FHA Appraisal - additions

[Yvonne]

I went to the HUD site, found Handbook 4150.2, and went to Section 8-1. This is what I found:

"Additions or structural modifications may put the home at
risk if changes were not performed in accordance with the
HUD Manufactured Home Construction Safety and Standards. If
the appraiser observes changes to the original home, an
inspection by the State Administrative agency, which
inspects manufactured homes for compliance, must be
required. If there is no agency willing or able to inspect
existing homes for compliance to the Manufactured Home
Construction and Safety Standards, the manufactured home is
unacceptable and should be rejected."

The addition was completed in 1993. I do not know when this regulation went into effect, and am not sure how to find out. Nevertheless, does this section mean that county permits and sign offs are not enough, and that the state agency (HCD?) MUST inspect for compliance with the standards?

[rmurray]

This is interesting....often new manufactured homes are financed by FHA with all sorts of attached additions..such as garages..carports...covered decks....None of these are inspected by the state HUD agency...An FHA inspector does inspect them for compliance..but the appraser does not usually..

I do not know of any state agency that does on site inspections of additions to a home...I think I would not show this section to the appraiser...Probably the best appraoch would be for the appraiser to send an inquiry to the HUD regional office for clarification of the situation...All the appraiser has to do is justify him/herself to the FHA if there is a loss...if they have a regional office letter for guidance this is all that he/she should need..

Good Luck