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Manufactured Homes
Conventional
Minimum FICO of 620 for all loan types
Cash Out refinance available (in addition to purchase and R/T refinances)
Second Homes permitted
Homes built after July 15, 1976 are eligible
Manufactured homes in PUDs are permitted (Per Fannie Mae guidelines: NO single-wide units)
O/O full down payment can be gift
FHA
Primary Residence
Purchase & Rate/Term Refi
Up to 96.5% LTV on purchase loans
580 FICO allowed with no reserve overlay
Gifts eligible
Ratios determined by AUS
MFH may not have been re-sited
VA
580 FICO
Primary Residence
Purchase & Rate/Term refinances
Maximum LTV is 85% on a Refi
No MFH on leased land
MFH may not have been re-sited
10 acre max
Ratios determined by AUS
Fannie Mae DU Refi Plus Mani Only
No minimum FICO score for all LTVs
Manufactured homes unlimited LTV/CLTV/HCL
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305-851-5225