Selling Guide

Published April 07, 2021

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B5-2-04, Manufactured Housing Pricing, Mortgage Insurance, and Loan Delivery Requirements (12/16/2020)

Introduction

This topic contains information about manufactured housing, including:


Loan-Level Price Adjustments

An LLPA applies to all mortgages secured by manufactured homes that do not meet the MH Advantage requirements, whether delivered to Fannie Mae for whole loan purchase or MBS issuance. These LLPAs are in addition to any other price adjustments that are otherwise applicable to the particular transaction. For the current LLPAs, see the Loan-Level Price Adjustment (LLPA) Matrix.


Mortgage Insurance

For mortgage insurance coverage requirements, see B7-1-02, Mortgage Insurance Coverage Requirements.


Loan Delivery Requirements

The following table describes the requirements for delivery of certain data elements that are applicable to manufactured homes.

Manufactured Home Type Construction Method Type (Sort ID 51) Manufactured Home Width Type (Sort ID 33) Special Feature Code(s)
Single-width Manufactured SingleWide 235 and 791
Multi-width MultiWide 235
MH Advantage MultiWide 235 and 859

Note: These special feature codes are in addition to any other special feature codes that may apply.

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