When you buy (or sell) a artificial / movable home, many times the loan involved in real estate transaction will whether be an Fha or Va loan. However, Fha and Va will only fund the loan if you can prove that the foundation under the home is a permanent foundation.
But what is a "permanent foundation" and where do I find it's proper definition? Well, in Hud Publication 7584, is where you will find its definition. The definition is quite total and geared, mainly, towards pro engineers.
Modular Homes Florida
The Hud 7584 publication is also called the Hud Permanent Foundation Guide for artificial Homes, or Pfgmh. It is published by the United States branch of Housing and Urban improvement (Hud). This 400 page manual is intended for new construction of artificial home permanent foundations. If you have an existing foundation and are in need of a permanent foundation certification, then the existing permanent foundation shall meet the intent of the Pfgmh.
A artificial movable home foundation that does not meet the intent of the Pfgmh is determined non-compliant, and one that does meet the intent of the Pfgmh is determined compliant. Only a pro engineer licensed in the state of where the home is located can make this determination.
In its most simplistic definition, a permanent foundation will ordinarily consist of a skirting to keep out vermin and water, footings and piers to keep the home from gravity loads (such as snow and live loads), anchorage to resist lateral loads such as high winds or an earthquake, and other considerations.
The presuppose why a pro engineer is required to decree whether it is permanent or not, is because of the safety issues involved with a buildings that houses people. Professional engineers have the training and educational background to decree if the foundation is safe and habitable, and also "permanent" as defined by Hud.
Permanent Foundations For mobile Homes - Hud 7584 Pfgmh man-made Home Inspections Guide
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