Smoky Mtn. Inspection Services, Inc. in Dandridge, Tennessee, provides HUD Manufactured Housing Foundation Certifications that meet loan foundation requirements.
All foundation systems, new and existing, must meet the guidelines published in the Permanent Foundations Guide for Manufactured Housing, dated September 1996. A certification attesting to compliance with this handbook must be obtained from a licensed professional engineer and included in the insuring file. Smoky Mountain Inspection Services, Inc., in association with Hayman Residential Engineering Services, Inc. (HRES), provides Foundation Certifications for Manufactured/Modular Housing and Stick-Built Homes. Services include engineering certificates for:
A foundation must meet the criteria as set forth in the HUD manual Permanent Foundations Guide for Manufactured Housing, September 1996. This manual requires a site-specific design for every manufactured home. If your home is not HUD compliant, it may be not approved for a U.S. government guaranteed or conventional loan. Please refer to the manual for more information.
The government mandates that homes meet HUD-compliant standards nationwide. There are local variations in requirements. These standards help build strong manufactured homes, and help you meet the requirements to qualify for a loan.
You could save some money by putting in a lesser foundation now (provided your loan allows you to do so), but you could find yourself spending more in the future. For example, when you want to sell your house, banks may not loan you money until your home is upgraded to a HUD-compliant foundation. To do so, consult any contractor who can read a blueprint but is also well-versed in foundational design and engineering. Our experts can help. If you opt to upgrade to HUD compliance in the future instead of doing it initially, it could require costly adjustments like: