You are here: Home arrow Homeowner / Borrower arrow FHA/VA Compliance

FHA & Reverse Mortgage Loan Compliance

FHA-insured loans (which include Reverse Mortgages) require that the manufactured home's foundation comply with the HUD publication, PERMANENT FOUNDATION GUIDE FOR MANUFACTURED HOMES, dated 1996. In addition to the local jurisdiction and state requirements for attachment or affixation, lenders and underwriters generally require the additional evaluation and certification of a licensed structural engineer.  This is different than the engineered drawings provided by the manufacturer or the drawing presented to the building department for installation!   We have a nationwide network of engineers to provide a prompt and professional certification.   If the home does not comply for any reason, we have a nationwide pool of contractors to retrofit the manufactured home's understructure so the home will comply with snow, wind, seismic or roof load calculations as determined by the engineer.   Generally these costs can be rolled into the loan or paid through closing.

Manufactured Homes in Condominium Parks

Good News!   One of the more restrictive limitations on the financing of manufactured homes had been FHA's exclusion of manufactured homes in condominium parks. This had been especially restrictive in California and Florida where there are a large number of high quality park developments, with homes that would normally qualify for FHA-insured or secondary market financing. Most parks with a condominium classification were originally rental parks that have since been converted to resident owned developments. Fortunately, this exclusion no longer exists as long as the park has been HUD-approved. For a complete list of HUD-approved parks, click here

Certifications or Retrofit Requests

Retrofit- FHA/VA/Reserve mortgage

Please fill in the form details below
Borrower name :
Borrower Address :
Borrower Phone :
Contact Person :
Contact Person Address :
Contact Person FAX :
Lender Name :
Escrow Name :
Send estimate to Home Owner :
send estimate to Home Lender :
Engineer's Certificate Needed? :
Yes No
Comments :
Payment Terms :
Upon Job Completion
Close Of Escrow(COE)
Repair Set Aside
Add Unit Details :
Security Code :


Service Now

Homeowner Borrower

Lendors Realtors

Manufactured Home Lending Checklist

Lawyers Title

Request An Appraiser

General Help

only search On The Level

For Sale By Us

Read Our Blog