How to get an FHA loan for a mobile home or manufactured home

kAmqFJ:?8 2 >2?F724EFC65 9@>6 42? 36 2 >@C6 277@C523=6 A2E9 E@ 9@>6@H?6CD9:A[ 2?5 2? uwp =@2? >2J >2<6 E92E A2E9 6G6? >@C6 2446DD:3=6]k^Am

kAm%96D6 =@2?D[ 324<65 3J E96 u656C2= w@FD:?8 p5>:?:DEC2E:@? WuwpX[ 2C6 56D:8?65 E@ 96=A >@C6 A6@A=6 BF2=:7J H:E9 =@H6C 5@H? A2J>6?E C6BF:C6>6?ED[ 7=6I:3=6 4C65:E DE2?52C5D[ 2?5 k2 9C67lQ9EEADi^^HHH]?6:893@CD32?<]4@>^792\=@2?D^C2E6D^Qm4@>A6E:E:G6 :?E6C6DE C2E6Dk^2m]k^Am

kAmq6=@H[ k2 9C67lQ9EEADi^^HHH]?6:893@CD32?<]4@>Qm}6:893@CD q2?<k^2m 6IA=2:?D 9@H E@ 86E 2? uwp =@2? 7@C 2 >@3:=6[ >2?F724EFC65 2?5 >@5F=2C 9@>6]k^Am

k9bmx? 2 }FED96==k^9bm

kF=mk=: 52E2\=:DE\:E6>\:5lQ6c3647hde35b7e57h32cdeb3hffa5h6`gQm!6@A=6 @7E6? FD6 “>@3:=6 9@>6” 2?5 “>2?F724EFC65 9@>6” :?E6C492?8623=J[ 3FE E96C6 :D 2? :>A@CE2?E 5:776C6?46i |@3:=6 9@>6D H6C6 3F:=E 367@C6 yF?6 `d[ `hfe[ H9:=6 >2?F724EFC65 9@>6D H6C6 3F:=E @? @C 27E6C E92E 52E6 E@ 7656C2= w&s DE2?52C5D]k^=:mk=: 52E2\=:DE\:E6>\:5lQ657hcdge2`cd`5d_d55h67h5e5f`523`6Qmw@>6D 3F:=E 367@C6 yF?6 `d[ `hfe[ 2C6?VE 6=:8:3=6 7@C uwp >2?F724EFC65 9@>6 7:?2?4:?8]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6cf7cc23454b73b6fehaac_2ag34c3_3cQm|2?F724EFC65 9@>6D >FDE >66E DA64:7:4 uwp 2?5 w&s 8F:56=:?6D E@ BF2=:7J]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6c33_24fde34fg``b6_gba4e`aa2fa744Qmuwp 92D 5:776C6?E 7:?2?4:?8 @AE:@?D 56A6?5:?8 @? H96E96C J@FVC6 3FJ:?8 E96 9@>6 3J :ED6=7 @C E96 9@>6 2?5 =2?5 E@86E96C]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6f26_6_ffag2bf`eg6_fgefd3_7f4dea5Qm}@E 6G6CJ uwp\2AAC@G65 =6?56C @776CD >2?F724EFC65 9@>6 7:?2?4:?8[ D@ :EVD H@CE9 4964<:?8 H:E9 2 =6?56C 367@C6 J@F 86E E@@ 72C :?E@ J@FC 9@>6 D62C49] k^=:mk^F=m

k9bmr2? J@F 86E 2? uwp =@2? 7@C 2 >@3:=6 9@>6nk^9bm

kAm%649?:42==J[ ?@] w@>6D 3F:=E 367@C6 yF?6 `d[ `hfe[ 2C6 4@?D:56C65 >@3:=6 9@>6D 2?5 2C6?VE 6=:8:3=6 7@C uwp >2?F724EFC65 9@>6 7:?2?4:?8] w@>6D 3F:=E @? @C 27E6C E92E 52E6 2C6 4@?D:56C65 >2?F724EFC65 9@>6D 2?5 >2J BF2=:7J :7 E96J >66E uwp 2?5 w&s C6BF:C6>6?ED]k^Am

kAm%96 E6C>:?@=@8J 42? 36 4@?7FD:?8 3642FD6 “>@3:=6 9@>6” :D DE:== 4@>>@?=J FD65 2D 2 42E49\2== 7@C 724E@CJ\3F:=E 9@FD:?8] x7 J@FVC6 D9@AA:?8 7@C H92E J@F H@F=5 EJA:42==J 42== 2 >@3:=6 9@>6 E@52J[ E96C6VD 2 8@@5 492?46 J@FVC6 24EF2==J =@@<:?8 2E 2 >2?F724EFC65 9@>6 E92E >2J 36 6=:8:3=6 7@C uwp 7:?2?4:?8]k^Am

k9bm|@3:=6 GD] |2?F724EFC65 GD] |@5F=2C w@>6Dk^9bm

kAmq67@C6 =@@<:?8 2E uwp 7:?2?4:?8[ :E 96=AD E@ <?@H H92E EJA6 @7 9@>6 J@FVC6 3FJ:?8] |@3:=6[ >2?F724EFC65 2?5 >@5F=2C 9@>6D >2J =@@< D:>:=2C[ 3FE E96JVC6 3F:=E F?56C 5:776C6?E DE2?52C5D 2?5 42? 92G6 5:776C6?E 7:?2?4:?8 C6BF:C6>6?ED]k^Am

k7:8FC6mk:>8 DC4lQ9EEADi^^:>286D]DE24<6C]4@>^H^`ag_^:>286D^DE@C:6D^a_ae^_h^`f^?6:893@CD\32?<\9@>6Ta_EJA6D]A?8Q 2=ElQ%23=6 567:?:?8 9@>6 EJA6D 2?5 E96:C uwp =@2? 6=:8:3:=:EJ]Q DEJ=6lQH:5E9i `__TQ ^mk7:842AE:@?m}6:893@CD q2?<k^7:842AE:@?mk^7:8FC6m

kAmx? D9@CE[ >@3:=6 9@>6D 2C6?VE 6=:8:3=6 7@C uwp >2?F724EFC65 9@>6 7:?2?4:?8[ >2?F724EFC65 9@>6D >2J BF2=:7J F?56C uwpVD >2?F724EFC65 9@FD:?8 C6BF:C6>6?ED[ 2?5 >@5F=2C 9@>6D 2C6 86?6C2==J 7:?2?465 F?56C E96 D2>6 uwp 8F:56=:?6D 2D EC25:E:@?2= D:E6\3F:=E 9@>6D]k^Am

k9bmuwp |2?F724EFC65 w@>6 vF:56=:?6Dk^9bm

kAm%96 6I24E 8F:56=:?6D 56A6?5 :? A2CE @? 9@H E96 9@>6 2?5 =2?5 2C6 36:?8 7:?2?465] u@C 2 EJA:42= uwp >@CE8286 D64FC65 3J 2 >2?F724EFC65 9@>6 2?5 :ED D:E6[ E96 9@>6 H:== ?665 E@ >66E 255:E:@?2= DE2?52C5D 36J@?5 E96 k2 9C67lQ9EEADi^^HHH]?6:893@CD32?<]4@>^792\=@2?D^Qm86?6C2= uwp =@2? C6BF:C6>6?EDk^2m]k^Am

kAm%96D6 :?4=F56ik^Am

kF=mk=: 52E2\=:DE\:E6>\:5lQ6_eheb6f_62bea2565a4hg4bc_6hecgagQm%96 9@>6 >FDE 92G6 366? 3F:=E @? @C 27E6C yF?6 `d[ `hfe[ 2?5 >66E 2AA=:423=6 w&s 4@?DECF4E:@? DE2?52C5D]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6f5``e575geh6bhd646_bafd2h3f_fcdhQm%96 9@>6 >FDE 92G6 E96 C6BF:C65 w&s r6CE:7:42E:@? {236= W2<2 w&s E28X @C 5@4F>6?E2E:@? 4@?7:C>:?8 4@>A=:2?46]k^=:mk=: 52E2\=:DE\:E6>\:5lQ674aeg_d5geccb34h_6hh7h6cf224_4g3Qm*@F >FDE A=2? E@ FD6 E96 9@>6 2D J@FC AC:>2CJ C6D:56?46]k^=:mk=: 52E2\=:DE\:E6>\:5lQ64_gccec6`65ae_36f6275dag642`afh`Qm%96 9@>6 >FDE 4@?E2:? 2E =62DE c__ DBF2C6 766E @7 =:G:?8 DA246 7@C uwp %:E=6 xx 7:?2?4:?8]k^=:mk=: 52E2\=:DE\:E6>\:5lQ67a7g6ae_55557f6`be6hh4`6a4f3bf_cQm%96 AC@A6CEJ >FDE >66E 2AA=:423=6 k2 9C67lQ9EEADi^^HHH]?6:893@CD32?<]4@>^=62C?^792\>:?:>F>\AC@A6CEJ\DE2?52C5D^Qmuwp >:?:>F> AC@A6CEJ DE2?52C5Dk^2m]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6a3`2`fg5ef3_6_5c7`6`dc`c`4c54e2hQm*@F >FDE H@C< H:E9 2? uwp\2AAC@G65 =6?56C E92E @776CD >2?F724EFC65 9@>6 7:?2?4:?8]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6ga22facg4_h_35``e6`_a3e`fge4_e6fQmp? uwp 2AAC2:D2= >2J 36 C6BF:C65 E@ 4@?7:C> E96 9@>6VD G2=F6[ 4@?5:E:@? 2?5 4@>A=:2?46 H:E9 2AA=:423=6 AC@A6CEJ C6BF:C6>6?ED]k^=:mk^F=m

kAmu@C uwp %:E=6 xx 7:?2?4:?8[ E96 9@>6 2?5 AC@A6CEJ >FDE 2=D@ 72== H:E9:? E96 2AA=:423=6 k2 9C67lQ9EEADi^^HHH]?6:893@CD32?<]4@>^792\=@2?D^=@2?\=:>:ED^Qmuwp =@2? =:>:E 7@C J@FC 2C62k^2m]k^Am

k9bmuwp %:E=6 x GD] %:E=6 xx |2?F724EFC65 w@>6 {@2?Dk^9bm

kAm~?6 56E2:= E92EVD 62DJ E@ >:DD :D E92E uwp @776CD EH@ 5:776C6?E H2JD E@ 7:?2?46 >2?F724EFC65 9@FD:?8]k^Am

kAmkDEC@?8muwp %:E=6 xk^DEC@?8m 42? 36 FD65 E@ 7:?2?46 2 >2?F724EFC65 9@>6[ 2 =@E[ @C 2 9@>6 2?5 =@E E@86E96C] x? D@>6 42D6D[ E96 9@>6 42? 36 =@42E65 @? =62D65 =2?5[ H9:49 >62?D J@F 5@?VE ?646DD2C:=J 92G6 E@ @H? E96 AC@A6CEJ F?56C?62E9 :E]k^Am

kAmkDEC@?8muwp %:E=6 xxk^DEC@?8m H@C<D >@C6 =:<6 E96 uwp >@CE8286 J@F >2J 36 72>:=:2C H:E9 7@C 2 EC25:E:@?2= 9@>6] %96 >2?F724EFC65 9@>6 :D 7:?2?465 2D C62= AC@A6CEJ 2=@?8 H:E9 :ED D:E6 2?5 >FDE >66E E96 uwpVD 2AA=:423=6 >2?F724EFC65\9@>6 2?5 7@F?52E:@? C6BF:C6>6?ED]k^Am

kAmkDEC@?8mr2? x 7:?2?46 ;FDE E96 9@>6nk^DEC@?8mk^Am

kAm!@E6?E:2==J] uwp %:E=6 x 7:?2?4:?8 42? 36 FD65 7@C 2 >2?F724EFC65 9@>6 H:E9@FE AFC492D:?8 E96 =2?5 F?56C?62E9 :E]k^Am

kAm%92E 42? 36 96=A7F= :7 J@F A=2? E@ A=246 E96 9@>6 @? =62D65 =2?5] uwp 92D DA64:7:4 C6BF:C6>6?ED 7@C =62D65 =@ED[ E9@F89[ 2?5 =6?56CD >2J 92G6 255:E:@?2= 8F:56=:?6D @7 E96:C @H?]k^Am

kAmkDEC@?8m(92E :D 4@?D:56C65 2 7@F?52E:@? 7@C 2 >2?F724EFC65 9@>6nk^DEC@?8mk^Am

kAmu@C uwp %:E=6 x 2?5 %:E=6 xx 7:?2?4:?8[ E96 >2?F724EFC65 9@>6 >FDE 36 D6E @? 2 A6C>2?6?E 7@F?52E:@? E92E 4@>A=:6D H:E9 w&s DE2?52C5D] p446AE23=6 7@F?52E:@? EJA6D :?4=F56 A:6CD[ D=23D[ 2?5 4C2H= DA246D] $6EE:?8 FA 2 9@>6 @? 2? 2AAC@G65 7@F?52E:@? 42? 36 4@DE=J[ D@ :E’D 6DD6?E:2= E@ 3F586E 7@C E9:D :7 FA8C256D 2C6 ?66565]k^Am

kAmkDEC@?8m(92E :7 E96 9@>6 :D :? 2 >@3:=6 A2C<nk^DEC@?8mk^Am

kAmuwp %:E=6 x 7:?2?4:?8 42? 2==@H 2 >2?F724EFC65 9@>6 E@ D:E @? =62D65 =2?5[ :?4=F5:?8 2 D:E6 :? 2 >2?F724EFC65 9@>6 4@>>F?:EJ[ 2D =@?8 2D 2AA=:423=6 uwp =62D6 2?5 AC@A6CEJ C6BF:C6>6?ED 2C6 >6E]k^Am

kAm%92E 5@6D?VE >62? 6G6CJ =6?56C H:== 7:?2?46 E9:D EJA6 @7 AC@A6CEJ] x?5:G:5F2= =6?56CD 42? 92G6 E96:C @H? 8F:56=:?6D :? 255:E:@? E@ uwp C6BF:C6>6?ED]k^Am

k9bmuwp |@5F=2C w@>6 vF:56=:?6Dk^9bm

kAm|@5F=2C 9@>6D 7@==@H 2 5:776C6?E D6E @7 4@?DECF4E:@? CF=6D E92? >2?F724EFC65 9@>6D]k^Am

kAm&?=:<6 >2?F724EFC65 @C >@3:=6 9@>6D[ >@5F=2C 9@>6D 2C6 3F:=E :? D64E:@?D @77\D:E6 E@ >66E =@42= @C DE2E6 3F:=5:?8 4@56D] %96J 2C6 E96? EC2?DA@CE65 E@ E96 AC@A6CEJ 2?5 2DD6>3=65[ >2<:?8 E96> :?5:DE:?8F:D923=6 7C@> DE:4<\3F:=E 9@>6D] %9:D 4=2DD:7:42E:@? >62?D E96J 5@ ?@E 92G6 255:E:@?2= C6BF:C6>6?ED DA64:7:4 E@ >@5F=2C 4@?DECF4E:@? H96? 2AA=J:?8 7@C 2? uwp =@2?]k^Am

kAm(:E9 uwp =@2?D[ >@5F=2C 9@>63FJ6CD >FDE >66E E96 DE2?52C5 BF2=:7:42E:@?D 7@C 2?J uwp AFC492D6 =@2?[ :?4=F5:?8 >:?:>F> 4C65:E D4@C6D[ 563E\E@\:?4@>6 C2E:@D[ 2?5 5@H? A2J>6?E C6BF:C6>6?ED]k^Am

kAm%96 AC@A6CEJ H:== 2=D@ ?665 E@ A2DD 2? uwp 2AAC2:D2=[ 3FE ?@ DA64:2= w&s 8F:56=:?6D 2AA=J E@ >@5F=2C 9@>6D] %9:D DEC62>=:?65 AC@46DD >2<6D 7:?2?4:?8 >@5F=2C 9@>6D E9C@F89 uwp =@2?D 2D DEC2:89E7@CH2C5 2D 7:?2?4:?8 2 EC25:E:@?2= 9@FD6[ 8:G:?8 3FJ6CD 2 H:56C C2?86 @7 277@C523=6 @AE:@?D]k^Am

k9bm!C@D 2?5 r@?D @7 &D:?8 uwp u@C |2?F724EFC65 w@>6Dk^9bm

kAm%96 AC@D @7 2? uwp =@2? 7@C >@3:=6 9@>6D @C >2?F724EFC65 9@>6D :?4=F56 2 =@H6C 5@H? A2J>6?E 2?5 7=6I:3=6 4C65:E C6BF:C6>6?ED[ >2<:?8 :E 2446DD:3=6 E@ 2 =2C86C A@@= @7 3@CC@H6CD]k^Am

kAmw@H6G6C[ 3@CC@H6CD D9@F=5 36 2H2C6 @7 A@E6?E:2= 5@H?D:56D[ DF49 2D E96 C6BF:C6>6?E 7@C k2 9C67lQ9EEADi^^HHH]?6:893@CD32?<]4@>^792\=@2?D^792\>@CE8286\:?DFC2?46^Qmuwp >@CE8286 :?DFC2?46 AC6>:F>Dk^2m 2?5 AC@A6CEJ DE2?52C5D]k^Am

k7:8FC6mk:>8 DC4lQ9EEADi^^:>286D]DE24<6C]4@>^H^`ag_^:>286D^DE@C:6D^a_ae^_h^`f^?6:893@CD\32?<\AC@D\4@?D\uwp]A?8Q 2=ElQ%23=6 =:DE:?8 E96 AC@D 2?5 4@?D @7 FD:?8 uwp 7@C >2?F724EFC65 9@>6D]Q DEJ=6lQH:5E9i `__TQ ^mk7:842AE:@?m}6:893@CD q2?<k^7:842AE:@?mk^7:8FC6m

k9bmk3C ^m|2?F724EFC65 w@>6 s@H? !2J>6?E pDD:DE2?46k^9bm

kAmt=:8:3=6 3FJ6CD >2J 36 23=6 E@ A2:C 2? uwp =@2? H:E9 k2 9C67lQ9EEADi^^HHH]?6:893@CD32?<]4@>^=62C?^792\5@H?\A2J>6?E\2DD:DE2?46^Qm5@H? A2J>6?E 2DD:DE2?46k^2m H96? AFC492D:?8 2 >2?F724EFC65 9@>6] s6A6?5:?8 @? E96 AC@8C2>[ 2DD:DE2?46 >2J 96=A 4@G6C D@>6 @C 2== @7 E96 C6BF:C65 5@H? A2J>6?E 2?5[ :? D@>6 42D6D[ 4=@D:?8 4@DED]k^Am

kAms@H? A2J>6?E 2DD:DE2?46 AC@8C2>D 92G6 E96:C @H? 6=:8:3:=:EJ C6BF:C6>6?ED 2?5 >2J ?@E 36 2G2:=23=6 H:E9 6G6CJ AC@A6CEJ @C =6?56C[ D@ :EVD :>A@CE2?E E@ 4@?7:C> J@FC @AE:@?D 62C=J :? E96 9@>63FJ:?8 AC@46DD]k^Am

k9bmxD 2? uwp {@2? #:89E 7@C *@FC |2?F724EFC65 w@>6nk^9bm

kAmuwp 7:?2?4:?8 42? >2<6 3FJ:?8 2 >2?F724EFC65 9@>6 >@C6 2446DD:3=6[ 3FE E96 9@>6 :ED6=7 2?5 E96 3FJ6C >FDE BF2=:7J] %96 EJA6 @7 9@>6[ 9@H :E H2D 3F:=E[ H96C6 :E H:== 36 A=2465 2?5 H96E96C J@FVC6 7:?2?4:?8 E96 =2?5 42? 2== 27764E J@FC =@2? @AE:@?D]k^Am

kAmx7 J@FVC6 4@?D:56C:?8 2 >2?F724EFC65 @C >@5F=2C 9@>6[ E2=<:?8 H:E9 2? uwp\2AAC@G65 =6?56C 62C=J 42? 96=A J@F F?56CDE2?5 H9:49 7:?2?4:?8 @AE:@?D 2C6 2G2:=23=6 2?5 H96E96C E96 AC@A6CEJ J@FVC6 4@?D:56C:?8 >66ED E96 ?646DD2CJ C6BF:C6>6?ED]k^Am

kAmk2 9C67lQ9EEADi^^HHH]?6:893@CD32?<]4@>^=62C?^792\>2?F724EFC65\>@3:=6\9@>6\=@2?^Qmk6>m%9:D DE@CJk^6>mk^2m k6>mH2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^HHH]?6:893@CD32?<]4@>^Qmk6>m}6:893@CD q2?<k^6>mk^2m k6>m2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2m]k^Am