FHA Manufactured Home Engineer Certification


FHA Manufactured Home Engineer Certification

All manufactured home permanent foundation systems must follow the FHA guidelines in effect at the time of the certification. The guidelines include submission of a certification from a licensed professional engineer, or registered architect, who is licensed/registered in the state where the manufactured home is located, attesting to compliance with the current guidelines.

An Engineer’s Certification on Foundation Compliance with the PFGMH must be:

  • completed by a licensed professional engineer or registered architect, who is licensed/registered in the state where the manufactured home is located
  • 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
  • contained in both the lender’s loan file and the insuring binder when submitted to FHA

An Engineer’s Certification on Foundation Compliance is not required in the loan file or insuring binder for:

  • Any FHA-to-FHA transaction provided that no modifications have been made to the foundation or structure from the date of the effective certification
  • FHA/HUD Real Estate Owned (REO) Division sales

FHA manufactured home engineer certification

A manufactured home is a structure that is transportable in one or more sections, and is designed and constructed to the Federal Manufactured Construction and Safety Standards and is so labeled. To be eligible for FHA mortgage insurance, all manufactured homes must comply with the following:

  • Must be a double-wide and have a floor area of not less than 400 square feet
  • Must be constructed after June 15, 1976, in conformance with the Federal Manufactured Home Construction and Safety Standards, as evidenced by an affixed certification label in accordance with 24 CFR 3280.11(manufactured homes produced prior to that date are ineligible for insured financing)
  • be classified as real estate (but need not be treated as real estate for purposes of state taxation)
  • the mortgage must cover both the manufactured unit and its site and shall have a term of not more than 30 years from the date amortization begins
  • built and remains on a permanent chassis
  • designed to be used as a dwelling with a permanent foundation built to FHA criteria
  • the finished grade elevation beneath the manufactured home or, if a basement is used, the grade beneath the basement floor shall be at or above the 100-year return frequency flood elevation

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www.MORTGAGE-WORLD.com LLC is an online mortgage company specializing in FHA loans for first time home buyers.


We look forward to working with you.

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FHA manufactured home engineer certification

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On January 20, 2010 FHA announced a policy change to address risk and strengthen finances. FHA changed the minimum credit scores for new borrowers:

  • New borrowers will now be required to have a minimum credit score of 580 to qualify for FHA's 3.5% down payment program
  • New borrowers with less than a 580 credit score will be required to put down at least 10%

Collection accounts

A collection is minor in nature usually does not need to be paid off as a condition for loan approval

Bankruptcy

Chapter 7 Bankruptcy at least two years must have elapsed since the discharge date

Foreclosure

Foreclosure must have been resolved for at least 3 years 

Short Sale

FHA guidelines requires three year past from the date of sale of the property


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