Manufactured Home Loans
For Manufactured Homes, JMAC offers Conforming, VA, VA IRRRL, FHA, FHA streamline, FMNA Guides, FHLMC Guides, HomeReady and HomePossible.
FICOs from 640
Must have AUS approval
No high-balance loan amounts
Allowable Manufactured Homes
Must be permanently affixed to the lot and considered real estate under state law
Doublewide or multi-wide
Must be constructed on or after 6.15.76. Must have one or more labels attached to the home.
Min. 600 square feet and min. 12-feet wide
SFR, No accessory unit
Cannot have been previously installed or occupied at another site
Towing hitch, wheels and axles removed
No new construction
No refinance of interim construction financing
Conforming Restrictions
Purchase and R/T max. at 95% LTV, Cash-Out at 65% LTV and max. 20-year term. No MFH Advantage Properties.