Is a manufactured home eligible if the HUD certification label is missing?

The HUD Certification Label, also known as a HUD seal or HUD tag, refers to a two inch by four inch aluminum plate permanently attached to manufactured housing.  Manufactured homes must have an affixed HUD Certification Label located at one end of each section of the house, approximately one foot up from the floor and one foot in from the road side, or as near that location on a permanent part of the exterior of the house as practicable.

Etched on the HUD Certification Label is the certification label number, also referred to as the HUD label number. Label numbers are not required to be sequential on a multi-section house. 

If the appraisal indicates the HUD Certification Label is missing from the manufactured housing unit, the mortgagee must obtain label verification from the Institute for Building Technology and Safety (IBTS) at https://www.ibts.org/what-we-do/manufactured-homes/verification-letter-certificate/ 

For more information see Handbook 4000.1 II.A.1.b.iv.(B)(5)(c)(i) and II.D.5.f. available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh


All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.


Topic Number: KA-04978