Manufactured Housing & Manual Underwriting

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 & VA

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
702-486-5946

Josie Hatem
702-486-5983

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

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