Gray trailer home with stone foundation or skirting and shutters in front of a beautiful sky.
If you’re buying a modular, mobile, or manufactured home, you will need a foundation certification to obtain a mortgage and homeowners insurance.
We also highly recommend you get a home inspection and a WDO/termite inspection for your protection.
The FHA (which underwrites most mortgages for mobile, modular, or manufactured homes) requires the home have a permanent foundation that meets the HUD Standards established in 1976. You should know it is nearly impossible to obtain a mortgage on a mobile or manufactured home built prior to 1976. The FHA generally requires mobile/manufactured homes to meet the most recent 1996 standard.
Many buyers of manufactured homes are confused with the requirements for a HUD/FHA foundation certification. First, you should know the home is "certified" to the HUD 1996 Standard for a mortgage; it is not required to meet any state standards such as FAC 15C-1.0104 which establishes a standard for "installation" of a manufactured home. These standards may exceed those required by HUD but they are not required for an FHA mortgage and unless the home is located in a High Wind Velocity Zone (coastal area), they are not typically required for insurance.
If the manufactured home has an "addition" such as an "attached" porch, screen room, deck, or garage, the "addition" must also meet the HUD requirements for tie-down. Your insurance company will also require this certification or proof that the addition is not attached. The HUD/FHA foundation certification must be sealed by a Registered Professional Engineer or Architect.
Property360 provides foundation certifications throughout NE Florida including Duval County, St. Johns County, Clay County, Baker County, Columbia County, Union County, Alachua Country, Putnam County and Nassau County.
Customers may bundle the foundation certification with a home inspection or WDO/termite inspection to save money. Contact us at (904) 606-1570 to request an inspection today!
Let’s face it – AC systems are expensive to repair and replace but they are…
Buying or building a home in Baker County, Florida can be challenging. There is not…
Spring has arrived and Jacksonville homeowners should start preparing their homes for the summer storm…
The team at Property360 has come up with a list of our favorite tips and…
There are benefits to having your air ducts cleaned, although it depends on several underlying…
There are two primary reasons your insurance carrier may deny your claim: You declined the…