VA Loans for Manufactured Homes That Have Been Moved More Than Once

When it comes to buying a home with a VA loan, most veterans know it’s an impressive benefit — zero down payment, no mortgage insurance, and flexible guidelines. When you start looking at manufactured homes, the process can get a little more tedious — especially if the home has been moved more than once (sometimes referred to as "twice-moved" homes).

Let’s break down what that really means, what the VA allows, and how to find out if a manufactured home that’s been relocated could still qualify for VA financing.

What Is a Manufactured Home?

A manufactured home is a factory-built home that meets strict federal construction standards set by HUD after 1976. Unlike a traditional site-built home, it’s designed to be transportable and built on a permanent steel chassis. Once delivered, it’s typically installed on a permanent foundation and connected to utilities just like any other home.

To qualify for VA financing, the home must be titled as real property — meaning the home and the land it sits on are legally considered one piece of real estate. When those conditions are met, a manufactured home can absolutely qualify for a VA loan.

The Standard Rule on Moved Homes: VA vs. FHA and USDA

When it comes to manufactured homes, FHA and USDA loan programs are very strict — they will not allow financing if the home has ever been moved after being placed on its original site. Once a home is installed and certified on its first permanent foundation, those programs require it to stay there.

The VA, however, takes a slightly more flexible approach. While VA guidelines are still cautious, the program doesn’t automatically disqualify a home that’s been moved more than once. If the home passes inspection, meets permanent foundation standards, and is titled as real property, select VA-approved lenders may still be willing to finance it.

Requirements to Determine Eligibility

A manufactured home that has been moved more than once isn’t automatically ineligible for a VA loan — it just requires a little extra verification. In many cases, a home can still qualify if it meets HUD’s permanent foundation standards, passes an engineer’s inspection, and shows no structural issues from relocation.

The VA also requires several key reports to confirm the property’s safety and functionality. These include a Water and Plumbing Systems Inspection Report, Electrical Systems Inspection Report, and Fuel and Heating Systems Inspection Report. In addition, there must be a certification that the roof was properly coated after the home was set up on its site.

These inspections help confirm that the home meets livability and safety standards — similar to what’s expected from a traditional single-family home inspection. Ultimately, while the VA allows the possibility, approval depends on the lender’s findings regarding the property’s history, foundation, and inspection results — which is why it’s important to work with an experienced loan officer who understands the ins and outs of this program. 

The Bottom Line

A manufactured home that’s been moved more than once might still be eligible for a VA loan — it just depends on the findings and the lender's abilities. That’s where X2 Mortgage comes in.

We specialize in unique and often overlooked loan scenarios, including VA loans for manufactured homes that have been relocated. Many lenders shy away from these properties simply because they don’t have the experience or flexibility to navigate the added requirements. Our team understands the specific VA guidelines, foundation standards, and inspection documentation needed to make these loans work.

At X2 Mortgage, our goal is simple: to make sure every veteran has access to the home financing they’ve earned, even if the property doesn’t fit the “traditional” box. From verifying the home’s move history to connecting you with qualified inspectors, X2 is here to make the process straightforward and stress-free.

If you’re a veteran interested in a manufactured home — even one that’s been moved before — let’s take a look at your options together and see what’s possible!