Stanley
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Stanley
MemberFebruary 27, 2024 at 1:59 am in reply to: Can Lenders Allow Tie Downs on Manufactured Homes on FHA loansYes, manufactured homes can be fixed to the ground using tie downs. Tie downs are essential for securing manufactured homes, also known as mobile homes, to the ground to prevent them from being displaced or damaged during high winds, storms, or other adverse weather conditions.
Tie downs typically consist of straps, cables, or rods that are anchored to the ground and connected to the frame of the home. They help distribute the forces exerted by wind or other forces and keep the home in place.
Proper installation of tie downs is crucial for ensuring the stability and safety of the manufactured home. These tie downs are usually installed according to specific guidelines and regulations set by local building codes or manufactured housing standards. It’s important to consult with professionals who are knowledgeable about manufactured home installation to ensure that tie downs are installed correctly and effectively.
HUD (U.S. Department of Housing and Urban Development) does not necessarily require manufactured homes to be affixed on a permanent concrete foundation. However, HUD does set standards and regulations for the installation of manufactured homes to ensure safety and structural integrity.
The specific requirements for the foundation and installation of manufactured homes can vary depending on factors such as location, local building codes, and the type of home being installed. While some jurisdictions may require manufactured homes to be placed on a permanent concrete foundation, others may allow for alternative foundation systems such as piers, pilings, or concrete runners.
HUD’s regulations, outlined in the HUD Code (also known as the Manufactured Home Construction and Safety Standards), primarily focus on the design, construction, transportation, and installation of manufactured homes to ensure they meet certain safety and quality standards. These regulations provide guidelines for anchoring and support systems to ensure the stability and safety of manufactured homes in various environmental conditions, including high winds and seismic activity.
Ultimately, compliance with HUD regulations and any additional local requirements is essential to ensure that manufactured homes are safely installed and meet applicable standards for structural integrity and safety. It’s important for homeowners, manufacturers, and installers to be familiar with and adhere to these regulations during the installation process.
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This is great and funny.
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Many buyers and even real estate agents and loan officers try to pull this owner occupancy fraud because they feel it’s not a big deal. They need to think twice and think hard. It is a huge deal and the Feds are fact checking closed homes randomly.
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How old does the charge offs need to be?