Editor’s note: This post covers a Freddie Mac underwriting update effective September 2, 2026. If you’re new to manufactured home financing generally, start with my Manufactured Home Financing Options in Washington State guide — this post covers one specific new eligibility path.
For years, one sentence could stop a manufactured home purchase or refinance in its tracks: “the home has been moved.” If a manufactured home had been installed at one location and later relocated to a different property, it was generally ineligible for conventional financing through Freddie Mac. [Read more…]
Six months ago, I published my 
Freddie Mac’s Bulletin 2026-1 brings a meaningful change for buyers and homeowners in the greater Seattle area. Starting with applications dated April 12, 2026, high balance conforming loans are no longer eligible under the Home Possible program. For homebuyers in King, Pierce, and Snohomish counties, this change directly affects your low-down-payment options on higher-priced homes.
