Original Loan Fha Reasons To Finance With Fha Streamline Loan HUD Requirements For Manufactured Home Foundations

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HUD Requirements For Manufactured Home Foundations

Are you looking to buy a manufactured “mobile” home and finance it with an FHA loan? Are you looking to refinance your current loan with an FHA loan? If you are, your home’s foundation must be reviewed by a licensed structural engineer to ensure it conforms to HUD requirements as directed by HUD Handbook 4930.3, “Permanent Foundation Guidelines for Manufactured Dwellings” and updated accordingly. Economic Recovery Act of 2008 (Enacted July 30, 2008). New homes must meet the requirements of HUD Handbook 4145.1, REV-2, titled CHG-1, “Architectural Processing and Inspection for Home Mortgage Insurance” and reported using Form HUD-92051, titled “Compliance Inspection Report.”

The foundation requirements posted by HUD are often more stringent than those required by local building codes. These requirements are intended to increase the impact strength of your home by increasing its ability to withstand strong winds and earthquakes, making it more resistant to moisture problems and reducing the chance of foundation settlement.

Below is a list of basic HUD foundation requirements:

• Piers should be supported by poured concrete footings or approved engineering foundations.

• If using concrete blocks (CMU) as piers, then piers should be either laid in Portland cement mortar or dry-stacked and coated with fiber reinforced surface bonding cement. Steel jack stands are an approved pier option if they are designed and printed by a licensed engineer.

• The chassis must be anchored to the footing (screw-in earth anchors are not permitted).

• Close the foundation with durable skirting. As of May 21, 2009, vinyl or metal skirting materials are permitted.

• Provide adequate ventilation in the crawl space area. 150 sq. ft. of crawl space floor area around the perimeter of the house requires 1 sq. ft. of net free area.

• The ground below the house should be covered with a polyethylene vapor barrier of a minimum thickness of 6 mils.

• All equipment (tongues, axles and wheels) used to transport the house must be removed from the site.

• All utilities must be permanently installed.

As you can see, the requirements are stricter than what is required by most building codes. I recommend contacting your local licensed structural engineer who can help you determine your home’s compliance and determine what steps are needed if your home’s foundation needs to be upgraded.

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