Manufactured housing

Last updated: October 5, 2026

CURRENT RULE

Freddie Mac consolidated its manufactured housing rules in one place (Selling Guide updated Aug 1, 2026). Key note: Freddie permits loans on relocated manufactured homes (a home moved from its original site), which Fannie does not. Fannie’s manufactured housing rules live in its own guide section.

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Manufactured homes can qualify, but the details matter a lot. Tell me the home’s story and I’ll match it to the right program before we spend money.

DON’T MESS UP

Relocated homes are Freddie-only. Don’t run them as Fannie.
Confirm the foundation certification and HUD data plate early. They kill more deals than credit does.
Always confirm the lender’s manufactured housing program before quoting. Overlays vary widely.

OFFICIAL SOURCES

Freddie Mac Guide: Manufactured Housing
Fannie Selling Guide B7-2: Manufactured Housing

Part of the GTG LO Library. Confirm the current rule with your lender before quoting.