Manufactured Homes:
Special State Requirements

Information by State  Print version

Chapter 1
Appraisal and Property Requirements
Page 1-09b

Additions, Modifications, and Special State Requirements. Additions or structural modifications may put the home at risk if changes were not performed in accordance with the HUD Manufactured Home Construction Safety Standards. Some states require a state agency (often this is the State Administrative Agency) to approve all modifications to manufactured (mobile) homes once they leave the factory. The appraiser and underwriter are held responsible for knowing the local regulations on this. If the area where the manufactured home is located has such requirements, then the property must meet these requirements or it shall be deemed ineligible for FHA insurance.

If the appraiser observes changes to the original home, an inspection by the State Administrative Agency, which inspects manufactured homes for compliance, is required. If there is no State Administrative Agency willing to inspect such homes, the lender may obtain a report from a licensed professional engineer, indicating the structural modifications/additions were made in accordance with HUD's Manufactured Home Construction and Safety Standards (CFR 3280). Please see: HUD Handbook 4150.2 Chapter 8, Mortgagee Letter 1999-32 FAQ #47. If the certification cannot be obtained then the manufactured home is unacceptable and should be rejected.

The appraiser will complete VC-14b of the HUD-92564-VC (Notice to Lender Valuation Conditions) and note the nature and location of the addition or modification.

Please note: The use of the newly revised Fannie Mae appraisal reporting forms, and elimination of the VC sheet and Homebuyer summary, which have been adopted by FHA via Mortgagee Letter 2005-34, is optional between November 1, 2005 and the mandatory start date of January 1, 2006. The new protocol must be followed when using the new form whether it is done at the lender/client’s request or of the appraiser's choosing. This reference guide page will be further updated after January 1, 2006. For further information please contact your local HUD Homeownership Center.

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