HUD-code manufactured home financing for homes built on or after June 15, 1976. Real-property and chattel options with FHA, VA, USDA, and conventional programs.
Susanne Bell, Loan Consultant
Empire Home Loans
Phone: (916) 802-8917
Email: [email protected]
NMLS# 2534795
Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.
HUD-code manufactured home financing for homes built on or after June 15, 1976. Real-property and chattel options with FHA, VA, USDA, and conventional programs.
LOAN PROGRAMS
HUD-Code Factory-Built Homes
Financing for HUD-code manufactured homes built on or after June 15, 1976. We classify title, land, and foundation first so the file is processed as real property or personal property from day one.
Manufactured homes are factory-built dwellings constructed to the HUD code on or after June 15, 1976. They are a different legal class from pre-HUD mobile homes and from site-built houses. That classification drives which investors, down payments, and property rules apply.
When the home is permanently affixed, titled as real estate, and sitting on land you own, we can often use FHA, VA, USDA, or conventional real-property programs. When it is titled as personal property or sited in a community, we process a chattel (home-only) loan instead.
Cutoff date: June 15, 1976. HUD certification label required.
Built before June 15, 1976? Use the Mobile Home loan program .
*Program eligibility depends on investor overlays. This is not a commitment to lend.
The classification fields below tell us whether this is a real-property or chattel file before we pull credit.
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