HUD Labels certify that the home was built to HUD guidelines effective June 15th, 1976. Manufactured homes built in model year 1977 and newer, comply with these guidelines. Some manufactured homes built in late 1976 also comply.
FHA, VA, and Conventional loans all require that manufactured homes comply with this guideline. If the home was built before the effective date of the guideline, and never had a HUD Tag, then the home is not eligible for FHA, VA, or Conventional loans.