All foundation systems, new and existing, must meet the guidelines published in the Permanent Foundations Guide for Manufactured Housing, 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. It is applicable for all re-sales.
HUD-FHA Single Family Housing, Homeownership Center Reference Guide
Revised October 31, 2005 Chapter 1 Appraisal and Property Requirements Page 1-09d
The foundation must meet the criteria as set forth in HUD manual Permanent Foundations Guide for Manufactured Housing, September 1996. This manual requires a site specific design for every manufactured home.
Dead loads, snow loads, wind loads and seismic loads must all be taken into account.
There must be a perimeter, frost line protected strip foundation as well as frost line protected piers under the chassis.
The stacked blocks that the unit actually sits on must not only be mortared, they must be attached with rebar to the footing and bolted and/or welded to the chassis frame, unless there is an alternate, site specific engineered design (which HRES can provide and can save you hundreds to thousands of dollars).
The design must include protection against horizontal shearing forces and uplifting forces. This can require additional strapping between the stacked blocks.
Finally, it means that this design must be stamped by a licensed professional engineer verifying that HUD requirements are met.
It is very likely that no US government guaranteed loan will be approved for the home.
It also may not qualify for other conventional loans.
Even though the home may currently qualify with a lesser foundation, in the future it may be required to upgrade to HUD compliance to receive any loan.
The Homeowner may pay more in home insurance than necessary.
Different loans have different requirements for the foundation supporting the home. A minimal foundation can prevent your home from qualifying for a loan.
Most manufactured homes in the past were placed on grade and sat on dry stacked cinder blocks and often no particular problems were noted. These more recent requirements for manufactured home foundations are based on national experience from manufactured housing performance in hurricanes, tornadoes and earthquakes.
When the government mandates these standards be met nationwide (there are local variations in requirements), they must be met. It is not a matter of what is needed here to support a manufactured home, it is a matter of what is required to qualify for a loan.
Unfortunately, no. Your current foundation may be adequate for your current loan, but new requirements must be met in order for a new loan to be issued. If it qualified for a loan previously, it may not now without the foundation being upgraded, which can be extremely expensive. HRES can provide a lower cost solution for upgrading deficient foundations to meet current government standards.
That is a foundation that meets the requirements of HUD manual Permanent Foundations Guide for Manufactured Housing published September 1996. It also has an Engineering Certificate stamped by a licensed engineer certifying that it meets those requirements.
It depends on the foundation you are planning to use. Compared to the minimum, It is a much more substantial foundation, so, yes, it is more expensive. You could save some money by putting in a lesser foundation now (provided your loan allows you to do so), but, you could find yourself in the position that when you want to sell your house, no bank will loan money on it until it is upgraded to an HUD compliant foundation. That could require (1) lifting the house (and living somewhere else while this is done), (2) removing the existing foundation, and (3) installing an HUD compliant foundation.
Compare the extra cost of installing an HUD compliant foundation now with having to install it later. It will save you thousands of dollars to do it now!
These foundations are complicated and require an engineered design for each site and house. The stamped Engineer Certification is for your protection to ensure that these standards are met.
As long as they meet state and local regulatory requirements, any contractor who can read a blue print should be able to install an HUD compliant foundation.
Involving the engineer from the beginning will minimize the problems your contractor may incur in meeting HUD requirements.
Hayman Engineering Inc., works with individuals, dealers, contractors and bankers to help each manufactured home meet the requirements it needs to meet.
Have them contact HRES and we will design a foundation to meet your site requirements and answer any questions as he installs it.
You guys rock! Thanks so much for expediting. Now we are able to close today because of you.
Terri Duplantis - Sr. Loan Consultant
Mortgage Now, Inc.