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Topic 4. Manufactured Homes Classified as Real Estate
January 1, 2001
Required Inspections
The following inspections are required on manufactured homes classified as real estate.
First and third (final) inspections:
To verify that the manufactured home is properly attached to the permanent foundation as specified in the construction exhibits, and that all onsite and offsite improvements are properly completed.
Special inspections:
As discussed in the topic Inspection Stages in this chapter, and as necessitated by the construction of other onsite improvements financed with the VA guaranteed loan.
Note: Second stage inspections are not generally required since manufactured homes are factory fabricated. Additional Inspections for Used Manufactured Homes
In cases involving a used manufactured home moved to the purchaser’s lot to be affixed to a permanent foundation, all of the following additional manufactured home inspection reports are required to ensure the safety of the dwelling:
Water-Plumbing Systems Inspection Report, VA Form 26-8731a
Electrical Systems Inspection Report, VA Form 26-8731b
Fuel and Heating Systems Inspection Report, VA Form 26-8731c, and
certification that the roof was coated after set-up on the site.
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These reports must be completed by qualified third-party inspectors, for example, experienced plumbers, electricians, heating and air-conditioning contractors and manufactured home service personnel, following the installation and setup of the manufactured home on the lot. The roof coating certification can be made by the lender.
Qualified Inspectors
While inspectors will perform only those inspections for which they are qualified, licensed manufactured home service personnel will be permitted to perform any of the required inspections.
Lenders must order the inspections and retain the original of the reports in their loan origination file. No loan on a manufactured home with unsatisfactory inspections is eligible for VA guaranty.