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A manufactured home is characterized as a structure that is transportable in one or more sections, constructed to meet Federal MHCSS (Manufactured Construction and Safety Standards), and is so labeled confirming the unit was built according to MHCSS. Follow below for steps to certifying a manufactured home.
Manufactured Home Definitions
Let’s go over some definitions you’ll encounter with your manufactured home. If something isn’t understood, or you would like additional information, please contact us below and we will answer your questions!
The connection between superstructure and foundation, utilizing welds, bolts, and various high gauge metal plates. The anchorage does not refer to any soil anchor.
A construction-permanent (CP) mortgage couples the features of a
construction loan (short-term loan for financing construction cost) and a traditional long-term permanent mortgage.
A manufactured home has been permanently installed on site for one year or more prior to the application date.
Exterior Foundation Wall:
A Foundation wall placed directly below the outside walls of the unit. These walls can be structurally used as bearing walls under both gravity loads and/or shear walls under perpendicular loads. If these walls aren’t used structurally, they are called non-bearing walls or skirt walls.
HUD Construction Code (Certification) Label:
Sometimes referred to as a HUD “tag” or “seal”, The Construction Code Label is red metallic with silver lettering. It is permanently attached to the rear exterior siding of each section that is transportable in accordance to HUD Title VI Regulations, June 15, 1976.
The appraised value of the unit by an FHA appraiser and land separately.
The manufactured home has been built on-site for under one year prior to the application date.
Permanent Foundations Guide for Manufactured Housing
Moving the manufactured home previously installed or occupied to another site or location.
Skirting describes a non-structural enclosure of a foundation crawl space. It is usually a lightweight material such as metal or vinyl, attached to the outside of the unit, extending to the ground.
Manufactured Home Property Eligibility
The steps to certifying a manufactured home include eligibility of the following:
• In general, a maximum of two acres allowed, or if appraisal reflects no more than 40% land value, up to five acres
• An appraisal must have three recently closed-like comparables and a second appraisal may be required at the underwriter’s discretion
• Manufactured Housing PUD units and Manufactured Housing Condo eligible
Manufactured home located in Flood Zones V and A are not eligible without one of the following documentation:
• LOMA (FEMA Letter of Map Amendment) that removes the property from the SFHA
• LOMR (FEMA Letter of Map Revision) that removes the property from the SFHA
• Recent Elevation Certification by a licensed engineer or surveyor showing that the grade beneath the home is at or above the 100-year flood zone elevation and appropriate flood insurance is obtained
Contact us below for any further questions.