Manufactured Home Loan Specialists

While other lenders have pulled out of the manufactured housing market, AFR has stood by the broker community by continuing to offer FHA Manufactured financing.

Today, AFR Wholesale offers our Manufactured Housing lending in our FHA, VA, USDA, DU Refi Plus, Open Access, and One Time Close loan programs. Our financing programs offer Manufactured loans for clients with FICO's as low as 620!

For full details on our loan requirements, view our product matrix (Products).

For today's pricing, just go to our daily rate sheet (Today's Rates).

For a Manufactured Home that has had the tags removed, a HUD Label Verification Letter must be ordered; see: Institute for Building Technology and Safety (click here)


Property Eligibility : A manufactured home is a structure that is transportable in one or more sections, and is designed and constructed to the Federal Manufactured Construction and Safety Standards and is so labeled. To be eligible for FHA mortgage insurance, all manufactured homes must comply with the following:

  • A floor area of not less than 400 square feet

  • Be constructed after June 15, 1976, in conformance with the Federal Manufactured Home Construction and Safety Standards, as evidenced by an affixed certification label in accordance with 24 CFR 3280.11 (manufactured homes produced prior to that date or ineligible for insured financing)

  • Be classified as real estate (but not be treated as real estate for purposes of state taxation)

  • The mortgage must cover both the manufactured unit and its site and shall have a term of not more than 30 years from the date amortization begins.

  • Built and remains on a permanent chassis

  • Designed to be used as a dwelling with a permanent foundation built to FHA criteria, and the finished grade elevation beneath the manufactured home or, if a basement is used, the grade beneath the basement floor shall be at or above the 100-year return frequency flood elevation.

Manufactured Housing Certification: American Financial Resources, Inc. has negotiated special pricing on Manufactured Housing Certifications through Hayman Residential Engineering Services. They provide a complete service for foundations on manufactured housing. To order your certification: (Hayman Engineering Website)

Remember: AFR Does Not Charge Any Lender Fees!