FHA Manufactured

[Mr Rex]

Ever looked at the FHA permanent foundation guide? Search some old threads, Jo Anne has posted it several times. Might not meet FHA requirements and they might know it. In this area, if its on stacked block piers and tied down, considered permanent. FHA requires mortar in the joints or sure-wall on the surface of the piers for bonding, tie downs that may have to be incorporated in a perimeter skirt wall footing to meet shear requirements etc and a durable skirting wall (typically masonry or treated wood).

 

[Vegan702]

Ever looked at the FHA permanent foundation guide? Search some old threads, Jo Anne has posted it several times. Might not meet FHA requirements and they might know it. In this area, if its on stacked block piers and tied down, considered permanent. FHA requires mortar in the joints or sure-wall on the surface of the piers for bonding, tie downs that may have to be incorporated in a perimeter skirt wall footing to meet shear requirements etc and a durable skirting wall (typically masonry or treated wood).

But that would be on the engineer to figure out, correct?

 

[Mr Rex]

Surely. But was just having this conversation with another appraiser who is aware of the requirements here, who called the engineer on his "Letter of Certification" because of this very issue. Appraiser's photos conflicted with the Engineers cert. (lender wanted the appraiser to include the engineers letter in his report and remove the requirement for the Engineers cert, since he had it in hand) Last I heard, the engineer has some 'splaining to do to HUD and the State Engineers licensing board.

Thats why I don't want a copy of the Engineers letter. Let the lender accept it, not me.

 

[Vegan702]

Surely. But was just having this conversation with another appraiser who is aware of the requirements here, who called the engineer on his "Letter of Certification" because of this very issue. Appraiser's photos conflicted with the Engineers cert. (lender wanted the appraiser to include the engineers letter in his report and remove the requirement for the Engineers cert, since he had it in hand) Last I heard, the engineer has some 'splaining to do to HUD and the State Engineers licensing board.

Thats why I don't want a copy of the Engineers letter. Let the lender accept it, not me.

That is what I told them, as I made it CB4 for the engineer's report. They wanted me to change it from CB4 to as-is once they get the report, and I told them I would do an update, but not change my report. In my short time doing this, I have never changed an FHA appraisal as they usually just submit the required inspections directly to the DEU as far as I know.

 

[Peter LeQuire]

The requirement for an engineer's certification for the foundation is a HUD underwriting requirement - not an appraisal/appraiser requirement - and whether the appraiser checks CB4 or not, the FHA underwriter is supposed to require it. Prudence demands, I think, that CB4 ought to be checked, along with language that says something to the effect - "comply with all pertinent HUD requirements." And, when the inevitable request comes to change the appraisal to "as is" or to certify that the engineer's certification satisfies the requirement, or whatever, I simply defer to the FHA DE underwriter: the underwriter has the authority - granted by HUD - to determine whether the documentation submitted satisfies HUD's requirements, the appraiser does not.

 

[rcsone]

MH Permanent Foundation Requirements
Foundation must comply with Handbook HUD-007487 Permanent Foundation Guide for Manufactured Housing. Engineer must certify that the foundation(existing or new construction) complies with HUD's PFG. Supporting foundation (and perimeter foundation(crawl space wall) must be placed on concrete footings that extend below the frost line. Anchoring devices must be affixed(or anchored) to the concrete footings or piers. There must be a properly enclosed crawl space with a continuous permanent foundation-type construction(similiar to a conventionally built foundation,i.e., concrete, masonery or treated wood) as per Handbook 4145.1 REV-2 pg. 3-13, par. 3-4B) 5) and Appendix D-56 which is attached to ML 2005-48. Another comment is the MH PFR is SITE Specific due to elevations, water table, soil types, topography and etc's unique in various situations-----------so do you think those picures meet any of the standards or requirements?

 

[Vegan702]

MH Permanent Foundation Requirements
Foundation must comply with Handbook HUD-007487 Permanent Foundation Guide for Manufactured Housing. Engineer must certify that the foundation(existing or new construction) complies with HUD's PFG. Supporting foundation (and perimeter foundation(crawl space wall) must be placed on concrete footings that extend below the frost line. Anchoring devices must be affixed(or anchored) to the concrete footings or piers. There must be a properly enclosed crawl space with a continuous permanent foundation-type construction(similiar to a conventionally built foundation,i.e., concrete, masonery or treated wood) as per Handbook 4145.1 REV-2 pg. 3-13, par. 3-4B) 5) and Appendix D-56 which is attached to ML 2005-48. Another comment is the MH PFR is SITE Specific due to elevations, water table, soil types, topography and etc's unique in various situations-----------so do you think those picures meet any of the standards or requirements?

I'm no engineer, hence requiring an engineer to make those calls. But it has concrete footings which the jack stands rest upon, it is tied down in at least 8 pts, hence the 8pt tie down system mentioned above and it has a continuous wood enclosed crawl space.

 

[Jo Ann Meyer Stratton]

The report would be "subject to" the required inspection by a licensed engineer. Then it becomes the underwriter's responsibility to have it inspected by a licensed engineer who makes the decision of whether the installation and foundation meets the Permanent Foundation Guidelines for Manufactured Housing. There isn't any need for the underwriter to come back to the appraiser for anything. They have to include that engineer's certification in the binder prior to submitting the package to HUD.

 

[VolcanoLvr]

In regard to a client request to alter a report after submission, I have the following paragraph in a Supplemental Addendum for all reports:

Report Delivery:
Delivery of the report is considered completion of the appraisal assignment. The appraiser is required to report observed conditions with the property at the time of inspection that have an effect on value. Photos of those conditions and other photos may be included that can help the client or underwriter understand property conditions and characteristics. Therefore no written information or photos will be removed from the report after the report is delivered to the client. Requests for additional information, including additional comparables, the Cost or Income Approaches to value when not applicable, reliable, or necessary to form a credible opinion of value etc., may result in additional fees commensurate with the amount of additional work required to satisfy the request for additional data.

 

[rcsone]

hard to get foundation certification "after the fact", who knows what is there that cannot or should be seen-----plans/specs.....who could you believe anymore?..........as has been said past your pay grade of determination........