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Manufactured Housing Opportunities for Growth

Check out this toolkit for the latest insights on the potential for manufactured housing to increase affordable housing supply.

Discover How Manufactured Homes Can Help Housing Address Affordability Challenges

Manufactured homes offer an attractive, energy-efficient, resilient housing option, yet compose only around 7.5% of existing and 9% of new U.S. homes. A major reason for the low percentage of placements: state and local zoning regulations, as well as persistent misperceptions that inhibit manufactured housing’s use. Learn more about manufactured housing and opportunities to expand its ability to help close the affordable housing gap with our in-depth research, insights, mortgage solutions and more.
 

Insights, Mortgage Solutions and Resources

Check out manufactured housing insights, webinars with subject-matter experts and mortgage solutions.

Could More Inclusive Zoning for Manufactured Homes Help Address the Current Housing Supply Gap?

If manufactured homes were more widely accepted, they could play a role in chipping away at the 3.8 million-unit housing, shrinking the affordability gap and promoting a more equitable housing landscape. A more inclusive approach could make that happen.

In The Zone: How Manufactured Housing Can Help Close the Supply Gap

Review this informative overview on the benefits of manufactured housing as an affordable housing solution.

Summary | COVID-19 and Loan Performance: A Focus on Manufactured Housing and Duty to Serve High-Needs Rural Regions

Read our summary on our quantitative analysis to assess the effect of the pandemic on manufactured home mortgage forbearances and delinquencies, and the effect on loan performance in Rural America.

Research | COVID-19 and Loan Performance: A Focus on Manufactured Housing and Duty to Serve High-Needs Rural Regions

Freddie Mac conducted a quantitative analysis to assess the effect of the pandemic on manufactured home mortgage forbearances and delinquencies, and the effect on loan performance in Rural America. Read the complete research.

Insights into Manufactured Housing Loan Performance: A Decade In Review

Freddie Mac prepared a report on loan performance of manufactured homes. The report includes an overview of the market for manufactured home loan originations and a description of manufactured home loan performance.

Manufactured Homeowners: Survey and Report on Loan Shopping Experiences

Read more about the manufactured housing market and the loan shopping experience of manufactured homeowners.

Fireside Chat: Manufactured Homes Bolster Affordable Housing Options

Watch Dennis Smith, Freddie Mac affordable lending manager, discuss benefits of manufactured housing and financing options, opportunities in the manufactured housing market and more.

Four Ways Manufactured Housing Can Help with Affordability Challenges

Manufactured housing may hold part of the answer to housing supply and affordability challenges. Find out how manufactured homes offer lenders and potential homebuyers with greater options and benefits.

Maximize Manufactured Housing Market Opportunities

Freddie Mac and Manufactured Housing Institute (MHI) discuss key insights from Freddie Mac's research on manufactured housing opportunities and the impact of inclusive zoning regulations.

Modern Manufactured Homes: What Lenders Need to Know

While there’s no single solution to the housing affordability crisis, a manufactured home is one path to homeownership that is often overlooked. And more homebuyers are beginning to see the potential of manufactured houses as an affordable housing alternative.

Next-Gen Manufactured Housing Requires a New Appraisal Approach

The shortage of affordable homes continues to lock out many potential homebuyers; modern manufactured housing and appraisers may hold a vital key.

ADUs Offer Promise as a Viable Affordable Housing Supply Solution

Addressing affordable housing challenges is top of mind for the industry. See how carriage houses or “granny flats” can provide more options and greater flexibility for homeowners and renters.

Manufactured Homes Mortgages

Requirements for manufactured homes are designed so that the mortgages we purchase are originated, underwritten and serviced to help borrowers buy homes they can afford and maintain.

CHOICEHome® Mortgage

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.

CHOICERenovation® Mortgage

CHOICERenovation® allows lenders to deliver loans to Freddie Mac where the borrower uses the loan proceeds to pay for the renovations.

CHOICEReno eXPress℠ Mortgage

CHOICEReno eXPress℠ is a streamlined renovation mortgage that enables you to offer an additional financing option for borrowers who are looking to finance smaller-scale home renovations.

GreenCHOICE Mortgages®

Our GreenCHOICE Mortgage® offering helps families facilitate the financing of energy efficient home improvements and energy efficient homes.

Home Possible®

The Freddie Mac Home Possible® mortgage offers more options and credit flexibilities than ever before to help your very low-to low-income borrowers attain the dream of owning a home with a down payment as low as 3%.

Refi Possible℠

Freddie Mac Refi Possible℠ mortgage offers lower-income borrowers with the opportunity to reduce their monthly mortgage expenses, enhance their capability to save more and build generational wealth through housing.

Duty to Serve

Making Affordable Homeownership Available to Every Single Family

CHOICEHome® Mortgage Offering Video

The next generation of factory-built housing with flexible financing, enhanced loan origination and high-quality options.

Manufactured Housing Overview

More than 22 million families are homeowners because of manufactured housing. Learn how it can be a great option for your clients.

Rural Housing Overview

Putting qualified borrowers in rural markets on the path to homeownership. We're finding innovative ways to leverage research and expand financing to increase access to affordable housing in rural communities nationwide.

Affordable Housing Preservation Overview

Yes, we need more affordable homes. But we also need to keep those we do have affordable, for initial and subsequent buyers and reduce housing cost. Affordable housing preservation helps us do that.