FHA/VA Foundation Requirements
To obtain an FHA or VA insured loan on a manufactured home (including Reverse Mortgage and Refinancing) a structural engineer must certify that the foundation meets the HUD guidelines specified in…The Permanent Foundation Guidelines for Manufactured Homes (Sept.1996). These guidelines help to establish a national standard of consistency regarding manufactured home installation.
Manufactured/mobile homes must meet national standards regarding all construction aspects before leaving the factory. However, installation standards vary from state to state. Additionally, manufactured homes are unique in that they can either be titled as "personal" property or "real" property. In Arizona, the classification of "personal" or "real" property is determined by how the property is taxed. Since the state/county requirements vary, the structural engineer certification letter helps to provide national consistency.
If a structural engineer cannot certify the foundation of an existing manufactured home as meeting the guidelines, then Manufactured Tie-Downs can provide approved engineered foundation systems that can be retrofitted in combination with the existing structural components. Manufactured Tie-Downs can provide both the necessary retrofits and can assist in the engineering certification process.
In addition to the Engineer's Certification that the home is on a permanent foundation, the following are other requirements that must be met:
To be acceptable for FHA/VA financing, a manufactured home dwelling must: