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All manufactured home permanent foundation systems must comply with the guidelines set forth by the FHA. A residence that is manufactured off-site in a factory under the federal building code administered by the Department of Housing and Urban Development (HUD). The Federal Manufactured Home Construction and Safety Standards (commonly known as the HUD Code) went into effect on July 15, 1976.

This is NOT to be confused with an Affidavit of Affixture. The Affidavit of Affixture is a method of affixing a manufactured home to be part of real property/real estate. Essentially, it is a document stating the title has been converted from mobile to real property/real estate.


An Engineer’s Certification on Foundation Compliance with the PFGMH (Permanent Foundations Guide for Manufactured Housing) (HUD-4930.3G) must be:

  1. Completed by a licensed professional engineer or registered architect, who is licensed/registered in the state where the manufactured home is located
  2. Site-specific and contains the engineer’s or registered architect’s signature, seal, and/or state license/certification number. In states where seals are issued, the seal must be on the certification
  3. Contained in both the lender’s loan file and the insuring binder when submitted to FHA
  4. The foundation certification, showing that the foundation meets the guidelines published in the PFGMH that were in effect at the time of certification, is acceptable for future FHA loans, provided there are no alterations and/or observable damage to the foundation

An Engineer’s Certification on Foundation Compliance is not required in the loan file or insuring binder for:

  1. Any FHA-to-FHA transaction provided that no modifications have been made to the foundation or structure from the date of the effective certification
  2. FHA/HUD Real Estate Owned (REO) Division sales