At Mike's Complete Home Inspection, we often encounter questions about the necessity of obtaining a HUD Permanent Foundation Certification, especially from homeowners who already have an affidavit of affixture. Let's clarify why both are crucial for your peace of mind and property value.
What is a HUD Permanent Foundation?
According to HUD (Housing and Urban Development), a permanent foundation is a foundation fixed on-site using durable materials such as concrete, treated wood, or mortared masonry. It includes attachment points to anchor and stabilize your manufactured home, ensuring all loads are effectively transferred to the underlying soil or rock. This foundation type is essential for the longevity and safety of your home.
Affidavit of Affixture vs. HUD Permanent Foundation Certification: What's the Difference?
Affidavit of Affixture: This legal document ties your land and home together under one title, signifying that your manufactured home is permanently attached to the land it sits on. Without this affidavit, you'd have separate titles for the land and the manufactured home.
HUD Permanent Foundation Certification: Beyond the affidavit, this certification attests that your home's foundation meets specific HUD standards for permanent foundations. This certification is often required by lenders for financing, can affect insurance qualifications, and is crucial for ensuring your home's safety and integrity.
Why Do You Need Both?
Simply put, the affidavit of affixture legally binds your home to your land, while the HUD Permanent Foundation Certification ensures your home's foundation is safe, durable, and compliant with HUD's stringent requirements. Together, they provide a comprehensive safeguard for your investment, facilitating financing options, enhancing property value, and ensuring peace of mind regarding your home's stability and compliance.
At Mike's Complete Home Inspection, we're here to guide you through the process of securing both documents, ensuring your manufactured home is set up for success. Questions? Drop us a message or call us today!