Thursday, November 20, 2014




FHA Manufactured Home Inspections



If you are trying to get an FHA loan to purchase a manufactured home, you will need an inspection completed before that loan can be finalized. While that may sound like an additional hassle, the inspection could end up saving you a lot of money in the future. Here are some tips to help you find the right inspector.

quick building inspection services

We now promise 24 - 72
Hour Turnaround and in some
cases customers receive their
inspection report the
VERY NEXT DAY!


If you are trying to get an FHA loan to purchase a manufactured home, you will need an inspection completed before that loan can be finalized. While that may sound like an additional hassle, the inspection could end up saving you a lot of money in the future. Here are some tips to help you find the right inspector.

quick building inspection services

We now promise 24 - 72
Hour Turnaround and in some
cases customers receive their
inspection report the
VERY NEXT DAY!

Manufactured Home Inspection Services

In Florida and Georgia, FHA and VA require that all homes financed or refinanced under a new loan have foundation systems equal to the current Florida standards, regardless of when they were installed. The underwriters require the assurance from a Florida Professional Engineer that their collateral is properly supported and anchored for protection from strong winds or hurricanes.

Our inspectors check:

  1. The type and installation of anchors and straps
    (galvanized are required)
  2. The presence of stabilization plates in front of diagonal pull anchors
  3. Properly installed beam clamps
  4. Longitudinal stabilization with anchors or LSD's
  5. Lateral stabilization with anchors or LSD's
  6. Proper number and installation of LSD's and transverse straps
  7. Proper installation and spacing of anchors
  8. Mid-line anchors
  9. Proper installation of skirting
  10. Stability of support piers
  11. Removal of wheels and tongues
  12. Proper anchoring and support of any porches or additions.

Our inspectors have a combined experience of over 50 years inspecting manufactured home foundations, and most have completed the State of Florida’s manufactured home installation course.

In Florida and Georgia, FHA and VA require that all homes financed or refinanced under a new loan have foundation systems equal to the current Florida standards, regardless of when they were installed. The underwriters require the assurance from a Florida Professional Engineer that their collateral is properly supported and anchored for protection from strong winds or hurricanes.

Our inspectors check:

  1. The type and installation of anchors and straps
    (galvanized are required)
  2. The presence of stabilization plates in front of diagonal pull anchors
  3. Properly installed beam clamps
  4. Longitudinal stabilization with anchors or LSD's
  5. Lateral stabilization with anchors or LSD's
  6. Proper number and installation of LSD's and transverse straps
  7. Proper installation and spacing of anchors
  8. Mid-line anchors
  9. Proper installation of skirting
  10. Stability of support piers
  11. Removal of wheels and tongues
  12. Proper anchoring and support of any porches or additions.

Our inspectors have a combined experience of over 50 years inspecting manufactured home foundations, and most have completed the State of Florida’s manufactured home installation course.

Potential Modular Home Foundation Issues

One of the biggest challenges for getting an FHA loan for a mobile or manufactured home is the foundation. Many mobile homes suffer from foundation issues and do not meet the government’s requirements. To receive this type of loan, the structure needs to be built on a permanent foundation as designed by a professional engineer. Part of your inspector’s job is to determine whether or not the current foundation is appropriate.

In some cases, the seller may be able to also provide documentation that the foundation is FHA-approved. If not, you’ll need the inspector to find out and let you know.

mobile home inspection

One of the biggest challenges for getting an FHA loan for a mobile or manufactured home is the foundation. Many mobile homes suffer from foundation issues and do not meet the government’s requirements. To receive this type of loan, the structure needs to be built on a permanent foundation as designed by a professional engineer. Part of your inspector’s job is to determine whether or not the current foundation is appropriate.

In some cases, the seller may be able to also provide documentation that the foundation is FHA-approved. If not, you’ll need the inspector to find out and let you know.

mobile home inspection

FHA Mobile Home Inspections Done Right the First Time

While having a manufactured home inspection may seem like just another hoop you have to jump through in order to secure financing, the reality is that requiring an inspection is one of the best ways to ensure you are not making a financial mistake. FHA loans are a common choice for first-time buyers who may not have the experience needed to understand the importance of a mobile home inspection.

There are many potential problems with manufactured homes that may prevent it from passing inspection. For example, if they are not properly secured, they can be lifted from the foundation and destroyed by a tornado or even a strong wind storm. Not only is that a loss for you but you and your family could lose your life.

Need a professional inspection of your property? Contact us today!

While having a manufactured home inspection may seem like just another hoop you have to jump through in order to secure financing, the reality is that requiring an inspection is one of the best ways to ensure you are not making a financial mistake. FHA loans are a common choice for first-time buyers who may not have the experience needed to understand the importance of a mobile home inspection.

There are many potential problems with manufactured homes that may prevent it from passing inspection. For example, if they are not properly secured, they can be lifted from the foundation and destroyed by a tornado or even a strong wind storm. Not only is that a loss for you but you and your family could lose your life.

Need a professional inspection of your property? Contact us today!