{"id":3207,"date":"2016-03-08T23:21:01","date_gmt":"2016-03-08T23:21:01","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=3207"},"modified":"2020-07-17T16:03:25","modified_gmt":"2020-07-17T16:03:25","slug":"doublewide-manufactured-homes","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/doublewide-manufactured-homes\/","title":{"rendered":"Low Down Payment FHA Loans for Doublewide Manufactured Homes"},"content":{"rendered":"

FHA\u00a0is a great way to finance manufactured homes<\/h1>\n

Manufactured homes can offer low to moderate income families\u00a0in NC,\u00a0SC,\u00a0and Virginia affordable housing.\u00a0 But,\u00a0manufactured home lending\u00a0is going to be more strict than most other property types.\u00a0\u00a0Higher foreclosure rates is the primary reason.\u00a0 Additionally, there is a greater chance of\u00a0depreciation in appraised value\u00a0compared to stick built homes.\u00a0 Because of these reasons, many lenders have exited the manufactured home lending business.\u00a0 Team Move still offers VA home loans<\/strong><\/span><\/a> and FHA mortgages<\/strong> <\/span><\/a>to finance the purchase or refinance of a doublewide, manufactured home.\u00a0 Both the borrowers and the property must meet the following manufactured home guidelines plus other applicable areas.\u00a0 Our Manufactured Home FHA Mortgage<\/strong><\/span><\/a> offers\u00a030 year fixed rate terms.\u00a0 Additionally,\u00a0FHA financing is only for a primary residence.<\/p>\n

Our FHA Doublewide Manufactured Home Guidelines:<\/h2>\n
    \n
  1. Doublewides only & manufactured after June 15, 1976\"FHA<\/li>\n
  2. Must have an acceptable foundation<\/strong><\/span><\/a> per a structural engineer inspection<\/li>\n
  3. Rural manufactured homes have additional requirements.\u00a0\u00a0These include a home inspection plus built in 1990 or after<\/li>\n
  4. 660 Minimum credit score (case by case exceptions)<\/li>\n
  5. Purchases\u00a0allowing as low as 3.5%\u00a0down payment<\/li>\n
  6. Minimum loan amount is $75,000 (case by case exceptions)<\/li>\n
  7. Now allowed:\u00a0 Escrow Holdback for repairs, non-occupying co-borrowers, refinancing<\/li>\n<\/ol>\n

    Guidelines are subject to change.<\/p>\n

    If you are looking to purchase a manufactured home, make sure to check key areas of the home.\u00a0 In the first place,\u00a0find the HUD tags located at the end of the home.\u00a0 Appraisers, attorneys, and lenders need the HUD numbers to clearly identify the home.\u00a0 Additionally, ensure the wheels, tongue, and axles are removed from the home.\u00a0 Then, we require that the perimeter foundation is block or brick skirting.<\/p>\n","protected":false},"excerpt":{"rendered":"

    FHA\u00a0is a great way to finance manufactured homes Manufactured homes can offer low to moderate income families\u00a0in NC,\u00a0SC,\u00a0and Virginia affordable housing.\u00a0 But,\u00a0manufactured home lending\u00a0is going to be more strict than most other property types.\u00a0\u00a0Higher foreclosure rates is the primary reason.\u00a0 Additionally, there is a greater chance of\u00a0depreciation in appraised value\u00a0compared to stick built homes.\u00a0 Because […]<\/p>\n","protected":false},"author":2,"featured_media":1291,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,33,17,40],"tags":[668,669,670],"class_list":["post-3207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-frequently-asked-questions","category-products","category-tips","tag-fha-financing-for-manufactured-home-purchase","tag-fha-manufactured-home-guidelines","tag-low-down-payment-doublewide-purchase"],"acf":[],"yoast_head":"\nManufactured Homes - 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