Base of footing below maximum frost-penetration depth. Enclose a basement or crawl space with a continuous wall whether bearing or non-bearing that separates the basement of the crawlspace from the backfill, and keeps out vermin and water. The design must provide lateral stability with anchorage capacity to prevent sliding due to wind or seismic forces, whichever controls, in the transverse or longitudinal direction.
There are two methods to prepare acceptable design solutions. The first is to offer an engineered solution using the Guide criteria. The second is to use the appendices in the guide and the worksheets offered to select and document a design of an approved type. Hi Hank, yes the answer is inmy course, do you want to wait for November 10th for the answer?? OK, I thought not. Hi Michael, yes I was delayed in posting and hit the subitt button after you had posted. Regards Gerry. Hi Hank and guys… I believe I can shed some light on this question as we just completed over a year of home-searching, including a number of manufactured homes now converted to real property.
The question indicates to me that the prospective buyer is probably applying for an FHA loan. Been there, done that as a potential buyer Hope that helps. Frank Nihei. Does anyone have the specific guidelines for CA please?
To qualify for mortgage financing on a manufactured home, most lenders will require that this home be:. Be aware that a manufactured home financed with a mortgage cannot be moved from the land it sits on without the permission of the lender, according to Guerin.
There are a few steps involved in converting a manufactured home to real property so you can obtain mortgage financing. This would allow you to re—record the land and home on a new title listing it as real property.
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If you are experiencing a hardship, please contact your account representative at Tuesday, 30 March Reasons to Convert a Manufactured Home to Real Property In general, manufactured homes are classified as personal property. Personal property — A manufactured home considered personal property is often installed on a temporary foundation, which means that the home could be moved to another location if the homeowner decides to do so later.
This type of classification is identical to that of a vehicle. Real property — A manufactured home classified as real property is permanently attached to land, just like a conventional site-built home.
Converting a Manufactured Home to Real Property The only way to enjoy all the benefits of owning a home is to convert your manufactured home to real property. In most states, the conversion process is fairly straightforward, involving the following steps: Checking the HUD certification — The HUD certification is a placard typically located at the base of the home. Slab Foundation- Instead of acting as the floor of the home, the slab beneath manufactured home functions as a platform for support.
Crawl Spaces- Crawl spaces are normally used where a conventional site-built foundation is required. Understanding the type of foundation a manufactured home has is crucial when considering it for purchase.
In many instances, a foundation certification is needed on a manufactured home to confirm that the foundation exists and is permanent and functional. In most circumstances, permanent foundations meet the criteria for your home to be considered a real estate property and will help with financing. A permanent foundation is a foundation which is built of durable materials and is built on site. HUD specifies that a manufactured home foundation must feature attachment points to anchor and level the manufactured home to transport all loads to inherent soil or rock.
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