FHA Manufactured And Engineer Report For Foundation

[KRS]

The borrowers I've had, that need to get the required engineer or architect certification for the foundation are having trouble figuring out where to get the certification. This is for borrowers, that in most cases bought the mfg improvement as the 2nd owner. Not from the manufacturer.
Any ideas where I can tell them to get this certification?
Thanks, Ive told them to call the actual manufacturer.

 

[hastalavista]

I believe this is a permitting issue; some jurisdictions handle this on a state level, others might handle it on another level.
CANative (an expert in this area in my market) will correct me if I'm wrong, but in California:
A. An engineer provides the report.
B. A local (city or county) official verifies it.
C. The state issues the permit.

 

[CANative]

Step 1: All FHA MH appraisals are subject to the cert. So the appraiser doesn't need to know (and can't know) just by looking.

Step 2: If the appraiser wants to be helpful supply the client and/or borrower with this url: http://www.foundationcerts.com/

Step 3: Well, there is no step 3.

 

[KYLECODY]

Yes, it is a structural engineer here in AZ that does it and he issues a one page report either saying yes or no. I keep him busy on every FHA manfd I do but am amazed how many people don't call for the engineers cert and it somehow slides on by..similar to how FHA wont lend on a well shared by more than 4 properties, but they do...must not be on the UWs top priority list.

 

[CANative]

Yes, it is a structural engineer here in AZ that does it and he issues a one page report either saying yes or no. I keep him busy on every FHA manfd I do but am amazed how many people don't call for the engineers cert and it somehow slides on by..similar to how FHA wont lend on a well shared by more than 4 properties, but they do...must not be on the UWs top priority list.

The HOC can't look at EVERY appraisal report. These sort of things come back to haunt the mortgagee (and then the appraiser as effluent runs downhill) when the loan goes south.

 

[KYLECODY]

The HOC can't look at EVERY appraisal report. These sort of things come back to haunt the mortgagee (and then the appraiser as effluent runs downhill) when the loan goes south.

I agree but the local underwriter for the lender should know if it says 8 properties on a shared well they should just kill it there on their end.

 

[Noreen]

CANative said it best. In this part of the country, depending how long the building department saves it's files, I typically have to go there to get the engineering reports, if nothing is found, ( including going to Concord ( state offices) to see what is on file with the Department of Environmental Engineering ), then the borrower has to have this process done at their own expense.

 

[KRS]

Step 1: All FHA MH appraisals are subject to the cert. So the appraiser doesn't need to know (and can't know) just by looking.

Step 2: If the appraiser wants to be helpful supply the client and/or borrower with this url: http://www.foundationcerts.com/

Step 3: Well, there is no step 3.

Thanks, I appreciate it.

 

[Jo Ann Meyer Stratton]

It is the lender's responsibility to make arrangements for a licensed engineer to inspect the foundation and installation. The engineer then determines whether it is in compliance with HUD' Guidelines for Manufactured Home Foundations. Local governing agencies would not have any information or jurisdiction over that certification. It only needs to be done once, later FHA lenders can either order a new one or find the original. I have recommended for many years that the owner's record that certification so that it is available in the future.

The appraiser does not get involved in the process or have access to the engineer's certification. When it is for a FHA loan, the appraisal report should be completed "subject to" the lender obtaining that certification--and that is the end of it for the appraiser's responsibilities. Any inspections or paperwork completed by a governing agency is not acceptable for that requirement.