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CHOICEHome® Mortgage

The Next Generation of Factory-Built Housing

What is CHOICEHome?

CHOICEHome® is our innovative, affordable mortgage initiative that offers conventional site-built financing for real-property factory-built homes, that are built to the HUD Code and have the features of a site-built home. Factory-built houses, also referred to as "manufactured," "prefab," "modular" or "accessory dwelling units (ADU)," have come a long way in recent years. As this category continues to grow and evolve, Freddie Mac is committed to providing the education and resources for borrowers who may find it a relevant option for sustainable homeownership.

CHOICEHome® Mortgages

If a manufactured home meets certain specifications, it is granted CHOICEHome certification and is eligible for CHOICEHome financing. Plus, in appraising these homes, we'll permit the use of site-built homes as comparable sales when there are no CHOICEHome sales available.

CHOICEHome Features

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Roof and Eaves

Minimum roof pitch of 4/12, with 4” eaves.

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The permanent foundation must meet HUD’s Permanent Foundation Guide for Manufactured Housing. It must be engineer designed and certified for the specific dwelling and site and; include a perimeter mortared masonry blocking wall set on a poured perimeter footer.

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Designed with a low-profile/residential set finished floor set; The elevation should not exceed 30 inches from bottom of the first-floor joist to the exterior grade for the front or entry (This is an installation standard, not a manufacturing requirement). Site topography or other considerations may affect actual placement and will not disqualify the property from its CHOICEHome classification.

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Design Features

Must include at least two of the following features: Attached/Detached garage or carport; Dormers; Covered Porch.

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Siding materials may be any of the following materials: vinyl; fiber cement; stucco; engineered wood siding; hardwood siding; brick; synthetic stone.

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Drywall finishes throughout with upgraded finishes optional. Bath and kitchen cabinetry with solid wood or veneer wood fronts (No paper-wrapped cabinet doors or stiles). Showers and Tubs must be acrylic, composite, enamel/porcelain coated-steel, fiberglass, solid surface, or tile.

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Minimum Energy Efficiencies

Each CHOICEHome must be built to exceed current HUD energy-efficiency requirements for the property location. The dwelling must have: Minimum insulation values of 33 (ceiling), 11 (wall), and 22 (floor); Low-E windows; A programmable thermostat.

Additional Resources