See B4-1.3-04, Site Section of the Appraisal Report, for additional information about privately maintained streets. There must be adequate vehicular access and there must be an adequate and legally enforceable agreement for vehicular access and maintenance. If the property is not situated on a publicly dedicated and maintained street, then it must be situated on a street that is community owned and maintained, or privately owned and maintained. The manufactured home must be permanently connected to a septic tank or sewage system, and to other utilities in accordance with local and state requirements. The foundation system must be appropriate for the soil conditions for the site and meet local and state codes. The manufactured home must be attached to a permanent foundation system in accordance with the manufacturer’s requirements for anchoring, support, stability, and maintenance. Site preparation for delivery of the manufactured home must be completed. The manufactured home must be at least 12 feet wide and have a minimum of 400 square feet of gross living area.Įxcept for MH Advantage properties, Fannie Mae does not specify other minimum requirements for size, roof pitch, or any other specific construction details for HUD-coded manufactured homes. For further information about project review requirements, see Chapter B4-2, Project Standards. PERS approval is required for all condo, co-op, or PUD projects that consist of single-width manufactured homes. Lender approval, or in some cases Fannie Mae PERS approval, is required for condo and co-op projects that consist of multi-width manufactured homes. Otherwise, mortgages secured by manufactured homes located on leasehold estates are not eligible.Ī manufactured home may be located on an individual lot or in a project development.Ī project review is generally not required for a loan secured by a multi-width manufactured home located in a PUD project. The borrower must own the land on which the manufactured home is situated in fee simple, unless the manufactured home is located in a co-op or condo project.įor co-ops, both the land and dwelling must be owned by the co-op.įor condos, both the land and dwelling, including those located on leasehold estates, must be subject to the condo regime. The dwelling must assume the characteristics of site-built housing. The towing hitch, wheels, and axles must be removed. See B2-3-04, Special Property Eligibility Considerations for additional information. The manufactured home must be a one-unit dwelling that is legally classified as real property and cannot include an accessory dwelling unit. The unit must not have been previously installed or occupied at any other site or location, except from the manufacturer or the dealer’s lot as a new unit. (A list of IPIA offices is posted on HUD’s website.) A duplicate HUD Data Plate may also be available by contacting the In-Plant Primary Inspection Agency (IPIA) or the manufacturer. The Manufactured Home Appraisal Report (Form 1004C) must have photos of either the HUD Data Plate or the HUD Certification Label(s).Īs an alternative to the original HUD Certification Label(s) or the HUD Data Plate, the lender must obtain either a label verification letter with the same information contained on the HUD Certification Label(s) or duplicate HUD Data Plate from the Institute for Building Technology and Safety ( IBTS). The HUD Certification Label(s), sometimes referred to as a HUD “seal” or “tag,” is a metal plate located on the exterior of each section of the home. In addition to the data required by Fannie Mae, the Data Plate includes pertinent information about the unit, including a list of factory-installed equipment. The HUD Data Plate is a paper document located on the interior of the subject property that contains, among other things, the manufacturer’s name and trade/model number. (Both are required for new construction). If the original or alternative documentation cannot be obtained for either of these, the loan is not eligible for sale to Fannie Mae. Part 3280.Ĭompliance with these standards will be evidenced by the presence of either a HUD Data Plate or the HUD Certification Label(s) for each section of the home for existing construction. The Federal Manufactured Home Construction and Safety Standards that were established June 15, 1976, as amended and in force at the time the home is manufactured andĪdditional requirements that appear in HUD regulations at 24 C.F.R. The manufactured home must be built in compliance with
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