permitted, provided they meet all USDA requirements.

Single-Wide vs. Multi-Width Requirements

Manufactured homes must follow strict HUD and agency-specific criteria:

  • Freddie Mac & Fannie Mae: Allow single-wides only for primary residences, manufactured after June 15, 1976, at least 12 ft wide, with 400–600 sq. ft. depending on the program
  • FHA: Allows single or multi-width homes if they meet HUD Title II standards and are at least 400 sq. ft.
  • VA: Requires 400 sq. ft. minimum for single-wide, 700 sq. ft. for double-wide
  • USDA: Allows both unit types as long as home is affixed to a permanent foundation and HUD-compliant

Ready to Get Started?

At North Star Mortgage Network, we guide buyers across Florida through every step of the mortgage process. Manufactured homes are a great path to homeownership—if the property qualifies and you’re working with someone who knows the rules.

Let us help you navigate the manufactured home mortgage guidelines 2025 and get your deal closed without delays.

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