Move Ons

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Chapter 1
Appraisal and Property Requirements Unique Properties, Move Ons, Page 1-17e

1. This procedure applies only to stick built homes: Manufactured homes (mobile homes) are not eligible for FHA Insurance if they have moved. The only movement acceptable for manufactured homes is from the factory to the dealer and then to the site. Once there it must remain. It may be jacked up to have a permanent foundation installed. (See the section on Manufactured Housing.)

2. Homes moved without prior approval: A house which has been moved to a new foundation without prior HUD approval is to be treated in the same manner as proposed construction. That is, if it has been on the new foundation for less than one year, it would be eligible for only a low ratio loan; if it has been on the new foundation for more than a year, it should be treated as any other existing construction over a year old and be eligible for a high ratio loan.

If a house, covered by HUD insurance, is moved without prior approval, whether emergency or non-emergency, the move is made at the risk of the mortgagee. Any damage which may occur to the house during the move will be the responsibility of the mortgagee.

The 203(k) program is available to assist an applicant to move a house.  

Please see: HUD Handbook 4150.1 REV-1, Section 12-6

	Unique properties
	Shared lots with undivided interest
	Excess land
	Non residential use
	Move ons
	Forest and farm property tax deferral programs