Manufactured Home Program

This program allows for a Borrower to buy a manufacture home insured buy FHA.


Credit score: 620
Property type: Single Family
Occupancy: Primary residence
Down Payment: No minimum borrower contribution
Loan to Value: 96.5%     Max. CLTV: 96.5%
Gift Funds Allowed. No minimum buyer contribution required
Closing cost: Seller and/or lender can pay up to 6%
Debt Ratio: 45%     with compensating factors up to 50%


Additional Notes:

  • Mortgage must cover home
  • Lender paid closing cost program available
  • A structural engineer’s report
  • Primary Residence only
  • Bankruptcy 2 yrs, Foreclosure 3 yrs, Short Sale 3 yrs.
  • First time buyer not required. Must be primary residence.
  • 100% gift for closing funds allowed
  • Mortgage reserves may be required

This page contains program highlights only. See sidebar links for more information and details.

All program are subject to change at anytime without any further notice


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