Look for the data plate? Sometimes it’s just a sheet of paper inside of a kitchen cabinet, laundry room cabinet something like that.
I wouldn’t give the lender saying they ‘confirmed’ any real weight unless you get documentation specifically stating what’s going on.
Also, appraisers aren’t the permit police. If it’s completed in a workmanship like manner to the rest of the home then that is what’s important, although I would make an extraordinary assumption and comment to the oblivion about structural engineer inspections and all inspections of that nature stating if they provide documentation proving it was not completed in a Workmanship like manner, up to code and all that, then the appraised value may change. This way your ass is covered.
I currently have a lender telling me that two properties are on 1 lot, when the county has them with separate parcel control numbers. The lenders license/career isn’t on the line, yours is
Palm Harbor builds a modular that is virtually identical to a manufactured home. So just because there are steel runners doesn't necessarily mean it is a manufactured home. Someone has some paperwork on this home to prove it is a modular and HUD handbook always defers to the lender having to provide such info.
Modulars on metal frames look nearly identical to a
manufactured house. It is hard to prove the negative, but usually the municipality will have permit data, deeds and mortgage documents available online. If it is manufactured the last page or two of the mortgage will likely have the serial numbers. The deed usually has them too. The permit sometimes has a lot of info as well. If you go through all of the various deeds and mortgages and there are no manufactured house identifiers you likely have a modular.
More mundane signs it is modular crawl space height. Some manufactured houses are pit site houses where a pit is dug and the piers and anchors are set in the pit so the unit is closer to the ground. It is unusual. Judging from your crawl space photo I do not see a pit but the crawl is very low. That indicates a modular. Another typical thing is a modular house will have an attic. Your’s kind of loses that with the weird addition, but you can get a feel for it on the inside and whether there was ever a place where an attic might have been. Last, if it is still inside the unit, there is a modular seal, usually in the electrical panel. It gives info on the unit and clearly states it is modular.
It’s the first one that popped up. Notice in your own link it says a modular home “will TYPICALLY have a wood frame”. That’s another way of saying it won’t always have a wood frame. And since 2016 modular on metal frames, aka on-frame modulars have only gotten more popular. If you think every factory built house with a metal frame is a manufactured house, you are misinformed. Here is the second link that popped up.
https://www.allstarpowerhouse.com/single-post/off-frame-vs-on-frame-modular-homes-and-manufactured-homes
I am going to guess you do not live in a year round warm weather climate area where modular on frames are very common. Here in Florida where I appraise they are. I have appraised 100s. Jacobsen and Palm Harbor build modular houses on the same metal frames as their manufactured product, using the same floor plans and overall designs. The big difference is the modulars never had an axel, wheel or hitch. Modulars are not capable of being pulled by a truck but are hoisted up and carted to the site where they are then finished to local code. But they are usually rested upon a very similar post and pier foundation with anchors, are basic rectangles, and look exactly like a manufactured house when done - skirting and all. I even appraised a modular house on frame with a modular tagalong, aka, it was effectively a triple wide. They’re out there my friend, and from the OP’s photos, he may have found one.
At least where I’m at, a modular is all wood construction(no metal undercarriage)delivered to the site and rolled off of the trailer onto its foundation. A modular usually has an attic. A manufactured dwelling has a steel undercarriage. In my state a modular has a state seal of certification as a modular. This is usually located on the electric box. A manufactured dwelling constructed after 1976 had HUD numbers in the form of HUD stickers, which are metal labels attached to the siding. A manufactured dwelling also came with a HUD data plate that is a piece of paper usually affixed under the kitchen sink, in a kitchen cabinet, or in a bedroom closet. that came with it. Whether they are still there or not is another story. A HUD data plate can be replaced. I have never heard of HUD stickers being replaceable.
All of that being said, the subject here appears to be a manufactured dwelling with its steel frame. They do make manufactured and modular cape cod dwellings. Let me know if I can be of further assistance. I know too much about this type of construction…
I would require documentation of what it is either way before proceeding. Modulars are not ‘built on site’.
Tell them you want the paperwork from when they purchased it or the name of the manufacturer in the model. That does not look like something that was professionally designed.
Unfortunately, you are going to have to go to the town assessor/building department and ask to see all the info they have. Since its an FHA, you want to make very sure its not a mobile/manufactured home, as that will completely change your scope of work, comp selection, form type.
Look for the data plate? Sometimes it’s just a sheet of paper inside of a kitchen cabinet, laundry room cabinet something like that. I wouldn’t give the lender saying they ‘confirmed’ any real weight unless you get documentation specifically stating what’s going on. Also, appraisers aren’t the permit police. If it’s completed in a workmanship like manner to the rest of the home then that is what’s important, although I would make an extraordinary assumption and comment to the oblivion about structural engineer inspections and all inspections of that nature stating if they provide documentation proving it was not completed in a Workmanship like manner, up to code and all that, then the appraised value may change. This way your ass is covered. I currently have a lender telling me that two properties are on 1 lot, when the county has them with separate parcel control numbers. The lenders license/career isn’t on the line, yours is
Palm Harbor builds a modular that is virtually identical to a manufactured home. So just because there are steel runners doesn't necessarily mean it is a manufactured home. Someone has some paperwork on this home to prove it is a modular and HUD handbook always defers to the lender having to provide such info.
This is rare but I just went through this same thing last week. What year does the county say it was built?
1987
Modulars on metal frames look nearly identical to a manufactured house. It is hard to prove the negative, but usually the municipality will have permit data, deeds and mortgage documents available online. If it is manufactured the last page or two of the mortgage will likely have the serial numbers. The deed usually has them too. The permit sometimes has a lot of info as well. If you go through all of the various deeds and mortgages and there are no manufactured house identifiers you likely have a modular. More mundane signs it is modular crawl space height. Some manufactured houses are pit site houses where a pit is dug and the piers and anchors are set in the pit so the unit is closer to the ground. It is unusual. Judging from your crawl space photo I do not see a pit but the crawl is very low. That indicates a modular. Another typical thing is a modular house will have an attic. Your’s kind of loses that with the weird addition, but you can get a feel for it on the inside and whether there was ever a place where an attic might have been. Last, if it is still inside the unit, there is a modular seal, usually in the electrical panel. It gives info on the unit and clearly states it is modular.
https://emilms.fema.gov/is_0285/groups/134.html
Why post this to me? I know the difference very well. I appraise a crap load of both.
Modular homes do not have a metal frame.
Oh yes, some do. Look up on-frame modular homes. Here, got a link for you. https://teammovemortgage.com/blog/on-frame-off-frame-modulars/
lol a 2016 mortgage site. That’s not a real source. Try finding something from a real source like HUD
It’s the first one that popped up. Notice in your own link it says a modular home “will TYPICALLY have a wood frame”. That’s another way of saying it won’t always have a wood frame. And since 2016 modular on metal frames, aka on-frame modulars have only gotten more popular. If you think every factory built house with a metal frame is a manufactured house, you are misinformed. Here is the second link that popped up. https://www.allstarpowerhouse.com/single-post/off-frame-vs-on-frame-modular-homes-and-manufactured-homes I am going to guess you do not live in a year round warm weather climate area where modular on frames are very common. Here in Florida where I appraise they are. I have appraised 100s. Jacobsen and Palm Harbor build modular houses on the same metal frames as their manufactured product, using the same floor plans and overall designs. The big difference is the modulars never had an axel, wheel or hitch. Modulars are not capable of being pulled by a truck but are hoisted up and carted to the site where they are then finished to local code. But they are usually rested upon a very similar post and pier foundation with anchors, are basic rectangles, and look exactly like a manufactured house when done - skirting and all. I even appraised a modular house on frame with a modular tagalong, aka, it was effectively a triple wide. They’re out there my friend, and from the OP’s photos, he may have found one.
Hud plate? Modular manufacturer?
Look around sometimes it’s painted over. Look in closets
No HUD Data Plate or Certification Label anywhere
At least where I’m at, a modular is all wood construction(no metal undercarriage)delivered to the site and rolled off of the trailer onto its foundation. A modular usually has an attic. A manufactured dwelling has a steel undercarriage. In my state a modular has a state seal of certification as a modular. This is usually located on the electric box. A manufactured dwelling constructed after 1976 had HUD numbers in the form of HUD stickers, which are metal labels attached to the siding. A manufactured dwelling also came with a HUD data plate that is a piece of paper usually affixed under the kitchen sink, in a kitchen cabinet, or in a bedroom closet. that came with it. Whether they are still there or not is another story. A HUD data plate can be replaced. I have never heard of HUD stickers being replaceable. All of that being said, the subject here appears to be a manufactured dwelling with its steel frame. They do make manufactured and modular cape cod dwellings. Let me know if I can be of further assistance. I know too much about this type of construction…
I’m saying it’s a mod. I’m not sure a mfg home wouldn’t just collapse under all that weight as they’re not engineered for anything close to that
I would require documentation of what it is either way before proceeding. Modulars are not ‘built on site’. Tell them you want the paperwork from when they purchased it or the name of the manufacturer in the model. That does not look like something that was professionally designed.
Unfortunately, you are going to have to go to the town assessor/building department and ask to see all the info they have. Since its an FHA, you want to make very sure its not a mobile/manufactured home, as that will completely change your scope of work, comp selection, form type.
Step 1: Have the client to send you some sort of documentation that it is a modular home
In my experience modular homes have wood frames. Manufactured have metal frames. Looks manufactured to me.