• The VA allows the purchase of manufactured homes with its loans.mobiles home 5 image by Marc Rigaud from Fotolia.com
  
  The U.S. Department of Veterans Affairs offers a number of services to reward military veterans for their service, including guaranteed loans for veterans to purchase homes. As of 2010, the loan guarantee covers as much as 95 percent of the price of your new home. If you're considering a VA-guaranteed loan to purchase a mobile (manufactured) home or vacation home, the regulations are somewhat different from those for a more traditional home.
  
  

Loan Eligibility

• In order to be eligible for a VA-guaranteed home loan, you must apply to receive a Certificate of Eligibility from the VA. This requires you to send the VA proof of your military service (such as a copy of your DD214) as well as VA Form 26-1880. You must then present this Certificate of Eligibility to the lender in order to apply for a VA-guaranteed loan. Not all lenders offer VA-guaranteed loans.
  
  

Definition of a Mobile Home

• A mobile home is single-family home that is transported in one or more pieces for the purpose of assembling it at the home site. It's not the same as a modular home, which is less complete when it arrives at the home site.
  
  

Regulations for a Mobile Home

• The VA requires that a single-wide mobile home be a minimum of 400 ft. square, while double-wides must be at least 700 ft. square to be eligible for a VA-guaranteed loan. All mobile homes must contain a kitchen, dining area, bathroom and bedroom as permanent parts of the structure.
  
  

Definition of a Vacation Home

• The VA regards the residence where you (and your spouse, if you're married) live most of the time as your primary residence. Any other home, including one where only one spouse lives, qualifies as a second home or vacation home.
  
  

Regulations for a Vacation Home

• By law, the VA can only guarantee loans for primary residences. This does not apply to residences for relatives other than your spouse.
  
  

Primary Residence Outside the U.S.

• VA-guaranteed loans only apply to homes within the United States. This includes lands belonging to the U.S., which are Puerto Rico, the Virgin Islands, Guam, the Northern Mariana Islands and the American Samoa. So, even if you want to build your primary residence in another country and the residence applies to all other VA regulations, you can't use a VA-guaranteed loan to purchase it.