FHA Inspections

[Emmanuel J. Scanlan]

Originally Posted by Randy King

So if I am reading this correct, any individual qualified can perform FHA/HUD so long that is not 203k inspections? I was always under the assumption that you could not do any FHA/HUD work unless you were a 203k inspector....someone set me straight im confused.

Randy,

At this time the only requirements for FHA/HUD inspections are 203K Loan (Rehab loan) inspections, HUD 92051 Compliance Inspections, and manufactured (mobile) home permanent foundation inspections. The first two require HUD certs/registration. The permanent foundation require a certification from a licensed Engineer.

Whenever I receive a call I try to illicit a response as to what type of loan they are attempting to obtain. If it is any HUD backed loan I then ask questions to make sure it is not new home construction, purchase loan with rehab costs included (203K) or a manufactured (mobile) home. If it is not any of those three then the only requirements are licenes for those states that require it. Many buyers, mortgage people (yes, mortgage people) and RE Agent do not fully understand the inspection requirements for the different loan types. As a result if you don't ask and just show for an inspection you, or more likely the buyer, will receive an expensive surprise.

[Bruce Thompson]

Originally Posted by mivie

I got a request to do a finale on a new mobile home today. (HUD)
are there any certain forms I need? or do you just do a normal report.

I think it may have been explained above, but to do a mobile home foundation, you must be an engineer.

Bruce

[mivie]

I use Hayman for the engineer cert. I just take the photos, but this office is asking for something more than the foundation.

[Paul Pendley]

I sub any HUD/FHA bank request for Pemanent Foundations for Manufactured Homes inspections to an Engineer that has been doing work for me several years. He does a good job for me and the banks are happy.....Most being the Reverse Mortgage industry. Any other inspection except the 203k can be done by a home inspector according to HUD publication 88-25. I have posted this info several times on this message board including the actual letter. Hope this helps.