A manufactured home is a factory-built home, constructed to the Federal Manufactured Construction and Safety Standards implemented June 15, 1976. The structure is transportable in one or multiple sections to the permanent site and is permanently affixed to the foundation and taxed as real estate.
Minimum credit score
FHA announced a policy change to address risk and strengthen finances. FHA changed the minimum credit scores for new borrowers:
All manufactured home permanent
foundation systems must follow the FHA guidelines in effect at the time
of the certification. The guidelines include submission of a
certification from a licensed professional engineer, or registered
architect, who is licensed/registered in the state where the
manufactured home is located, attesting to compliance with the current
A copy of the foundation certification, showing
that the foundation meets the guidelines published in the PFGMH that
were in effect at the time of certification, is acceptable for future
FHA loans, provided there are no alterations and/or observable damage to
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FHA manufactured home loan minimum credit score Florida
FHA loan for manufactured homes
To be eligible for an FHA mortgage all manufactured homes must comply with the following:
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