Manufactured Homes:
Tags

Information by State  Print version

Chapter 1
Appraisal and Property Requirements
Page 1-09f

All manufactured homes must have an affixed HUD seal (tag) located on the outside of the home. If the home is a multi-wide unit, each unit must have a label. In some instances, the unit may not be sequentially numbered. Appraisers are to list the manufactured unit's label number(s) on the appraisal report in one of the comment sections, preferably on the front page under "Additional Features" and complete VC14a on the HUD-92564-VC (Notice to Lender- Valuation Conditions)

If for any reason the labels are missing, appraisers must REJECT the property and notify the lender. In some states a manufactured home may not be re-sold if missing a label. HUD does not reissue tags for manufactured homes, however the Department can issue a letter of label (tag) verification lieu of rejecting the property. HUD will accept documentation from IBTS - Institute for Building Technology and Safety (Current HUD Contractor) verifying HUD labels were issued to the manufactured home if the tags are not affixed to the home at the time of appraisal. The lender is to include this documentation in the file submitted to HUD. Information regarding a request of label verification can be found at HUD's Manufactured Housing website.

Please note: The use of the newly revised Fannie Mae appraisal reporting forms, and elimination of the VC sheet and Homebuyer summary, which have been adopted by FHA via Mortgagee Letter 2005-34, is optional between November 1, 2005 and the mandatory start date of January 1, 2006. The new protocol must be followed when using the new form whether it is done at the lender/client’s request or of the appraiser's choosing. This reference guide page will be further updated after January 1, 2006. For further information please contact your local HUD Homeownership Center.

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