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Reverse Mortgage Guide

Can I Qualify for a Reverse Mortgage on a Manufactured Home?

Yes, some can. HUD lists manufactured homes built after June 1976 among eligible HECM property types, but the home and every borrower still have to meet the requirements, and the lender confirms whether your property qualifies.

Check Your Eligibility →Start an Application →
Published November 2, 2026NMLS #407536Equal Housing LenderCall (888) 272-8264
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The Short Answer

A manufactured home can qualify. The build date, labels and foundation come first.

Yes, some manufactured homes can qualify for an FHA-insured Home Equity Conversion Mortgage, or HECM. Both the property and the borrower have to meet the requirements; owning a manufactured home does not by itself rule you in or out.

HUD's counseling handbook lists manufactured homes built after June 1976 among eligible HECM property types. It lists as ineligible manufactured homes built before June 15, 1976, and manufactured homes lacking HUD certification labels and a foundation that meets HUD's permanent foundation requirement for manufactured homes.

Source: HUD Housing Counseling Handbook 7610.1, page 123

The lender confirms whether your specific home qualifies. HUD says clients must confirm the eligibility of their property with their lender, and neither this page nor a counseling session decides it.
Three Parts of the Review

The home, you and the ongoing charges are reviewed together.

The home

HUD rules out manufactured homes built before June 15, 1976, and those lacking HUD certification labels and a foundation meeting HUD's permanent foundation requirement. The lender checks your home against these rules.

You

Every borrower must be 62 or older, live in the home as a principal residence, receive counseling from a HUD-approved reverse mortgage counseling agency and owe no federal debt, such as federal income taxes.

Property charges

You must have enough of your own money, or agree to set aside part of the reverse mortgage funds at closing, to pay ongoing property charges such as taxes and insurance, plus maintenance and repairs.

How the Review Works

What the lender checks on a manufactured home, and what continues after closing.

The property questions come first, then the borrower requirements and the cost. Each answer follows HUD's or CFPB's published wording.

Which manufactured homes does HUD list as eligible?

HUD's eligible HECM property types include manufactured homes built after June 1976, along with single-family homes of one to four units, condominiums, properties in planned unit developments and townhouses. HUD notes that property-type rules can change over time and that clients must confirm their property's eligibility with their lender.

HUD Housing Counseling Handbook 7610.1, page 123 (published March 2026)

Why do the build date, labels and foundation matter?

HUD's list of ineligible HECM properties includes manufactured homes built before June 15, 1976, and manufactured homes lacking HUD certification labels and a foundation that meets HUD's permanent foundation requirement for manufactured homes. If you are not sure when your home was built, or whether its labels and foundation records still exist, raise that at the start of the review.

HUD Housing Counseling Handbook 7610.1, page 123 (published March 2026)

Does it matter whether I own the land?

HUD requires the property to be held in fee simple, or on a renewable leasehold lasting at least 99 years or not less than 50 years beyond the 100th birthday of the youngest borrower. If your home sits on leased land, tell the banker and have the lease ready so the lender can check its terms.

HUD Housing Counseling Handbook 7610.1, page 123 (published March 2026)

What do I have to meet as a borrower?

CFPB says a HECM is available only to homeowners 62 and older. The home must be your principal residence, where you live the majority of the year. You must own the home outright or have a low mortgage balance you can pay off when you close, using your own funds or money from the reverse mortgage. You cannot owe federal debt, the home must be in good shape, and you must receive counseling from a HUD-approved reverse mortgage counseling agency.

CFPB: Can anyone take out a reverse mortgage loan? (reviewed August 28, 2026)

Does the loan balance grow?

Yes. A reverse mortgage adds debt secured by your home. CFPB says the amount you owe grows over time because interest and other ongoing costs are added to the balance each month, and HUD's handbook describes reverse mortgages as rising-debt, falling-equity loans. Ask for written costs, borrow only what you need and discuss alternatives with your counselor.

CFPB: How much does a reverse mortgage loan cost? (reviewed May 28, 2024) · HUD Housing Counseling Handbook 7610.1, page 162 (published March 2026)

What continues after closing?

You must pay property taxes and homeowners insurance on time, keep the home well maintained and keep it as your principal residence, where you spend the majority of the year. If you do not meet these requirements, you could lose your home to foreclosure.

CFPB: Reverse mortgage borrower responsibilities (reviewed August 9, 2024)

Explore the Full Product

Understand the obligations before you choose.

The reverse mortgage overview covers costs, payout options, spouses and heirs. For the property side, read how HUD labels, land, title and foundations affect manufactured home financing. If your home still has a loan on it, read how a HECM pays off an existing mortgage, and discuss alternatives with your counselor.

Frequently Asked Questions

Questions to Bring to Your Review

Public Sources

Read the rules behind the answer.

Sources checked November 2, 2026. HUD's Housing Counseling Handbook 7610.1 (March 2026) sets out HECM property eligibility, including the manufactured-home build date, certification label, permanent foundation and land-tenure rules, and describes how the debt rises as equity falls; CFPB explains borrower eligibility, costs and continuing responsibilities in plain language. Texana's product page describes its initial credit review. Program requirements and the lender's review of your file determine eligibility.

Ask about your next step.

Send Texana Bank Mortgage a reverse mortgage inquiry and mention that the property is a manufactured home, so the conversation starts with the build date, labels, foundation and land. The initial review uses a soft credit inquiry. Bring the same questions to HUD counseling.

Check Your Eligibility →Start an Application →Call (888) 272-8264

General education about federal HECM rules; eligibility and availability require review. State law and lender requirements also apply. This page is education, not a commitment to lend. This material is not from HUD or FHA and has not been approved by HUD, FHA or any government agency. Subject to credit approval, appraisal and final underwriting. Texana Bank Mortgage, a division of Texana Bank, N.A. Equal Housing Lender. NMLS #407536.

Reviews

What borrowers say about Texana Bank

Real reviews from real borrowers, pulled live from our Google Business Profile.

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Bryan Corbin

Texana Bank helped me with the purchase of my third home, and honestly, the experience was the smoothest of all three home purchases. I only worked with Lynette, but she was friendly, helpful, and courteous at all times. She was extremely patient with me, and she took time to answer all my questions. Even more impressive is that the bank worked with me through a challenging employment situation. Never once was I made to feel bad about asking questions, and Lynette's responses were lightning fast. This was one of the best experiences I have ever had with any company, bar none. I highly recommend Texana Bank to anyone.

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Overdue but thanks again Adam, I appreciate you going above and beyond to make sure my family got our dream home. 10 stars.

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My experience with Lynette was the best and easiest experience it could’ve possibly been when being a first time home buyer. She’s very kind, communicative, reliable, and so much more! It made the whole process that much less stressful and overwhelming. So blessed to have had her on my side!

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