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π Why Lenders Require Engineer Letters for Manufactured Homes β And How Oasis Engineering Helps You Close With Confidence
𧱠Whatβs an Engineer Letter, Really?
An engineer letter (or foundation certification) is a signed and sealed document from a licensed professional engineer confirming that a manufactured home is properly and permanently installed on a code-compliant foundation.
Itβs not just paperwork β itβs the key to unlocking real property status for a manufactured home.
At Oasis Engineering, we specialize in delivering these letters quickly, professionally, and in full compliance with HUD, FHA, VA, and local building standards β helping you close deals faster and with fewer surprises.
π The Problem: No Letter, No Loan
Most lenders β especially for FHA, VA, or USDA loans β canβt fund a manufactured home without this letter. Why?
Because without a certified foundation, the home is treated as βpersonal propertyβ (like a vehicle), not real estate.
That means:
- π The loan canβt close
- π The home canβt be appraised as real property
- π The buyer is forced into high-interest, short-term financing (or no financing at all)
This one missing document can delay closings, derail deals, and create unnecessary stress for everyone involved.
ποΈ The Solution: Engineer Letters by Oasis
At Oasis Engineering, we help transform manufactured homes into financeable, insurable, appraisable real estate β with fast, reliable engineering documentation that underwriters trust.
Our process is simple:
- π§ You submit the project address and home details
- π We evaluate and deliver your sealed engineer letter in 24β72 hours
- π You submit it to your lender or building department with confidence
Whether youβre a loan officer, realtor, builder, or homeowner β we make the engineering side of your transaction painless.
π‘ Why This Letter Matters for Manufactured Homes
An engineer letter isnβt just a checkbox. It legally verifies:
- The home is permanently affixed to the site
- The foundation system meets HUD/FHA guidelines
- The structure can withstand wind, seismic, and soil conditions
- The home qualifies for real property treatment, unlocking better financing
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Without it: the home is treated as a trailer.
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With it: the home becomes real estate β and the deal can close.
π‘ Who Needs This Letter?
We regularly serve:
- π Mortgage lenders and loan processors
- π’ Realtors and brokers representing buyers/sellers
- π· Builders and manufactured home dealers
- π§ββοΈ Owner-builders and homeowners refinancing or selling
Weβre licensed in multiple states and offer nationwide service through our partner network.
π¬ What Lenders Ask (And How We Help Answer)
Do I need this for FHA loans?
Yes. FHA, VA, and USDA loans all require engineer certification for manufactured home foundations.
The home has utilities β do I still need it?
Yes. Utilities arenβt enough β the foundation system must be verified to meet HUD standards.
Can this help refinance or convert title?
Yes. If the home is titled as personal property (like a vehicle), the engineer letter is often required to retitle it as real property and secure a mortgage.
β‘ Why Oasis?
- β Stamped by licensed engineers
- β HUD-compliant
- β Fast turnaround (rush available)
- β Responsive, professional service
- β Trusted by lenders, cities, and contractors
Weβve helped thousands of properties get to the closing table faster β and weβre ready to help you next.
π© Ready to Order?
Whether you need a one-off letter or want to set up a preferred partner account for your mortgage team, weβve got your back.
π Request a letter now
π Learn about our partner program
π Questions? Call us or email info@oasisengineering.com
