Understanding FHA and VA Requirements
If you're financing your mobile home purchase or refinancing an existing home, FHA and VA loans have specific requirements that must be met. Understanding these requirements can save you significant time and money in Prattville.
Permanent Foundation Requirements
FHA and VA loans require mobile homes to be permanently affixed to land. This means:
Wheels and axles removed
Transport equipment must be completely removed
Permanent piers
Concrete or steel piers anchored below frost line
Continuous perimeter enclosure
Skirting that contacts the ground
Utility connections
Permanent (not temporary) utility hookups
HUD Foundation Certification
A licensed engineer must certify that your foundation meets HUD Permanent Foundation Guide requirements. This certification typically costs $400-$800 and includes:
- Physical inspection of all foundation components
- Verification of anchor placement and tension
- Measurement of pier spacing and load distribution
- Written certification letter for lender
Title Conversion
Most states require converting the mobile home's vehicle title to real property. This process varies by state but typically involves filing documents with your county recorder's office.
Common Inspection Issues
These issues frequently cause FHA/VA inspection failures:
Insufficient anchoring
Not enough tie-downs for wind zone
Improper pier spacing
Piers too far apart for frame load
Missing HUD labels
Original certification plates removed or obscured
Structural modifications
Unauthorized additions or alterations
Water damage
Evidence of leaks or moisture intrusion
Retrofitting Costs
| Service | Typical Cost |
|---|---|
| Permanent foundation installation | $3,000 - $8,000 |
| Engineer certification | $400 - $800 |
| Title conversion | $100 - $300 |
| Additional anchoring | $500 - $1,500 |
| Total typical range | $4,000 - $10,600 |
Finding a Certified Installer
Look for installers who are licensed by your state's housing authority and familiar with FHA/VA requirements. Many mobile home transporters also offer foundation and retrofitting services, making it convenient to handle everything with one provider.