source:
  type: guide
  id: hud-4000-1-iii-f-servicing-of-manufactured-home-lot-loans-and-combination-loa
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Servicing
    of Manufactured Home Lot Loans and Combination Loans (05/09/2022)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Servicing
    of Manufactured Home Lot Loans and Combination Loans (05/09/2022).
  coverage_tier: operative
obligations:
- id: hud-4000-1-iii-f-servicing-of-manufactured-home-lot-loans-and-combination-loa-full
  canonical_id: hud-4000-1-iii-f-servicing-of-manufactured-home-lot-loans-and-combination-loa-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Servicing
    of Manufactured Home Lot Loans and Combination Loans (05/09/2022)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part III — f. Servicing
      of Manufactured Home Lot Loans and Combination Loans (05/09/2022)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: 'f. Servicing of Manufactured Home Lot Loans and Combination
      Loans (05/09/2022) Servicing of Manufactured Home Lot Loans and Combination
      Loans are subject to the requirements for servicing Manufactured Home Loans
      with the following exceptions. Upon acceleration of the maturity on a Defaulted
      Manufactured Home Lot Loan or Combination Loan, the Lender must proceed against
      the loan security by foreclosure for Property classified as real estate (i.e.,
      the lot, and if applicable, the Manufactured Home), and repossess any Manufactured
      Home classified as Personal Property. Once the Lender obtains the Property through
      foreclosure and/or repossession if applicable, the Manufactured Home and lot
      securing a Combination Loan may be sold in a single transaction or separately,
      without prior approval from HUD. Claim Submission and Payment Claim submission
      and payment for Manufactured Home Lot Loans and Combination Loans are subject
      to the requirements stated in Title I Claims for Manufactured Homes and Property
      Disposition of Manufactured Homes. The Lender must submit the claim that includes
      the sum of the following amounts: • state or local real estate taxes, pro-rated
      to the date of disposition; • lot rents, pro-rated to the date of disposition
      of the Property; • municipal water and sewer fees, pro-rated to the date of
      disposition of the Property; • liens, pro-rated to the date of disposition of
      the Property; • special assessments that are noted on the loan application or
      become liens after the insurance is issued, pro-rated to the date of disposition
      of the Property; • premiums for hazard insurance on the Manufactured Home, pro-rated
      to the date of disposition of the Property; and • transfer taxes required by
      any state or local government. HUD may reimburse up to 90 percent of the claim
      submitted for Manufactured Home Lot Loans and Combination Loans. IV. CLAIMS
      AND DISPOSITION A. Title II Claims 1. Claim Submission Process Handbook 4000.1
      1568 Last Revised: 11/26/2025 IV. CLAIMS AND DISPOSITION A. TITLE II CLAIMS
      This section provides the standards and procedures applicable to the submission
      of claims for all Single Family (one- to four-units) Mortgages insured under
      Title II of the National Housing Act, except for Home Equity Conversion Mortgages
      (HECM). The Mortgagee must fully comply with all of the following standards
      and procedures when submitting a claim for Federal Housing Administration (FHA)
      mortgage insurance benefits. 1. Claim Submission Process'
  judgment: false
