Manufactured Home Addition?

[bpi304]

I need to know if I can include an addition to a Manufactured home in the gross livable area if it's ducted and level with the original structure for an FHA loan.

Thanks.

 

[Couch Potato]

The first thing to do is check on the plans used for the addition to be sure it was engineered to protect the structural integrity of the home. A well planned addition might be okay, but often such additions are done without permits or inspections. Making alterations to the structure of a Manufactured Home can kill an FHA loan. I would not worry about whether or not it is GLA, just describe it thoroughly and use similar houses for comparison.

 

[bpi304]

I'll request the plans, permits, etc.. It looks professionally done and/or the quality is good. They used the front door way as the access point, therefore didn't need to cut holes in the original structure. The only thing hanging me up is the lack of vinyl skirting around this area. It's around the rest of the home, but not the addition. Doesn't it need skirting to meet FHA requirements?

 

[Couch Potato]

If they didn't alter the manufactured home, it may work out fine, but you don't need to be concerned with that. The handbook does require a manufactured home to have skirting, but the addition is not a manufactured home; it is constructed to local codes (supposedly.) Most local codes would require the foundation be enclosed for a living area these days, but I would not be concerned about it. Just report what is there. Your main concern is you are required to comment on the additions affect, if any, on the structural integrity of the manufactured home. Once you are sure of that, you have done your job, IMHO.

 

[Tim Hicks (Texas)]

I would not include in in GLA. It is an addition. Read the 1004C, there are actually parts of the form that deal with additions.

 

[Lobo Fan]

If the penetrated the original outer walls, it has to be signed off by a HUD approved structural engineer. It is the same also if they fastened anything to the HUD portion. Anything that might add weight to the original structure could be an issue. Just having a local building permit does not mean it is done according to HUD requirements. Something like that is outside my training level and I would likely make it subject to a structural inspection.

 

[Couch Potato]

If you have any reason to think there is a structural problem, you should notify the lender.

If the appraiser suspects that an addition or modification to the home poses a risk to the structural integrity of the home, the appraiser is to notify the lender.

 

[Jo Ann Meyer Stratton]

No, do not include the addition in the GLA with the manufactured home. They are constructed to two different building codes, the manufactured home is constructed to the HUD building code and the addition would be constructed to the local building code (if there is one).

 

[bpi304]

Thanks for the help everyone!

 

[Thern Newbell]

Vinyl skirting

FHA does not permit vinyl skirting unless it is only for cosmetic use (such as covering a more permanent material making up the perimeter foundation). The permanent foundation guide requires 'durable materials; i.e. concrete, mortared masonry, or treated wood' (Chapter 1 Definition of Permanent Foundation). In other words, if the home has simply vinyl skirting, it does not meet FHA permanent Foundation guideline, and does not qualify for FHA financing. I recommend calling the FHA HOC in your area to confirm, but this is the requirement as I understand it.