What is a Manufactured Home
A manufactured home is built to the Manufactured Home Construction and Safety Standards (HUD Code). Generally all these home have certification labels and plates attached as seen in the pictures below.
Manufactured homes are built in a controlled environment. The home is transported to its final location and installed upon a permanent foundation. In order to meet the HUD standards, a Manufactured home cannot be moved once it has reached it’s final location.
The building of Decks, Porches and Room Additions are regulated by the construction codes for each state and / or local housing authority. Additions that are added after the home was set in its final location, may not meet the HUD standards. No additions are allowed to be supported by the home’s structure.
Why is an inspection important
Your lender must ensure that their interest is protected and the home does not blow or float away. For that reason they want to ensure that the home is properly fastened to an adequate foundation. In addition, it lets you know that your home is safe and stable during storms.
Age Requirements
Manufactured Homes are Homes that were built from 1976 through today; June 15, 1976 is when the HUD standards became effective. If you have a home that was build prior to that date, it cannot be accepted as compliant with the HUD Code and thus will not meet the FHA requirements. If the home does not meet FHA requirements, many other mortgage insurance firms will not accept the home either.