Mobile Home Certificate

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A mortgage-backed security guaranteed by the Government National Mortgage Association (Ginnie Mae). It is backed exclusively by mortgages on mobile homes and trailers. Because these homes are less expensive than permanent homes and consequently have shorter mortgage payback periods, the maturity of a mobile home certificate is almost always shorter than other mortgage-backed securities. They derive their interest payments from the timely payment of interest and principal on the mortgages that back them.

mobile home certificate

A security issued by Ginnie Mae that is secured by mortgages on mobile homes. Mobile home certificates pass through interest payments and principal repayments to investors.

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