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If you buy (or sell) a manufactured / mobile home, often the loan involved in real estate transactions can not be FHA or VA loan. However, FHA and VA loans only to finance, if it can prove that the foundation for a permanent home base.
But what is the “permanent basis” and where can I find this definition is correct? Well, the 7584 publication of HUD, where you will find the definition. The definition is quite extensive and geared mainly toward professional engineers.
The 7584 brochure also known as HUD HUD Permanent Foundation Guide fabricated houses, or PFGMH. It is published by the United States Department of Housing and Urban Development (HUD). It is intended for the construction of a new 400-page manual produced permanent home bases. If you already have a foundation and in need of a permanent foundation certificate, the existing permanent basis must meet the intent of the PFGMH.
The mobile manufactured home foundation that does not meet the intent of the PFGMH is considered unsuitable, and one that does not meet the intent of the PFGMH considered compatible. Only a professional engineer licensed in the state where the home is located may make this determination.
The simplest definition of a permanent foundation is usually a leg to keep out pests and water, footings and piers to support the home gravity loads (such as snow and traffic load), anchorage to resist lateral loads, such as high winds or an earthquake, and other considerations.
The reason why an engineer is required to determine whether permanent or not, is because of the security issues involved, the structure the houses of people. Professional engineers in training and educational background to determine if the foundation is laid down in a safe and habitable, as well as the “permanent” by HUD.
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Source by Ed Harrison