PFGMH foundation certification for FHA, USDA, and conventional real-property-mortgage origination on manufactured homes. Five-day standard turnaround. Partner program for volume lenders. 100% county acceptance rate in 2025.
The PFGMH certification is required by FHA, USDA, and conventional agency guidelines whenever a manufactured home is being used as collateral for a real-property mortgage. It's not optional.
HUD 4000.1 II.D.4.b.i requires a PE certification that the foundation meets PFGMH § 3. The PFGMH cert is one of six required structural findings. Required for every FHA-insured manufactured-home mortgage.
USDA Handbook 1-3555, Chapter 13 requires a permanent foundation certification equivalent to PFGMH § 3 for guaranteed loans on manufactured homes. The same PE cert satisfies both FHA and USDA.
Fannie Mae Selling Guide B5-2-04 and Freddie Mac guidelines for manufactured homes require the home to be on a permanent foundation compliant with PFGMH § 3. PE certification is the standard documentation.
If the manufactured home is still titled as personal property (DMV title), the lender needs the home converted to real property before a real-property mortgage can be originated. That requires both the PFGMH cert and a recorded Affidavit of Affixation. Order both here as a bundle — one field visit, one invoice. Bundle detail →
Two tracks to match your pipeline. Order at application for maximum buffer; rush track for files with pressure.
Intake to recorded instrument (PFGMH + Affidavit bundle) or PE-sealed cert in your file (PFGMH only) in five business days. Order at loan application — the cert arrives before the appraisal does in most markets.
Field visit Day 1 (if access confirmed by noon), drafting and sealing Day 2, recording or delivery Day 3. Available for files with rate-lock expiration or close dates under a week out.
Rush surcharge: 40% on engineering fee. Same-day is possible for flagship-county files with confirmed foundation compliance from a prior inspection.
Lender branches and mortgage firms sending us regular volume qualify for discounted pricing, priority scheduling, and dedicated direct line to our P.E. Three tiers, no commitment fees, no contract minimums. Full partner program detail
Tier qualification is automatic based on rolling four-quarter file count. Submit your first few files under standard terms; we'll move you to Preferred when volume crosses the threshold. Full program detail at scapularengineering.com/partner →
Submit the address, the recording county, the target close. Acknowledgment within an hour. Quote same business day. Recorded within five business days.