• Lender Updates

Manufactured Housing & Manual Underwriting

November 22, 2019

Manufactured Housing Loans

Reminder: US Bank made the following changes to loans secured with manufactured homes:

  • Minimum credit score of 680

  • Maximum DTI is 45%

  • NO Manual Underwrites Allowed

Please note these changes affect all loans reserved September 2, 2019 or later.

Manual Underwriting

Effective immediately: US Bank has changed the manual underwriting guidelines for new loan reservations on both Conventional and Government loan products.


FHA, USDA and VA table

HFA Advantage - No manual underwriting for HFA Advantage

HFA Preferred - Fannie Mae HFA Preferred ONLY

Manual underwriting is not allowed on 2-4 unit properties


Nia Girma


Josie Hatem


Lastly, thanks for being you. (We just couldn’t pass up the opportunity to tell you how much we appreciate you.)

Please click here to see program guidelines