🏠 Manufactured Home Foundation Inspections for Lenders in Florida

Required by Banks, FHA, and HUD Before Loan Approval

If you’re buying a Manufactured Home (also known as a Mobile Home) and applying for a home loan, it’s important to know that nearly every lender in Florida requires a Permanent Foundation Inspection before approving financing.

At Florida Builders Engineers & Inspectors (FBEIN), part of the My Florida Pros Network, our licensed Structural Engineers perform these HUD-compliant foundation inspections across the entire state — from Pasco County to Homestead, Florida — starting at just $295.00.

🧱 Why Lenders Require a Manufactured Home Foundation Inspection

Lenders such as FHA, VA, Fannie Mae, and conventional banks require a Permanent Foundation Certification by a Florida Licensed Engineer before they can close a manufactured home loan.

This inspection verifies that the home is properly secured to its foundation, meeting all HUD (U.S. Department of Housing and Urban Development) and state structural safety requirements. Without this certification, lenders cannot release funds or finalize the mortgage.

Many homebuyers don’t realize this requirement until the last minute — sometimes right before closing — which can cause major delays or even lost contracts.

👉 Avoid last-minute surprises: Schedule your foundation inspection early with Florida Builders Engineers & Inspectors to stay ahead of your lender’s requirements.

🏡 What Is a Manufactured Home?

A Manufactured Home is a factory-built single-family dwelling constructed under the HUD Manufactured Home Construction and Safety Standards Act (established June 15, 1976). These homes must meet national building standards that override all local codes — meaning they’re accepted by every Florida county and municipality.

Homes built before 1976 are considered Mobile Homes, which were constructed under earlier state codes that may not meet HUD standards.

Most manufactured homes are built off-site, transported to the property, and installed on a pier or slab foundation system. During installation, the wheels and axles are permanently removed, and steel straps and anchors secure the structure to the foundation to resist hurricane-force winds — a crucial part of Florida’s safety compliance.

🧰 What the Engineer Inspects

Our Florida-Licensed Structural Engineers perform a detailed evaluation that includes:

• Verifying all piers, tie-downs, and anchors meet HUD and state requirements.

• Confirming wheels, axles, and towing hitches have been removed.

• Inspecting crawl space access and strapping systems through side skirting.

• Assessing bracing, supports, and grade beams for structural stability.

• Ensuring the home complies with HUD Permanent Foundation Guidelines (HUD-4930.3G).

After inspection, you’ll receive a signed and sealed engineering report, which can be submitted directly to your lender for final loan approval.

🌴 Statewide Service — From Pasco to Homestead

Our engineers provide Manufactured Home Foundation Inspections throughout Florida, including:

• Pasco County: New Port Richey, Dade City, Zephyrhills, Wesley Chapel, Holiday

• Pinellas County: Clearwater, St. Petersburg, Largo, Pinellas Park

• Highlands County: Sebring, Avon Park, Lake Placid

• Central Florida: Lakeland, Orlando, Kissimmee, Davenport, Clermont

• Southwest Florida: Fort Myers, Cape Coral, Naples

• Southeast Florida: Miami, Hialeah, Homestead, Fort Lauderdale, Hollywood, Pembroke Pines

With over 5,000 foundation inspections completed, Florida Builders Engineers & Inspectors is the most trusted name in HUD/FHA Manufactured Home Certification statewide.

🏗️ Trusted by Lenders & Homebuyers

Well-respected lending institutions across the U.S. — including FHA, VA, Bank of America, Wells Fargo, and Rocket Mortgage — rely on Florida Builders Engineers & Inspectors to certify the foundation integrity of manufactured homes.

Our inspections are accepted by every major lender and comply with HUD/FHA guidelines for manufactured housing.

✅ Licensed Florida Engineers
✅ Fast Turnaround – Reports in 24–48 Hours
✅ Starting at $295.00
✅ Accepted by All Lenders & Underwriters
✅ Serving All Florida Counties

📞 Schedule Your Manufactured Home Foundation Inspection

Don’t wait until closing to find out your lender requires this report. Get certified early and avoid costly delays.

Call 877-894-8001 or visit www.fbein.com to schedule your inspection anywhere in Florida — from Pasco County to Homestead.

Florida Builders Engineers & Inspectors
The #1 Choice for Manufactured Home Foundation Inspections in Florida