Okay, Let’s Set The Distance for The Front Edge of High-Wind Tie-Downs
CLICK TO ENLARGE
High-Wind or Hurricane Tie-Downs can pose a problem with skirting your manufactured home. That’s due to the extra strapping that is fastened to the front of your homes’ rim-joist or floor framing. Since, pictures are worth a thousand words we have a drawing and photos in order to aide you in understanding what you need to do. Furthermore, for those that prefer we explain step by step please follow these directions.
Chose a skirting material but in this case we will be explaining the use of DURASKIRT™.
After the home setup and before adding High-Wind Tie-Downs install 2″ x 2″ drip metal around the bottom of your home. (Photos shown below).
Now install the High-Wind Tie-Downs, also shown in the photos, although carefully considering the tie-down materials must be set at least 2 1/2″ behind belly-band trim or backside of drip cap metal (photos below).
If using drip metal the L-shaped bracket securing the tie-down to exterior rim-joist (framing) will need to be bolted through drip metal into floor framing. This is shown in detail drawing.
Now that you followed these steps begin using the DURASKIRT™ manual for a successful installation.
If you are applying for a Manufactured home loan, some lenders require foundation inspections. FHA and VA lenders have set rules for foundation requirements due to manufactured homes’ mobility. Consequently, their condition is a structural engineer performs the foundation inspection.
Basically, verifying the home’s foundation is structurally sound and is properly attaching the home with the ground permanently. Moreover, that the foundation meets the HUD-7584 federal guidebook 4930.3G for Permanent Foundations for Manufactured Homes. Simply put, Permanent foundation systems must be constructed to withstand both supporting loads and wind overturning loads for whichever region they are placed.
The Foundation Inspection Report
Generally, the inspection report is a one-page document summarizing the results. Although, in cases of deficiencies, it may be longer. The information contained within the report will specify detailing exactly the findings under the manufactured home. The report will also give the exact address, owner’s name, engineer’s name, and stamp.
Summarizing Details of Inspection Report:
Structural engineer contact information
Engineer stamp, license number, & signature
Borrower contact information
Property address
Date of inspection
Invoice for a foundation inspection
Other Requirements
Wheels, tongue, and axles removed
Approved Footings, Engineered Earthquake Bracing Foundation Systems
Reasons to Use a VA Loan to Buy a Manufactured Home
Up to 100% financing
The seller can pay closing costs
Up to 4% of the price in seller paid concessions
Up to 55%+ debt to income ratio
No monthly mortgage insurance
Waived VA funding fee for disabled Veterans
Great rates and payments
Include taxes and insurance in the payment
Down to 640 credit score
Cash-out refinance up to 100% of the value
Learn More About VA Loans for Manufactured Homes
FHA Loans for Manufactured Homes
For buyers who are not eligible for a VA loan, there is a low-down-payment home loan option available that is, FHA loans. Loans like these are awesome at providing financing to refinancing or purchasing manufactured homes. Just like VA loans, buyers that are in the market for affordable housing can easily qualify.
This makes for a fantastic combination with manufactured home prices, low FHA down payment, and FHA flexibility, owning a home is feasible. Furthermore, there are so many reasons to use FHA loans to purchase a manufactured home with land.
Reasons to Use an FHA Loan to Buy a Manufactured Home on Land
Low down payment
The seller can pay closing costs up to 6% of the sales price
Up to 55%+ debt to income ratio
Flexible underwriting guidelines
Co signors allowed
640 credit score
Cash-out refinance up to 85% of the appraised value
Great rates and payments
Includes property taxes and insurance in the mortgage payment
Down payment may be verified gift funds
FHA Mortgage Calculator
You may want to know what a rough mortgage payment or a refinance payment on a new or used home. California Credit Union provides an easy to use mortgage calculator…. FHA Mortgage Calculator
Purpose of Foundation Inspection
Lastly, the purpose of the foundation inspection is to issue a foundation certification. Furthermore, the certification is what FHA, VA, and USDA loans require for manufactured homes. In fact, they will not loan unless the home is fastened to a piece of land permanently.
Foundation Inspection Services
If you live in Washington State and are needing foundation inspection services, please read the article FHA, HUD Foundation Certifications. Finally, you will find the process of foundation certifications is fairly simple but necessary. And, the more you understand it will help you make good decisions.
Manufactured Home Skirting Kits, Follow These Do’s and Don’ts When Purchasing!
If you own a manufactured home, you’re likely required by local law to put skirting on it. However, before you simply reach for the first mobile home skirting kits you can find, take advantage of these dos and don’ts. They’ll help you make a good choice and give you more bang for your buck!
— DO purchase direct from DURASKIRT™ – Not Home Depot or Lowes
We have always sold our skirting and underpinning kits directly to the public. So when searching for DURASKIRT Lowes call us 360-419-9909!
— DO pay close attention to how it’s made
All manufactured home skirting kits are not created equal. Some are made with vinyl while others are made with aluminum or concrete. There are brands that have special vents to even out airflow. While others have a finish that’s designed to look like stacked stones. Still, more boast of being the best cold weather skirting product.
Bottom line — there’s a variety of options out there, so do some homework! For example, learn about the durability of different materials (concrete skirting, vinyl, and aluminum) and additional expenses which may come up over time if the skirting material doesn’t hold up (rodent infestations, etc.) We think you’ll find concrete skirting is more effective and durable than vinyl or aluminum and will save you money in the end. Also, understand how air circulates inside your crawl space, and thus, why a special vent would be important. The more informed you are, the better-finished product you can purchase!
— DO buy your manufactured home skirting kits from a company that’s happy to help!
Some manufactured home skirting kit manufacturers only care about making money. Once they’ve sold you a kit, they could care less if you struggle to install it. Others intentionally make the instructions difficult to comprehend so that you give up and hire them (or their buddies) to install everything for you.
You can do better than that!
A good manufacturer will be happy to help with your skirting even after your purchase has gone through. Specifically, they’ll have an instruction manual that’s written in plain English, and they’ll post videos and other tips right on their website. Sure, they’ll offer their own installation services, but they’ll also make it relatively easy for you to do the installation work yourself, instead of trying to get you to spend more money!
— DON’T take winter for granted
If you live in a place that gets a lot of snow and ice, you’re going to need a manufactured home skirting kits that can keep up with weather changes, extreme temperatures, and moisture. Because of the way it’s constructed, it isn’t good to let a bunch of snow and ice pile up against ANY type of skirting, but some kits are better prepared to deal with nature’s wrath than others.
Before you buy anything, talk to the manufacturer about how their skirting is going to withstand winter. If you don’t like the answer, look for another kit!
— DON’T forget about your other structures
Yes, it’s called “mobile home skirting“, but these kits can also be used to finish off your deck, above-ground pool, or hot tub. Skirting is alsowhat to put around the bottom of a shed or the storage building you’ve got sitting in the backyard. So, before you put away the calculator, add up the space these structures take up. Odds are some mobile home skirting will make them look AND perform better!
This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.
Strictly Necessary Cookies
Strictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings.
If you disable this cookie, we will not be able to save your preferences. This means that every time you visit this website you will need to enable or disable cookies again.
Recent Comments