Fha Gutter Requirements Manufactured Homes

Although mobile homes are generally not a property type that is eligible for a reverse mortgage some manufactured homes are approved by the department of housing and urban development hud and meet federal housing administration fha requirements.

Fha gutter requirements manufactured homes.

The home may be placed on a rental site in manufactured home park provided the park and lease agreement meet fha guidelines. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. More specifically the model codes do not contain any minimum requirements for the durability of such items as doors windows gutters and downspouts painting and wall coverings kitchen cabinets and carpeting. The home may be situated on an individual homesite owned or leased by the borrower.

The manufactured home must meet the model manufactured home installation standards. Manufactured home floor space can not be smaller than 400 square feet and must be classified as real estate. 6 mil vapor barrier on the ground within the crawl space. Homes and projects financed by fha insured mortgages are the collateral for these loans and their lack of durability can increase fha s financial risk in the event of default.

Hud at least used to require gutters. Department of housing and urban development 451 7th street s w washington dc 20410 telephone. You may also want to contact lending institutions in your area or the area where you want to purchase your home for additional. Title ii insures mortgages on qualifying manufactured homes sold with land and meeting other requirements.

It s the appraiser s job to look over the home make sure it meets fha standards and assign it a fair market value. The home equity conversion mortgage hecm includes the following requirements for manufactured. To be eligible for fha mortgage insurance the manufactured home must be built after june 15 1976 and there must be a certification label to prove it. It says gutters are required if either 1 the soil is such that excessive erosion or expansion will occur or 2 if the structure has overhangs less than 12 for a 1 story or 24 for a 2 story building.

If purchasing a new manufactured home it is key to discuss these requirements with the manufactured home dealer. Their 4910 1 minimum property standards for housing addresses gutters in sect.