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Manufactured home loans in Washington

Manufactured homes on land you own can be financed with FHA, VA, USDA and conventional mortgages when they meet program requirements. For FHA, the home must be built after June 15, 1976, carry a HUD certification label, have at least 400 square feet, sit on a permanent foundation and be classified as real property. Requirements vary by program and lender.

FHA manufactured home requirements

  • Built after June 15, 1976, with HUD certification labels on each section
  • At least 400 square feet of floor space
  • Permanent foundation meeting HUD guidelines, typically documented by an engineer's certification
  • Classified and taxed as real property, not personal property

Washington notes

Manufactured homes on acreage are common in Central, Eastern and Southwest Washington, and many of those addresses are USDA-eligible for 0% down. A broker matters here because lender overlays on manufactured homes, such as age limits and acreage caps, vary widely.

Common questions

Can I get an FHA loan on a manufactured home?

Yes, if it was built after June 15, 1976, has HUD labels, is at least 400 square feet, sits on a permanent foundation and is titled as real property.

Can I finance a manufactured home in a park on leased land?

Mortgage programs generally require the home and land to be real property. Homes on leased lots are usually financed with chattel (personal property) loans instead.

What clients say

I’m so grateful to have had Kristen as our loan officer during our home-buying journey. Buying a home can be incredibly stressful, especially with all the moving pieces involved, but Kristen was always there to answer my questions, explain things clearly, and keep everything moving forward. She was patient, responsive, and genuinely cared about helping my family get into our new home. I never felt like just another client. Thank you, Kristen, for all your hard work and for helping make this experience so much smoother for us. We truly appreciate you!
★★★★★Charisse S.Posted on Google

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