FHA manufactured home refinance Florida

FHA manufactured home refinance Florida


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.

To be eligible for an FHA mortgage all manufactured homes must comply with the following:

  1. have a floor area of not less than 400 square feet
  2. be constructed after June 15, 1976, in conformance with the Federal Manufactured Home Construction and Safety Standards, as evidenced by an affixed certification label in accordance with 24 CFR 3280.11(manufactured homes produced prior to that date are ineligible for insured financing)
  3. be classified as real estate (but need not be treated as real estate for purposes of state taxation)
  4. the mortgage must cover both the manufactured unit and its site and shall have a term of not more than 30 years from the date amortization begins
  5. built and remains on a permanent chassis
  6. designed to be used as a dwelling with a permanent foundation built to FHA criteria
  7. the finished grade elevation beneath the manufactured home or, if a basement is used, the grade beneath the basement floor shall be at or above the 100-year return frequency flood elevation

Cash Out and Debt Consolidation

The FHA cash out loan program allows for a mortgage refinance of an owner occupied property. The maximum cash out refinance loan cannot exceed 85% of the appraised value of the manufactured home. The minimum credit score is 580 for 85% Loan-to-Value.

Home owner's with credit score below 580 the maximum cash out refinance loan cannot exceed 75% of the appraised value of the manufactured home. Minimum credit score is 500.

Apply Now!

Call us 888.958.5382

FHA purchase FHA refinance FHA 203k loan FHA cash out $100 down loan

FHA loan requirements - ‎FHA loan limits - ‎FHA loans - ‎FHA Streamline


We look forward to working with you.


We recognize the importance to you of keeping your information secure and confidential. We will not sell or share your personal information.

How to Qualify for FHA Down Payment Assistance?

Apply Now

Call us 800-516-9166


www.MORTGAGE-WORLD.com LLC is an online mortgage company specializing in FHA loans for first time home buyers.


We look forward to working with you.

KEYWORDS: FHA manufactured home refinance Florida,

Image 12

Apply Now!

Call 800.516.9166

Email Us!


Recent Articles

  1. FHA Down Payment Assistance 2023

    Jun 09, 23 12:47 PM

    FHA DOWN PAYMENT ASSISTANCE
    Navigate the path to homeownership with confidence. Discover the FHA down payment assistance program and grants available for first-time home buyers.

    Read More

  2. Credit Score Requirements for FHA 2023

    Jun 06, 23 09:18 AM

    FHA-LOAN-3
    Credit Score Requirements for FHA 2023. For individuals applying for an FHA loan, it's important to note that there is a minimum FICO score requirement of 500.

    Read More

  3. Best Mortgage Rates in New Jersey.

    Jun 01, 23 09:40 AM

    best mortgage rates
    Best Mortgage Rates in New Jersey. See if you qualify for the lowest mortgage rates available!

    Read More

FHA refinance requirements


Apply Now!

To qualify for a streamline refinance your current mortgage must be a FHA mortgage

No Minimum Credit Score Required

There are no minimum credit scores required to qualify for a streamline refinance

No credit score required

No Appraisal Required

There is no appraisal required to qualify for a streamline refinance

No appraisal required

No employment verification

You don't even have to have a job they don't verify it

No employment required

No credit report required

You must have 12 months on time mortgage payments


Call Now, Our Staff is Available!

888-958-5382

Apply Now!