Posted by joe-ga on May 04, 2009 at 18:29:34:
Their idea of a load bearing wall is blocks that run up to the base of the trailer.As long as they go to the bottom of the trailer wall, and covered with no cracks, thats load bearing… you can run the blocks or stucco up to the base of the trailer and put a piece of vinyl molding, or some concrete mixes mortor to make the allusion that the wall is load bearing… thats it.
Doublewide Permanent foundation help - Posted by jim (Colo)
Posted by jim (Colo) on April 26, 2009 at 21:02:27:
I want to purchased a double wide that is presently on blocks
and the banks want a permanent foundation.
Is there any easy way to accomplish this project?
I have two ideas: Dismantle the home, move it forward and install pier and beam then move home back and lower to new foundation or work under home in crawl space and install pier and beam. Both are work and much money.
Anyone of you old pro’s have any tips. Appreciate your input…
Re: Doublewide Permanent foundation help - Posted by Steve-WA
Posted by Steve-WA on April 30, 2009 at 07:29:50:
here:
http://www.creonline.com/mobilehomes/wwwboard4/messages/76143.html
try googling manufactured home fha foundation colorado, and read the first link - then keep digging. Great info.
Re: Doublewide Permanent foundation help - Posted by John (WA)
Posted by John (WA) on April 28, 2009 at 22:34:43:
Jim,
Depending on what the banks want you should try to get in touch with Steve(WA) from this site. He has used a foundation system that is fairly inexpensive, compared to pouring or moving and resetting, and is removable if you decide to take it later. It is a very cool system, I had his contact info at one time and I am sure that Tony does.
John
Re: Doublewide Permanent foundation help - Posted by Tony Colella
Posted by Tony Colella on April 27, 2009 at 05:05:00:
It depends upon what the lender defines as “permanent foundation.”
In most of my properties the “permanent foundation” was little more than block skirting. It did not support the home, it did not even touch the home. It was installed after the home was set.
For lenders requiring FHA type foundations you will need to look more closely at the specs. I have not yet had to do this so I defer to others.
I still believe that no moving of the home will be required as most all homes I have seen are set first then inspected and then the skirting or foundation installed.
Tony
hi John - Posted by Steve-WA
Posted by Steve-WA on April 30, 2009 at 07:19:05:
I am still contactable
Re: Doublewide Permanent foundation help - Posted by joe–ga
Posted by joe–ga on May 03, 2009 at 10:35:39:
FHA REQUIREMENTS-----
I do these quiet abit…here is what FHA requires for a “permanent foundation”
First , the supporting block piers must be double stacked, with cement blocks, and the blocks must be stuccoed with surewall, ( found at home depot)or lowes… piers must be within 10 ft apart…
here the kicker-----
a TIE DOWN MECHANISM, is to be placed on each side of the home front and back… here is apicture of this" tie down" if thats what you want to call it…
it doesnt do anything, but fha requires oyu have it… the swet is about $200 wholesale… and can be installed in about an hour…
after this is done, a #12 poly plastic MUST be placed on the entire surface of ground under the mobile home…for a vapor barrier.
then we go to the outside…
install a block wall or a pressure treated stucco wall all around the perimeter of the house leaving a 3x4 door made of pressure treated plywood…
then lets go up the wall abit and find the HUD PLATES---- these plates MUST be visible on both halves, if they have vinyl or something over them, you need to dig them out and replace them where the inspector can see them…
the house has to have a access door minimum of 3 ft. and an all weather driveway… and have a free access to the road as of a driveway… the tongues must be removed and out of sight, (you can slide them under the house ) tie downs must be placed every 19 ft into the ground from the straps provided by the manu, for tie downs…and thats about it…
I have done quiet a few of these, its not THAt hard as to when you finish you can get 3% down for your customer…and if they dont have the 3% there are grants provided by someone out there you pull out of the air(that fha finds) to pay their down payment… what a deal… to install the wind straps, put the plates provided in the ground under the beam,place blocks up to the beam, secure with wood wedges to make the pillow tight, then take the bars provided and place them on the other frame as shown on the directions… if this sounds kinda wild… and you need answers futher, email me. I will see if I can answer it… these serve no reason whatso ever, but they have to be there.
Re: Doublewide Permanent foundation help - Posted by jim (Colo)
Posted by jim (Colo) on April 29, 2009 at 08:28:46:
Thanks Tony,
I am looking at V.A. financing. Their position is the home must have peir & beam,placed below frost line (18" in S. Colo) The home cannot be moved forward as that would be considered “moving the home twice” and would disqualify the home for any financing.
The foundation must be poured without the home being moved in order to comply. Quotes from local contractors to do this have been 15 to 25K.
Re: Doublewide Permanent foundation help - Posted by Shawn Sisco
Posted by Shawn Sisco on April 27, 2009 at 06:24:54:
Jim, what you have described is what would be required if the bankers definition of “permanent foundation” is a poured foundation - If their definition is “poured and load bearing” then you should install beam pockets into inside wall forms and use I-beams to support the frame rails instead of pier blocks. The most cost effective method would be to find another lender.
term of FHA loan? - Posted by roundhouse
Posted by roundhouse on May 04, 2009 at 05:44:26:
Joe,
WHats the usual terms of the loan?
3% down 15 yr note?
Max age of doublewide?
I have a 98 model on 1.1 ac, Im interested in this as a possible exit…
Re: Doublewide Permanent foundation help - Posted by joe–ga
Posted by joe–ga on May 03, 2009 at 10:40:31:
here in jawja, there is exceptions to re-pouring the footings… you can dig down abit, pour a small footing and go from there… The ones I have done, I stuccoed using a pressure treated 2x4 on the ground, a 2x4 pressure treated small casing (basically frame in so you can put plywood over it) and then attach a 2x4 to the floor joist and put pressure treated plywood on it, then a concrete screen and then apply stucco… cement and sand… passed like a charm got some pics of the stucco _before and after–and also some putting the foundation wind tie down divice… (that dont work)