How to Get an FHA Certificate for a Florida Double Wide Manufactured Home.

By 911Loan

How to Get an FHA Certificate for a Florida Double Wide Manufactured Home.

FHA’S Federal Housing Authority is the lending arm of the Florida Housing and Urban Development administration. The Federal Housing Administration is not a direct lender; rather it approves certain Florida Mortgage lenders, insures their secured FHA loans, and maintains the rules and guidelines for FHA manufactured mortgage financing. The FHA does allow for Florida manufactured home mortgages on Florida mobile homes including doublewides, but those mortgages must be approved with a foundation certificate. A professional engineer must review and approve these certificates.

First you must have the Title to mobile home.

Step 1

Apply with us for an FHA Mortgage we service all of Florida.

Step 2

Give your us a copy of the title to the double wide. This title must confirm that the Florida manufactured was built after June 15, 1976–this is a non-negotiable aspect of the property compliance certificate. Any property built before this date is not eligible for FHA mortgage.

Step 3

Schedule foundation engineer . This person will conduct the foundation assessment necessary to grant an FHA certificate of compliance.

Step 4

Keep a copy of the title to the Florida mobile home for when the engineer arrives–she may need to double-check the ownership report. Clear all debris, vehicles, lawn decorations, and patio furniture from the base of the mobile home. Florida FHA mortgage lenders want to make sure the mobile home is no longer “mobile.” This means the engineer must find sufficient evidence that the Florida home sits on a viable foundation. He must be able to see the entire foundation.

Step 5

Answer any questions the FHA foundation engineer has about the structure, the land and when you purchased Florida manufactured home. Be prepared to show the engineer the interior of the mobile home, too.

Step 6

Contact your FHA loan officer a few days after the visit by the engineer. This should be a sufficient period of time for the underwriters and FHA loan officer at the FHA-approved mortgage lender to review the report, and deny or approve the foundation certificate.

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