One regional engineering practice covering seven states: Missouri, Arkansas, Illinois, Kansas, Iowa, Nebraska, and Indiana. One engineer signs every report. Nine document formats for nine different recipients — FHA underwriter, conventional file, USDA RD field office, insurance carrier, dealer lot, cash buyer, new-install, disaster claim, refi reaffirmation.
The physical inspection is the same regardless of who's reading the result. What varies is the document we deliver: which handbook gets cited, which numbers populate the cover, which order the findings appear in. The ledger below is in volume order — FHA on top, refi at the bottom.
All six HUD 4000.1 II.D.4.b findings, formatted to the underwriter checklist. 98% first-submission approval, 2025.
Fannie Mae & Freddie Mac Selling Guide compliance — same six findings, restructured for conventional underwriting.
HB-1-3555 Ch. 13 compliance. PFGMH § 3 foundation certification with USDA-specific cover for RD field offices.
For carrier underwriters — Foremost, American Modern, Standard Casualty, regional. Format matched to carrier intake spec.
For cash buyers, private-sale buyers, homebuyers wanting independent verification before closing. Plain-English findings.
For manufactured-home dealers preparing used inventory for resale. Documents the home is foundation-ready, FHA-eligible-buyer-ready.
Post-installation verification on newly-set homes. Documents installer met manufacturer spec & PFGMH § 3.
Post-event structural inspection — tornado, hail, flood, foundation movement. PE-sealed findings for insurance claims.
For homes previously certified by another PE where refinance, repurchase review, or insurance audit requires a fresh structural opinion.
Four audiences make up roughly 90% of annual volume. Each reads a slightly different version of the same field visit; each has a recurring partner-tier discount structure available at scale.
FHA, conventional, USDA, VA. Direct-to-underwriter routing on confirmed pipelines.
Pre-resale inventory turn. Standing partner accounts; batch scheduling on lot inventory.
14 carriers on active intake with format templates. Policy origination & renewals.
Cash and private-sale buyers. Plain-English findings, no lender format required.
Every report has the same shape: cover sheet, narrative findings on the six HUD 4000.1 items, indexed photo appendix, certification page. Length varies with photo appendix depth; structure is invariant.
Property address, parcel, legal description, FHA case № (if applicable), HUD data plate values, loan or purchase identification, engineer of record. Single page; populates the underwriter or buyer's file index.
Six structural findings in HUD checklist order — foundation per PFGMH § 3, utilities, HUD data plate, HUD cert label, site work, towing equipment. Each finding cites its handbook reference, states a determination, points to its photo set.
Six numbered photo sets, one per finding. A reader who wants to verify Finding 04 flips directly to Photo Set 04. Indexed, not chronological. 30–60 photos typical.
Plain-language statement of structural compliance, engineer credentials, license number, $2M E&O carrier, direct contact. The page lenders detach for the loan-doc file.
Active PE licensure across Missouri, Arkansas, Illinois, Kansas, Iowa, Nebraska, and Indiana with reciprocal authority. The same engineer signs every report in every state — no per-state shell firms, no subcontracting.
From dealers, carriers, and direct buyers. See the full FAQ →
Both, plus seven other product types. FHA is roughly 44% of 2025 volume. For loan officers managing dedicated FHA pipelines, we run a specialty site at inspectfha.com — same engineer, same insurance, FHA-format reports only.
For everything else — conventional, USDA, insurance carrier, dealer pre-resale, cash buyer, new install, disaster, refi — the work runs through this practice.
The Permanent Foundations Guide for Manufactured Housing is HUD's engineering reference for what makes a manufactured-home foundation permanent. Section 3 covers pier specifications, footings, soil bearing, anchoring, skirting requirements.
A buyer's lender, an insurance underwriter, or an FHA case reviewer will ask whether the home's foundation meets PFGMH § 3 — because that's the line between a "permanent" foundation (mortgageable as real property) and a non-permanent one (chattel, mobile, harder to finance).
A generalist home inspector typically can't issue a PE-stamped structural opinion for a manufactured home. What the lender, carrier, or FHA-eligible buyer needs is a Professional Engineer's certification — not a home inspection. Different documents, different purposes.
Our pricing reflects PE work — $385–$525 base depending on product, single-section, with batch and partner-tier discounts. Quote returned same business day.
Drop the property address and what the report is for — FHA file, dealer inventory turn, insurance renewal, cash purchase, new install. Acknowledgment within one business day. Written quote same business day. Sealed PDF in 24 hours.
MFG Inspections is the manufactured-housing practice within the Scapular Engineering network. FHA pipelines, settlement packages, fintech-grade affixation, and aluminum-wire certifications all run through the same engineer of record, $2M E&O carrier, and seven-state license set.
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