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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