What is the difference between a manufactured home and a mobile home?
The term "mobile home" technically refers to factory-built homes constructed before June 15, 1976. After that date, HUD set mandatory federal construction and safety standards, and the homes built to those standards are called manufactured homes. The practical difference matters: pre-1976 homes are much harder to finance and generally do not qualify for mortgage programs. Most lenders and parks require a post-1976 HUD-code home.