Okay, Let’s Set The Distance for The Front Edge of High-Wind Tie-Downs

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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.

Photos showing High-Wind Tie-Downs.

Photos depicting Drip cap and hidden-venting.

You will need 2 1/2″ clearance from the face of Drip cap or behind belly-band (siding) to back of DURASKIRT™ CMU panels.

Manufactured Home Foundation Inspection

Oct 12, 2022

What Is Manufactured Home Foundation Inspection?

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.

What Are Foundation Inspectors Looking For?

A Manufactured Home on a gravel foundation with an Earthquake Restraining Bracing System meeting HUD-7584.

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
Mobile Home Skirting Kits like DURASKIRT™ meeting HUD-7584
6 mil vapor barrier on the ground covering soils within the crawl space

These requirements make good sense for homeowners desiring a good stable home. Indeed, the wisdom in making your manufactured home feel like a house with attractive and effective house skirting ideas is worth the effort. Next, let us explore the financing options.

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.

Related Article:

Are Piers Considered a Permanent Foundation?

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