HUD HOC Reference Guide

Manufactured Homes: Foundation Compliance

Chapter 1
Appraisal & Property Requirements
Page 1-09d

A. Eligibility & general requirements - Title II | B. Special state requirements | C. Age requirement
D. Foundation compliance | E. Site | F. Tags | G. Title I

D. Foundation Compliance

All foundation systems, new and existing, must meet the FHA guidelines in effect at the time of the certification. The current guidelines are published in the Permanent Foundations Guide for Manufactured Housing (HUD-4930.3G), dated September 1996. A certification attesting to compliance with this handbook must be obtained from a licensed professional engineer or registered architect. A copy of the certification must be included in the lenders loan file and the insuring binder when submitted to HUD/FHA.

    A. Certification attesting compliance with HUD’s PFGMH must be:
    1. completed by a licensed professional engineer or registered architect, who is licensed/registered in the state where the manufactured home is located;
    2. site specific and contain the engineer’s or registered architect’s signature, seal, and/or state license/certification number. In states where seals are issued, the seal must be on the certification.
    3. the foundation certification, showing that the foundation meets the guidelines published in the PFGMH that were in effect at the time of certification, is acceptable for future FHA loans, provided there are no alterations and/or observable damage to the foundation.

    B. The Certification on Foundation Compliance is not required in the loan file or insuring binder for:

    1. FHA to FHA refinance transactions provided that no modifications have been made to the foundation or structure from the date of the effective certification.
    2. FHA/HUD Real Estate Owned (REO) Division sales.

Permanent Foundations Guide for Manufactured Housing (HUD-4930.3G), and software can be ordered from HUDuser online or by calling (800) 245-2691.

For additional information on eligibility requirements for manufactured homes and foundation systems, see Mortgagee Letter 2009-16, HUD Handbook 4150.2 Chapter 8, and HUD Handbook 4155.2 Chapter 4.

 
Content Archived: October 25, 2012