Nine products. One field visit. Pick by recipient.

The single largest line of work. FHA-insured purchase or refinance on a manufactured home requires a Professional Engineer's structural certification, formatted against HUD Handbook 4000.1 Section II.D.4.b — six specific findings the underwriter checks off in sequence. 2025 first-submission approval rate: 98%.

Underwriters and FHA case reviewers we work with regularly recognize the format on sight; the cover sheet includes the HUD case number field, the data-plate transcription block, and the photo-set index keyed to the six findings. The report doesn't have to be read — it has to be checked.

For loan officers managing dedicated FHA pipelines, the same engineer runs a specialty-format site at inspectfha.com — reports are sealed identically; the wrapper site is just FHA-only.

For Fannie Mae and Freddie Mac conventional loans on manufactured homes, the engineering certification follows Selling Guide section B5-2-04. The six findings are the same as FHA, restructured to mirror Fannie's checklist order. The cover sheet references the conventional loan number rather than an FHA case number; the narrative cites the Selling Guide rather than 4000.1.

Volume is smaller than FHA — conventional manufactured-home lending is a narrower segment — but the work is identical in the field. Different cover sheet, same inspection.

USDA Rural Development loans — the Guaranteed Loan Program and the Direct Loan Program — require a structural certification on any manufactured home being placed or financed in an eligible rural area. The reference is USDA Handbook 1-3555 Chapter 13, which itself points back to HUD's PFGMH for foundation-permanence criteria.

USDA RD field offices are smaller and more relationship-driven than FHA HOCs. We route USDA reports directly to the local field office with a cover memo identifying the case number and loan officer of record.

Insurance carriers writing manufactured-home policies typically require a structural certification at policy origination, sometimes again at renewal cycles. The format is carrier-specific — fourteen carriers are on our active intake list with format templates already mapped.

Common carriers in the working trade include Foremost (Farmers subsidiary), American Modern, Standard Casualty, MetLife/MAPFRE, and regional specialists. The certification answers the underwriter's exposure questions rather than a lender's collateral questions: foundation permanence, anchoring, skirting, condition of structural elements.

Because carriers don't use HUD 4000.1, the cover sheet differs and the narrative reorders findings. The field visit is invariant.

For cash buyers, private-sale buyers, or homebuyers who want independent verification before closing — especially common when buying off a private seller or auction lot. Same six findings, written in plain English rather than HUD-handbook prose.

This product is also the most common entry point for buyers who don't yet know if they'll be financing FHA, conventional, or cash. We can re-issue the same field findings in any lender format later if the loan path changes, for a nominal re-format fee.

The single largest line by inspection count — 412 reports across 23 dealer accounts in 2025. Manufactured-home dealers preparing used or trade-in inventory for resale want certification in hand before the home lists. A buyer's lender will need the report later; pre-certifying compresses the eventual close.

Dealer reports include a one-page sellable-condition summary up front (for the dealer's lot manager) and the full PE-sealed structural report behind it (for the eventual buyer's lender). Dealers with twelve-plus annual inspections move to a partner-tier discount.

Post-installation verification for newly-set homes — pier installation, anchoring, skirting, tie-downs, utility connections. Documents that the installer met manufacturer specifications and PFGMH § 3. Required by some state programs, by some carriers, and by FHA on new-construction MH loans before final-completion disbursement.

We coordinate with the installer's schedule — field visit happens within 24 hours of the install crew's sign-off, sealed report within 24 hours.

Post-event structural inspection for insurance-claim documentation. Tornado tracks across the Missouri-Arkansas-Illinois corridor, hail-belt damage, riverine flooding along the Mississippi and Missouri, and foundation-movement events on expansive soils. 2025 was a heavy weather year: 47 events.

Disaster reports are urgent and routed directly to the homeowner's adjuster with copies to the insured. Site-rate pricing reflects deployment time and travel; quotes turn within an hour during active events.

For homes previously certified by another PE where refinance, repurchase review, or insurance audit requires a fresh structural opinion. We review the prior report, perform a fresh field visit, and either reaffirm the prior finding with current observations or restate the finding based on updated conditions.

Common scenarios: refi five-plus years after original FHA certification, change-of-carrier audit, post-claim re-certification, repurchase from a different occupant.