Which type of housing does the points and fees threshold for manufactured housing apply to?

The points and fees threshold for manufactured housing specifically applies to non-real-estate-secured manufactured housing. This category typically includes manufactured homes that are not affixed to land and do not have the same legal status as traditional real estate. When a manufactured home is classified as personal property rather than real estate, it follows different regulations regarding points and fees, particularly in the context of mortgage lending.

Understanding this distinction is critical because lenders must adhere to specific regulations when dealing with manufactured housing loans that are not tied to real property. These regulations ensure that borrowers are protected from excessive fees and points that could be charged on such loans. Thus, the correct identification of the type of housing that falls under these regulations is essential for compliance and customer protection in lending practices.