How do you qualify for a VA Manufactured Home Loan in Florida, Texas, Tennessee, or Alabama?
What are VA Manufactured Home Loan requirements? Will VA manufactured home guidelines permit both singlewide and doublewide manufactured homes? 
How do you qualify for a VA Manufactured Home Loan in Florida, Texas, Tennessee, or Alabama? As you can imagine, these are all great questions and today’s topic will review VA manufactured home guidelines.
As you will see, the VA loan program is extremely powerful and provides a secure financing source for our veterans which allows for credit flexibility, a wide range of eligible properties, and all with affordable no down payment financing.
In today’s short video, I will unlock a hidden secret of the VA program and explain how you can qualify for a VA Manufactured Home Loan.
Now, before we get started, don’t forget to take advantage of our Free Second Opinion Service (“SOS) which can be a great way to help keep your mortgage approval headed in the right direction!
How do you qualify for a VA Manufactured Home Loan in Florida, Texas, Tennessee, or Alabama?
If you are looking to qualify for a VA Manufactured Home Loan, remember that all manufactured homes must meet VA minimum property requirements (“MPRs”).
VA loan requirements for a manufactured home include the following:
- Real Estate Entity: The manufactured home and site must be considered a real estate entity in accordance with state law and meet all local zoning requirements for real estate.
- Permanent Foundation: The manufactured home must be placed on a permanent foundation, constructed to withstand both supporting loads and wind-overturning loads, that meets state and local requirements.
- HUD Standards: The manufactured home must be built to HUD Manufactured Home Construction and Safety Standards.
- Space Requirements: The manufactured home must have a floor area of not less than:
- 400 square feet for a singlewide, or
- 700 square feet for a doublewide manufactured home.
- State/Local Requirements: Fee appraisers are expected to be familiar with state and local regulations governing manufactured homes (for example, missing HUD labels, alterations, modifications, additions, or component replacements), and to prepare appraisals subject to appropriate requirements for compliance.
- Proposed Construction: If the manufactured home is appraised as proposed construction (i.e., new construction manufactured home and land), the following exhibits are required:
- foundation plan,
- floor plan showing room layout and exterior dimensions,
- elevation plans, and
- specifications for flooring, heating, plumbing, electrical equipment, appliances and other items included with the manufactured home.
As you can see, the VA program can be extremely powerful and because we are licensed in Florida, Texas, Tennessee, and Alabama we can help qualify you to purchase a manufactured home with a VA loan in any of these states.
As a VA Approved Lender, we will walk you through the VA Manufactured Home Loan qualifying process step-by-step. Just call or email to discuss your scenario and let us show you the “Metroplex” difference!
800-806-9836 Ext. 280
SeanS@MPLX.org
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As always, I want everyone to make it a great day, and look forward to seeing you right here for the next tip of the week!
