CHOICEHome® is our innovative, affordable mortgage initiative, offering 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. When a factory-built home meets certain prescribed specifications, it is granted CHOICEHome certification and is eligible for CHOICEHome financing.

If you are originating mortgages secured by manufactured homes, please see our requirements in the Single-FamilySeller/Servicer Guide (Guide) Section 5703.16.

CHOICEHome mortgages secured by manufactured homes help you take advantage of additional options and flexibilities to finance factory-built housing and bring more borrowers to the table. You also have the benefit of site-built underwriting and collateral flexibilities and expanded lending opportunities to borrowers with moderate-incomes.

New Manufactured Home Community: Kilpatrick Woods

Freddie Mac partnered with developer EquityPlus, nonprofit social enterprise Next Step®, Fortis Construction, and Triad Financial Services to expand housing opportunities for working families and those attracted by its job opportunities in Hagerstown, Maryland — with Kilpatrick Woods. Our CHOICEHome® offering for CrossMod homes provides expanded access to financing for homes like those of Kilpatrick Woods.

Read More: Addressing the Housing Needs of a Growing Workforce with Manufactured Homes

Visit the Kilpatrick Woods website for more information and to stay apprised of the community's progress.