Can I get a conventional loan on a manufactured home that was moved?
Possibly, but your lender decides. Some conventional programs may allow qualifying relocated manufactured homes subject to conditions, and a structural report from a Professional Engineer is one thing the lender may ask for.
Why does a move matter to a lender?
Moving a home puts stress on the frame, the connections between sections, and the supports at the new site. A lender may want an engineer to confirm in writing that the home was not damaged, altered, or weakened by the move.
A home moved years ago is still a reportable condition. We document how it sits now and any visible evidence of damage, alteration, or settlement from the move.
What does the engineer look at?
- The frame and chassis, including distortion, damage, weld changes, and corrosion.
- For a multi-section home, the connections between sections and any signs of movement.
- The piers, footings, anchors, and tie-downs at the new site, and the load path they create.
What do you need to know about the move?
Write down the current address, where the home stood before if that is documented, when it moved, and where each fact came from. "The seller thinks it moved" is not the same as a dated installation record. Label anything uncertain. If you do not know the move history, say that.
Ask the seller, the listing agent, or whoever holds the records for installation papers, identifying documents, and earlier reports. Our guide on questions to ask your lender before the inspection shows how to raise the move with the lender.
Is this the same as a foundation certification?
Not necessarily. A structural integrity report evaluates the home after relocation. A foundation certification addresses a specific foundation standard. Some files need one, some need both, and your lender decides.
Does the report approve the loan?
No. It supports your lender's review. The lender checks the full file and confirms whether the home and the loan meet applicable requirements. We cannot promise financing or eligibility.
Which states do we cover?
The report is signed by an engineer licensed in the state where the home sits: Missouri, Arkansas, Illinois, Kansas, Iowa, Nebraska, or Indiana.
What should you do now?
Get the lender's request in writing and gather what you know about the move. Our moved-home structural integrity report covers the inspection and the signed report. Send us the address, the lender's wording, and the move history you have. We reply within one business day.