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Foundation Certifications for Manufactured Homes

Acceptable for lender requirements

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Home Inspectors » Popular Add-Ons » Foundation Certification for Manufactured Homes

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We Provide Comprehensive Foundation Certifications in Florida

Are you in the market to buy or sell a manufactured home? If so, and you’re using a mortgage lender, you’ve likely encountered additional requirements for the purchase or sale of these homes.

Manufactured homes are constructed in sections that are transportable and assembled on a permanent chassis at the site. Each section allows for quick and efficient assembly. Similar to traditional homes, manufactured homes are designed to be permanent residences, complete with plumbing, HVAC, and electrical systems.

At POMI, we provide HUD, FHA, conventional, VA, and mobile home foundation certification by structural engineers.

Contact our team today for a fast and thorough foundation certification.

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foundation certification for manufactured home infographic

FAQs on Foundation Certifications

What is a Manufactured Home Engineering Certification?

HUD (the U.S. Department of Housing and Urban Development) has established specific installation guidelines for manufactured homes and oversees the process to ensure compliance.

When financing the purchase of a manufactured home, your lender must have the home inspected for adherence to HUD guidelines for all FHA/VA insured loans. Many lenders also require this certification for conventional loans.

Under the supervision of a qualified engineer, our licensed inspector collects the necessary data, including multiple photographs of the home from specified angles.

The inspector then uploads this information for the engineer to review and determine if the home meets HUD standards. If it does, the engineer issues the required "Manufactured Home Engineering Certification."

All our certifications are issued by MFD Home Certifications, US LLC, and are approved and sealed by licensed engineers.

Why Does My Lender Require a Foundation Certification?

When obtaining a mortgage for a new or existing manufactured home, lenders often require a foundation certification or design. This is because most mortgages are insured by the Federal Housing Administration (FHA), part of the U.S. Department of Housing and Urban Development (HUD).

For FHA insurance, the foundation of new manufactured homes must be designed and sealed by a licensed engineer in accordance with FHA guidelines. For existing homes, a professional structural engineer must certify that the foundation meets these FHA standards. The guidelines are based on the HUD Permanent Foundations Guide for Manufactured Housing.

What Types of Manufactured Home Engineering Certifications Do We Offer?

Pricing

When deciding whether to order a Foundation Certificate, an Additions Certificate, or both, it's crucial to first confirm with your lender which certifications are required. Not all lenders mandate both certificates, so it's wise to avoid unnecessary expenses by ordering only what is necessary.

If your lender does not require an Additions Certificate initially, it's best not to request one. Failing an inspection for an unnecessary Additions Certificate could potentially delay your loan closing until any required repairs are completed.

The cost of a Manufactured Home Engineering Certification can vary based on the specific services needed.

Here are the standard fees typically involved:

Permanent Foundation Certification: $425.00
Additions Certification: $425.00
Permanent Foundation with Additions Certification Bundle: $550.00

Please note, if you find later that you require an Additions Certification after the initial inspection and the Foundation Certification documentation has already been submitted, there will be an additional fee of $425.00.

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Qualified and certified inspectors

Our inspectors are InterNACHI® certified and have years of experience inspecting homes in the Florida panhandle. They have dozens of certifications and accreditations. POMI Services is an InterNACHI® Certified Mobile Home Inspector. We are experts in concrete, plumbing, HVAC, and electrical systems, with our inspectors having prior career experience in these fields.

Inspector backgrounds and certifications →

Richard

James

InterNACHI Certified Mobile Home Inspector

The Importance of Foundation Certification for Manufactured Homes

Ensuring foundations are built with durable materials

Ensuring attachment points properly stabilize & anchor home

Ensuring proper load transfer to soil or rock

Ensuring adherence to FHA guidelines

A foundation certification is often required for manufactured homes to ensure the foundation is present, permanent, and functional.

A permanent foundation is defined as one built from durable materials like concrete, mortared masonry, or treated wood, and it must be constructed on-site. Because manufactured homes are not built on-site, it is crucial to certify that their foundations meet this criterion. According to HUD, the foundation must include attachment points to anchor and stabilize the home, transferring all loads to the underlying soil or rock. The design must adhere to FHA guidelines. For existing homes, a structural engineer must certify that the foundation meets FHA requirements, as outlined in the HUD Permanent Foundations Guide for Manufactured Housing. This guide specifies that permanent foundations must be structurally developed per its standards or designed by a licensed professional engineer.