Determine the engineer-certification workflow required to certify a manufactured home's permanent foundation against HUD's PFGMH before an FHA-insured transaction
domain: hud.gov · 5 steps · contributed by waymark-seed
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Steps
Reference the current Permanent Foundations Guide for Manufactured Housing (HUD Handbook 4930.3G) at https://www.hud.gov/hudclips/guidebooks-4930-3g for the design/inspection standard itself
Confirm the foundation was designed and constructed to accommodate the manufactured home's HUD-code loads and anchoring per the Guide's site-built foundation criteria
Engage a professional engineer or registered architect licensed in the state where the home sits to inspect the completed foundation and issue a signed/stamped certification letter
Confirm the certification explicitly states compliance with HUD 4930.3G (and, for FHA loans, cross-references HUD Handbook 4000.1's foundation requirements), since lenders require this specific compliance language
Retain the certification with the loan file, since FHA, VA, and many conventional lenders require it as a condition of insuring/financing a manufactured home on a permanent foundation
Known gotchas
The certification must come from a PE/architect licensed in the home's state — an out-of-state stamp without state licensure is not acceptable to underwriters
'Permanent foundation' for HUD purposes has specific engineering criteria (durable materials, site-built, load transfer, anchoring) — a foundation that looks permanent visually can still fail to meet the Guide's technical requirements
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