LENDERS AND REALTOR INFORMATION:

Nationwide: Engineer's Certification For HUD Compliance

One of the most commonly requested documents by realtors, loan officers, processors and underwriters is a site-specific certification report by a Professional Engineer certifying that a manufactured home's foundation meets the requirements set forth in HUD's Permanent Foundations Guide For Manufactured Housing(HUD-7584), dated September 1996. By site specific, this means that the home is individually identified by situs location and HUD label numbers. Along with the foundation, it is also generally required that the report include any modifications, alterations and additions and specify whether these changes impact the structural integrity of the home.

In some cases if the data compliance plate is missing from the interior of the home, the Engineer may also need to specify that the Wind, Roof Load and Thermal Zones meet the minimum HUD requirements for the location of the subject property.

MH-Processing offers a management network of engineers, specializing in manufactured housing and knowledgeable about the HUD Permanent Foundation Guide.

California: 433A's Or Curative Title

If you are dealing with a California loan product, whether it is conventional, VA or FHA, the first order of business is to determine if the home has a recorded 433A (this is the HCD Document referring to Statute 18551 stating that the home has been installed on a permanent foundation) on the property. This will be a requirement for ALTA 7 title insurance as well as most lending underwriting conditions Additionally, as mentioned above, on FHA-insured loans and some VA loans, the lender will require a HUD foundation certification.

If you are a lender or realtor working with a manufactured home, we are happy to help you research the 433A and if there is not a recorded 433A on the property, we can work with the appropriate contractor to retrofit the home, so a 433A can be recorded. In some cases, the local building jurisdiction has simply not properly filed the 433A and we can expedite the appropriate research.

For information or a request for cert or 433A, fill out our Request For Service or email us below: