Freddie Mac Single-Family Seller/Servicer Guide 5703.2 — General requirements related to Manufactured Homes
Freddie Mac Single-Family Seller/Servicer Guide section 5703.2 — General requirements related to Manufactured Homes. Full verbatim section text, substring-verified against snapshot 5869ee9e606cd4ae.
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Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 5703.2 — General requirements related to Manufactured Homes — 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 Single-Family Seller/Servicer Guide 5703.2 — General requirements related to Manufactured Homes
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: ■ General requirements ■ HUD compliance and documentation requirements ■ Other types of factory-built housing (a) General requirements For Mortgages secured by Manufactured Homes, the following requirements apply: 1. 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 a 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 2. The Mortgaged Premises must: ■ Be zoned for residential use and not for commercial or business uses; and ■ Must conform to all applicable use restrictions 3. 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). 4. For Manufactured Homes with structural modifications, the following requirements apply: ■ 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 5. For Manufactured Homes that have been moved from another site, the Manufactured Home must: ■ Have been inspected to verify structural integrity by a licensed professional engineer or appropriate local, State or federal authority. The inspection report must be retained in the Mortgage file. ■ Not be located in a more restrictive wind, roof load and/or thermal zone than the zone for which the home was constructed (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.) ■ 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 Single-Family Seller/Servicer Guide 5703.2 — General requirements related to Manufactured Homes — PENDING VERSION, takes effect 2026-11-02
Not yet in force. This is the pending version of the section, which takes effect 2026-11-02. The other version on this page governs until then.
This section contains: ■ General requirements ■ HUD compliance and documentation requirements ■ Other types of factory-built housing (a) General requirements For Mortgages secured by Manufactured Homes, the following requirements apply: 1. 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 a 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 2. The Mortgaged Premises must: ■ Be zoned for residential use and not for commercial or business uses; and ■ Must conform to all applicable use restrictions 3. 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). 4. For Manufactured Homes with structural modifications, the following requirements apply: ■ 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 5. For Manufactured Homes that have been moved from another site, the Manufactured Home must: ■ Have been inspected to verify structural integrity by a licensed professional engineer, or appropriate local, State or federal authority. The inspection report must be retained in the Mortgage file. ■ Not be located in a more restrictive wind, roof load and/or thermal zone than the zone for which the home was constructed (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.) ■ 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 Traditional 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 Single-Family Seller/Servicer Guide 5703.2 — General requirements related to Manufactured Homes — PENDING VERSION, takes effect 2027-01-25
Not yet in force. This is the pending version of the section, which takes effect 2027-01-25. The other version on this page governs until then.
This section contains: ■ General requirements ■ HUD compliance and documentation requirements ■ Other types of factory-built housing (a) General requirements For Mortgages secured by Manufactured Homes, the following requirements apply: 1. 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 a 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 2. The Mortgaged Premises must: ■ Be zoned for residential use and not for commercial or business uses; and ■ Must conform to all applicable use restrictions 3. 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 as described in Section 4607.1(b) or a CHOICEReno eXPress® Mortgage when eligible renovations are completed after the Settlement Date as described in Sections 4606.1 and 4606.3(b)(ii). 4. For Manufactured Homes with structural modifications, the following requirements apply: ■ 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 5. For Manufactured Homes that have been moved from another site, the Manufactured Home must: ■ Have been inspected to verify structural integrity by a licensed professional engineer, or appropriate local, State or federal authority. The inspection report must be retained in the Mortgage file. ■ Not be located in a more restrictive wind, roof load and/or thermal zone than the zone for which the home was constructed (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.) ■ 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 Traditional 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.
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