May lenders use a Manufactured Housing foundation certification from a previous FHA-insured loan?

The Mortgagee may obtain a copy of the foundation certification from a previous FHA-insured Mortgage, showing that the foundation met the guidelines published in the Permanent Foundations Guide for Manufactured Housing (PFGMH) that were in effect at the time of certification, provided there are no alterations and/or observable damage to the foundation since the original certification. 

If the Appraiser notes additions or alterations to the Manufactured Housing unit, the Mortgagee must ensure the addition was addressed in the foundation certification.   If the additions or alterations were not addressed in the foundation certification, the Mortgagee must obtain: 

•   an inspection by the state administrative agency that inspects Manufactured Housing for compliance; or 

•   certification of the structural integrity from a licensed structural engineer if the state does not employ inspectors.  

For more information see Handbook 4000.1 II.A.1.b.iv.(B)(5)(c)(ii) available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.


Topic Number: KA-05014