Checklist for Buying a Manufactured Home

Are you considering a manufactured home purchase? These homes are built according to specialized guidelines set out by the HUD instead of building codes at the desired location, and ensure that all areas of the manufactured homes meet strict guidelines.

A big difference between manufactured homes, as opposed to other options, is that they are transported by a vehicle and once at the desired location, the wheels are removed, setting the home in place. Get our checklist for buying a manufactured home.

Manufactured Home Checklist

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The minimum size requirement for a manufactured home is a double-wide.

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There must be permanently affixed with skirting and a structural engineer’s certification for the foundation is required by an engineer.

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The home must be built after June 15, 1976, to qualify for a mortgage.

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The appraiser will need to see the HUD plate which is typically located near the electric panel or inside a closet.

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The property must have been converted to real property by the taxing authority.

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If the home was built before 2000, you will need a home inspection with all repairs fixed.

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A clean water test will need to be conducted and well water must be tested in accordance with the latest local and state drinking water regulation for private wells.

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The property must be hooked up to community sewage disposal or a private septic system.

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Private road maintenance agreements are required for properties that can only be accessed by private roads.

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In most cases, a minimum of 640 credit score is required to qualify for the loan.

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FHA, VA, and conventional loan financing is available, but USDA will only allow loans on brand-new homes and the dealer make and model must already be approved by the USDA.

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