VA Form 26-8149: Manufactured Home & Lot Loan Report – VA Form 26-8149, titled Report of Automatic Manufactured Home and/or Lot Loan, is a key document used in the VA home loan program. Lenders authorized to make manufactured home and/or lot loans on an automatic basis complete and submit this form to report loan details to the Department of Veterans Affairs (VA).
This form helps the VA track and guarantee loans for veterans purchasing manufactured homes, lots, or a combination, ensuring compliance with VA regulations under Title 38, United States Code. The current revision date is May 2006, and it remains the active form for these transactions.
Download the official VA Form 26-8149 here: VA Form 26-8149 PDF (Direct from VA.gov).
Who Uses VA Form 26-8149 and Why?
Lenders use this form primarily for automatic VA loans involving manufactured (mobile) homes and/or land lots. Veterans do not fill out the entire form themselves—the lender prepares most sections, while the veteran completes certifications in Section III.
Key purposes include:
- Reporting loan purpose, terms, security, and disbursement details.
- Certifying compliance with VA rules on occupancy, value, and fees.
- Requesting issuance of the loan guaranty.
It applies to:
- New or used manufactured home units.
- Lot purchases (developed or undeveloped).
- Combination loans (home + lot).
- Necessary site preparation.
VA Loans for Manufactured Homes: Key Eligibility Requirements
VA loans support manufactured homes that meet strict standards, making homeownership more accessible for veterans.
To qualify:
- The home must be built on or after June 15, 1976, and comply with HUD Code standards (HUD label/data plate required).
- It must be permanently affixed to a foundation and classified as real property (not personal property/chattel).
- Minimum dimensions: Single-wide (10+ feet wide, 400+ sq ft); Double-wide (20+ feet wide, 700+ sq ft when assembled).
- Must meet VA Minimum Property Requirements (MPRs), local building codes, and appraisal standards.
- For lot-only loans, the veteran must intend to place a qualifying manufactured home on it.
Note: Standalone personal property (chattel) loans for manufactured homes without land have different (more limited) rules and are less common under standard VA purchase programs. Title II real estate loans are preferred when the home and land are treated as one.
How to Complete and Submit VA Form 26-8149?
General Instructions (from the form):
- Lenders must complete the report in full and submit the original to the VA Regional Office or Center with jurisdiction over the property location.
- Submit within 60 days of the loan closing.
Main Sections of the Form:
Section I – Purpose, Terms, and Security for Loan
- Loan purpose (new/used unit, lot, site prep).
- Loan amount, interest rate, terms, monthly payments.
- Manufactured home description (manufacturer, model, serial #, size).
- Property location and security instrument details (chattel mortgage, etc.).
- Taxes, insurance, and lien information.
Section II – Statement of Loan Disbursement, Cash and Other Credits
- Breaks down costs: home/unit, lot, site prep, allowable fees/charges, closing costs, prepaid items.
- Calculates the final loan amount after credits.
Section III – Veteran’s Certifications
- Veteran must read and certify understanding of repayment obligations.
- Occupancy intent.
- Fair housing compliance.
- Cash payment for any excess over loan amount/reasonable value.
- Signed and dated on or after closing.
Section IV – Lender’s Certifications
- Lender certifies proper disbursement, installation, compliance with regulations, no excessive fees, etc.
Pro Tip: Always use the latest official PDF from VA.gov and follow all instructions carefully to avoid delays in guaranty processing.
Common Questions About VA Manufactured Home Loans
Can veterans buy a manufactured home with a VA loan?
Yes, provided it meets HUD, VA, and state real property requirements. Many veterans successfully finance affordable, energy-efficient manufactured homes this way.
What about buying land only?
Yes, via a lot loan if the veteran intends to place a qualifying manufactured home on it soon.
Are there special rules for used homes?
Yes—appraisals determine reasonable value, and veterans must cover any difference in cash. Additional inspections may apply.
Who should veterans contact?
Work with a VA-approved lender experienced in manufactured home loans. Check eligibility via VA.gov or a lender.
Benefits of Using VA Form 26-8149 in the Loan Process
- Streamlines automatic guaranty issuance for eligible lenders.
- Ensures transparency in costs and compliance.
- Protects veterans by documenting key certifications and obligations.
For the most current guidance, visit the official VA housing resources or consult a VA-approved lender. VA loan benefits, including no down payment and competitive rates, make manufactured home ownership a viable option for many veterans and service members across the USA.
Ready to proceed? Download the form: VA Form 26-8149 (PDF) and speak with a knowledgeable VA lender today.