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Manufactured Homes: Foundation Certification & Up

Manufactured Homes: The Foundation Certificate

 

There are a number of factors to consider when purchasing or re-financing your Manufactured Home.  As usual, the best place to start is the beginning which is:

What is a Manufactured Home?

To be considered a manufactured home it must have been built completely off-site in a controlled environment under U.S. Department of Housing and Urban development (HUD) regulations.  The home is then delivered to a permanent home site where it is installed on a foundation and this foundation must be Certified  and meet the strict HUD requirements.

To determine if your foundation complies with HUD Guidelines, you must obtain a foundation certification.

What is a Foundation Certification?

A foundation certification is performed by an engineer that will specify that the foundation complies with the HUD Permanent Foundation Code for Manufactured Homes (HUD 7584).

Why Do I Have to get a Foundation Certification?

The short answer is because the lending companies require it.  They have to be satisfied that the foundation can support the home in extreme weather conditions and that it meets today’s higher standards.

Why a Professional Engineer?

According to HUD, “All foundation systems, new and existing, must meet the guidelines published in the Permanent Foundations Guide for Manufactured Housing, (HUD-7584), dated September 1996. A certification attesting to compliance with this handbook must be obtained from a licensed professional engineer and included in the insuring file.”

Is our foundation built on sand or on stone?  This is determined by a professional licensed engineer who ensures the foundation meets the requirements to provide for the safety, health of the owners but also protects the general public.

 

 

 

November 19, 2014 by · Leave a Comment

About Patrick

My name is Pat and I have been a member of Signature Home Loans since 1993. I have experience in all facets of the mortgage industry including Manufactured Homes, Conventional, FHA Mortgages, VA Mortgages, Jumbo Loans, Investor Loans, Reverse Mortgages and Second Mortgage Loans.

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