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Manufactured Housing 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’s 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 and Urban Development www.hud.gov

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