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Financing/Land Use

Traditional Homes: Financing and Land Use

Increasingly, acceptance of the quality construction standards of the factory-built housing industry is demonstrated by the availability of mortgage financing. This is provided through traditional lenders, as well as the Veteran’s Administration, the Federal Housing Administration (FHA), and the Farmers Home Administration (FmHA), which now finance factory-built homes along the same guidelines as site-built homes. Also, an increasing number of states have amended their land use enabling legislation to prohibit local governments from excluding HUD Code homes in many single family neighborhoods.