Modular homes qualify for FHA loans if they’re permanently installed, used as a primary residence, and meet local building codes. How to Buy a Modular Home with an FHA Loan, Without the Headaches Buying a modular home with an FHA loan is not only possible, it’s a smart move.  FHA loans offer low down payments and flexible credit rules, and modular homes that meet local codes and are permanently installed fully qualify. Here’s what matters most: The home must be classified as real estate, not personal property It must be your primary residence, not a vacation or rental The foundation must be permanent, certified, and code-compliant You’ll need a qualifying credit score, income stability, and manageable debt Title II loans are the go-to option for modular homes on owned land If you meet these criteria, FHA loans offer affordable, resilient homeownership, especially in storm-prone areas.  Success comes down to getting the details right from the start. And that’s exactly what this guide helps you do, walk through every step, avoid the common traps, and finish with confidence. What is an FHA Loan and How Does It Work An FHA loan is a type of mortgage that’s insured by the Federal