As of September 1996, all manufactured homes seeking FHA Title II Mortgage
insured loans must be affixed to a permanent foundation as defined in HUD's
handbook 007487 "Permanent Foundations Guide for Manufactured Housing."
To ensure the manufactured home does have a permanent foundation,
HUD/FHA requires a licensed Professional Engineer to perform a site inspection.
A letter is then written by the engineer with his/her signature and Kentucky seal
attesting to whether or not the home is on a permanent foundation.
insured loans must be affixed to a permanent foundation as defined in HUD's
handbook 007487 "Permanent Foundations Guide for Manufactured Housing."
To ensure the manufactured home does have a permanent foundation,
HUD/FHA requires a licensed Professional Engineer to perform a site inspection.
A letter is then written by the engineer with his/her signature and Kentucky seal
attesting to whether or not the home is on a permanent foundation.
FHA Permanent Foundation Inspections
FHA Title II Mortgage Insured Loans for Manufactured Housing
Q & A's Concerning Permanent Foundations:
Michael S. Childers, P.E.
Structural Engineer
Structural Engineer
1. What is the most common issue found in permanent foundations?
answer: THE MOST COMMON ISSUE OUR COMPANY SEES IS "DRY
STACKED" PIERS. SECTION 503-4 OF THE "PERMANENT FOUNDATIONS
GUIDE FOR MANUFACTURED HOUSING" CLEARLY STATES "all masonry
piers shall have mortared bed and head joints."
answer: THE MOST COMMON ISSUE OUR COMPANY SEES IS "DRY
STACKED" PIERS. SECTION 503-4 OF THE "PERMANENT FOUNDATIONS
GUIDE FOR MANUFACTURED HOUSING" CLEARLY STATES "all masonry
piers shall have mortared bed and head joints."
Christy Childers
Director of Business
Development
Director of Business
Development
Photo of "dry stacked" pier
Photo of mortared pier
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
2. What if my home was financed initially through a conventional loan and
has "dry stacked" piers and I now need to re-finance with an FHA Title II
Mortgage Insured loan and need to upgrade the piers?
answer: THE ONLY HUD/FHA APPROVED RETROFIT FOR "DRY STACK"
MASONRY PIERS IS OUTLINED IN HUD'S MATERIAL RELEASE 907F. THIS
MATERIALS RELEASE STATES A SURFACE BONDING CEMENT CAN BE
TROWELED 1/4" THICK TO THE EXTERIOR OF EACH PIER TO CREATE A
CONTINUOUS PIER SYSTEM.
has "dry stacked" piers and I now need to re-finance with an FHA Title II
Mortgage Insured loan and need to upgrade the piers?
answer: THE ONLY HUD/FHA APPROVED RETROFIT FOR "DRY STACK"
MASONRY PIERS IS OUTLINED IN HUD'S MATERIAL RELEASE 907F. THIS
MATERIALS RELEASE STATES A SURFACE BONDING CEMENT CAN BE
TROWELED 1/4" THICK TO THE EXTERIOR OF EACH PIER TO CREATE A
CONTINUOUS PIER SYSTEM.