Help me get this thing off my desk.

[Matt Mattina]

If there really is no steel frame (chasis), is it possible that the original structure is a "double-wide" modular trailered to the site and built to local code?....as oppposed to towed on its own axels? The lack of a steel under carriage is reason to believe/explore the fact that it is not a MNFC home at all. Check with the local building authority and/or make report subject to verification that subject was built to local code, etc.

MNFC and modular terminology is often used incorrectly (especially by homeowners) in my neck of the woods.

 

[Caterina Platt]

Matt,

You may have hit it on the head.

What Greg describes is the addition being built on the front and or back sides of the dwelling. (am I correct, Greg?) If the crawl space picture was shot from that access panel we can see in the picture, we should be staring at steel I beams from that vantage point if it's truly a manufactured. Right?

Greg,

You said he replaced the subflooring, but no mention of replacing the joists. If all of the above are correct, then yes. You may very well be looking at a mix up in terminology and some very happy news for the homeowner.

 

[Greg davenport]

"Once a manufactured home, always a manufactured home"

While I have heard this, I have yet to find anything in writing that says it.

Can anyone point me to something in writing from HUD, Fannie, anyone that says I can not do this as a stick built? Or why it is still considered a Manufactured home.

 

[CANative]

I don't think it would be common to set a wood frame modular on drystacked concrete blocks. And it looks like steel sitting on those. I also doubt if he would be tossing the MH word around if it was really a modular.

I would personally rather recommend rejection of the property rather than fuss around with this one. Especially for FHA. Those kind of modifications would probably require state permit and plan approval.

Added 2" furring strips to the wall framing for a extra insulation? What a waste of trees.

 

[Caterina Platt]

While I have heard this, I have yet to find anything in writing that says it.

Can anyone point me to something in writing from HUD, Fannie, anyone that says I can not do this as a stick built? Or why it is still considered a Manufactured home.

Because if any portion of the original MH remains, they consider it to be manufactured for lending purposes. Why? I'm not certain, but I'm going to guess that each situation is different and which part is built to which code would be a ridiculous exercise in many of these hybrid/remodel things.

That in writing, couldn't tell you. I've taken AI courses that taught this information, and spoken directly with HUD/FHA people in 'Appraising for FHA' classes, and all have said the same. My suggestion would be to call your HOC.

But......look at Matt and my post above before we beat this manufactured thing anymore.

 

[Greg davenport]

If there really is no steel frame (chasis), is it possible that the original structure is a "double-wide" modular trailered to the site and built to local code?....as oppposed to towed on its own axels? The lack of a steel under carriage is reason to believe/explore the fact that it is not a MNFC home at all. Check with the local building authority and/or make report subject to verification that subject was built to local code, etc.

MNFC and modular terminology is often used incorrectly (especially by homeowners) in my neck of the woods.

Based on what the HO told us, it does have a steel undercarriage. It was a true manufactured home, not a modular. I was just not able to see the steel frame from the crawl space. I "know' it there because he told me it was.

Since this is outside city limits, you can do what you want to do, build what you want, and no one can stop you. NO codes, no rules, no nothin.

 

[Greg davenport]

That in writing, couldn't tell you. I've taken AI courses that taught this information, and spoken directly with HUD/FHA people in 'Appraising for FHA' classes, and all have said the same. My suggestion would be to call your HOC.

Same problem we have, everyone says it, but no one backs it up with facts. I'm starting to think it is like the old Fannie Mae 5 acre "rule" that everyone talked about but was not true.

 

[Mary Tiernan]

I still see that as a manufactured house - roof slant, roof design over door, the way the unit is placed on foundation. We have a lot of manufactured houses in my area - that would be recognized here as manufactured. However, due to the upgrades, all new drywall? new doors, doorways? I think I might put a couple simple 1 story ranch or BOCA houses in the mix as comparables. How is the plumbing? Most manufactured houses have gray plastic plumbing. You can now meet the gray plastic with regular as there are now fittings for that, but how is the plumbing? Look under sinks, by washers, etc. What type of material is the toilet shut off?

A lot of folks think once they put in new windows and siding and put a "permanent" foundation underneath, it becomes "site built"

I guess I'm still confused why some are saying FHA won't accept the unit if HUD tags are removed? I thought FHA wouldn't accept it only if it had beenmoved from original placement?

 

[Greg davenport]

I guess I'm still confused why some are saying FHA won't accept the unit if HUD tags are removed? I thought FHA wouldn't accept it only if it had beenmoved from original placement?

That is straight out of the 4150.2 Page D-52

• To be eligible for FHA-insured financing, the manufactured home must have a HUD Certification Label affixed to the tail-light end of each transportable section.
• If the appraiser is unable to locate the HUD Certification Label (HUD Seal), the lender must be notified.

 

[Mary Tiernan]

Thanks for the clarification. I don't do FHA but I had not heard that one.