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HUD Foundation Inspections for Manufactured Homes in West Tennessee

When it comes to manufactured homes, proper foundation compliance isn’t just important — it’s required. At Upchurch Inspection, we provide HUD/FHA Foundation Inspections and Certifications for manufactured homes across the Memphis and West Tennessee area, ensuring your property meets all federal lending and engineering standards. Our inspections give buyers, sellers, lenders, and homeowners the confidence that the foundation is safe, permanent, and fully compliant.

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What is a HUD Foundation Inspection ?

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A HUD Foundation Inspection (sometimes called a Permanent Foundation Certification) is a specialized evaluation required by many lenders — including FHA, VA, and USDA — before financing or refinancing a manufactured home. These inspections determine whether the home is permanently affixed to its foundation and constructed in accordance with the U.S. Department of Housing and Urban Development (HUD) standards.

Without this certification, a manufactured home typically cannot qualify for government-backed loans or certain types of refinancing. Upchurch Inspection works directly with a licensed structural engineer to provide full documentation and formal certification following your inspection.

What We Evaluate During a HUD Foundation Inspection

Our inspection and engineering report include a detailed review of the home’s foundation and surrounding site to verify compliance with HUD standards, including:

  • Permanent anchoring and tie-down systems — ensuring the home is securely attached to the foundation and protected against movement or uplift.

  • Foundation support structure — confirming that footings, piers, and load points are properly designed to bear the home’s weight.

  • Site grading and drainage — evaluating slope and runoff to prevent flooding or water intrusion under the home.

  • Crawlspace or basement conditions — checking access, ventilation, and moisture control.

  • Additions or structural attachments — ensuring porches, decks, garages, and similar additions are independently supported and compliant.

  • Flood zone and soil stability — verifying the home’s placement and resistance to water-related displacement.

Each inspection is documented with photographs, measurements, and findings for review by our partnering engineer.

Why a HUD Foundation Certification is Required

If you’re purchasing, refinancing, or selling a manufactured home, most mortgage lenders and government-backed loan programs will require proof that the home meets HUD’s Permanent Foundation Guide for Manufactured Housing (PFGMH).

This certification ensures that:

  • The home is permanently affixed to real property.

  • The foundation system provides long-term structural stability.

  • The property meets HUD/FHA, VA, and USDA lending criteria.

Without a compliant inspection and engineer-certified report, the loan may be delayed or denied.

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What You’ll Receive

After completing your inspection:

  • A licensed structural engineer will review your report and photos.

  • A formal HUD Foundation Certification will be issued within 2–3 business days if the home meets all requirements.

  • If any deficiencies are identified, the report will include specific corrections needed for compliance.

All documentation is delivered electronically for your records and can be sent directly to your lender upon request.

What We Evaluate During a HUD Foundation Inspection

Our inspection and engineering report include a detailed review of the home’s foundation and surrounding site to verify compliance with HUD standards, including:

  • Permanent anchoring and tie-down systems — ensuring the home is securely attached to the foundation and protected against movement or uplift.

  • Foundation support structure — confirming that footings, piers, and load points are properly designed to bear the home’s weight.

  • Site grading and drainage — evaluating slope and runoff to prevent flooding or water intrusion under the home.

  • Crawlspace or basement conditions — checking access, ventilation, and moisture control.

  • Additions or structural attachments — ensuring porches, decks, garages, and similar additions are independently supported and compliant.

  • Flood zone and soil stability — verifying the home’s placement and resistance to water-related displacement.

Each inspection is documented with photographs, measurements, and findings for review by our partnering engineer.

Why Choose Upchurch Inspection for Your HUD Foundation Certification

Wesley Upchurch, Home Inspector

Upchurch Inspection is proud to be West Tennessee’s trusted source for manufactured home foundation inspections and certifications. Our inspectors are trained, certified, and experienced in evaluating manufactured housing foundations according to HUD, FHA, and VA lending standards.

We provide:

  • Fast turnaround times — reports typically issued within 48–72 hours.

  • Engineer-certified documentation accepted by lenders nationwide.

  • Professional communication with buyers, sellers, and loan officers.

  • Local expertise — serving clients across Memphis, Covington, Jackson, Somerville, Bolivar, and surrounding communities.

Whether you’re buying, selling, or refinancing a manufactured home, we make the process simple, compliant, and stress-free.

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Don’t let missing certification paperwork delay your closing or financing.

Contact Upchurch Inspection to schedule your HUD/FHA Foundation Inspection anywhere in West Tennessee.