The Importance of a 433A for Manufactured Homes in California

If you’re considering buying a manufactured home in California, you’ve probably heard the term “433A” thrown around. But what exactly is a 433A, and why is it so important? In a nutshell, a 433A is a document that certifies a manufactured home has been installed on a permanent foundation and is legally considered real estate. Without a 433A, your manufactured home is considered personal property — more like a car than a house.

A 433A is essentially a form that’s filed with the California Department of Housing and Community Development (HCD). It’s a crucial piece of paperwork that can make or break your financing options. See, when you have a 433A, your manufactured home is officially recognized as real property. This opens up a whole world of financing options, including conventional mortgages, FHA loans, and VA loans. Without a 433A? You’re stuck with chattel loans, which are more like car loans than mortgages.

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