All Manufactured Homes MUST meet the minimum requirements outlined below AND go before the Manufactured Home Review Committee for Final Approval.  

​

Minimums to be met for subsequent review by Manufactured Home Review Committee:  

• Newer than 1976 

• Must be a Double Wide  

• LTV CAP of 65% based off Appraisal ONLY (NO HVE)  

• Permanent Acceptable Foundation 

• Declared as REAL Property by County  

  • Must be completely habitable: Water, Power, Sewer in place and active.  COO 

• Manufactures Tag MUST be Attached and Visible  

• Structural Engineer Report to Verify Home was Affixed to Foundation Properly

• Manufactured Home MAY NOT Be on Lease Hold Property  

• Land MUST be Owned with NO Deed Restrictions 

  • Fee Simple  

• No Structural Modifications  

• NO Second Moves.  Original Site ONLY  

• Primary Residence ONLY 

• State of Idaho ONLY

 
Manufactured Home Review Committee: 

The Manufactured Home Review Committee will consist of the CEO, CLO, Senior Mortgage Loan Officer, and Lender who received the loan application from the Members. 
 

The Review Committee reserves the right to require additional information and has the final say in the loan approval exercising judgment in the best interest of the Credit Union. 

​

​