FREQUENTLY ASKED QUESTIONS

What is an FHA Permanent Foundation?
What are the benefits of an FHA Foundation?
How much does a permanent foundation cost?
Can I finance the finance the foundation expense?
How can I determine if my existing foundation is FHA compliant?
Do you warranty your product?
How long will it take to install the system?
Do I have to move out while the improvements are being performed?
How much notification do you require prior to installation?
Are your products engineered and FHA compliant?
Can I transfer the warranty and engineering certificate?










What is an FHA Permanent Foundation?

Answer: A Permanent Foundation by definition must be “constructed of durable materials; i.e. concrete, mortared masonry, or treated wood – and be site-built. It shall have attachment points to anchor and stabilize the manufactured home to transfer all loads…to the underlying soil or rock”. The permanent foundations shall be structurally developed in accordance with the specified HUD Handbooks or be structurally designed by a licensed professional engineer for Vertical Stability and for Lateral Stability.

All manufactured homes seeking FHA Title II mortgage insured loans must have a permanent foundation which meets the requirements as defined in the FHA/HUD Handbook 7584 “Permanent Foundations Guide for Manufactured Housing”, dated Sept. 1996, and in addition, in accordance with HUD Handbook 4145.1, REV-2, Change 1, Feb. 14, 1992, “Architectural Processing and Inspections for Home Mortgage Insurance, paragraph 3-4”.






What are the benefits of an FHA Foundation?

Answer: A permanent foundation allows the homeowner to qualify for FHA or VA insured loans that feature low fixed rates. Additionally, the foundation is safer and will withstand higher winds and seismic activities. It also will likely have a greater market value and may qualify for lower insurance rates.





How much does a permanent foundation cost?

Answer: There are many factors involved in determining the cost of a permanent foundation but expenses generally range from a low of $800.00 to a high of $2000.00, plus the cost of an engineer’s certification (an engineer’s certification ranges from $400.00 to $600.00) They best way to determine cost is to order a quick bid.


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Can I finance the finance the foundation expense?

Answer: Yes, Home Tech provides short term financing on all of its retrofit foundation systems and can be paid at the close of escrow. We also offer a discount if the job is paid at the time of installation.





How can I determine if my existing foundation is FHA compliant?

Answer: Home Tech provides a FREE foundation assessment. Often, this can be achieved over the phone or with the information contained in the Quick Bid, in some cases it is necessary to physically evaluate the existing foundation. In any event, we can provide this service.





Do you warranty your product?

Answer: Yes, All retrofit foundation systems are warranted for one year.





How long will it take to install the system?

Answer: Most systems are installed in less than a day.





Do I have to move out while the improvements are being performed?

Answer: You will not need to move out as the utilities are not disconnected and there is little or no jacking to the home.





How much notification do you require prior to installation?

Answer: Home Tech can provide the installation with very little notification. We are prepared to install a retrofit foundation system WHEN YOU NEED IT NOW!





Are your products engineered and FHA compliant?

Answer: All Home Tech foundation systems are engineered be site specific and include an Engineering Certificate that is acceptable to FHA and VA lenders.





Can I transfer the warranty and engineering certificate?

Answer: Yes, Both documents are transferable to a new owner. It is important to keep these documents in a safe place.


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