Based on this and the idea of better safe than sorry and how easy it is to provide, i would provide it.
(4) Vacant land. Any loan secured by vacant or unimproved property, unless within two years from the date of the settlement of the loan, a structure or a manufactured home will be constructed or placed on the real property using the loan proceeds. If a loan for a structure or manufactured home to be placed on vacant or unimproved property will be secured by a lien on that property, the transaction is covered by this part.
I get that your loan isn't "placing" the mobile home on the property, but as i said, i would provide it...pretty easy to do so. Just my interpretation.
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I'm fixin' to fix that.