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Can I use the 203k to fix up my manufactured home in Lincoln CA?

Home Inspector with 203kOnLine.com, covering the USA S0289

Can I use the 203k to fix up my manufactured home?

Upgrading a manufactured or factory built home is possible not just stick built homes. Keep it in mind. We are doing two right now and they are coming together rather nicely. Keep the foundation in tact and you should be fine.

This opens up a great many more homes for rehab and the 203k. Keep thinking outside the box.

How about a stick built home that is partially finished but 18 months old? Never been lived in? Does it fit the guidline for the 203k... NO because it hasn't had a certificate of occupancy.

Now, can you do it? Yes, likley. There is a procedure to get these done. If you have some properties like this let me know and I'll walk you through the process. Now, is there any other way to get them done outside the FHA 203k, absolutely if you use the Fannie Mae Sister product to the 203k, this is the HomeStyle Renovation loan which allows the completion of a home that was never finished. 

It also allows a swimming pool to be built.


Posted by

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Josh David
Bridgeview Bank Mortgage - Tampa, FL
Purchase Specialist... www.joshdavid.us

Mike this is great to know, does this apply to New Construction that has not been issued the "C/O"?


Aug 31, 2009 02:57 PM
Mike Young
203kOnLine.com, covering the USA - Stallings, NC
FHA 203k Consultant 916-758-1809

Yes, it does. I know in our area we see these half finished homes all over. I always attempt to place a card on the home.

Sep 13, 2012 12:49 AM
Jeff Jensen
The Federal Savings Bank/Lending in 50 states - Greenwich, CT

The swimming pool wrinkle is a nice thing to have in California!

Jul 21, 2014 07:37 AM