What is a manufactured home?
home (formerly known as a mobile home) is built to the Manufactured
Home Construction and Safety Standards (HUD Code) and displays a
red certification label on the exterior of each transportable section.
Manufactured homes are built in the controlled environment of a
manufacturing plant and are transported in one or more sections
on a permanent chassis.
What is the difference between manufactured and modular
homes?Manufactured homes are constructed
according to a code administered by the U.S. Department of Housing
and Urban Development (HUD Code). The HUD Code, unlike conventional
building codes, requires manufactured homes to be constructed on
a permanent chassis. Modular homes are constructed to the same state,
local or regional building codes as site-built homes. Other types
of systems-built homes include panelized wall systems, log homes,
structural insulated panels, and insulating concrete forms.
are my options for financing the purchase of a manufactured home?There are many alternatives for
financing your home, including a growing number of lending institutions
that are providing conventional and government-insured financing
plans for prospective owners. The most common method of financing
a manufactured home is through a retail installment contract, available
through your retailer. Some lending institutions that offer conventional,
long-term real estate mortgages may require the homes to be placed
on approved foundations. Manufactured homes are eligible for government-insured
loans offered by the Federal
Housing Administration (FHA), the Veterans
Administration (VA), and the Rural
Housing Services (RHS) under the U.S. Department of Agriculture.
For additional assistance, you may wish to contact HUD's Housing
Counseling Clearinghouse. HUD-approved housing counseling agencies
provide housing counseling to renters, first-time buyers, and homeowners.
Homeowners with problems that could result in default of their mortgage
or foreclosure on their property need to contact a HUD-approved
housing counseling agency immediately. HUD's Housing Counseling
Clearinghouse operates a toll-free 24-hour-a-day automated voice
response system that provides referrals to local housing counseling
agencies, at (800) 569-4287. Referrals are also available to Spanish-speaking
Whom do I contact if
my home was damaged during installation?
Retailers may contract with their customers for the installation
of their homes, in which case the retailer is your first contact
for installation-related problems. If the retailer does not arrange
for the installation and you choose the installation contractor,
you should contact the installer who performed the work. If you
are not satisfied with the repair, contact the local authority/SAA
having jurisdiction. It is important that all services related to
the installation be listed separately in the contract.
What should I do if I'm
having problems with my home and the Retailer and/or Manufacturer
are no longer in business?
Contact your SAA
or State agency that regulates manufactured home manufacturers or
retailers. Your State may administer a bonding or recovery fund
program for such instances.
My home was built before June 15, 1976.
I've made some modifications to my home and believe it meets the
HUD Standards. Can someone come inspect my home to make sure it's
in compliance with the Standards?
HUD does not inspect homes. Homes built
prior to June 15, 1976, even with modifications, do not meet the
HUD standards and cannot be accepted as compliant with the HUD Code.
As the homeowner, you may find a licensed engineer willing to inspect
your home for compliance with your state's housing code. FHA does
not insure mortgages on manufactured homes built prior to June 15,
1976. Most other mortgage insurance firms follow FHA's policy.
Will HUD issue certification labels (HUD tags) if my home was built
Department will not issue tags for a manufactured (mobile) home
constructed prior to the enforcement of the Manufactured Home Construction
and Safety Standards, effective June 15, 1976.
What kind of financing is available for
my manufactured home?
HUD's FHA program insures two types of
mortgages. Title II
insures mortgages on qualifying manufactured homes sold with land
and meeting other requirements. FHA's Title
I program can provide information to consumers interested in
obtaining HUD-insured loans. You may also want to contact lending
institutions in your area (or the area where you want to purchase
your home) for additional financing options.
What if HUD does not consider my home to
meet its requirements for Title I or Title II insured loans? Are
there still financing options available to me?
You may wish to consult with private lending institutions
such as Freddie Mac or Fannie Mae to see if financial assistance
is available to you.
I'm interested in purchasing a mobile home
park or building a mobile home park. Where can I go for assistance?
You may contact the Office of Multifamily Housing at 202-708-2495
for assistance. Section 207, which is an FHA mortgage insurance
program for HUD-approved lenders, promotes the creation of manufactured
home communities by increasing the availability of affordable financing
I live in a mobile home park and I'm having
problems with my landlord. Can HUD help me?
HUD does not regulate manufactured (mobile)
home parks; however, most states have an association (http://www.mobilehomeparkstore.com/
mhp_associations.htm) that can assist manufactured (mobile)
homeowners with problems they are encountering.
have a park model home and have made upgrades to my home. I was
told I need a HUD label. How do I get one?
Regardless of the upgrades made to your
park model, it is not possible to obtain a HUD label on any structure
that was not produced and inspected as a manufactured home in accordance
with HUD's Manufactured Home Construction and Safety Standards and
Regulations during its original construction. You may contact the
Recreational Park Trailer Industry Association (http://www.rptia.com)
for additional information and resources regarding park model homes.