Manufactured Home Guidelines for Kentucky FHA, Conventional and USDA, VA Mortgage Loans

Manufactured Home Options for Kentucky Homebuyers

Several manufactured homes for Kentucky conventional, FHA, VA and USDA programs.

Kentucky Conventional Mobile Home Loans

• Up to 95 LTV on purchases
• 97 LTV Rate and Term REFI options for with an existing Fannie Mae loan through MH Advantage 
• Purchase and rate and term options available for single wide, double wide and larger
• Cash-out options available for double-wide and larger
• Second home options available for double-wide and larger
• Down to 580 FICO

Kentucky FHA Mobile Home Loans

• Up to 96.5 LTV on purchases and 97.75 LTV on Rate and Term REFIs
• Cash-out REFI options up to 80 LTV
• Purchase, cash-out and Rate and Term REFI options available for single wide, double wide and larger
• Down to 550 FICO
• Manual underwrite options available
• Manufactured homes are now available on FHA 203(k) products!

Kentucky VA Mobile Home Loans

• Up to 100 LTV on purchases and Rate and Term REFIs
• Up to 105 LTV for streamlined IRRRLs
• Cash-out REFI options up to 90 LTV
• Cash-out REFI options up to 80 LTV
• Down to 550 FICO
• Manual underwrite options available

Kentucky USDA Mobile Home Loans

• Up to 100 LTV on purchases and Rate and Term REFIs
• Purchase and Rate and Term REFI options available for single wide, double wide and larger
• Existing manufactured homes are eligible in all 50 states as of May 5, 2025. The unit has to have been built within 20 years of your closing date, sit on a permanent foundation, never have been installed at another homesite, be at least 400 square feet, and still carry the HUD certification label and data plate with no post-factory alterations other than an engineered porch or deck. New units off a dealer lot stay eligible too.
• No USDA minimum FICO. USDA does not publish one. The GUS recommendation drives the file, and most lenders set 640 as their own overlay.
• Manual underwrite options available