FHA Guidelines for Single and Double-wide Mobile Homes, FHA Mobile Home Loan Lender

Mortgage and Lending with 1st Continental

FHA Guidelines for Single and Double-wide  Mobile Homes

 Many people say its impossible to get FHA financing on a single wide mobile home yet I have been doing singlewide and double wide mobile home loans with FHA mortgage insurance for years. 1st continental Mortgage is licensed to originate FHA mobile home loans in the states of Alabama, California, Florida, Indiana, Kentucky, Louisiana, Maryland, Missouri, New Mexico, Pennsylvania, Tennessee and Texas

The list below are guidelines and do not refer to modular homes. Modular homes are treated as Site built.  The difference between modular and manufactured/mobile homes is that modular does not have an under carriage supporting the unit such as a manufactured/mobile home.  Modular is brought to the site on a flat bed.  Manufactured/mobile is brought in on axle and wheels.


Remember we only lend in states of Alabama, California, Florida, Indiana, Kentucky, Louisiana, Maryland, Missouri, New Mexico, Pennsylvania, Tennessee and Texas

Call Thomas Martin at 954-391-8387 or Fill out a Full mortgage application.

Manufactured Home Checklist

  1. The customer pays real estate taxes.
  2. Wheels, axles and trailer hitches have been removed from unit.
  3. The unit does not have a Motor Vehicle Registration Number [VIN Number].
  4. The unit (single-wide or double-wide) was built after June 15, 1976.
  5. Verification tht the HUD RED TAG is attached to property (1 for single-wide and 2 for double-wide units).  If property does not have the identifying HUD TAG(s), the home is not eligible for FHA financing.  ***SEE BELOW FOR FURTHER DETAILS***
  6. Meets all building codes and regional FHA foundation requirements.  (Registered engineer's certification is required.)  ***SEE BELOW FOR FURTHER DETAILS***
  7. First-time put down; not moved from another site (unit must not have been installed or occupied previously at any other site or location).
  8. The land is owned "fee simple" (or has acceptable leasehold approved by Appraisal Underwriting Department). 
  9. The footings / piers must be located below the frost line (per state code -- registered engineer must certify).
  10. The unit must have a permanent perimeter foundation of poured concrete, masonry blocks, or pressure treated wood (impervious to rot and infestation).
  11. If there are any additions or structural modifications to the original structure, provide an inspection by the State Administrative Agency which inspects manufactured homes for compliance.  (If no agency is willing or able to inspect the existing home for compliance to manufactured home construction and safety standards, the home is unacceptable, not eligible for FHA financing, and will be rejected.)  ***May also be done by a registered engineer.***  [i.e., a registered Professional Engineer or P.E.]
  12. Must be a minimum of 400 square feet.  If less than 400 square feet, property will not be eligible for FHA financing -- no exceptions.
  13. Is the home in, or to be in a flood zone A or V?  The finished grade elevation beneath the manufactured home, or if a basement is used, the lowest finished exterior grade adjacent to the perimeter enclosure, must be at or above the 100-year return frequency flood elevation.  One must provide a flood elevation certificate / survey to verify before the property can be approved.

Mobile Home Financing In Alabama, California, Florida, Indiana, Kentucky, Louisiana, Maryland, Missouri, New Mexico, Pennsylvania, Tennessee and Texas

No matter if you call it a factory built home, a manufactured home, a modular home, or a prefabricated home; smart Texas financing Mobile Home Buyers know that manufactured homes offer them comparable quality, lower costs per square foot and dramatically quicker build times than a traditional site built home.

These new mobile homes in Louisiana are a world better in quality and Construction than the single and double wide trailer homes of a generation ago. Not only has the quality of manufactured and modular housing improved dramatically for Florida home buyers, but now there are also more California mobile home mortgage programs for manufactured homes and better home loan options for modular home buyers in Citrus County and the other Alabama cities we serve.

Most industries in New Mexico switched to factories and assembly lines over one hundred years ago. Only Florida home builders were left behind. Many still cling to the outdated belief that the only way to build a home is by delivering materials and workers to the vacant lot and managing subcontractors for 6 months to a year.

Not true.

It should be no surprise that the fastest growing segments of the housing market today are Florida manufactured homes and modular homes.

As Mortgage Lenders, we at 1st Continental Mortgage have helped scores of Pennsylvania's from first time home buyers to vacation home buyers secure excellent FHA home loans to achieve mobile and modular home financing. If you need a loan for a mobile home on land, a modular home in a Tennessee subdivision or a manufactured home on acreage - please call 1-800-570-0448 or apply online today using our quick application.

Texas Modular homes or manufactured homes from top manufactures now compare in quality with homes built by better custom home builders No matter what name they go by, factory built homes cost between ten and thirty percent less than traditional site built homes. At 1st Continental Mortgage, we know why you want a fixed rate mortgage to buy a modular home in a subdivision, an FHA home loan for a manufactured home on an acre lot, or conventional home loan for a mobile home on a rural retreat. With our network of financing, we can help you get the manufactured home financing for your Florida dream home at interest rates and terms you deserve.

Some mortgage lenders do not know how to get these loans approved. Worse still, they don't welcome the business of manufactured home buyers. At 1st Continental Mortgage, we want your business. We will be glad to assist you in securing the best rate and terms for your Florida manufactured home mortgage. We have been helping with the purchase and Refinance of mobile, modular, and manufactured homes from Dade County to Leon County for over a decade.

Some Maryland Mortgage lenders don't know the lenders who want to lend money for a manufactured home and land package. We do. If you are looking at a modular home in a subdivision, or one of many Florida manufactured housing developments, call 1st Continental Mortgage today at 1-800-570-0448. Our friendly staff can help you get a low fixed rate mortgage or refinance on your  Missouri modular home, manufactured home or Mobile Home.

Modular Home Financing & Home Loans

It's not unusual for us to get a phone call about how a home buyer should go about the financing of a modular home. While a home loan is complicated, the process of choosing a home shouldn't be. Modular home financing is really not that different than getting a new home loan on a traditional stick built home.

Modular homes offer home buyers a wide range of pre-designed floor plans to choose from. Many manufactures of modular homes have 40 to 100 or more pre-designed homes. Enough to fit the tastes, desires and needs of virtually every potential home buyers. When you think about, and begin adding options to customize your modular home, the choices can really get into the hundreds. From carpeting type, color to hard wood floors, to brick or pine, fire places and window types, the decisions a home buyer faces are broad. That is the beauty of a modular home. Once you've found the right floor plan, you can really treat how it is built just like you would treat a custom home product! The best part about a modular home, is the fact they can cost 75 to 80% less per square foot than what you would pay for a traditional conventional stick built property! At 1st Continental Mortgage, we offer home loans for Modular Homes! Give us a call today at 1-888-427-5442 or use our Quick Application to learn more!

As a mortgage company that offers home loans for modular homes, we'll gladly work with any manufacture you choose to put you into the best loan at the best rate with great financing terms. We believe we offer not just strong service, but great value to our customers. Financing with an independent mortgage company creates an Arms length approach to doing business. Separating the building of the modular home and financing of the modular home can help to minimize your exposure financially as well. Give us the opportunity to help you to finance your modular home! We're confident you'll be amazed with our service, expertise and mortgage loan program choices! Call today at 1-888-427-5442 or complete our Quick Application to get started


More information on FHA Mobile home loans can be found at www.Hud.gov

FHA mobile home financing

Mobile home Loan Frequently Asked Questions


Mobile Home Lenders

1st Continental Mortgage offers several options for clients looking for Mobile or Modular home financing for a mobile home with land. The truth is, with double digit appreciation on housing and payroll lagging behind at 3%, traditional stick built homes are becoming out of reach for the average wage earners. At 1st Continental mortgage, we recognize the trends and know that manufactured homes offer terrific value better per square foot pricing that today's traditional homes. Refinancing or purchasing a mobile home today is not nearly as difficult as you might think. Contact us today by filling out a quick application.

Years ago, mobile homes were considered a substandard and were not held in high regard by those who owned one. Today's manufactured homes sure has gone a long way to changing that opinion. Many offer great amenities in today's mobile homes that would cost you tens of thousands of dollars more to achieve with a traditional block or stick built home. Today's mobile homes are actually built to a higher standard than those required for traditional block homes. For instance, in some California towns it is not uncommon to see a 1800 square foot middle class home on the market for over $150,000.00 dollars. A savvy buyer can purchase a quarter acre lot outside of Tampa, FL and put a 2000 square foot manufactured home for a package price of around $175,000.00 with typically far more featured built into their home.

Historically, mobile homes were considered a poor investment for the mortgage market because of home depreciation. After 40 years of data, this has simply been shown to be inaccurate. The typical mobile home loan secured by a manufactured home tied to land appreciates using the same principles one applies to traditional stick built homes: Supply and demand. That's why we believe a quality land and mobile home mortgage package is the best investment. Fill out a quick application now to get started.


If you reside in Alabama, California, Florida, Indiana, Kentucky, Louisiana, Maryland, Missouri, New Mexico, Pennsylvania, Tennessee and Texas Today's the day to apply for your Mobile or Modular home financing with 1st Continental Mortgage.

Can I finance a used mobile home?
When shopping for a mobile home, what should I consider?
Should I buy a mobile home from a dealer or use a real estate agent?
Can I finance a single wide manufactured home?
What is the difference between a double wide and triple wide home?
What is the difference between a mobile home and manufactured home?
Are modular homes the same thing as mobile homes?
Can a modular home be built in a subdivision?
Is it difficult to finance a manufactured home?
How do I get a loan for a mobile home?
Should I finance my mobile home through a dealer?
Can I use my mobile home to consolidate debt?
How difficult is it to refinance a manufactured home?
Does my mobile home have to be permanently affixed to the ground?
Does your company have experts that specialize in MH financing?
How do you view credit when financing a mobile home?
I need a fast turnaround time, can your team get it done?
Can I get a pre-approval letter for a mobile home loan?
What are the closing costs on a mobile home loan?
What Interest rate can I expect to get when financing a manufactured home?

Comments (8)

Sergio Rebollo Jr.
Real Estate TeamMates - Miami, FL

Thomas....Welcome to ActiveRain.  This is a great community to network with others as well a great place to learn from other's experiences and knowledge.  I've enjoyed it; I hope you enjoy it as well.  Congrats on your first post.

Nov 08, 2008 10:50 AM
Kevin Sandridge
Signature Home Funding - Winter Haven, FL
Winter Haven Mortgage Broker

Kevin Sandridge's Facebook profileHi Thomas, Welcome to the Rain!

Wow!  These first two posts are loaded with info! Would be nice to learn a bit more about your area and what your thoughts are on buying and financing homes today!

I joined the Active Rain community not too long ago myself and wanted to drop a line to share some of the good vibes and welcome wishes I have received already.

I'm very excited about this community - basically because folks seem so willing to help out, provide industry insight, and share their good news and experiences!

A few things: 

One:  Be sure to include a good amount of information on your profile page.  Check out the profiles on other Realtor's sites here on Active Rain who are listed as "Featured" or "Tops" in their area (look for high point totals).  You'll find that this will seriously boost your presence on ActiveRain - via the added points. 

Two: I urge you to keep blogging on this site!  You will be AMAZED at the awesome feedback you receive very soon after they hit the network!  I use Google Reader to subscribe to blogs that provide me with ideas about what I'd like to comment on - both industry wise and just for fun!  Check it out I am more than willing to step you through the site and to help you get a few more blog posts generated if you wish - as a way of adding some value and paying forward some good networking vibes!  :)

Three: Be sure to add in a good number of posts about what you think and consider pertinent regarding your area of expertise!  You'll notice that many if not all of the Featured posting bloggers here on AR do this.

Lastly, I do quite a lot of work via social networks, email campaigns, and relationship building.  If I can ever be of any assistance, don't hesitate to ask.

Looking forward to what you'll share with us all here on Active Rain!  :)


Kevin Sandridge

Winter Haven, FL

Nov 09, 2008 07:27 AM
The Trumm Team Omaha Homes for Sale, Real Estate
Keller Williams Greater Omaha - Omaha, NE

Welcome to ActiveRain!

If you would like a few tips on getting the most out of ActiveRain, please visit my blog Welcome to Active Rain.  It has a few simple steps of what to do now that you have joined.

If you ever have any questions, just let me know.

Troy Trumm

Nov 30, 2008 01:14 AM
Mark Montross
Catamount Realty Group - Burlington, VT
Listing and Buyer Specialist

Thomas, thank you for this valuable information. I see that you wrote this two years ago. Can you recommend anyone to finance a double wide in Vermont with less than 20% downpayment? Thank you, Mark

Mar 21, 2010 03:30 AM
John DL Arendsen
CREST "BACKYARD' HOMES, ON THE LEVEL General & Manufactured Home Contractor, TAG Real Estate Sales & Investments - Leucadia, CA
Crest Backyard Homes "ADU" dealer & Contractor

I'm way late for this one but it just popped up on my radar so here goes anyway. 

Please feel free to log onto our Truliahttp://www.trulia.com/blog/onthelevelcontractors/ or Active Rain bloghttp://activerain.com/blogs/johnarendsen for more comprehensive information about the MH Industry. 

Or you can check our our website and give us a call or drop us an email. We are RE Brokers, Manufactured Home Dealers and licensed, bonded and insured General Contractors and have been actively engaged in the MH Industry statewide for almost 3 decades. 

We love to Network with other MH Professionals.

Feb 27, 2011 08:28 AM
John DL Arendsen
CREST "BACKYARD' HOMES, ON THE LEVEL General & Manufactured Home Contractor, TAG Real Estate Sales & Investments - Leucadia, CA
Crest Backyard Homes "ADU" dealer & Contractor

Thomas, Not sure if you're still among us at Active Rain but I just ran across your  post. I'd like to invite you to join our group. 


Jan 30, 2014 11:14 AM
John DL Arendsen
CREST "BACKYARD' HOMES, ON THE LEVEL General & Manufactured Home Contractor, TAG Real Estate Sales & Investments - Leucadia, CA
Crest Backyard Homes "ADU" dealer & Contractor

Your post speaks of SPAM. This is not a forum for your adverttising and self angrandizment and I'll recommend it be deleted. At least you can do is joing this platform and post informative and knowledgable contributions.

Jan 13, 2017 03:35 PM