What Is a HUD Bond?
A HUD bond (also called a HUD manufactured housing bond or HUD installer bond) is a federally required surety bond that ensures manufactured home installers, manufacturers, retailers, and related professionals comply with U.S. Department of Housing and Urban Development (HUD) regulations. This bond protects consumers and the federal government from financial loss caused by violations of HUD installation, construction, or safety standards.
A HUD bond protects the public from:
- Improper installation of manufactured homes
- Violations of HUD construction or safety codes
- Failure to meet HUD program requirements
- Financial harm caused by negligent or non‑compliant work
- Misrepresentation or failure to follow federal guidelines
If you install, manufacture, or retail manufactured homes, HUD may require this bond before granting approval or certification.
HUD Bond Amounts and Cost
HUD bond amounts vary based on the type of HUD certification and typically range from $10,000 to $100,000+, depending on:
- HUD program requirements
- Whether you are an installer, manufacturer, or retailer
- State‑specific HUD enforcement rules
- Business size and volume
Your premium depends on:
- Bond amount
- Credit score
- Business financials
- Licensing and compliance history
Most applicants qualify quickly with competitive rates.
Who Needs a HUD Bond
You may need a HUD bond if you operate as a:
- HUD‑certified manufactured home installer
- Manufactured housing manufacturer
- Manufactured home retailer or dealer
- HUD contractor or subcontractor
- Modular or mobile home service provider
- Professional working under HUD installation standards
Any business involved in the installation or production of manufactured homes may be required to file this bond.
HUD Bond Requirements & Eligibility
HUD typically requires:
- Completed HUD certification or installer application
- HUD‑mandated bond amount
- Credit review
- Business financials
- Annual or multi‑year renewal
Some states require additional HUD‑related bonds depending on local enforcement rules.
How the HUD Bond Process Works
1
Complete the Application
Submit the quick, 60‑second application with your business details.
2
Secure the Lowest Rate
We match you with the best rate available from A‑rated surety partners.
3
Receive your bond
Same‑day issuance available for immediate HUD filing.
Why Professionals Choose Us for HUD Bonds
- Lowest rates from A‑rated sureties
- Fast approvals, even for high‑risk applicants
- Digital delivery for immediate HUD submission
- HUD bond specialists
- 100% HUD compliance guaranteed
Top HUD Bond Questions Answered
Our most common questions answered efficiently.
Premiums vary based on the bond amount, credit, and HUD program requirements. Most applicants qualify for competitive rates.
Many HUD bonds are approved the same day, especially for installers and retailers.
It guarantees compliance with HUD installation and safety standards, protecting consumers and the federal government.
Once issued, bonds are generally non‑refundable.
Most do not, but large HUD manufacturer bonds may require financial documentation or collateral.
