If you are trying to purchase or sell a manufactured home, you will almost
certainly be required to obtain what is called a Permanent Foundation
Certification. If you are a seller you should review your paperwork
from when you closed on the house. If you have a Permanent Foundation
Certification, you should get a copy to your buyer's loan officer. You
may simply be able to reuse it.
Very few sellers have a Permanent Foundation Certification for their
home. If you do not have a Permanent Foundation Certification
you will need to obtain one. Only Texas Registered Professional Engineers
can provide a Permanent Foundation Certification for your home.
Exactly what will be involved depends on the type of financing the buyer
obtains.
FHA Financing: Almost all manufactured homes will be purchased with an
FHA underwritten loan. These loans cannot be issued without a
certification from a Professional Structural Engineer that the foundation
complies with Appendices A, B, and C of HUD publication .
To put this in slightly simpler language, the Structural Engineer must audit
the foundation design and verify that the foundation anchorage is meets HUD
permanent foundation requirements. The most common problem we find is that
the only anchorage consists of ground anchors. Ground anchors have no
rated load capacity per HUD specifications.
If a foundation does not meet HUD permanent foundation anchorage
requirements, it can be retrofitted. This must be done before the loan can
be funded.
There usually are other issues the engineer must verify such as drainage,
skirting and structural appurtenances such as porches, decks, carports, garages,
etc.
Conventional Financing: Very few manufactured homes are purchased
with conventional financing. If a manufactured home is purchased with a
conventional loan, the loan will almost always be resold to Fannie
Mae. Fannie Mae will not purchase the loan unless a Permanent
Foundation Certification is provided. Fannie Mae's requires that the
engineer certify that the foundation meet the permanent foundation requirements
as specified by the manufacturer of the manufactured house. The
manufacturer's permanent foundation requirements may not be available.
When this is the case, we use the permanent foundation requirements found
in the Texas State Building Code.