Manufactured Or Stick Built

[CANative]

The only component left was the chassis. So by logic the new house was not built to the HUD code.

 

[Mr Rex]

What is it when an MH chassis is used to form the structural support for a newly built house?

Subject to an engineers analysis.

 

[Tim Hicks (Texas)]

The only component left was the chassis. So by logic the new house was not built to the HUD code.

"The only remnants left of the manufactured home is the 12' x 56' steel undercarriage and three outside stud walls." Not quite!

And how would you know there is not more original parts you can not see like electrical, plumbing, etc?

 

[CANative]

It's a hypothetical based on the OPs description.

Three frame sides and a chassis. No engineered stuff (although the frame walls my not comply with local building codes either.)

IMO, the old saw "once a MH, always a MH" may not represent actual conditions. Who knows?

 

[Tim Hicks (Texas)]

It's a hypothetical based on the OPs description.

Three frame sides and a chassis. No engineered stuff (although the frame walls my not comply with local building codes either.)

IMO, the old saw "once a MH, always a MH" may not represent actual conditions. Who knows?

But disclose, disclose, disclose and it would help if you actually had another like it to compare to support no functional, physical obsolescence.

 

[CANative]

Trying to make a tortured metaphor using hens teeth. Not having much luck.

 

[Jo Ann Meyer Stratton]

It is not constructed to the HUD building code, so it is not a manufactured home. Yes, a manufactured home is always a manufactured home. But if there is no manufactured home left, then it can't be a manufactured home. I would describe it as a site built home, report it on a 1004 and have lots and lots and lots of photos, explanations, describtions, comments, etc, etc, etc. Then let the underwriter figure out how to deal with it. Find building permits from the local authorities, it they are available. Talk to the building inspector, if there is one, ask them which building code was followed while it was being assembled on site. Research, research, research, then explain, explain, explain.

 

[Restrain]

Jo Ann, if it hits Fannie's review desk, it will be rejected. I saw a bunch of these during my time, and they were an automatic reject back to the lender as a manufactured home. If the chassis is there, it is a manufactured home. Period. You can replace everything, but if the chassis is there, that is the defining issue.

 

[CANative]

Jo Ann, if it hits Fannie's review desk, it will be rejected. I saw a bunch of these during my time, and they were an automatic reject back to the lender as a manufactured home. If the chassis is there, it is a manufactured home. Period. You can replace everything, but if the chassis is there, that is the defining issue.

I disagree. It's now a building material. Not a manufactured home.

 

[Restrain]

CANative,you can disagree but it doesn't make you right. I worked in Fannie's UW dept as a senior review appraiser.