Consumer Information

What is a Manufactured Home?

A manufactured home (formally known as a mobile home) is built to the Manufactured Home Construction and Safety Standards (HUD Code).  Manufactured homes are built in the controlled environment of a manufacturing plant and are transported in one or more sections on a permanent chassis.

To help identify a manufactured home, look for a red metal tag located on the exterior of each of the transportable sections, and a non-removable steel chassis that is usually visible underneath.  Manufactured homes arrive on their own wheels and have a hitch tongue for transporting.  They also usually have much less of a roof pitch than conventional homes.

A growing number of lending institutions are providing conventional and government-insured financing plans for prospective owners.  The most common method financing is through a retail installment contract, available through most retailers.  Some lending institutions that offer conventional, long-term real estate mortgages may require that homes are 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.

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 1(800)569-4287.

Source:  U.S. Dept. of Housing & Urban Development www.hud.gov

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