Can I Finance a Manufactured Home With FHA?

{[ ["HUD Code required", "The home must be built to HUD Manufactured Home Construction and Safety Standards with visible certification labels (HUD tags). Pre-1976 mobile homes and units without proper certification generally do not qualify."], ["Real property title", "The home must be titled as real estate — not personal property or chattel — and typically include the land in the same transaction. Title status is one of the first items we verify."], ["Permanent foundation", "The unit must be affixed to a permanent foundation per FHA and HUD guidelines. Homes on temporary supports, transport frames, or non-approved pier systems usually fail appraisal."], ["Site and utilities", "The lot needs acceptable access, drainage, water, sewer, and electric service that meet local zoning and FHA site requirements. Rural and park sites get extra scrutiny."], ["Occupancy as primary home", "FHA requires you to occupy the manufactured home as your primary residence. Pure investment or second-home purchases need a different loan program."] ].map(([title, desc], idx) => ( ))}