Requirements for Proposed, Under Construction and Existing < 1yr EFFECTIVE AS OF 2/8/2016

(See separate requirements for Manufactured Homes)

Proposed & MAR (approved prior to the beginning of construction by either a

Conditional Commitment, Early Start Letter, or MAR form 91322 for High Ratio loan)

Low Ratio loan: 90% and lower

1. Subterranean Termite Treatment Report – NPCA-99a & 99b Or NPMA-99a

& 99b (Termite State or County only)

2. Builders Certification (HUD 92541) (not for endorsement binder)

3. Final inspection by fee inspector (HUD 92051)

Or Building Permit (or equivalent) and C.O. (or equivalent) (except on

manufactured Home).

4. Health Authority Approval on Well & Septic if needed.

5. Flood insurance (elevation cert noted as SFHA)

High Ratio loan: 90.01% and higher

1. 1. Subterranean Termite Treatment Report – NPCA-99a & 99b Or NPMA-

99a & 99b (Termite State or County only)

2. Builders Cert. (HUD 92541)

3 1-year warranty (HUD 92544)

4. 10 year warranty and final inspection by fee inspector (92051)

Or

******3 inspections by fee inspector (HUD 92051)

Or

******Early Start letter and 3 inspections by fee inspector (92051)

Or

Building Permit (or equivalent) and C.O. (or equivalent) (except on

manufactured home).

5. Health Authority Approval if needed.

6. Flood insurance (elevation cert noted as SFHA)

******Only 2 inspections are required on a Modular home (like manufactured

housing).

Under Construction:

Low Ratio loan: 90% and lower

1. Subterranean Termite Treatment Report – NPCA-99a & 99b Or NPMA-99a

& 99b (Termite State or County only)

2. Builders Certification (HUD-92541) (not for endorsement binder)

3. Final inspection by fee inspector (92051)

Or Building Permit (or equivalent) and C.O. (or equivalent) (except on

manufactured home).

4. Health Authority Approval if needed.

5. Flood insurance (elevation cert noted as SFHA)

High Ratio loan: 90.01% and higher

1. 1. Subterranean Termite Treatment Report – NPCA-99a & 99b Or NPMA-

99a & 99b (Termite State or County only)

2. Builders Cert. (HUD 92541)

3. 1-year warranty (HUD 92544)

4. 10-year warranty & Final inspection by fee inspector (92051)

Or

Building Permit (or equivalent) and C.O. (or equivalent) (except on

manufactured home)

5. Health Authority Approval if needed.

6. Flood insurance (elevation cert noted as SFHA)

**If early start letter is in file – treat as proposed

Existing (New) < 1 year

Low Ratio loan: 90% and lower

1. Subterranean Termite Treatment Report – NPCA-99a & 99b Or NPMA-99a

& 99b (Termite State or County only)

2. Builders Certification (not for endorsement binder)

3. Health Authority Approval if needed.

4. Flood insurance (elevation cert noted as SFHA)

High Ratio loan: 90.01 % and higher

1. 1. Subterranean Termite Treatment Report – NPCA-99a & 99b Or NPMA-

99a & 99b (Termite State or County only)

2. Builder cert. (HUD 92541)

3. 1-year warranty (HUD 92544)

4. 10-year warranty

Or

Building Permit (or equivalent) and C.O. (or equivalent) (except on

manufactured home)

1. Health Authority Approval if needed.

2. Flood insurance (elevation cert noted as SFHA)

** If early start letter is in file – treat as proposed

VA loans (MCRV & CRV)

Builder’s cert. (HUD 92541)

Must meet all of the VA requirements on CRV or MCRV

Requirements for Manufactured Housing < 1yr (VA CRV/MCRV NOT ACCEPTABLE)

Proposed Manufactured Home (Approved prior to the beginning of construction by

either a Conditional Commitment or Early Start Letter for High Ratio loans):

Low Ratio loan: 90% and lower

1) Engineer’s certification

2) Subterranean Termite Treatment Report – NPCA-99a & 99b Or

NPMA-99a &99b (Termite State or County only).

3) Builders Certification (HUD 92541) (not for endorsement binder)

******4) Final inspection by fee inspector (HUD 92051)

5) Health Authority Approval for Well & Septic if needed

6) Flood insurance (elevation cert noted as SFHA)

High Ratio loan: 90.01% and higher

1) Engineer’s Certification

2) Subterranean Termite Treatment Report – NPCA-99a & 99b Or

NPMA-99a & 99b (Termite State or County only).

3) Builders Certification (HUD 92541)

4) 1 year Warranty (HUD 92544)

******5) 1st & final inspection by fee inspector (Engineer may complete 1

st inspection).

(There is no intermediate inspection)

or 10 year & Final Inspection by fee inspector.

or Early Start Letter, 1st & Final Inspection by fee inspector .

6) Health Authority Approval if needed.

7) Flood insurance (elevation cert noted as SFHA)

Under Construction Manufactured Home:

Low Ratio; 90.00% and less

1) Engineer’s Certification

2) Subterranean Termite Treatment Report – NPCA-99a & 99b Or

NPMA-99a & 99b (Termite State or County only).

3) Builders Certification (HUD 92541) (not for endorsement binder)

******4) Final Inspection by fee inspector (HUD 92051).

5) Health Authority Approval if needed.

6) Flood insurance (elevation cert noted as SFHA)

High Ratio; 90.01% and higher

1) Engineers’ certification

2) Subterranean Termite Treatment Report – NPCA-99a & 99b Or

NPMA-99a & 99b (Termite State or County only).

3) Builders Certification (HUD 92541)

4) 1-year warranty (HUD 92544)

5) 10-year warranty

******6) Final inspection by fee inspector (HUD 92051).

7) Health Authority Approval if needed.

8) Flood insurance (elevation cert noted as SFHA)

**If early start letter is in file – treat as proposed.

******Engineers and inspections from the local jurisdiction would be accepted in

areas where fee inspectors are not available. The lender must document their efforts to

obtain a HUD fee inspector in the HUD endorsement file.

Existing (New) <1 year Manufactured Home:

Low Ratio; 90.00% and less

1. Engineers’ certification

2. Subterranean Termite Treatment Report – NPCA-99a & 99b Or NPMA-99a

& 99b (Termite State or County only)

3. Builders Certification (HUD 92541) (not for endorsement binder)

4. Health Authority Approval if needed.

5. Flood insurance (elevation cert noted as SFHA)

High Ratio; 90.01% and higher

1) Engineers’ certification

2) Subterranean Termite Treatment Report – NPCA-99a & 99b Or NPMA-99a or

99b (Termite State or County only)

3) Builders Certification (HUD 92541)

4) 1-year warranty (HUD 92544)

5) 10-year warranty

6) Health Authority Approval if needed.

7) Flood insurance (elevation cert noted as SFHA)

**If early start letter is in file – treat as proposed

Existing over 1 year old Manufactured Home:

1) Engineers’ certification (except on FHA to FHA refinance or HUD REO if no

additions or modifications were made).

2) Flood insurance (elevation cert noted as SFHA)

Note: Existing Manufactured Home foundations not in compliance with the Permanent

Foundations Guide for Manufactured Housing may be “RETROFITTED” to required

standards. Engineer certification is required and a final inspection certifying compliance

must be submitted.