{"id":8565,"date":"2019-10-13T20:35:39","date_gmt":"2019-10-14T00:35:39","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=8565"},"modified":"2020-12-29T02:22:14","modified_gmt":"2020-12-29T02:22:14","slug":"manufactured-home-foundation","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/manufactured-home-foundation\/","title":{"rendered":"Manufactured Home Foundation Inspection Requirements & Tips"},"content":{"rendered":"\r\n

Rising home prices make it tougher for buyers to find affordable housing. Although, manufactured homes provide a lower price option for today’s buyer. Fortunately, there are several manufactured home loans available for buyers and homeowners. But to obtain financing, a manufactured home foundation inspection must be performed. Why? Because lending agencies want to ensure the manufactured home is properly secured to the land. Usually, this is determined through a structural engineer foundation inspection. In this article we will show you the requirements for VA<\/a><\/strong>, FHA<\/a><\/strong>, and Fannie Mae<\/a><\/strong> foundation requirements and solutions!<\/p>\r\n\r\n\r\n\r\n

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Photo by\u00a0Mirko Blicke<\/a>\u00a0on\u00a0Unsplash<\/a><\/figcaption>\r\n<\/figure>\r\n<\/div>\r\n\r\n\r\n\r\n

FHA Manufactured Home Foundation Requirements<\/h2>\r\n\r\n\r\n\r\n

FHA loan guidelines<\/a><\/strong> are pretty detailed, but there are a few main points to know. Foremost, FHA requires a manufactured home foundation certification by a structural engineer or architect. Either must be licensed \/ registered in the state where the home is located. Assuming there are no alterations or damage to the foundation, a previous foundation certification for an FHA insured mortgage may be used instead of a new certification. As long as it met FHA guidelines at the time of the certification, it may be used.<\/p>\r\n\r\n\r\n\r\n

The Difference Between Modular & Manufactured Homes<\/a><\/div>\r\n\r\n\r\n\r\n

Manufactured Home Foundation Skirting Requirements<\/h3>\r\n\r\n\r\n\r\n

For existing homes, FHA says “the entire perimeter of the skirting must be permanently attached to backing made of concrete, masonry, treated wood or a product with similar strength and durability”. So, the skirting may be brick, concrete, vinyl, or other acceptable material. In the end, it is up to the inspector to decide if it meets HUD \/ FHA manufactured home foundation requirements.<\/p>\r\n\r\n\r\n\r\n

For new construction, it is a little different. FHA guidelines state, “The space beneath the house must be enclosed by a continuous foundation type construction designed to resist all forces to which it is subject without transmitting forces to the building superstructure. The enclosure must be adequately secured to the perimeter of the house and be constructed of materials that conform according, to HUD minimum property standards (such as concrete, masonry, or treated wood) and the PFGMH for foundations.”. PFGMH stands for the Permanent Foundation Guide for Manufactured Homes.<\/p>\r\n\r\n\r\n\r\n

Here’s the PFGMH Full Guidelines<\/a><\/div>\r\n\r\n\r\n\r\n

FHA Manufactured Home Loan Benefits<\/h3>\r\n\r\n\r\n\r\n