Help! No Serial Numbers For Manufactured Home

[jan cajar]

georgia

 

[jan cajar]

can I turn the appraisal in and condition it stating that the HUD label is missing from the interior of the manufactured home but the HUD tag is still intact? can I just make it the respomsibility of the underwriter to waive the condition?

 

[Pamela Crowley (Florida)]

Try this:

http://www.HUD.gov/offices/hsg/sfh/mhs/mhslabels.cfm

I don't recognize the HWC at the beginning of that number. HUD code homes built in Georgia start with GEO, built in Florida start with FLA.

Jan, if you are going to complete manufactured home appraisals, you really do need to take classes on this appraisal specialty. There is one going to be in Jacksonville, FL on 2/27, put on by the Appraisal Institute and being taught by Rich Heyn. I strongly recommend you attend.

 

[Jo Ann Meyer Stratton]

The letter sized piece of paper under the sink is the HUD Data plate. Fannie Mae wants the information from that entered on the 1004c. FHA is only concerned about the HUD metal label/tag that is on the exterior. If that is missing give all the information you can in the report, make it a conditon on page 5 of the VC sheet and then it becomes the underwriter's responsiblity next. The underwriter can reject the loan or the underwriter can contact HUD at a specific web site and gather the information and the loan can go forward. Or the underwriter can decide that the borrower needs a conventional loan instead of a FHA loan. Appraiser reports what they discover and see--underwriter makes the decision.

See my posting of a sample VC page 5 at the top of the FHA forum.

By the way, if the loan is for Fannie Mae and you can't find the data plate inside, get the information from the ownership papers or tax records or other paperwork to fill out the 1004C (70B for Freddie Mac).

 

[Jo Ann Meyer Stratton]

HUD doesn't care about the data plate inside the home--although it sure does provide good information to the appraiser about the home. A HUD label on the exterior is originally red when brand new, but fades out to pale pink, orange, to no color at all over the years. The wording is etched into the metal so that stays, regardless of color.

http://www.HUD.gov/offices/hsg/sfh/mhs/mhslabels.cfm
Click on the words in red, it will show photos of a HUD label/tag and of a data plate.

HWC stands for a private inspection agency that does in the factory inspections for HUD nationwide.

HWC
TYPE: IPIA/DAPIA
Mr. Joseph V. Fletcher
Vice President
HUD Code Inspection Services
Hilborn, Werner, Carter &
Associates, Inc.
1627 S. Myrtle Avenue
Clearwater, FL 33756-1131
PH: (727) 584-8151
FAX: (727) 587-0447

at: http://www.HUD.gov

at the upper right is the word search, type in manufactured housing, then scroll down to manufactured housing, then click on each link for lots of good info. Including a link to all the private and state inspection agencies. Some inspection agencies can only inspect the home while it is under construction. Other agencies do that plus review and approve all designs, plans, etc to insure tht they meet the HUD building code. The actual inspection of a home by an agency inspector is verifying that the home was constructed per those plans and specifications.

 

[Pamela Crowley (Florida)]

Thanks Jo Ann! I was hoping you'd chime in here!!! Now I know what the HWC stands for.

 

[Jo Ann Meyer Stratton]

Ten states do the inspections in the factories in their states: Arizona, Colorado, Florida, Georgia, Idaho, Nebraska, New Mexico, Oregon, Tennessee, and Washington. The private companies are HWC, NTA (NTA, Inc), PFS (PFS Corporation), RADCO (Resources, Applications, Designs & Controls, Inc), TRA (T.R. Arnold & Associates, Inc), and ULI (Underwriters Laboratories, Inc).

ULI has been around forever--you will see their initials on labels on pre-1976 mobile homes because they did inspections for the voluntary industry code back in those days. That does not mean a home built prior to June 15, 1976 with ULI on a metal tag will meet Fannie Mae, Freddie Mac and HUD requirements. Only that is was built to the voluntary industry building code and not just what mood that factory was in that day.

And I strongly urge anyone to take Rich's class when it comes near them--if not travel across the country for one!!!!

 

[Pamela Crowley (Florida)]

And that explains why I've never seen the HWC here in FLA. I do see both FLA and GEO.

B)

 

[Jo Ann Meyer Stratton]

Although Arizona does the inspections of factories here in Arizona, I see HWC quite frequently. Clayton Homes are located in Texas, and that is a very popular brand in Arizona. Also see a lot with RAD. ARZ are of course the most common since there are about ten plants in Arizona. See a lot of CAL. But if you do see one you don't recognize, you can go to the url I posted and see who did the inspection in the factory. That way you can find the plant where it was constructed and maybe get some information from that plant. There is also a list of all the manufacturers at the HUD.gov website.

 

[David S. Roberson]

I see a lot of NTA even on units I know were built here in Tennessee.