Manufactured Home Addendum?

[BigBlueGA]

Looking for an addendum for manufactured homes.. all I remember about it is that it has a few checkboxes and is a really short form. Anybody know what I'm talking about and where I can find it? Maybe what it's called or a website with a PDF copy of it? Thanks in advance...

- Brandon

 

[Pamela Crowley (Florida)]

Brandon,

Send me an email and I'll send you a copy of a good one in pdf.

jaxapraizr@yahoo.com

 

[Tim Hicks (Texas)]

Darn Pamela, beat me to it! Alamode has an excellent MH addendum that has a check box for "yes", "no" and "unknown". The lenders version rarly has that last check box and I know few appraisers who are licensed engineers. If you would like to see it, email me at thicks1@msn.com.

 

[Mountain Man]

I think that is the same addendum that Pam is talking about. I agree, it is much superior to the old lender provided form. On the old form, I just had to mark out the questions or write in N/A, not an engineer. :roll:

 

[Pamela Crowley (Florida)]

Yep, the one I sent to Brandon is from Alamode. Best one I've seen and will never use anything else again.

 

[Jo Ann Meyer Stratton]

I haven't seen the one from Ala Mode, but be very carefull filling it or any other out. Most of the questions that lenders ask are not required by Fannie Mae and also beyond the expertise of an appraiser. Only a licensed engineer or contractor would be able to answer the questions. And the HUD label number is not the serial or vehicle identification number. The HUD label number only identifies the home as having been built to the HUD building code. Manufacturers and HUD do have a system for cross referencing the two numbers and they have totally different meanings.

 

[Richard Carlsen]

JoAnn is absolutely right. One of my biggest bugaboos is having the UW keep coming back and asking if the footings are below the frost line (I'm not an engineer so I can't answer that) or are the tie-downs IAW manufacturers recommendations (again, I'm not an engineer) or if the house has pier & post or perimeter foundation (read the report dummy!!).

This is the one of the best, handiest forms a la mode has come up with to date.

One other thing that I've taken to doing is to include a close-up of the HUD label plates on the side of the house and a photo of the foundation/skirting in the report. The photo of the HUD label is close enough that you can read the HUD number. Maybe if they can't read, they can interpret pictures.

 

[Jeff Horton]

Da Ja Vue all over again.

Just had to fill out one of the major lenders MH addedum. They ordered a drive by then came back and wanted this form filled out. Can you say Duhh? Yea I billed them for the trip back out there too!

They came back wanted two questions answered I refuse to answer. Of course all the other appraisers answer this. So here is my responce to them. Any suggestions or additions before I sent it? (BTW my Loan Officers backs me 100%! Its soooo nice to work for him!)

---------------------------------------------

To Whom It May Concern:

This is In reference to the Mobile home addendum and questions #4 and #7:

#4 Does the foundation system meet the soil conditions of the site.

To answer this question would require that the Appraiser have at least some training and/or a basic understanding of Geological soil types and the condition of the soil in the area. As an appraiser I have no such training and therefore I am not qualified to answer this question.


#7 Is the foundation, either perimeter or piers, located below the frost line and placed according to manufacturer’s recommendations?

To determine if the foundation is below the frost line would require that appraiser crawl under the unit and then dig down beside a few random piers to determine the depth of the foundation. To determine if the foundation was placed according to manufacturer’s recommendations it would also require knowing what the manufactures recommendations were. I was not furnished the manufactures foundation recommendations.

As an appraiser I am not qualified or trained in geological or structural engineering and therefore cannot render an opinions on the structural or foundation condition.

Appraisers are trained to determine values. If you need these questions answered I suggest you contact and engineet with proper training and qualifications.

 

[Farm Gal]

:lol: :lol: I shall reccomend they "and engineet" themselves!!!

Thanks for the boiler plate yours is mo' betta than mine :wink:

Betwixt us there shall be an outcry by all the nationals and theer lenders cohorts that there is a vast conspiracy on the part of all us nasty small minded appraisers everywhere to refuse to accept frivolous liability!

Go TEAM GO!

:twisted: :twisted: :twisted: :twisted: :twisted:
Let them fund thier OWN E&O