Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes (01/26/26)
Freddie Mac Guide §5703.1 (Mortgages secured by Manufactured Homes). Gap-fill (verbatim, ID-diff).
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes (01/26/26) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
Freddie Mac Guide 5703.1
(01/26/26) Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026 version of this section. Mortgages secured by Manufactured Homes are eligible for sale to Freddie Mac under the terms of the Guide and this chapter. This section contains requirements related to: ■ Overview ■ Defined terms (a) Overview Negotiated underwriting provisions in the Seller’s Purchase Documents cannot be used with Mortgages secured by Manufactured Homes unless the negotiated underwriting provision is specifically made applicable to Mortgages secured by Manufactured Homes. (b) Defined terms As used in this chapter, the following terms have the meanings ascribed to them below: Defined terms E Existing Manufactured Home A Manufactured Home that is permanently affixed to its foundation as of the Application Received Date, regardless of current or previous occupancy. H HUD Codes A series of regulations that establish requirements for Manufactured Homes in compliance with the National Manufactured Home Construction and Safety Standards (MHCSS) Act of 1974, 42 U.S.C. 5401-5426.
Freddie Mac Guide 5703.1
703-2 The codes are administered by HUD and include, but are not limited to: ■ Manufactured Home Construction and Safety Standards (MHCSS; 24 C.F.R. Part 3280) ■ Manufactured Home Procedural and Enforcement Regulations (24 C.F.R. Part 3282) ■ Model Manufactured Home Installation Standards (MIS; 24 C.F.R. Part 3285 or 3286) ■ Other codes incorporated by reference, (e.g., FEMA 85, Manufactured Home Installation in Flood Hazard Areas) HUD Certification Label A metal plate affixed to the exterior of each transportable section of the Manufactured Home. The HUD certification number appears on each HUD Certification Label and evidences compliance with the Federal Manufactured Home Construction and Safety Standards. HUD Data Plate A paper label mounted in the Manufactured Home that contains, among other things, the manufacturer’s name, trade/model name, year manufactured and serial number, a list of the HUD Certification Label number(s), etc. The HUD Data Plate is typically affixed in a readily accessible and visible location (e.g., near the main electrical panel, in a kitchen cabinet, in a bedroom closet). N New Manufactured Home A Manufactured Home that is purchased directly from a retailer or a developer, has never been occupied and has never been affixed to a permanent foundation on another site.
Freddie Mac Guide 5703.1
Mortgages secured by Manufactured Homes (Future effective date 11/02/26) Mortgages secured by Manufactured Homes are eligible for sale to Freddie Mac under the terms of the Guide and this chapter. This section contains requirements related to: ■ Overview ■ Defined terms (a) Overview Negotiated underwriting provisions in the Seller’s Purchase Documents cannot be used with Mortgages secured by Manufactured Homes unless the negotiated underwriting provision is specifically made applicable to Mortgages secured by Manufactured Homes. (b) Defined terms As used in this chapter, the following terms have the meanings ascribed to them below: Defined terms E Existing Manufactured Home A Manufactured Home that is permanently affixed to its foundation as of the Application Received Date, regardless of current or previous occupancy. H HUD Codes A series of regulations that establish requirements for Manufactured Homes in compliance with the National Manufactured Home Construction and Safety Standards (MHCSS) Act of 1974, 42 U.S.C. 5401-5426. The codes are administered by HUD and include, but are not limited to: ■ Manufactured Home Construction and Safety Standards (MHCSS; 24 C.F.R. Part 3280) ■ Manufactured Home Procedural and Enforcement Regulations (24 C.F.R. Part 3282)
Freddie Mac Guide 5703.1
703-4 ■ Model Manufactured Home Installation Standards (MIS; 24 C.F.R. Part 3285 or 3286) ■ Other codes incorporated by reference, (e.g., FEMA 85, Manufactured Home Installation in Flood Hazard Areas) HUD Certification Label A metal plate affixed to the exterior of each transportable section of the Manufactured Home. The HUD certification number appears on each HUD Certification Label and evidences compliance with the Federal Manufactured Home Construction and Safety Standards. HUD Data Plate A paper label mounted in the Manufactured Home that contains, among other things, the manufacturer’s name, trade/model name, date of manufacture and serial number, a list of the HUD Certification Label number(s), etc. The HUD Data Plate is typically affixed in a readily accessible and visible location (e.g., near the main electrical panel, in a kitchen cabinet, in a bedroom closet). N New Manufactured Home A Manufactured Home that is purchased directly from a retailer or a developer, has never been occupied and has never been affixed to a permanent foundation on another site.
Freddie Mac Guide 5703.1
General requirements related to Manufactured Homes (02/09/26) Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026 version of this section. This section contains:
Freddie Mac Guide 5703.1
703-5 ■ General requirements ■ HUD compliance and documentation requirements ■ Other types of factory-built housing (a) General requirements For a Mortgage secured by a Manufactured Home to be eligible for sale to Freddie Mac, the Manufactured Home must: ■ Have been built on or after June 15, 1976 ■ Be built on a permanent chassis in compliance with the HUD Codes in effect as of the date the Manufactured Home was constructed ■ Be at least 12 feet wide and have at least 400 square feet of above-grade finished area. Exception: This requirement does not apply when the Manufactured Home is an ADU. (See Section 5601.2(d) for Manufactured Home ADU requirements.) ■ Have square footage and room dimensions that are acceptable to typical purchasers in the Market Area ■ Be permanently affixed to the original permanent foundation, in compliance with the HUD Codes. If the permanent foundation was installed prior to October 20, 2008, the foundation must be designed for the site conditions, home design features and loads the home was designed to withstand in accordance with the manufacturer’s instructions or with a design by a licensed (registered) professional engineer. ■ Have a foundation that meets all applicable local, State and federal codes ■ Have an anchoring system that complies with the HUD Codes. If the Manufactured Home was installed prior to October 20, 2008, the anchoring system must comply with the manufacturer’s design or with a design by a licensed (registered) professional engineer. Note: Anchoring systems refer to all components of the anchoring and support systems such as piers, footings, ties, anchoring equipment, anchoring assemblies and any other equipment, materials and methods of construction that support and secure the Manufactured Home to the ground. ■ Not have wheels, axles or towing hitches
Freddie Mac Guide 5703.1
703-6 ■ Be permanently connected to utilities (e.g., power, water, sewage disposal system) in compliance with the HUD Codes ■ The Mortgaged Premises must: ❑ Be zoned for residential use and not for commercial or business uses; and ❑ Must conform to all applicable use restrictions ■ Any improvements, modifications or repairs that affect the safety, soundness or structural integrity of the Manufactured Home must be completed prior to the sale of the Mortgage to Freddie Mac. Exception: This requirement does not apply when the Mortgage is secured by a Manufactured Home that is a CHOICERenovation® In Progress Mortgage or a CHOICEReno eXPress® Mortgage (pursuant to the terms defined in Section 4607.1). ■ Any structural modifications to an Existing Manufactured Home must be verified as approved by a licensed professional engineer or the local, State or federal authority. If structural modifications or additions to a 1-unit dwelling result in any portion of the dwelling being classified as a Manufactured Home, the Mortgage secured by such property must meet the requirements of this Chapter 5703. ■ Not have been moved from its original site and was previously occupied or installed on a permanent foundation (b) HUD compliance and documentation requirements To evidence the Manufactured Home is built in compliance with the Federal Manufactured Home Construction and Safety Standards, the following must be met: ■ Existing Manufactured Homes: either the HUD Certification Label(s) or HUD Data Plate must be present and legible. For existing Manufactured Homes, Freddie Mac will accept as alternative documentation: ❑ A “HUD Label Verification Letter,” with the same information contained on the HUD Certification Label(s), from the Institute for Building Technology and Safety (IBTS) ❑ A Performance Verification Certificate (PVC) from the IBTS, or ❑ A copy of the HUD Data Plate from the In-Plant Primary Inspection Agency (IPIA) or manufacturer. (A list of IPIA offices is posted on HUD’s website.)
Freddie Mac Guide 5703.1
703-7 ■ New Manufactured Homes: both the HUD Data Plate and HUD Certification Label(s) must be present and legible The HUD Data Plate section of the Manufactured Home Appraisal Report (Form 70B, Manufactured Home Appraisal Report) must be completed. (c) Other types of factory-built housing The Freddie Mac definition of Manufactured Homes excludes other types of factory-built housing that are not subject to the National Manufactured Home Construction and Safety Standards Act (e.g., modular or panelized housing). Mortgages secured by other types of factory-built housing are not required to comply with this Chapter 5703 and may be eligible for sale to Freddie Mac if the Mortgage otherwise complies with the Seller’s Purchase Documents.
Freddie Mac Guide 5703.1
General requirements related to Manufactured Homes (Future effective date 11/02/26) This section contains: ■ General requirements ■ HUD compliance and documentation requirements ■ Other types of factory-built housing (a) General requirements For a Mortgage secured by a Manufactured Home to be eligible for sale to Freddie Mac, the Manufactured Home must: ■ Have been built on or after June 15, 1976 ■ Be built on a permanent chassis in compliance with the HUD Codes in effect as of the date the Manufactured Home was constructed ■ Be at least 12 feet wide and have at least 400 square feet of above-grade finished area. Exception: This requirement does not apply when the Manufactured Home is an ADU. (See Section 5601.2(d) for Manufactured Home ADU requirements.)
Freddie Mac Guide 5703.1
703-8 ■ Have square footage and room dimensions that are acceptable to typical purchasers in the Market Area ■ Be permanently affixed to the original permanent foundation, in compliance with the HUD Codes. If the permanent foundation was installed prior to October 20, 2008, the foundation must be designed for the site conditions, home design features and loads the home was designed to withstand in accordance with the manufacturer’s instructions or with a design by a licensed (registered) professional engineer. ■ Have a foundation that meets all applicable local, State and federal codes ■ Have an anchoring system that complies with the HUD Codes. If the Manufactured Home was installed prior to October 20, 2008, the anchoring system must comply with the manufacturer’s design or with a design by a licensed (registered) professional engineer. Note: Anchoring systems refer to all components of the anchoring and support systems such as piers, footings, ties, anchoring equipment, anchoring assemblies and any other equipment, materials and methods of construction that support and secure the Manufactured Home to the ground. ■ Not have wheels, axles or towing hitches ■ Be permanently connected to utilities (e.g., power, water, sewage disposal system) in compliance with the HUD Codes ■ The Mortgaged Premises must: ❑ Be zoned for residential use and not for commercial or business uses; and ❑ Must conform to all applicable use restrictions ■ Any improvements, modifications or repairs that affect the soundness or structural integrity of the Manufactured Home must be completed prior to the sale of the Mortgage to Freddie Mac. Exception: This requirement does not apply when the Mortgage is secured by a Manufactured Home that is a CHOICERenovation® In Progress Mortgage or a CHOICEReno eXPress® Mortgage (pursuant to the terms defined in Section 4607.1). ■ Any structural modifications to an Existing Manufactured Home must be verified as approved by a licensed professional engineer or the local, State or federal authority.