Tie Down Straps For A Mobile Home

[Paul Pendley]

Here is the copy from the HUD website as I know it.....and now have Professional Engineers thru out the state of CA that do these certifications now.

Manufactured Homes
Foundation Compliance

Information by State
Print version

Chapter 1
Appraisal and Property Requirements
Page 1-09d
All foundation systems, new and existing, must meet the guidelines published in the Permanent Foundations Guide for Manufactured Housing (HUD-4930.3G), dated September 1996. A certification attesting to compliance with this handbook must be obtained from a licensed professional engineer and included in the insuring file. This procedure does not apply when the current FHA borrower refinances their loan. It is applicable for all re-sales.

[Paul Pendley]

I will say that the rule "does not apply to refinance" Is not applicable when the loan is a reverse mortgage.

[William Warner]

Originally Posted by grusk

In Ohio you are required to be certified by the Ohio Manufactured Homes Commission. To get certified you take the State of Ohio Manufactured Home Installation/Inspection Course (16 hrs), then the ICC certification test based on the course and the Ohio Manufactured Homes Installation & Inspection Manual.

Gary

I'm no legislator, but I believe this requirement is only for compliance inspections/inspectors of new and used manufactured home installations for OMHC compliance and/or compliance with Ohio Department of Health and the ability to place the "seal of approval" prior to occupancy. Much like an AHJ issuing the Certificate of Occupancy.

Inspection Authority.pdf

http://www.omhc.ohio.gov

[James E. Braun, CMI]

Originally Posted by ppendley

I will say that the rule "does not apply to refinance" Is not applicable when the loan is a reverse mortgage.

FHA does requires this an engineer stamp on a refi.

[Paul Pendley]

You should read my post again.

[wsiegel]

Originally Posted by dviehman

Are we as NACHI inspectors certified to inspect a mobile home to verify that it has tie down straps?

Are you going to know if the proper rod was used? Stabilizer bars? Do you know the proper angles for installation? Do you know how many straps are needed?

[Karl E. Gerhauser]

I do these all the time, HUD, FHA, and VA do require an Engineer cert. for new and re-fi. Federal, not state specific. I have never heard of an insurance co. asking for this, if someone has info sign me up. I have had many problems with Hayman, You are not allowed to say anything to the client. They want the fee to see no tie-downs then a re-inspect fee after they are in. They also send a quote of over $2,000 for installation by a local contractor. I will still do them if they have found the job, but don't like it. I am connected with https://www.foundationcerts.com , A PE out of Klamath falls. We call before going out to find out if there are tie-downs as Oregon does not require, them but FED does. I work with the lenders to provide this service and get paid more than Hayman.

[Brian C. Hoagland]

Originally Posted by wsiegel

Are you going to know if the proper rod was used? Stabilizer bars? Do you know the proper angles for installation? Do you know how many straps are needed?

I used to do these for an engineer and and there are a lot of components to be examined and a lot of variables to be considered in Florida. Suffice it to say that HI's can inspect the home but should defer any foundation issues or commentary to an enginner. On a conventional loan or cash sale there is no requirement for an engineers certification but FHA does require it and the inspector should meet all state qualifications or may be liable for a fine if he issues a report which is deemed to certify the support and tie down system. These older mobile homes and the manner in which they have been constructed almost (unless retrofitted) never even come close to the current code and FHA loans require them to be compliant with the newest code. The codes take into consideration wind speeds and the acceptable tie down system even varies with location due to that.