HUD ENGINEERING CERTIFICATE
For FHA loans involving manufactured homes, an Engineer's Certificate is a mandatory requirement set forth by the FHA to guarantee the structural soundness of the manufactured home's foundation, thus reducing their associated risk. As stipulated by the U.S. Department of Housing and Urban Development (HUD) guidelines, this certification must adhere to the Permanent Foundation Guide for Manufactured Housing (PFGMH) manual.
The standard practice within the industry for the engineer's certificate involves confirming the "presence of foundation components." Ideally, our objective is to conduct a thorough evaluation of numerous foundation parameters and compare their values against those specified in the PFGMH manual. This evaluation includes verifying the dimensions and spacing of support piers, as well as the dimensions and spacing of vertical and horizontal anchorage components. Furthermore, we assess whether the capacity of the manufactured home foundation components exceed the expected loads that may be encountered throughout its lifespan.
HUD 203(K) LOAN
A 203(k) loan lets the average homeowner or buyer purchase or refinance a home and include the cost of repairs or renovations in a single loan. This makes it easier to fix up a property that needs updates, repairs, or modernization without paying out of pocket.
As a 203(k) consultant, we guide clients through every step of the process. We perform property inspections, create detailed work write-ups, prepare cost estimates, and ensure all repairs meet HUD standards. We also coordinate with contractors, appraisers, and lenders, helping to keep the project on budget and on schedule. By managing the technical and administrative aspects, we ensure a smoother renovation experience and give homeowners confidence that their project will be completed properly and efficiently.