1–17E – Move–Ons

See HUD Handbook 4150.1 REV–1, Section 12–6 for instructions.

Manufactured homes (mobile homes) are not eligible for FHA Insurance if they have moved.  The only movement acceptable for manufactured homes is from the factory to the dealer and then to the site.  Once there it must remain.  It may be jacked up to have a permanent foundation installed.  See the section on Manufactured Housing.)

A house which has been moved to a new foundation without prior HUD approval is to be treated in the same manner as proposed construction.  That is, if it has been on the new foundation for less than one year, it would be eligible for only a low ratio loan; if it has been on the new foundation for more than a year, it should be treated as any other existing construction over a year old and be eligible for a high ratio loan.

If a house, covered by HUD insurance, is moved without prior approval, whether emergency or non–emergency, the move is made at the risk of the mortgagee.  Any damage which may occur to the house during the move will be the responsibility of the mortgagee.

The 203(k) program is available to assist an applicant to move a house.

Hope this helps

Paula Nalley
Concord GA