Freddie Mac Single-Family Seller/Servicer Guide 5703.1 — Mortgages secured by Manufactured Homes
Freddie Mac Guide §5703.1 (Mortgages secured by Manufactured Homes). Gap-fill (verbatim, ID-diff).
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Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 5703.1 — Mortgages secured by 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 5703.1 — Mortgages secured by 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. Mortgages secured by Manufactured Homes are eligible for sale to Freddie Mac under the terms of the Guide and this chapter. This section contains requirements related to: ■ Overview ■ Defined terms (a) Overview Negotiated underwriting provisions in the Seller’s Purchase Documents cannot be used with Mortgages secured by Manufactured Homes unless the negotiated underwriting provision is specifically made applicable to Mortgages secured by Manufactured Homes. (b) Defined terms As used in this chapter, the following terms have the meanings ascribed to them below: Defined terms E Existing Manufactured Home A Manufactured Home that is permanently affixed to its foundation as of the Application Received Date, regardless of current or previous occupancy. H HUD Codes A series of regulations that establish requirements for Manufactured Homes in compliance with the National Manufactured Home Construction and Safety Standards (MHCSS) Act of 1974, 42 U.S.C. 5401-5426. The codes are administered by HUD and include, but are not limited to: ■ Manufactured Home Construction and Safety Standards (MHCSS; 24 C.F.R. Part 3280) ■ Manufactured Home Procedural and Enforcement Regulations (24 C.F.R. Part 3282) ■ Model Manufactured Home Installation Standards (MIS; 24 C.F.R. Part 3285 or 3286) ■ Other codes incorporated by reference, (e.g., FEMA 85, Manufactured Home Installation in Flood Hazard Areas) HUD Certification Label A metal plate affixed to the exterior of each transportable section of the Manufactured Home. The HUD certification number appears on each HUD Certification Label and evidences compliance with the Federal Manufactured Home Construction and Safety Standards. HUD Data Plate A paper label mounted in the Manufactured Home that contains, among other things, the manufacturer’s name, trade/model name, year manufactured and serial number, a list of the HUD Certification Label number(s), etc. The HUD Data Plate is typically affixed in a readily accessible and visible location (e.g., near the main electrical panel, in a kitchen cabinet, in a bedroom closet). N New Manufactured Home A Manufactured Home that is purchased directly from a retailer or a developer, has never been occupied and has never been affixed to a permanent foundation on another site.
Freddie Mac Single-Family Seller/Servicer Guide 5703.1 — Mortgages secured by 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.
(Future effective date 11/02/26) Mortgages secured by Manufactured Homes are eligible for sale to Freddie Mac under the terms of the Guide and this chapter. This section contains requirements related to: ■ Overview ■ Defined terms (a) Overview Negotiated underwriting provisions in the Seller’s Purchase Documents cannot be used with Mortgages secured by Manufactured Homes unless the negotiated underwriting provision is specifically made applicable to Mortgages secured by Manufactured Homes. (b) Defined terms As used in this chapter, the following terms have the meanings ascribed to them below: Defined terms E Existing Manufactured Home A Manufactured Home that is permanently affixed to its foundation as of the Application Received Date, regardless of current or previous occupancy. H HUD Codes A series of regulations that establish requirements for Manufactured Homes in compliance with the National Manufactured Home Construction and Safety Standards (MHCSS) Act of 1974, 42 U.S.C. 5401-5426. The codes are administered by HUD and include, but are not limited to: ■ Manufactured Home Construction and Safety Standards (MHCSS; 24 C.F.R. Part 3280) ■ Manufactured Home Procedural and Enforcement Regulations (24 C.F.R. Part 3282) ■ Model Manufactured Home Installation Standards (MIS; 24 C.F.R. Part 3285 or 3286) ■ Other codes incorporated by reference, (e.g., FEMA 85, Manufactured Home Installation in Flood Hazard Areas) HUD Certification Label A metal plate affixed to the exterior of each transportable section of the Manufactured Home. The HUD certification number appears on each HUD Certification Label and evidences compliance with the Federal Manufactured Home Construction and Safety Standards. HUD Data Plate A paper label mounted in the Manufactured Home that contains, among other things, the manufacturer’s name, trade/model name, date of manufacture and serial number, a list of the HUD Certification Label number(s), etc. The HUD Data Plate is typically affixed in a readily accessible and visible location (e.g., near the main electrical panel, in a kitchen cabinet, in a bedroom closet). N New Manufactured Home A Manufactured Home that is purchased directly from a retailer or a developer, has never been occupied and has never been affixed to a permanent foundation on another site.
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