Manufactured Home Foundation Certifications

What is a Manufactured Home Certification and why do you need one?

A Manufactured Home Certification is required by federal government regulations to ensure that the home complies with HUD/FHA, VA, and Conventional Lending requirements and other national standards. JCS issues an Engineer’s Foundation Certification to ensure that the loan guidelines required by the lender are met.

What is the Difference Between a Mobile Home and a Manufactured Home?

The only difference between the two types of homes is the date they were built. According to HUD, a factory-built home prior to June 15, 1976, is a Mobile Home and one built after June 15, 1976, is a Manufactured Home. (Modular construction is also a factory-built home but is treated the same as stick-built housing.)

Eligibility & General Requirement – Department of Housing and Urban Development (HUD)Title Il

“A Manufactured Home is a structure that is transportable in one or more sections. In traveling mode, the home is eight feet or more in width and forty feet or more in length. A Manufactured Home is designed and constructed to the Federal Manufactured Construction and Safety Standards and is so labeled. To be eligible for FHA mortgage insurance, all manufactured homes must comply with the following:”

• have a floor area of not less than 400 square feet.
• be constructed after June 15, 1976, in conformance with the Federal Manufactured Home Construction and Safety Standards, as evidenced by an affixed certification label in accordance with 24 CFR Section 3280.8; (Manufactured homes produced prior to that date are ineligible for insured financing);
• be classified as real estate but need not be treated as real estate for purposes of state taxation;
• the mortgage must cover both the manufactured unit and its site and shall have a term of not more than 30 years from the date amortization begins;
• built and remains on a permanent chassis;
• designed to be used as a dwelling with a permanent foundation built to FHA criteria; and
• the finished grade elevation beneath the manufactured home or, if a basement is used, the lowest finished exterior grade adjacent to the perimeter enclosure, shall be at or above the 100-year return frequency flood elevation, Flood Zones A or V.

Manufactured Home Additions

Additions may include roof overhangs, decks, steps, carports, etc. Lenders may occasionally ask for additions to be certified along with the Foundation Certification. Additions are charged separately.

Fast and Affordable Manufactured Home Foundation Certification

JCS Foundation Certifications are competitively priced from $425.00 to $550.00. Our combined cost for all additions is $150.00. Reinspection, if needed, costs $250. Conveniently save time by using the Foundation Certification Online ORDERING PORTAL.