source:
  type: regulation
  id: fhlmc-5703.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes (01/26/26)
  description: "Freddie Mac Guide §5703.1 (Mortgages secured by Manufactured Homes). Gap-fill (verbatim, ID-diff).\
    \ \n"
obligations:
- id: fhlmc-5703.1-0
  canonical_id: fhlmc-5703.1-0
  section: Freddie Mac Guide 5703.1
  description: '5703.1 Mortgages secured by Manufactured Homes: (01/26/26) Refer to Bulletin 2025-7, which announced
    the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral
    Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026 version of this
    secti…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes
      (01/26/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '(01/26/26) Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal
      Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD
      3.6 before the mandatory effective November 2, 2026 version of this section. Mortgages secured by Manufactured
      Homes are eligible for sale to Freddie Mac under the terms of the Guide and this chapter. This section contains
      requirements related to: ■ Overview ■ Defined terms (a) Overview Negotiated underwriting provisions in the
      Seller’s Purchase Documents cannot be used with Mortgages secured by Manufactured Homes unless the negotiated
      underwriting provision is specifically made applicable to Mortgages secured by Manufactured Homes. (b) Defined
      terms As used in this chapter, the following terms have the meanings ascribed to them below: Defined terms
      E Existing Manufactured Home A Manufactured Home that is permanently affixed to its foundation as of the Application
      Received Date, regardless of current or previous occupancy. H HUD Codes A series of regulations that establish
      requirements for Manufactured Homes in compliance with the National Manufactured Home Construction and Safety
      Standards (MHCSS) Act of 1974, 42 U.S.C. 5401-5426.'
    drafter_attestation: Verbatim from Freddie Guide §5703.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.1-1
  canonical_id: fhlmc-5703.1-1
  section: Freddie Mac Guide 5703.1
  description: '5703.1 Mortgages secured by Manufactured Homes: 703-2 The codes are administered by HUD and include,
    but are not limited to: ■ Manufactured Home Construction and Safety Standards (MHCSS; 24 C.F.R. Part 3280) ■
    Manufactured Home Procedural and Enforcement Regulations (24 C.F.R. Part 3282) ■ Model Manufactured Home Installation
    …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes
      (01/26/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '703-2 The codes are administered by HUD and include, but are not limited to: ■ Manufactured
      Home Construction and Safety Standards (MHCSS; 24 C.F.R. Part 3280) ■ Manufactured Home Procedural and Enforcement
      Regulations (24 C.F.R. Part 3282) ■ Model Manufactured Home Installation Standards (MIS; 24 C.F.R. Part 3285
      or 3286) ■ Other codes incorporated by reference, (e.g., FEMA 85, Manufactured Home Installation in Flood
      Hazard Areas) HUD Certification Label A metal plate affixed to the exterior of each transportable section
      of the Manufactured Home. The HUD certification number appears on each HUD Certification Label and evidences
      compliance with the Federal Manufactured Home Construction and Safety Standards. HUD Data Plate A paper label
      mounted in the Manufactured Home that contains, among other things, the manufacturer’s name, trade/model name,
      year manufactured and serial number, a list of the HUD Certification Label number(s), etc. The HUD Data Plate
      is typically affixed in a readily accessible and visible location (e.g., near the main electrical panel, in
      a kitchen cabinet, in a bedroom closet). N New Manufactured Home A Manufactured Home that is purchased directly
      from a retailer or a developer, has never been occupied and has never been affixed to a permanent foundation
      on another site.'
    drafter_attestation: Verbatim from Freddie Guide §5703.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.1-2
  canonical_id: fhlmc-5703.1-2
  section: Freddie Mac Guide 5703.1
  description: '5703.1 Mortgages secured by Manufactured Homes: Mortgages secured by Manufactured Homes (Future
    effective date 11/02/26) Mortgages secured by Manufactured Homes are eligible for sale to Freddie Mac under
    the terms of the Guide and this chapter. This section contains requirements related to: ■ Overview ■ Defined
    terms (a) Overv…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes
      (01/26/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 'Mortgages secured by Manufactured Homes (Future effective date 11/02/26) Mortgages secured
      by Manufactured Homes are eligible for sale to Freddie Mac under the terms of the Guide and this chapter.
      This section contains requirements related to: ■ Overview ■ Defined terms (a) Overview Negotiated underwriting
      provisions in the Seller’s Purchase Documents cannot be used with Mortgages secured by Manufactured Homes
      unless the negotiated underwriting provision is specifically made applicable to Mortgages secured by Manufactured
      Homes. (b) Defined terms As used in this chapter, the following terms have the meanings ascribed to them below:
      Defined terms E Existing Manufactured Home A Manufactured Home that is permanently affixed to its foundation
      as of the Application Received Date, regardless of current or previous occupancy. H HUD Codes A series of
      regulations that establish requirements for Manufactured Homes in compliance with the National Manufactured
      Home Construction and Safety Standards (MHCSS) Act of 1974, 42 U.S.C. 5401-5426. The codes are administered
      by HUD and include, but are not limited to: ■ Manufactured Home Construction and Safety Standards (MHCSS;
      24 C.F.R. Part 3280) ■ Manufactured Home Procedural and Enforcement Regulations (24 C.F.R. Part 3282)'
    drafter_attestation: Verbatim from Freddie Guide §5703.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.1-3
  canonical_id: fhlmc-5703.1-3
  section: Freddie Mac Guide 5703.1
  description: '5703.1 Mortgages secured by Manufactured Homes: 703-4 ■ Model Manufactured Home Installation Standards
    (MIS; 24 C.F.R. Part 3285 or 3286) ■ Other codes incorporated by reference, (e.g., FEMA 85, Manufactured Home
    Installation in Flood Hazard Areas) HUD Certification Label A metal plate affixed to the exterior of each transport…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes
      (01/26/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 703-4 ■ Model Manufactured Home Installation Standards (MIS; 24 C.F.R. Part 3285 or 3286) ■
      Other codes incorporated by reference, (e.g., FEMA 85, Manufactured Home Installation in Flood Hazard Areas)
      HUD Certification Label A metal plate affixed to the exterior of each transportable section of the Manufactured
      Home. The HUD certification number appears on each HUD Certification Label and evidences compliance with the
      Federal Manufactured Home Construction and Safety Standards. HUD Data Plate A paper label mounted in the Manufactured
      Home that contains, among other things, the manufacturer’s name, trade/model name, date of manufacture and
      serial number, a list of the HUD Certification Label number(s), etc. The HUD Data Plate is typically affixed
      in a readily accessible and visible location (e.g., near the main electrical panel, in a kitchen cabinet,
      in a bedroom closet). N New Manufactured Home A Manufactured Home that is purchased directly from a retailer
      or a developer, has never been occupied and has never been affixed to a permanent foundation on another site.
    drafter_attestation: Verbatim from Freddie Guide §5703.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.1-4
  canonical_id: fhlmc-5703.1-4
  section: Freddie Mac Guide 5703.1
  description: '5703.1 Mortgages secured by Manufactured Homes: General requirements related to Manufactured Homes
    (02/09/26) Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal Dataset (UAD)
    3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD 3.6 before the
    mandato…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes
      (01/26/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 'General requirements related to Manufactured Homes (02/09/26) Refer to Bulletin 2025-7, which
      announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform
      Collateral Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026
      version of this section. This section contains:'
    drafter_attestation: Verbatim from Freddie Guide §5703.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.1-5
  canonical_id: fhlmc-5703.1-5
  section: Freddie Mac Guide 5703.1
  description: '5703.1 Mortgages secured by Manufactured Homes: 703-5 ■ General requirements ■ HUD compliance and
    documentation requirements ■ Other types of factory-built housing (a) General requirements For a Mortgage secured
    by a Manufactured Home to be eligible for sale to Freddie Mac, the Manufactured Home must: ■ Have been built
    on or a…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes
      (01/26/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '703-5 ■ General requirements ■ HUD compliance and documentation requirements ■ Other types
      of factory-built housing (a) General requirements For a Mortgage secured by a Manufactured Home to be eligible
      for sale to Freddie Mac, the Manufactured Home must: ■ Have been built on or after June 15, 1976 ■ Be built
      on a permanent chassis in compliance with the HUD Codes in effect as of the date the Manufactured Home was
      constructed ■ Be at least 12 feet wide and have at least 400 square feet of above-grade finished area. Exception:
      This requirement does not apply when the Manufactured Home is an ADU. (See Section 5601.2(d) for Manufactured
      Home ADU requirements.) ■ Have square footage and room dimensions that are acceptable to typical purchasers
      in the Market Area ■ Be permanently affixed to the original permanent foundation, in compliance with the HUD
      Codes. If the permanent foundation was installed prior to October 20, 2008, the foundation must be designed
      for the site conditions, home design features and loads the home was designed to withstand in accordance with
      the manufacturer’s instructions or with a design by a licensed (registered) professional engineer. ■ Have
      a foundation that meets all applicable local, State and federal codes ■ Have an anchoring system that complies
      with the HUD Codes. If the Manufactured Home was installed prior to October 20, 2008, the anchoring system
      must comply with the manufacturer’s design or with a design by a licensed (registered) professional engineer.
      Note: Anchoring systems refer to all components of the anchoring and support systems such as piers, footings,
      ties, anchoring equipment, anchoring assemblies and any other equipment, materials and methods of construction
      that support and secure the Manufactured Home to the ground. ■ Not have wheels, axles or towing hitches'
    drafter_attestation: Verbatim from Freddie Guide §5703.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.1-6
  canonical_id: fhlmc-5703.1-6
  section: Freddie Mac Guide 5703.1
  description: '5703.1 Mortgages secured by Manufactured Homes: 703-6 ■ Be permanently connected to utilities (e.g.,
    power, water, sewage disposal system) in compliance with the HUD Codes ■ The Mortgaged Premises must: ❑ Be zoned
    for residential use and not for commercial or business uses; and ❑ Must conform to all applicable use restrictions…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes
      (01/26/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '703-6 ■ Be permanently connected to utilities (e.g., power, water, sewage disposal system)
      in compliance with the HUD Codes ■ The Mortgaged Premises must: ❑ Be zoned for residential use and not for
      commercial or business uses; and ❑ Must conform to all applicable use restrictions ■ Any improvements, modifications
      or repairs that affect the safety, soundness or structural integrity of the Manufactured Home must be completed
      prior to the sale of the Mortgage to Freddie Mac. Exception: This requirement does not apply when the Mortgage
      is secured by a Manufactured Home that is a CHOICERenovation® In Progress Mortgage or a CHOICEReno eXPress®
      Mortgage (pursuant to the terms defined in Section 4607.1). ■ Any structural modifications to an Existing
      Manufactured Home must be verified as approved by a licensed professional engineer or the local, State or
      federal authority. If structural modifications or additions to a 1-unit dwelling result in any portion of
      the dwelling being classified as a Manufactured Home, the Mortgage secured by such property must meet the
      requirements of this Chapter 5703. ■ Not have been moved from its original site and was previously occupied
      or installed on a permanent foundation (b) HUD compliance and documentation requirements To evidence the Manufactured
      Home is built in compliance with the Federal Manufactured Home Construction and Safety Standards, the following
      must be met: ■ Existing Manufactured Homes: either the HUD Certification Label(s) or HUD Data Plate must be
      present and legible. For existing Manufactured Homes, Freddie Mac will accept as alternative documentation:
      ❑ A “HUD Label Verification Letter,” with the same information contained on the HUD Certification Label(s),
      from the Institute for Building Technology and Safety (IBTS) ❑ A Performance Verification Certificate (PVC)
      from the IBTS, or ❑ A copy of the HUD Data Plate from the In-Plant Primary Inspection Agency (IPIA) or manufacturer.
      (A list of IPIA offices is posted on HUD’s website.)'
    drafter_attestation: Verbatim from Freddie Guide §5703.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.1-7
  canonical_id: fhlmc-5703.1-7
  section: Freddie Mac Guide 5703.1
  description: '5703.1 Mortgages secured by Manufactured Homes: 703-7 ■ New Manufactured Homes: both the HUD Data
    Plate and HUD Certification Label(s) must be present and legible The HUD Data Plate section of the Manufactured
    Home Appraisal Report (Form 70B, Manufactured Home Appraisal Report) must be completed. (c) Other types of factory-bui…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes
      (01/26/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '703-7 ■ New Manufactured Homes: both the HUD Data Plate and HUD Certification Label(s) must
      be present and legible The HUD Data Plate section of the Manufactured Home Appraisal Report (Form 70B, Manufactured
      Home Appraisal Report) must be completed. (c) Other types of factory-built housing The Freddie Mac definition
      of Manufactured Homes excludes other types of factory-built housing that are not subject to the National Manufactured
      Home Construction and Safety Standards Act (e.g., modular or panelized housing). Mortgages secured by other
      types of factory-built housing are not required to comply with this Chapter 5703 and may be eligible for sale
      to Freddie Mac if the Mortgage otherwise complies with the Seller’s Purchase Documents.'
    drafter_attestation: Verbatim from Freddie Guide §5703.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.1-8
  canonical_id: fhlmc-5703.1-8
  section: Freddie Mac Guide 5703.1
  description: '5703.1 Mortgages secured by Manufactured Homes: General requirements related to Manufactured Homes
    (Future effective date 11/02/26) This section contains: ■ General requirements ■ HUD compliance and documentation
    requirements ■ Other types of factory-built housing (a) General requirements For a Mortgage secured by a Manufactur…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes
      (01/26/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 'General requirements related to Manufactured Homes (Future effective date 11/02/26) This section
      contains: ■ General requirements ■ HUD compliance and documentation requirements ■ Other types of factory-built
      housing (a) General requirements For a Mortgage secured by a Manufactured Home to be eligible for sale to
      Freddie Mac, the Manufactured Home must: ■ Have been built on or after June 15, 1976 ■ Be built on a permanent
      chassis in compliance with the HUD Codes in effect as of the date the Manufactured Home was constructed ■
      Be at least 12 feet wide and have at least 400 square feet of above-grade finished area. Exception: This requirement
      does not apply when the Manufactured Home is an ADU. (See Section 5601.2(d) for Manufactured Home ADU requirements.)'
    drafter_attestation: Verbatim from Freddie Guide §5703.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-5703.1-9
  canonical_id: fhlmc-5703.1-9
  section: Freddie Mac Guide 5703.1
  description: '5703.1 Mortgages secured by Manufactured Homes: 703-8 ■ Have square footage and room dimensions
    that are acceptable to typical purchasers in the Market Area ■ Be permanently affixed to the original permanent
    foundation, in compliance with the HUD Codes. If the permanent foundation was installed prior to October 20,
    2008, the f…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §5703.1 — Mortgages secured by Manufactured Homes
      (01/26/26)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '703-8 ■ Have square footage and room dimensions that are acceptable to typical purchasers
      in the Market Area ■ Be permanently affixed to the original permanent foundation, in compliance with the HUD
      Codes. If the permanent foundation was installed prior to October 20, 2008, the foundation must be designed
      for the site conditions, home design features and loads the home was designed to withstand in accordance with
      the manufacturer’s instructions or with a design by a licensed (registered) professional engineer. ■ Have
      a foundation that meets all applicable local, State and federal codes ■ Have an anchoring system that complies
      with the HUD Codes. If the Manufactured Home was installed prior to October 20, 2008, the anchoring system
      must comply with the manufacturer’s design or with a design by a licensed (registered) professional engineer.
      Note: Anchoring systems refer to all components of the anchoring and support systems such as piers, footings,
      ties, anchoring equipment, anchoring assemblies and any other equipment, materials and methods of construction
      that support and secure the Manufactured Home to the ground. ■ Not have wheels, axles or towing hitches ■
      Be permanently connected to utilities (e.g., power, water, sewage disposal system) in compliance with the
      HUD Codes ■ The Mortgaged Premises must: ❑ Be zoned for residential use and not for commercial or business
      uses; and ❑ Must conform to all applicable use restrictions ■ Any improvements, modifications or repairs that
      affect the soundness or structural integrity of the Manufactured Home must be completed prior to the sale
      of the Mortgage to Freddie Mac. Exception: This requirement does not apply when the Mortgage is secured by
      a Manufactured Home that is a CHOICERenovation® In Progress Mortgage or a CHOICEReno eXPress® Mortgage (pursuant
      to the terms defined in Section 4607.1). ■ Any structural modifications to an Existing Manufactured Home must
      be verified as approved by a licensed professional engineer or the local, State or federal authority.'
    drafter_attestation: Verbatim from Freddie Guide §5703.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
