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HUD/FHA Manufactured Home Permanent Foundation Certification

A manufactured home is defined as a structure built on a permanent chassis, transportable in one or more sections that are no more than 8 feet wide and 40 feet long, or 320 square feet when erected on the site. It is designed to be used as a dwelling and contains plumbing, heating, air-conditioning, and electrical systems. The category does not include recreational vehicles (RVs), structures designed for temporary living, or modular homes.

Mortgages are available for the purchase of new or existing manufactured homes. Most mortgages written by a lender are almost certain to be insured by the Federal Housing Administration (FHA), a division of the U.S. Department of Housing and Urban Development (HUD).

As a condition of providing insurance, the FHA requires that the foundation for new homes be designed and sealed by a licensed, Professional Engineer. The design must comply with FHA guidelines. For existing homes, a licensed, Professional Engineer is required to certify that the foundation meets the FHA requirements.

A permanent foundation must be “constructed of durable materials (concrete, mortared masonry, and treated wood) and be site built. It shall have attachment points to anchor and stabilize the manufactured home to transfer all loads to underlying soil or rock. The permanent foundations shall be structurally developed in accordance with this document or be structurally designed by a licensed, Professional Engineer.” Although the design must comply with the manufacturer’s instructions, doing so does not guarantee that it complies with the HUD Guide

Criterium-Lalancette & Dudka Engineers provides design and certification services in Vermont and New Hampshire.

Loans funded by Fannie Mae or Freddie Mac

These loans only require certification on an engineer’s letterhead stating that the home is permanently affixed to a foundation system consistent with other homes of this type, is equipped with proper tie-downs, and has had the wheels, axels, and towing hitches removed.

For a quote or more information, simply call us (802) 747-4535 or request a quote online.