ࡱ>  q` `bjbjqPqP 4d::XV V V V V V V j ~|j y.lrrrrM tlynynynynynyny${h}yV ;MM;;yV V rrybwbwbw;"V rV rlybw;lybwbwV V bwr M{>2bwlyy0ybwk~qk~bwbwFk~V xQ 1#2 bwc,\3QQQyyXw QQQy;;;;j j j vNkj j j Nj j j V V V V V V  Architectural Processing and Inspections for Home Mortgage Insurance  Directive Number: 4145.1 REV-2   TOC \o "1-2" \h \z \u  HYPERLINK \l "_Toc168823701" CHAPTER 1. GENERAL INFORMATION  PAGEREF _Toc168823701 \h 3  HYPERLINK \l "_Toc168823702" 1-1. INTENDED USERS  PAGEREF _Toc168823702 \h 3  HYPERLINK \l "_Toc168823703" 1-2. FIELD OFFICE RESPONSIBILITY  PAGEREF _Toc168823703 \h 3  HYPERLINK \l "_Toc168823704" 1-3. BUILDERS/DEVELOPERS AND HUD  PAGEREF _Toc168823704 \h 3  HYPERLINK \l "_Toc168823705" CHAPTER 2. ARCHITECTURAL EXHIBITS  PAGEREF _Toc168823705 \h 3  HYPERLINK \l "_Toc168823706" 2-1. GENERAL  PAGEREF _Toc168823706 \h 3  HYPERLINK \l "_Toc168823707" 2-2. DRAWINGS FOR INDIVIDUAL APPLICATIONS  PAGEREF _Toc168823707 \h 4  HYPERLINK \l "_Toc168823708" 2-3. DESCRIPTION OF MATERIALS  PAGEREF _Toc168823708 \h 9  HYPERLINK \l "_Toc168823709" 2-4. DRAWINGS FOR MASTER CONDITIONAL COMMITMENT (MCC)  PAGEREF _Toc168823709 \h 10  HYPERLINK \l "_Toc168823710" 2-5. INDIVIDUAL WATER SUPPLY AND SEWAGE DISPOSAL SYSTEMS  PAGEREF _Toc168823710 \h 12  HYPERLINK \l "_Toc168823711" CHAPTER 3 - PROCESSING PROCEDURES  PAGEREF _Toc168823711 \h 14  HYPERLINK \l "_Toc168823712" 3-1. GENERAL  PAGEREF _Toc168823712 \h 14  HYPERLINK \l "_Toc168823713" 3-2. SUBDIVISION PROPOSALS  PAGEREF _Toc168823713 \h 14  HYPERLINK \l "_Toc168823714" 3-3. BUILDER CERTIFICATION PROCEDURE  PAGEREF _Toc168823714 \h 15  HYPERLINK \l "_Toc168823715" 3-4. MANUFACTURED HOMES (MOBILE) FOR TITLE II MORTGAGE INSURANCE  PAGEREF _Toc168823715 \h 25  HYPERLINK \l "_Toc168823716" 3-5. PERMISSION TO START CONSTRUCTION (EARLY START)  PAGEREF _Toc168823716 \h 31  HYPERLINK \l "_Toc168823717" 3-6. CONDITIONS OF COMMITMENT  PAGEREF _Toc168823717 \h 33  HYPERLINK \l "_Toc168823718" 3-7. FEE ALLOCATIONS FOR ARCHITECTURAL REVIEWS  PAGEREF _Toc168823718 \h 34  HYPERLINK \l "_Toc168823719" 3-8. DESK REVIEW OF STAFF AND FEE PERSONNEL  PAGEREF _Toc168823719 \h 34  HYPERLINK \l "_Toc168823720" 3-9. RECONSIDERATION PROCEDURE  PAGEREF _Toc168823720 \h 35  HYPERLINK \l "_Toc168823721" 3-10. COMPLAINT PROCESSING PROCEDURES  PAGEREF _Toc168823721 \h 36  HYPERLINK \l "_Toc168823722" 3-11. PROPERTIES TO BE REHABILITATED (203k program)  PAGEREF _Toc168823722 \h 36  HYPERLINK \l "_Toc168823723" 3-12. SPECIAL MATERIALS, PRODUCTS AND METHODS OF CONSTRUCTION  PAGEREF _Toc168823723 \h 36  HYPERLINK \l "_Toc168823724" 3-13. PARTIALLY COMPLETED AND EXISTING CONSTRUCTION  PAGEREF _Toc168823724 \h 36  HYPERLINK \l "_Toc168823725" 3-14. CONDOMINIUM PROCESSING  PAGEREF _Toc168823725 \h 37  HYPERLINK \l "_Toc168823726" 3-15. REVIEW OF HUD ACQUIRED PROPERTIES  PAGEREF _Toc168823726 \h 37  HYPERLINK \l "_Toc168823727" 3-16. PROCESSING WATER AND SEWERAGE SYSTEMS  PAGEREF _Toc168823727 \h 37  HYPERLINK \l "_Toc168823728" 3-17. RECORDS DISPOSITION  PAGEREF _Toc168823728 \h 37  HYPERLINK \l "_Toc168823729" 3-18. BUILDER'S WARRANTY  PAGEREF _Toc168823729 \h 37  HYPERLINK \l "_Toc168823730" 3-19. AFFIRMATIVE FAIR HOUSING MARKETING PLAN  PAGEREF _Toc168823730 \h 38  HYPERLINK \l "_Toc168823731" CHAPTER 4. COMPLIANCE INSPECTIONS  PAGEREF _Toc168823731 \h 38  HYPERLINK \l "_Toc168823732" 4-1. GENERAL  PAGEREF _Toc168823732 \h 38  HYPERLINK \l "_Toc168823733" 4-2. INSPECTION RESPONSIBILITIES  PAGEREF _Toc168823733 \h 38  HYPERLINK \l "_Toc168823734" 4-3. NUMBER OF INSPECTIONS  PAGEREF _Toc168823734 \h 41  HYPERLINK \l "_Toc168823735" 4-4. CONSTRUCTION STATUS NOTIFICATION TO THE INSPECTOR  PAGEREF _Toc168823735 \h 42  HYPERLINK \l "_Toc168823736" 4-5. PREMATURE CONSTRUCTION  PAGEREF _Toc168823736 \h 43  HYPERLINK \l "_Toc168823737" 4-6. BUILDER REFUSAL TO UNCOVER CONCEALED CONSTRUCTION  PAGEREF _Toc168823737 \h 44  HYPERLINK \l "_Toc168823738" 4-7. POSTING HUD CASE NUMBER  PAGEREF _Toc168823738 \h 44  HYPERLINK \l "_Toc168823739" 4-8. POSTING EQUAL EMPLOYMENT OPPORTUNITY PLACARD (HUD 928.1)  PAGEREF _Toc168823739 \h 44  HYPERLINK \l "_Toc168823740" 4-9. MANUFACTURED HOUSING INSPECTIONS  PAGEREF _Toc168823740 \h 44  HYPERLINK \l "_Toc168823741" 4-10. DIRECT ENDORSEMENT INSPECTIONS  PAGEREF _Toc168823741 \h 44  HYPERLINK \l "_Toc168823742" 4-11. REHABILITATION INSPECTIONS  PAGEREF _Toc168823742 \h 44  HYPERLINK \l "_Toc168823743" 4-12. TRUSS FABRICATION INSPECTIONS  PAGEREF _Toc168823743 \h 44  HYPERLINK \l "_Toc168823744" 4-13. REPAIR INSPECTIONS  PAGEREF _Toc168823744 \h 45  HYPERLINK \l "_Toc168823745" 4-14. COMPLAINT AND STRUCTURAL DEFECT INSPECTIONS  PAGEREF _Toc168823745 \h 45  HYPERLINK \l "_Toc168823746" 4-15. SUBDIVISION INSPECTIONS  PAGEREF _Toc168823746 \h 45  HYPERLINK \l "_Toc168823747" 4-16. CASUALTY DAMAGE INSPECTIONS  PAGEREF _Toc168823747 \h 45  HYPERLINK \l "_Toc168823748" 4-17. ROTATION OF INSPECTORS  PAGEREF _Toc168823748 \h 45  HYPERLINK \l "_Toc168823749" 4-18. OFFICE REVIEW OF INSPECTION REPORTS (Form HUD 92051)  PAGEREF _Toc168823749 \h 46  HYPERLINK \l "_Toc168823750" 4-19. ISSUANCE OF INSPECTION REPORTS  PAGEREF _Toc168823750 \h 46  HYPERLINK \l "_Toc168823751" 4-20. UNREPORTED NON-COMPLIANCE  PAGEREF _Toc168823751 \h 46  HYPERLINK \l "_Toc168823752" 4-21. EXTENSIVE NON-COMPLIANCES  PAGEREF _Toc168823752 \h 46  HYPERLINK \l "_Toc168823753" 4-22. CONSTRUCTION CHANGES  PAGEREF _Toc168823753 \h 46  HYPERLINK \l "_Toc168823754" 4-23. ACCEPTANCE OF CONSTRUCTION CHANGE(S)  PAGEREF _Toc168823754 \h 47  HYPERLINK \l "_Toc168823755" 4-24. FIELD REVIEWS  PAGEREF _Toc168823755 \h 48  HYPERLINK \l "_Toc168823756" 4-25. REVIEW OF MORTGAGEE CERTIFICATIONS  PAGEREF _Toc168823756 \h 49  HYPERLINK \l "_Toc168823757" 4-26. INSPECTIONS BY LOCAL AUTHORITIES  PAGEREF _Toc168823757 \h 49  HYPERLINK \l "_Toc168823758" 4-27. TRAINING of HUD Field Office  PAGEREF _Toc168823758 \h 50  HYPERLINK \l "_Toc168823759" 4-28. HUD RECOMMENDATIONS FOR MODEL CODE CHANGE(S)  PAGEREF _Toc168823759 \h 51  HYPERLINK \l "_Toc168823760" CHAPTER 5 - ESCROW PROCEDURES  PAGEREF _Toc168823760 \h 52  HYPERLINK \l "_Toc168823761" 5-1. GENERAL  PAGEREF _Toc168823761 \h 52  HYPERLINK \l "_Toc168823762" 5-2. MORTGAGEE'S ASSURANCE OF COMPLETION (Form HUD 92300)  PAGEREF _Toc168823762 \h 52  HYPERLINK \l "_Toc168823763" 5-3. ESCROW AGREEMENT FOR POSTPONED OFF-SITE IMPROVEMENTS  PAGEREF _Toc168823763 \h 57  HYPERLINK \l "_Toc168823764" 5-4. ASSURANCE OF COMPLETION BY A PUBLIC AUTHORITY  PAGEREF _Toc168823764 \h 57  HYPERLINK \l "_Toc168823765" CHAPTER 6 - INSURED TEN-YEAR PROTECTION PLAN  PAGEREF _Toc168823765 \h 57  HYPERLINK \l "_Toc168823766" 6-1. GENERAL  PAGEREF _Toc168823766 \h 57  HYPERLINK \l "_Toc168823767" 6-2. ACCEPTANCE CRITERIA  PAGEREF _Toc168823767 \h 60  HYPERLINK \l "_Toc168823768" 6-3. MAXIMUM LOAN-TO-VALUE RATIOS FOR DWELLINGS WITH APPROVED  PAGEREF _Toc168823768 \h 72  HYPERLINK \l "_Toc168823769" CHAPTER 7 - ARCHITECTURAL DATA  PAGEREF _Toc168823769 \h 76  HYPERLINK \l "_Toc168823770" 7-1. GENERAL  PAGEREF _Toc168823770 \h 76  HYPERLINK \l "_Toc168823771" 7-2. ARCHITECTURAL REFERENCE DATA  PAGEREF _Toc168823771 \h 76  HYPERLINK \l "_Toc168823772" 7-3. INSPECTION GUIDE  PAGEREF _Toc168823772 \h 77  HYPERLINK \l "_Toc168823773" 7-4. MINIMUM PROPERTY STANDARDS (MPS)  PAGEREF _Toc168823773 \h 78  HYPERLINK \l "_Toc168823774" APPENDIX 1 FILE IN PDF FORMAT  PAGEREF _Toc168823774 \h 79  HYPERLINK \l "_Toc168823775" APPENDIX 2 BUILDERS CERTIFICATION  PAGEREF _Toc168823775 \h 79  HYPERLINK \l "_Toc168823776" APPENDIX 3 BUILDING CODE REVIEW  PAGEREF _Toc168823776 \h 80  HYPERLINK \l "_Toc168823777" APPENDIX 4 POST-ENDORSEMENT/POST-COMMITMENT REVIEW  PAGEREF _Toc168823777 \h 80  HYPERLINK \l "_Toc168823778" APPENDIX 5 AGREEMENT TO EXECUTE A BUILDERS WARRANTY OF  PAGEREF _Toc168823778 \h 80  HYPERLINK \l "_Toc168823779" APPENDIX 6 EARLY START LETTER  PAGEREF _Toc168823779 \h 80  HYPERLINK \l "_Toc168823780" APPENDIX 7 ADDENDUM TO WARRANTY OF COMPLATION OF CONSTRUCTION  PAGEREF _Toc168823780 \h 81  HYPERLINK \l "_Toc168823781" APPENDIX 8 SITE GRADING AND DRAINAGE GUIDELINES  PAGEREF _Toc168823781 \h 81  HYPERLINK \l "_Toc168823782" APPENDIX 9 CONSTRUCTION EXHIBIT SUBMITTAL  PAGEREF _Toc168823782 \h 85  HYPERLINK \l "_Toc168823783" APPENDIX 10 LIST OF HUD ACCEPTED  PAGEREF _Toc168823783 \h 85  HYPERLINK \l "_Toc168823784" APPENDIX 11 ARCHITECTURAL REQUIREMENTS GRID  PAGEREF _Toc168823784 \h 91  CHAPTER 1. GENERAL INFORMATION 1-1. INTENDED USERS. < HYPERLINK \l "_top" TOP>This handbook is to be used by HUDJM personnel, mortgagees, builders and developers who are involved with proposed construction applications for one to four-family properties and process cases through the HUD Field Office. Direct Endorsement Underwriters must also apply these processing procedures. 1-2. FIELD OFFICE RESPONSIBILITY. < HYPERLINK \l "_top" TOP>Mortgagees, builders and developers must be informed by a HUD Field Office circular letter of all modifications of a general nature to the instructions and procedures in this handbook. 1-3. BUILDERS/DEVELOPERS AND HUD. < HYPERLINK \l "_top" TOP>If a builder or developer wants to qualify a property for HUD mortgage insurance, a mortgagee approved to do business with HUD must submit an application for mortgage insurance for the property. The builder or developer may submit an application through a Direct Endorsement (DE) Lender (Refer to Handbook 4000.4 for instructions). The application must be accompanied by all required architectural exhibits (See Chapter 2). Communication from HUD concerning the property will be with the mortgagee. HUD's issuance of a conditional commitment, or a Direct Endorsement Lender's acceptance of an appraisal, is based on a review of the architectural exhibits and HUD's inspections during construction. This neither precludes a review or inspection required by a locality nor relieves a builder of a contractual obligation to a homeowner. Architectural Processing and Inspections for Home Mortgage Insurance  Directive Number: 4145.1  4145.1 REV-2 CHAPTER 2. ARCHITECTURAL EXHIBITS 2-1. GENERAL. < HYPERLINK \l "_top" TOP>Construction exhibits will be submitted with each application for mortgage insurance that involves proposed construction, partially completed construction or additions (alterations) to existing construction. Exhibits for alterations or repairs need only pertain to the work to be done. Exhibits must be adequate and accurate to determine compliance with applicable HUD standards, form the accurate basis for HUD commitments, determine acceptability of the physical improvements, and provide the basis for conclusions involving the builder's warranty. Exhibits must be submitted for all properties receiving high loan-to-value ratios. All exhibits must be retained in the HUD case binder in order to discuss construction complaints with homeowners or builders. Homeowners may request copies of exhibits under the Freedom of Information Act. Refer to the Architectural Requirements Grid in Appendix 11. 2-2. DRAWINGS FOR INDIVIDUAL APPLICATIONS. < HYPERLINK \l "_top" TOP>Submit with each application: A. Plot Plan. Minimum scale of 1" = 20'- 0" or 1/16" = 1'- 0", showing (See example of Typical Plot Plan in Appendix 1): 1) Lot and block number; 2) Dimensioned length of each boundary; 3) North point; 4) Dimensions of front, back, and side yards; 5) Location and dimensions of garage, carport, and other accessory buildings, including footing drains (or other subdrains) and their points of discharge; 2-1 3/90 4145.1 REV-2 (2-2.A.) 6) Location of streets, curbs, walks, driveways, approach slabs, surfacing and utilities; 7) Location of steps, terraces, porches, fences, trees, shrubs, retaining walls, slopes, and drainage swales, channels, pipes and related facilities; 8) Location and dimensions of easements and established setback requirements, if any. 9) Grade elevations will be provided at: a. First floor of dwelling and floor of garage, carport and other accessory buildings; b. Finish curb or crown of street at points of extension of lot lines; c. Existing and finish grade elevations at each corner of the plot and each principal corner of the dwelling; d. Finish grade elevations at the toe of any slopes or retaining walls; e. Other site elevations necessary to show proper grading design and the flow routes of surface drainage, including but not limited to: heads of swales; points of change in swale gradients; at all building walls; and on proposed flatwork that might trap runoff (See Appendix 8); f. Detailed existing and finish grade elevations are required where topography, or design of the structure, necessitates special grading, drainage, subdrainage, slope stabilization or foundation design; Examples are: irregular or steeply sloping sites; filled or cut areas or multi-level structures; and 3/90 2-2 4145.1 REV-2 (2-2.A.9)) g. Where fill depths will exceed two feet beneath dwellings, or where expansive, compressible, collapsing or organic soils will be present beneath buildings, grading plans and specifications developed according to procedures in HUD Handbook 4140.3 (Data Sheet 79G), must be a commitment requirement and complied with during construction; This requires pre-design site exploration and testing and post-grading engineering compliance reports. B. Floor Plan. Minimum scale of 1/4" = 1'- 0", showing: 1) Provide separate foundation plan with construction details, including any subdrainage facilities. Where on-site soils are expansive, compressible, collapsible or organic, or where subsidence is possible, foundation plans must be accompanied by supporting soil, geologic, groundwater and structural design information. In outlying low volume areas where qualified engineering services may be locally unavailable, or the incidence and significance of observable foundation performance problems in and around the location of the subdivision and property are negligible, HUD Field Office can determine the degree of refinement needed for the supporting engineering data. 2) Plan of each floor and of basement, if any. If dwelling is of crawl space type, or slab-on-grade, provide separate foundation plans showing construction details. 3) Plan of any attached terrace, porch, garage, or carport. 2-3 3/90 4145.1 REV-2 (2-2.B.) 4) Direction, size and spacing of all floor and ceiling framing members, girders, columns or piers. 5) Location of all partitions and walls, indicating door and window sizes and direction of door swing. 6) Location and size of all permanently installed construction and equipment (i.e., kitchen cabinets, closets, shelves, plumbing fixtures, water heaters & heating-cooling units). Details of kitchen cabinets may be on separate drawings. 7) Location and symbols of all electrical equipment, including switches, outlets, fixtures and panels. 8) Heating system on separate drawings, or as part of plan of floors and basement, showing: a. Location and size of ducts, piping, registers, radiators, etc; b. Location of heating unit and room thermostat; c. Total calculated heat loss of dwelling. For duct or piped distribution system include calculated heat loss of each heated space, using American Society of Heating, Refrigerating and Air Conditioning (ASHRAE) Standards; and d. Model number and BTU/hour capacity of equipment. 3/90 2-4 4145.1 REV-2 (2-2.B.) 9) Cooling system, on separate drawings or as part of heating plan, floor or basement plan, showing: a. Location and size of ducts, registers, compressors, coils, etc; b. Heat gain calculations, including estimated heat gain for each space conditioned; c. Model number and BTU/hour capacity of equipment or units according to applicable ASHRAE standards; d. BTU/hour capacity and total KW input at stated local design conditions; and e. If room or zone conditioners are used, show location, size, and installation details. C. Exterior Elevations. Minimum scale of 1/4" = 1'- 0", must show: (Elevations other than main elevation, which contain no special details, may be drawn at 1/8" = 1' - 0".) 1) Front, rear, and both side elevations, and elevation of any interior courts; 2) Window and doors - show size unless separately scheduled or shown on floor plan; 3) Wall finish materials - show where more than one type is used; 4) Depth of wall footing, foundations, or piers; show stepped, if at more than one level; 5) Finish floor lines; and 6) Finish grade lines at buildings. 2-5 3/90 4145.1 REV-2 (2-2.) D Sections. Minimum scale of 3/8" = 1'- 0", will be provided through the following areas of the structure: 1) Exterior wall sections must show details of construction from the bottom of the foundation to the highest point of the roof; Where more than one type of wall construction is used, each type must be shown. 2) Show wall sections through any portion of the dwelling where rooms are situated at various levels or where finished attic space is proposed; and 3) Stairwells, landings, and stairs, including headroom clearances and surrounding framing. E. Details. Provide the following: 1) Elevations and sections through fireplace, scale not less than 3/8" = 1'- 0"; 2) Engineered design with roof truss connections and test data, scale not less than 3/8" = 1'- 0"; 3 Elevations and sections through kitchen cabinets, indicating shelving, scale not less than 1/4" = 1'- 0"; and 4) Sections and details of all critical construction points, special structural items or special millwork, scale not less than 3/8" = 1'- 0". F. Additional Exhibits. Field Office can require technical reports and/or other exhibits when the mortgage risk could be affected by unstable soil or other differential ground movement, ground water 3/90 2-6 4145.1 REV-2 (2-2.F.) problem, and other site or toxic hazards. Refer to paragraph 7-4. Examples include, but are not limited to: engineers' reports on soil exploration and testing; earthwork specifications (79-G) and special grading plans; special foundation and related designs proper for conditions found; slope or other stability evaluations, evaluations of underground sewage, effluent disposal and waste disposal sites. G. Size of Construction Drawings. On individual new construction cases plans should be no larger than 18" X 24". Half size photocopies of the drawings (8 1/2" X 14") are acceptable provided they are legible and lettering is no smaller than 1/16". Computer aided drawings at half scale are also acceptable. See Appendix 9. 2-3. DESCRIPTION OF MATERIALS. < HYPERLINK \l "_top" TOP> A. Submit Form HUD 92005 for each plan type. Instructions are on it. B. Builder May Provide Own Form (computerized is acceptable). Format and printed text must be identical to Form HUD 92005. 2-4. DRAWINGS FOR MASTER CONDITIONAL COMMITMENT (MCC) < HYPERLINK \l "_top" TOP>. Submit only for group applications that repeat a basic type dwelling (see list of additional items in Handbook 4115.3). A. Master Plot Plan will include: 1) Scale that will clearly and legibly show information; 2) North point; 3) Location and width of streets and rights-of-way; 2-7 3/90 4145.1 REV-2 (2-4.A.) 4) Locations and dimensions of all easements; 5) Boundary dimensions of each lot; 6) Dimensions locating each dwelling on the lot; 7) Dimensions of front, back, and side yards; 8) Location and dimensions of garages, carports, or other accessory buildings; 9) Location of walks, driveways, and other permanent improvements; and 10) Identification of each lot by number and indication of basic plan and elevation. B. Typical Plot Plan. Submit for each basic, type dwelling in lieu of fully detailing each lot on Master Plot Plan (See paragraph 2-2.A. and Appendix 1). Use only when topography and lot arrangements present no collective (or individual planning) construction problems. Necessary information not shown on typical plot plan will be included on Master Plot Plan. See Appendix 8 for guidance on grading and drainage. A plot plan for each individual lot must be provided to the fee inspector at the initial inspection on site. C. Grading and Drainage. Show on a separate plan or on the Master Plot Plan. Refer to HUD Handbooks 4140.1 and 4140.3. See Appendix 8. 1) Scale must show contours of existing and finish grades at intervals of not more than 5 feet; 2) Contour intervals less than 5 feet may be required for less steeply sloping lots; 3) Location of house and accessory buildings on each lot; 3/90 2-8 4145.1 REV-2 4145.1 REV-2 (2-4.C.) 4) Identification of each lot by number; 5) Elevations according to individual plot plan, including bench mark and datum or, in lieu of finish grade elevations, contours of proposed finish grading may be submitted. Contour intervals selected will be appropriate to the topography of the site; 6) Lot grading will be shown by indicating protective slopes and approximate location of drainage swales; and 7) Location of drainage outfall if any drainage is not to a street. Special requirements by HUD Field Office may be necessary for grading plans, specifications and engineers certifications (79-G). See paragraph 2-2.B. and 2-2.F. D. Floor Plans, Elevations, Sections, and Details. Submit for each plan type (see paragraph 2-2 for scale and details). Optional elevations to a basic plan can be shown at a scale not less than 1/8" = 1'- 0". When the Schedule of Options is used, provide necessary exhibits. E. Description of Materials. See paragraph 2-3. 2-5. INDIVIDUAL WATER SUPPLY AND SEWAGE DISPOSAL SYSTEMS< HYPERLINK \l "_top" TOP>. Provide: A. A Written Opinion by the Health Authority. 1) Water-supply system. Give the most recent record of failure of wells in the immediate vicinity to furnish an adequate supply of water. 2-9 3/90 4145.1 REV-2 CHANGE 1 (2-5.A.) 2) Sewage disposal system. a. Provide a statement that the permitted individual sewage disposal system, with proper maintenance, can be expected to function satisfactorily and is unlikely to create an unsanitary condition; The statement does not constitute an assurance by the authority that the system will continue to perform satisfactorily, only that if properly maintained, the system can be expected to be adequate, based on the authority's knowledge of present site conditions; and b. Show how many bedrooms the sewage disposal system is designed for and whether there is or is not a garbage disposal. The HUD Field Office or the DE Lender must include a Specific Condition on Form HUD 92800.5B (in addition to item E on the back of the form that ensures acceptable installation according to accepted exhibits). Obtain a statement from the local health authority that if a water-supply system is used, that the quality of water is satisfactory for human consumption. B. Location Map of property. C. Plot Plan. Show these additional items (see paragraph 2-2.A. and Appendix 1): 1) Lot lines and all improvements; 2) Topography; 3) Location of septic tank, distribution box, absorption field or bed, seepage pits, and other essential parts of sewage system; Holding tanks are not acceptable on newly constructed properties. 2/92 2-10 4145.1 REV-2 CHANGE 1 (2-5.C.) 4) Location of well, service lines and other essential parts of water supply system, including well casing seal; 5) Distance to individual well from the dwelling, septic field and property line. Also show distance of well to individual well and septic systems on adjacent properties; 6) Grade elevations of the well and/or septic systems; and 7) Location of the individual systems on adjacent properties and distance to poisoned soil. If wells are not involved on the subject property, or adjacent properties, only that part of the sewage system on adjacent property within 10 feet of the property line need be shown. D. Report on Local Conditions. 1) Hydrology and any protection required; 2) Geology, including a description of soil materials to a depth of at least six feet; and 3) Topography. E. Plans and Specifications of systems. Show details of all component parts; indicate material, equipment and construction. F. Well Log and Yield Report. G. Water Quality Report on bacteriological properties. * 2/92 2-11 (2-4.C.)  HYPERLINK ""  Architectural Processing and Inspections for Home Mortgage Insurance  Directive Number: 4145.1 4145.1 REV-2 CHAPTER 3 - PROCESSING PROCEDURES 3-1. GENERAL. < HYPERLINK \l "_top" TOP>Architectural analysis is based on an evaluation of the physical characteristics and proposed improvements to a property to determine whether they meet HUD's requirements for mortgage insurance eligibility. Submittal of the Architectural Requirements is described in Appendix 11. It is assumed that "proposed construction" cases, "under-construction" cases and "existing construction" cases (additions) will be completed according to the accepted exhibits, local codes and ordinances, HUD requirements and applicable commitment conditions. "Physical Improvements" refers to the entire property, including land, building(s) and appurtenances comprised by the mortgage security. Properties are analyzed apart from their neighbors, except for known conditions on adjoining lots that may affect health and safety of the occupants. Health and safety items include, but are not limited to: inadequate surface drainage; potential for high ground water levels; earth faults; landslides; unstable soils; or toxic wastes. 3-2. SUBDIVISION PROPOSALS < HYPERLINK \l "_top" TOP>. Process according to: A.  HYPERLINK "file:///F:\\4145-1\\nph-brs.cgi?d=HSGH&s1=4135.1%5bno%5d&SECT1=TXT_HITS&SECT5=HSGH&u=./hudclips.cgi&p=1&r=0&f=S" Handbook 4135.1 , Procedures for Approval of Single Family Proposed Construction Applications in New Subdivisions. B. Handbook 4115.3, Master Conditional Commitment Procedure. 3-3. BUILDER CERTIFICATION PROCEDURE < HYPERLINK \l "_top" TOP>. A. Applications for Conditional Commitment and VA-CRV (MCRV) Proposed Construction Cases - must comply with regulations in 24 CFR 200.926 and construction exhibit requirements in Chapter 2 of this handbook. B. HUD Requirements in the regulation are to be used for all individual and group (Master Conditional Commitment) applications for high loan-to-value ratios. For applications on dwellings "under-construction" or "existing less than one-year," with a HUD accepted 3-1 3/90 4145.1 REV-2 (3-3.B.) insured ten-year protection plan, see paragraph 6-3. C. HUD Field Offices will accept certification (Form HUD 92541; see Appendix 2) by (1) the builder, and (2) a builder or the builder's architect or other qualified agent, for compliance with local or State building codes that were accepted by the HUD Field Office according to 24 CFR 200.926a or National Building Code criteria. The builder must certify on bottom portion of form on all cases. A builders agent may only certify on the top portion of the form. This certification process is mandatory for all properties receiving high loan to-value financing or on properties not yet completed at the time, the appraisal is requested. If future field reviews or homeowner complaints reveal a pattern of non-compliances, use procedure described in paragraph 3-3.K.2)f. The certification process will also be used for obtaining high loan-to-value ratios for dwellings covered by HUD accepted warranties (after construction has begun or the dwelling is existing-less than one-year old). Instructions are in paragraph 6-3 of this handbook. D. Mortgagee Responsibilities. 1) Obtain current list of HUD accepted building codes. 2) Ensure builder has attached the proper Builder's Certification (Form HUD 92541; see Appendix 2) and the Agreement to Executed a Builder's Warranty of Completion of Construction (Form HUD 92541-A) on the Front page of each set of plans prior to submitting application for conditional commitment. a. It is not necessary for mortgagees to review the plans; however, lender should ensure that the required construction exhibits are present. Ensure builder is on the list of certified builders (See paragraph 3-3.K.3)). If builder is not on list, exhibits must be reviewed by HUD Field Office. 3/90 3-2 4145.1 REV-2 4145.1 REV-2 (3-3.D.2) b. On individual proposed VA-CRV's, certifications must be attached to each case. On VA Master-CRV'S, certifications for each model type are required; copies of the certifications are placed in each file when converted to HUD. Plans need not accompany VA-CRV's. Where applicable, submit the Warranty of Completion of Construction ( HYPERLINK "file:///F:\\4145-1\\pdfforms\\92544.pdf" Form HUD 92544) and the Addendum to the Warranty of Completion of Construction (Form HUD 92544-A); 3) Call HUD assignment desk for case number and fee appraiser's name; 4) Send the following to the fee appraiser: a. Two sets of construction exhibits (with case number on the plans and certification attached). If builder wants a copy, submit three sets; and b. Form HUD 92800, Application for Property Appraisal and Commitment; 5) If the Master Conditional Commitment procedure is used, see Handbook 4115.3 for instructions; and 6) Upon receipt of the "Inspection Copy" of the construction exhibits (after issuance of the Conditional Commitment/DE Statement of Appraised Value) send it to the fee inspector. Inspection Copy may be forwarded to builder for availability to the fee inspector at time of inspection. If 3 sets of exhibits were submitted in 4)a. above, "Builder's Copy" should be sent to builder. E. Builder Responsibility. Assure that construction exhibits comply with: 1) Local, State, or model code requirements (see criteria in 24 CFR 200.926, Minimum Property Standards for One- and Two-Family Dwellings); 3-3 3/90 4145.1 REV-2 CHANGE 1 (3-3.E.) 2) HUD requirements contained in 24 CFR 200.926d; and 3) Chapter 2 of this handbook (Architectural Exhibits). An original signed copy of the certification by the builder and/or the builder's agent (Form HUD 92541; see Appendix 2) is required by HUD and must be completed and attached to the cover sheet of the plans. Also complete Form HUD 92541-A, Agreement to Execute a Builder's Warranty of Completion of Construction (Form HUD 92541). F. Fee Appraiser Responsibilities. 1) Assure that the construction exhibits in chapter 2 are sufficient to make an appraisal. Do not make the appraisal if the proper builders certification is not with each set of plans. Return to mortgagee. 2) After completing the appraisal, forward 92800 package and two sets of construction exhibits to the HUD Field Office. For Direct Endorsement cases, return the appraisal package, including two sets of the construction exhibits, to the mortgagee. Send a copy of the appraisal to HUD. G. Assignment Clerk Responsibilities. 1) Receive call from mortgagee requesting assignment of case number and name of appraiser. a. If subdivision is not approved, no case number is to be assigned. * b. If subdivision is approved continue processing. * 2/92 3-4 4145.1 REV-2 (3-3.G.) 2) Enter information about the mortgagee and the property on CHUMS Receiving/Assignment Screen. CHUMS verifies that the mortgagee is eligible, assigns next available case number and a fee appraiser, unless assignment is delayed. CHUMS assigns the appraiser with the lowest caseload who can take assignments in that geographic area. Override the system, if appropriate. 3) Check the assigned number off the Available Case number listing. 4) Prepare and file case binder in pending file. H. Receiving Clerk Responsibilities. 1) Upon receipt of the appraisal package: a. Review the appraisal for completeness, ensure that all plans have the correct case number and the builder's certification (original signed copy) placed on them. b. Date stamp appraisal and place all documents in appropriate case binder. Enter date received on CHUMS Appraisal Receiving Logging Screen. 1. One set of construction exhibits on left side of the case binder. 2. Form HUD 92800 (right side of case binder). 3. One set of construction exhibits will be stamped "Inspection Copy," placed loose in the binder. If third set is submitted, stamp it "Builder's Copy." 2) Forward case binder to: a. The Valuation Branch if the builder is on the certified list (obtain list from A & E). b. Architectural Branch if builder is not on certified list. 3-5 3/90 4145.1 REV-2 (3-3.) I. Review Appraiser Responsibilities. For each application requesting high loan-to-value ratio on a proposed or newly constructed property: 1) Check to see that Form HUD 92541, Builder's Certification (original signed copy) and Form HUD 92541-A, Agreement to Execute a Builder's Warranty of Completion of Construction (original signed copy) is attached to the plans, properly completed and that the correct building code(s) was used. 2) Make a cursory review to determine if required exhibits have been submitted (see chapter 2). Missing exhibits (minor) should be listed as conditional commitment requirements; If construction exhibits are insufficient, suspend processing (use Form HUD 92026) or refer it to the Architectural Branch according to paragraph 3-3.K.2)f. 3) Review appraisal according to Handbook 4150.1. When completed, date and sign (include CHUMS ID number on appraisal report); and 4) Forward case binder to Commitment Clerk. J. Commitment Clerk Responsibilities. 1) Review the case binder for any specific commitment conditions set forth by the Valuation Branch or the Architectural Branch; 2) Enter information on CHUMS Appraisal Disposition Screen about property, any commitment conditions, assignment of fee inspector (include address and telephone number) or, if applicable, reasons for rejection; 3) Print a Conditional Commitment (Form HUD 92800.5B) or prepare a Report on Application (Form HUD 92026); 3/90 3-6 4145.1 REV-2 (3-3.J.) 4) Send to the mortgagee: a. Conditional commitment; b. Inspection copy of construction exhibits; and c. Builder's copy if third set was submitted in paragraph 3-3.4)a. 5) Daily, provide Architectural Branch with case numbers and the builder's name from all commitments issued on proposed construction cases (include names of builders who requested high loan-to-value financing with a HUD accepted insured ten-year protection plan; and 6 Forward case binder to files. K. Architectural Staff Responsibilities. 1) Obtain copies of State and local codes and compare table of contents with criteria in 24 CFR 200.926a (see Appendix 3). Maintain a list of acceptable, partially acceptable, and unacceptable codes by locality. Give to Valuation Branch, approved mortgagees and, upon request, to builders. Provide up-to-date list to Regional Office semi-annually. 2) Completely review the first submission of construction exhibits, for each builder, for compliance with the HUD standards in 24 CFR 200.926d "Construction Requirements" (not the accepted local, state or national building code). See Appendix 8. a. Ensure all construction exhibits (see paragraph 2-2) are present and that the exhibits are sufficient to make an inspection of the property. Fee inspectors should review plans for compliance with applicable building codes. 3-7 3/90 4145.1 REV-2 (3-3.K.2)) b. Review Form HUD 92541, Builder's Certification, and Form HUD 92541-A, Agreement to Execute a Builder's Warranty of Completion of Construction to assure that the applicable building code(s) and HUD construction requirements were properly listed. c. Amend exhibits, wherever possible, show minor non-compliances (or omissions) with HUD standards to avoid rejection of the case. Notify builders of any non-compliances. 1. Amendments made during processing will be in color "red" with the initial "HUD" for ease in identifying the changes. 2. When an Amendment Sheet is used, the non-compliance items are keyed to the items on the sheet. 3. A special condition of the commitment (see paragraph 3-6.C.) can be made if amending of exhibits is not feasible. Enter on Conditional Commitment or reference on form and attach conditions to it. 4. When contradictory or alternate items (materials, options, etc.) are included in the construction exhibits, the one customarily used in the industry is retained and the other deleted. d. Design recommendations for reasonable and practical improvements can be provided as rough sketches on tracing paper or on the exhibits. 1. Clearly distinguish as recommendations, and not amendments. 2. Record comments on all exhibits. e. If a builder's submission is acceptable, post-review future applications from the builder (see 4) below). 3/90 3-8 4145.1 REV-2 (3-3.K.2)) f. If a builder's submission is unacceptable, note deficiencies on Form HUD 92026, Report on Application. 1. The Director of Housing can require that a licensed architect or engineer certify future submissions and prohibit the builder from certifying the plans, if continuing reviews, or homeowner complaints, show that builder certified erroneously on major items . 2. If problems continue, use Limited Denial of Participation (LDP) procedures in 24 CFR, Part 24, Subpart D (note 24.6(a)(6)). 3) Maintain a current list of builders that have acceptably certified. Distribute to the Valuation Branch, receiving clerk, to mortgagees and, upon request, to builders. Builders that have converted cases from VA-CRV's (or MCRV'S) or are requesting high loan-to-value ratios with a HUD accepted ten-year protection plan should not be placed on the list (See paragraph 3-3.D.2)b.). List should provide the complete name under which the builder is certified and the names of the individuals authorized to sign for the builder . Builders who are rejected on their first submission of a case should not be placed on the list upon resubmission of that case. To be placed on the list, submission should be correct initially. Do not place a builder on the list if it is known that he/she will not build more than one house per year. Homeowners acting as the builder should not be placed on the list. Review the builders list yearly. If a builder has not done business with HUD within a 12 month period, remove them from the list. 3-9 3/90 4145.1 REV-2 CHANGE 1 (3-3.K.) 4) Post-Commitment Reviews (Form HUD 92542; see Appendix 4) can be initiated by Chief Architect if a builder is not properly certifying. Review can only determine compliance with the construction requirements of 200.926d. a. Notify mortgagee and builder in writing of any non-compliances. Send copy to fee inspector. b. Place copy in builder's file. Documentation of the file is necessary if the Director of Housing requires a registered architect or engineer to certify the plans or a LDP is issued. 5) Post-Endorsement Reviews (Form HUD 92542; see Appendix 4) are completed on Direct Endorsement Lenders according to instructions in HUD Handbook 4000.4. The review can only determine compliance with construction requirements in 200.926d. * If the review finds the builder to have acceptably certified, note on the Underwriting Report (Form HUD 54118) "Builder Certification rated Good, Form HUD 92542 not required." If builder needs comment or guidance, note on Underwriting Report, "See attached Form HUD 92542;" maintain a copy in builder's file and send a copy directly to builder. * L. Master Conditional Commitment (MCC). This procedure may be used by all builders who want HUD insured financing available for a group of five or more lots within a subdivision. See HUD Handbook 4115.3 for additional instructions. Builders Certification (Form HUD 92541) and the Agreement to Execute a Builder's Warranty of Completion of Construction (Form HUD 92541-A) must be attached to front cover of each set of construction exhibits. Copy of certification must be included with closing documents for each case. 1) Builders who do not use the MCC process will submit an application for each individual case (with all exhibits). 2) After MCC is issued, Valuation Branch delivers construction exhibits to the Architectural Branch for review and for establishing the "basic case" file (use Form HUD 92014d) for each model type. 2/92 3-10 4145.1 REV-2 (3-3.L.2) a. On a post-commitment basis, A & E reviews each "basic model" for compliance with exhibit requirements in chapter 2 and HUD standards in 24 CFR 200.926d (Also see Appendix 8). Master plot plan and subdivision grading/drainage plan are also reviewed. 1. Notify mortgagee and builder in writing of any non-compliances. 2. Send copy to fee inspector. b. Field review of inspections are required in paragraph 4-24. 3) Direct Endorsement Lenders may use a Master Appraisal Report procedure. Refer to HUD Handbook 4115.3 for instructions. M. Direct Endorsement Lender. Refer to Handbook 4000.4. Once a builder's first submission has been accepted by HUD, it will not be necessary for the lender to review plans and specifications for compliance with 24 CFR 200.926d. Obtain the current list of acceptable building codes from HUD Field Office. 1) Ensure that proper construction exhibits have been submitted by builder (Chapter 2). The Builder's Certification (Form HUD 92541) and the Agreement to Execute a Builder's Warranty of Completion of Construction (Form HUD 92541-A) are attached to the front page of the construction exhibits. Ensure that the wording on the certifications are correct. 2) Post-Endorsement reviews will be performed by HUD. 3) Submit and certify: a. Date of agreement to provide HUD insured financing, and b. Date on which on-site construction began. 3-11 3/90 4145.1 REV-2 3-4. MANUFACTURED HOMES (MOBILE) FOR TITLE II MORTGAGE INSURANCE < HYPERLINK \l "_top" TOP>. A. General Eligibility Criteria (Refer to 24 CFR 203.43f). 1) The home must have a floor area of no less than 400 square Feet; 2) The home must be constructed in conformance with the Federal Manufactured Home Construction and Safety Standards, as evidenced by an affixed certification label, according to 24 CFR 3280.8; Only manufactured homes produced after June 15, 1976, will bear that seal. Manufactured homes produced prior to that date are ineligible for insured financing under Title II. 3) The home must be classified and taxed as real estate; 4 The mortgage must cover both the manufactured unit and its site and have a term of no more than 30 years from the date amortization begins; and 5) The manufactured unit must not have been installed or occupied previously at any other site or location. 6) The finished grade elevation beneath the manufactured home or, if a basement is used, the lowest finished exterior grade adjacent to the perimeter enclosure, must be at or above the 100-year return frequency flood elevation. This requirement applies wherever manufactured homes may be installed, not just in locations designated by the National Flood Insurance Program as areas of special flood hazard. 3/90 3-12 4145.1 REV-2 (3-4.) B. Criteria for Proposed Construction Properties. Refer to the Architectural Requirements Grid in Appendix 11. In addition to the general eligibility criteria; 1) They must have, with or without a basement, a site-built permanent foundation that meets or exceeds applicable requirements of 24 CFR 200.926. Comply with Handbook 4930.3, Permanent Foundations Guide for Manufactured Housing; For an "Existing" property, use HUD Handbook 4930.3, Appendixes A, B and C to verify the design of the existing system. See paragraph 3-4.C. for additional information. 2) They must he permanently attached to that foundation by anchoring devices adequate to resist all loads identified in 24 CFR 200.926d (this includes resistance to ground movements, seismic shaking, potential shearing, overturning and uplift loads caused by wind, earthquake, etc.); Anchoring straps or cables affixed to ground anchors, other than footings (or piers), will not meet this requirement. The unit must be anchored to the footing (or pier); 3) They must have permanent utilities, installed and protected from freezing; 4) The towing hitch or running gear must be removed (Including tongues, axles, brakes, wheels, and lights). The chassis must stay in place: A chassis that has been removed from a manufactured unit is unacceptable for Title II programs; 5) There must be a properly enclosed crawl space with a continuous permanent foundation-type construction (similar to a conventionally built foundation, i.e., concrete, masonry or treated wood). The perimeter 3-13 3/90 4145.1 REV-2 (3-4.B.5)) enclosure, if separate from supporting the foundation, must: a. Be designed to resist all forces to which it may be subject without transmitting to the building superstructure any movements or effects caused by frost heave, soil settlement (consolidation), or the shrinking or swelling of expansive soils; b. Be adequately secured to the perimeter of the unit to exclude entry of vermin and water; and c. Allow proper ventilation of the crawl space. 6) The site, site improvements, and all other features of the property (exclusive of the manufactured living unit) not addressed by the Federal Manufactured Home Construction and Safety Standards, must meet or exceed applicable requirements of 24 CFR 200.926d (except 200.926d(c)(4)(i)); See Appendix 8; 7) The manufactured unit must be braced and stiffened before it leaves the factory to eliminate racking and potential damage during transportation; 8) It must be eligible for high-ratio insured financing according to 24 CFR 203.18(a)(2). Acceptance for mortgage insurance is satisfied by interpretation of the beginning of construction as the "commencement of onsite construction." The manufactured home must not have been installed or occupied previously at any other site or location. 9) The manufactured unit must be insulated so that the envelope "Uo" value (calculated according to NFPA 501, BM-1976) does not exceed: a. 0.145 in Climatic Zone I, includes Alabama, Arizona, Arkansas, California, Florida, Georgia, Hawaii, Louisiana, Mississippi, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee and Texas; 3/90 3-14 4145.1 REV-2 CHANGE 1 (3-4.B.9) b. 0.087 in Climatic zone III, includes Alaska, Maine, Michigan, Minnesota, Montana, New Hampshire, North Dakota, South Dakota, Vermont, Wisconsin and Wyoming; and c. 0.099 in Climatic Zone II, the remainder of states; * Prior to the manufactured unit being delivered to the site and/or placed on the foundation, a Manufacturer's Certificate must be provided to the lender showing the following information: - FHA Case Number and address of the property; - The label (metal plate) number of the unit as shown on the Federal Manufactured Home Construction and Safety Standard Data Plate on the exterior of each home; - The Climatic Zone (I, II or III) the unit was designed for, according to NFPA 501 BM-1976; and - The overall coefficient of heat transmission ("Uo" value) calculated in accordance with NFPA 501 BM-1976. 10) The fee inspector must verify the Uo value on each units Data Plate. a. Heat loss requirements for Zone I will be fulfilled in any manufactured home bearing a Data Plate indicating compliance with MHCSS Zone II (Data Plate labeling for Zone III is acceptable for Zone II). Where this is the case, heat loss calculations for the unit need not be submitted. b. Whenever Uo value calculations are certified by a manufacturer's Design Approval Primary Inspection Agency (DAPIA) as being equal to or more stringent than this criteria, it may be assumed that the manufactured home complies with these heat loss requirements. 3-15 2/92 4145.1 REV-2 CHANGE 1 (3-4.B.) 11) If the field office has a question as to the acceptability of the unit's construction, the unit should be determined unacceptable pending a review by the applicable State Administrative Agency or HUD Headquarters Staff (Manufactured Housing Division). 12) There must be a Builders Certification, Form HUD 92541 (Appendix 2) for all site work, including the permanent foundation (see paragraph 3-3). a. Do not review the construction exhibits for the dwelling superstructure for compliance with the Federal Manufactured Home Construction and Safety Standards. Construction exhibits for the unit consist of a description of materials and a floor plan. Use for appraisal purposes only. b. Exhibits to submit for review: 1. Builders certification for manufactured housing (Form HUD 92541; see Appendix 2); 2. Agreement to Execute a Builder's Warranty of Completion of Construction (Form HUD 92541-A see Appendix 5); 3. Floor plan of the unit (this may be a brochure type floor plan that shows the layout of the home, with no scale; 4. Description of Materials; Describe the type of materials used to build the unit. It does not have to be elaborate and can merely state the type of siding, roofing, carpeting, etc. For site and foundation work, use Form HUD 92005. 5. Design calculations, details and drawings for installation, anchorage and construction 2/92 3-16 4145.1 REV-2 CHANGE 1 (3-4.B.12)) details of permanent foundation and perimeter enclosure; 6. Heat loss calculations from manufacturer to show compliance with paragraph 3-4.B.9) and 10). Submit insulation details when calculations are required; 7. Site elevation determinations related to potential flooding must be based upon information shown on National Flood Insurance Rate Maps, where available; In all other cases, use Regional Civil Engineering staff for determinations. 8. Plot plan (see paragraph 2-2.A.); 9. Additional exhibits, where necessary, to ensure site acceptability (see paragraph 2-2.F.); and 10. Individual water supply and sewage disposal systems (see paragraph 2-5). c. The intermediate (framing) inspection customary for site-built housing will not be required. C. Criteria for Existing Properties. Refer to Appendix 11, Architectural Requirements Grid. Refer to HUD Handbook 4150.1 for appraisal criteria. The foundation design information in HUD Handbook 4930.3, Permanent Foundations Guide for Manufactured Housing, Appendices A, B and C, may be used to verify the design of the existing system. Provide a structural engineers certification to verify compliance with the handbook guidelines and with the requirements set forth in paragraph 3-4.B. Existing manufactured homes must not have been installed or occupied on any other site and must comply with items B-1) through item B.6) and item B.9) as listed for proposed construction. Mortgage insurance is not allowed if the manufactured home was moved from another 3-17 2/92 4145.1 REV-2 CHANGE 1 (3-4.C.) site. Also comply with the general eligibility criteria in paragraph 3-4.A. Manufactured units which have been erected on a site for one year or less prior to the date of application for mortgage insurance and which were not approved by HUD or a DE Lender prior to their construction on site, are subject to a loan-to-value limitation of 90 percent (for a principle resident) of the appraised value of the property (See 24 CFR 203.18(a)(3)). Exception to the above limitation is allowed only where the unit is covered by a HUD accepted insured ten-year protection plan (List is in Appendix 10) described in chapter 6 and the manufactured home has never been occupied. The application for insured financing must be accompanied by the name of the Plan and a Builder's Certification (See paragraph 3-3.) that the plans and specifications for the property comply with all standards and requirements specified herein. Comply with HUD Handbook 4930.3 for a "proposed construction" property. The Conditional Commitment/DE Statement of Appraised Value, Form HUD 92800.5B, will be issued with a condition requiring evidence to be submitted that the property is covered by an acceptable Plan at the time of the request for insurance endorsement. In this instance, the property could qualify for high loan-to-value financing. Borrower must be notified by lender that Section 518(a) financial assistance is not allowed. 3-5. PERMISSION TO START CONSTRUCTION (EARLY START) < HYPERLINK \l "_top" TOP>. This procedure is appropriate to assist builders with starting construction prior to the completion of the appraisal. Use of the "Early Start" will allow relief when backlogs occur during high volume situations. See Appendix 6 for a suggested format. After issuance of the building permit by the local authority the mortgagee may request permission for the builder to start construction before the issuance of a Conditional 2/92 3-18 _____________________________________________________________________ 4145.1 REV-2 CHANGE 1 (3-5.) Commitment/DE Statement of Appraised Value, Form HUD 92800.5B. An "Early Start Letter" issued by HUD or a Direct Endorsement lender is deemed as an approval for mortgage insurance before the beginning of construction (placement of permanent construction on the site). The builder must be on the approved certification list (see paragraph 3-3.K.3)). If project is borderline in character, requiring complete processing to determine acceptability and feasibility, the "early start" procedure cannot be used. A. Term of the Commitment - Normal term for proposed construction cases, beginning with the date of the "Early Start Letter". B. Mortgagee responsibilities. 1) Comply with requirements listed in paragraph 3-3.D; 2) Submit request to HUD field office; 3) Submit a Builders Certification, Form HUD 92541, and the Agreement to Execute a Builder's Warranty of Completion of Construction, Form HUD 92541-A. See paragraph 3-3.E. for instructions); and 4) Submit two copies of the plot plan. C. Architectural Branch Responsibilities. Review the builders certification to determine compliance with paragraph 3-3.A. through C. Consult with Valuation staff for any circumstances that would prevent issuance of commitments. 1) If acceptable, prepare a letter to the mortgagee and/or builder similar to suggested format in Appendix 6. Place copy of letter in case binder. 2) If unacceptable, notify the mortgagee. Use Form HUD 92026, Report on Application. 3-19 2/92 4145.1 REV-2 CHANGE 1 (3-5.) D. Builder Responsibilities. 1) Construction exhibits must be available at site, identical to those provided to the mortgagee; 2) Call fee inspector to request initial inspection (see paragraph 4-3); and 3) Construct dwelling according to certified exhibits. 3-6. CONDITIONS OF COMMITMENT< HYPERLINK \l "_top" TOP>. The Conditional Commitment/DE Statement of Appraised Value (Form HUD 92800.5B) contains General Commitment Conditions and provisions for Specific and Special Commitment Conditions. A. General Commitment Conditions apply to all cases for compliance with HUD requirements and do not require additional attention. B. Specific Commitment Conditions must be indicated by checking the boxes applicable to the specific case. C. Special Conditions are extensions of the Specific Conditions. Provide to Direct Endorsement lenders for their use. The Architectural Special Condition Sheet (AC Sheet) is attached to Conditional Commitment/DE Statement of Appraised Value, Form HUD 92800-5B (see paragraph 3-7). 1). Developed by the Chief Architect, listing typical special conditions for proposed construction cases. List only those items that require compliance with 24 CFR 200.926d (See Appendix 8). Provide a space for the FHA case number, the name of the builder and the property address. Allow enough space for use when adding requirements that are not preprinted on the sheet. Review annually and revise as necessary. Number in sequence (i.e., AC-1, AC-2, etc.). Do not repeat general or specific commitment conditions printed on the Conditional Commitment. 3-20 2/92 4145.1 REV-2 CHANGE 1 (3-6.C.) 2) Disposition of AC Sheet. Complete in triplicate. Valuation Branch or DE Underwriter must include as a Special Commitment Condition. a. Send the original to the mortgagee attached to the Conditional Commitment/DE Statement of Appraised Value, Form HUD 92800.5B; b. Retain one copy for the office case binder, attach to Form HUD 92800.5B; and c. Place one copy in the "Inspection Copy" of the construction exhibits. 3-7. FEE ALLOCATIONS FOR ARCHITECTURAL REVIEWS < HYPERLINK \l "_top" TOP> are authorized in field offices with severe staffing shortages in the Architectural area. Fee personnel must be knowledgeable in the HUD Minimum Property Standard (24 CFR 200.926d) and the exhibit requirements in chapter 2 of this handbook. Fee processors must be in the locality of the field office in order to ensure the timeliness of the review. The cost will not exceed fifteen dollars ($15.00) per case (Use Form HUD 3650). Variance from this fee must be obtained from Headquarters, with adequate justification. The review must only encompass the HUD requirements of chapter 2 and 24 CFR 200.926d (See Appendix 8). If a case is rejected, the fee processor must fill out Form HUD 92026, properly noting all non-compliances. The field office is responsible to spot check fee processors, work and review all reconsiderations. Fee processors, must be encouraged to avoid rejecting a case when possible. If the review is at the Post-Commitment/Post Endorsement stage, complete Form HUD 92542 according to instructions in paragraph 3-3.K.5). Fees for Field Reviews are established by the field office; however, the fee should be less than that of a final inspection, because there are no photographs involved. Fee should also be based on interior and/or exterior inspection. 3-21 2/92 4145.1 REV-2 CHANGE 1 3-8. DESK REVIEW OF STAFF AND FEE PERSONNEL< HYPERLINK \l "_top" TOP>. The Chief Architect, Supervisor (or designee) must verify the conclusions reported by fee or staff personnel. A. Items to be Reviewed: 1) Basic cases in MCC (group) submissions (also review yearly to check for compliance with changed requirements); 2) Cases in new areas that may establish precedents; 3) Cases involving complex or unusual design features; 4) Cases involving special programs in which the field office has limited experience; 5) Cases reviewed by staff personnel who are relatively inexperienced in applying HUD procedures and techniques; 6) Cross section of cases for selective or spot check review; and 7) Inspection reports, including site grading and drainage. B. Performance Review. The work of each staff and fee reviewer (10% minimum) and all inspection reports of fee personnel will be office reviewed to assure accuracy, consistency, good judgment and integrity. Refer to Handbook 4020.1 for fee personnel requirements for maintaining a good standing on assignments. C. Amendment Procedure. The reviewer can amend or correct any report prepared by staff or fee personnel. All modifications are noted, dated and initialed in red. 1) Upon completion, the reviewer signs the case or report to indicate any action and certifies that the conclusions (as submitted or modified) are justified. 2) If the findings on the report are unacceptable, the reviewer can prepare a new report. 2/92 3-22 _____________________________________________________________________ 4145.1 REV-2 CHANGE 1 3-9. RECONSIDERATION PROCEDURE< HYPERLINK \l "_top" TOP>. Refer to: A. Handbook 4160.1, Reconsideration Before Endorsement. B. Handbook 4170.1, Reconsideration After Endorsement. 3-10. COMPLAINT PROCESSING PROCEDURES< HYPERLINK \l "_top" TOP> (Refer to Handbook 4070.1 and 4000.4). If the homeowner has a HUD accepted insured ten-year protection plan, the HUD Field Office cannot get involved in the complaint until all remedies are sought through the warranty plan, including arbitration. However, if a major structural defect is involved, the Field Office can make a site inspection and provide an opinion letter as to whether a structural defect is present (or imminent). This documentation will be given to the homeowner to assist the arbitrator in making a decision based on the merits of the claim in lieu of obtaining information only from the Plan. 3-11. PROPERTIES TO BE REHABILITATED (203k program) < HYPERLINK \l "_top" TOP>. Follow instructions in Handbook 4240.4 REV-1, dated September 1989. 3-12. SPECIAL MATERIALS, PRODUCTS AND METHODS OF CONSTRUCTION < HYPERLINK \l "_top" TOP>. When a proposed construction case involves a non-standard material or product, refer to the applicable release or bulletin (e.g., Materials Release, Use of Materials Bulletin, Engineering Bulletin, Truss Connector Bulletin, or a Mechanical Engineering Bulletin). When a Structural Engineering Bulletin (SEB), Regional Letter of Acceptance (RLA), or State Agency Regulation is required, note as a Special Condition on Form HUD 92800-5B. The field office will give the participant Handbook 4950.1, Technical Suitability of Products Program, that describes the review procedure when no Materials Release or Bulletin has been issued. 3-13. PARTIALLY COMPLETED AND EXISTING CONSTRUCTION < HYPERLINK \l "_top" TOP>. The Valuation Branch is responsible for reviews and analyzes existing properties (see Handbook 4905.1). When requested, Architectural staff will report on findings of any field or office reviews concerning the acceptability under life and safety requirements of HUD standards and applicable codes. 3-23 2/92 4145.1 REV-2 CHANGE 1 3-14. CONDOMINIUM PROCESSING < HYPERLINK \l "_top" TOP>. See Handbooks 4150.1 and 4265.1. 3-15. REVIEW OF HUD ACQUIRED PROPERTIES < HYPERLINK \l "_top" TOP> is the responsibility of the Property Disposition Branch. When requested, the Architectural staff will work with the Valuation staff to determine the best way to restore the properties to a good condition and will estimate the cost of repairs. When extensive rehabilitation is proposed, it may be necessary for the Architectural Branch to prepare drawings and specifications to permit competitive bidding on the work. Compliance inspections would also be provided. 3-16. PROCESSING WATER AND SEWERAGE SYSTEMS < HYPERLINK \l "_top" TOP>. This is done by the Architectural Branch. Advice should be requested from HUD Environmental Engineer, Local Health Authorities, and when necessary, HUD Central Office. The following handbooks establish criteria for the proposed systems: A. Central Water and Sewerage Systems, Handbook 4075.12. B. Minimum Design Standards for Community Water Supply Systems, Handbook 4940.2. C. Minimum Design Standards for Community Sewerage Systems, Handbook 4940.3. 3-17. RECORDS DISPOSITION < HYPERLINK \l "_top" TOP>. Comply with instructions in Handbook 2225.6, Appendix 20. Construction exhibits must be available for copying by any purchaser, homeowner or warrantor as directed in Section 801 (Builders Warranty) of the National Housing Act. 3-18. BUILDER'S WARRANTY < HYPERLINK \l "_top" TOP>. When the builder completes the Builder Certification, Form HUD 92541, the builder must also sign Form HUD 92541-A, Agreement to Execute a Builder's Warranty of Completion of Construction (See Appendix 5). On all properties that receive high loan-to-value financing, the builder must complete (prior to closing the loan), Form HUD 92544, Warranty of Completion of Construction and Form HUD 92544-A, Addendum to Warranty of Completion of 2/92 3-24 4145.1 REV-2 CHANGE 1 (3-18) Construction (See Appendix 7). These forms ensure that the builder provides a one-year warranty on the property. The Department provides a four-year structural defect warranty on all "proposed construction" properties. HUD Handbook 4070.1, Chapter 2, explains the warranty; it was established under Section 518(a) of the National Housing Act. If the builder is determined to be at fault for the structural defect, the Department will allow the builder to make repairs. If the builder refuses to make repairs, administrative sanctions will be imposed prior to the Department providing financial assistance to the homeowner. 3-19. AFFIRMATIVE FAIR HOUSING MARKETING PLAN < HYPERLINK \l "_top" TOP>. See HUD Handbook 4000.2 and Handbook 8025.1. 3-25 2/92  HYPERLINK ""  Architectural Processing and Inspections for Home Mortgage Insurance  Directive Number: 4145.1  4145.1 REV-2 CHAPTER 4. COMPLIANCE INSPECTIONS 4-1. GENERAL < HYPERLINK \l "_top" TOP>. Compliance inspections are to ensure that the mortgage risk in construction stays within acceptable limits. Refer to the Architectural Requirements Grid in Appendix 11. Inspections in no way relieve the builder of his/her contractual obligations to the home buyer. Commitments for insurance require the completion of construction according to accepted drawings, any amendments, description of materials and the conditions of the commitment. Construction must be in a manner equal to or exceeding applicable HUD requirements. HUD neither attempts to control the building operation nor forces its requirements upon the builder. However, HUD may refuse to insure the mortgage if the provisions of the commitment and all other pertinent requirements are not fulfilled. 4-2. INSPECTION RESPONSIBILITIES < HYPERLINK \l "_top" TOP>. A. Architectural Staff: See Para. 1) Review performance of fee inspectors 4-18 on proposed construction cases 4-24 2) Field review five percent of all 4-24 inspections performed by fee inspectors 3) Manufactured housing inspections 4-9 4) Rehabilitation inspections 4-11 5) Truss fabrication inspections 4-12 6) Complaint inspections 4-14 7) Subdivision inspections 4-15 8) Casualty Damage inspections 4-16 9) Review mortgagee certifications 4-25 ___________________________________________________________________________ 4-1 3/90 ___________________________________________________________________________ 4145.1 REV-2 ___________________________________________________________________________ (4-2.A.) 10) Review inspections made by 4-26 the local authority 11) Train field office staff and 4-27 fee personnel 12) Maintain adequate fee inspector panel 3-8.B 13) Provide architectural support to other Branches in the Field Office B. Fee Inspector ensures that proposed construction is in compliance with the local, State or CABO code and HUD requirements in  HYPERLINK "file:///F:\\4145-1\\nph-brs.cgi?d=CF97&l=20&s1=200.926$%5bno%5d&SECT1=TXTHLB&SECT5=CF97&u=../cgi/legis.cgi&p=1&r=0&f=S" 24 CFR 200.926d (See Appendix 8), where applicable: For field review purposes, fee or staff inspectors must submit to HUD Architectural Branch a signed, legible copy of all compliance inspection reports (new construction only). Include photographs discussed below. 1) Substantial rehabilitation inspections (See Handbook 4240.4) 2) Proposed construction inspections (including properties with a HUD accepted insured ten-year protection plan) a. At final inspection (when all on-site improvements have been acceptably completed), fee inspectors (or fee appraisers, where property is complete and has a ten-year protection plan) are required to take a color photograph of each diagonally opposite front and rear corner of house to record adequate grading and drainage of site. Photographs should be taken from street at the property corner (front shot) and from a rear property corner (rear shot) diagonally opposite the front property corner. This also applies to final inspections performed on all homes built under an 3/90 4-2 4145.1 REV-2 (4-2.B.2)a.) HUD accepted insured ten-year protection plan. See Appendix 8 for suggested format for submitting photographs. b. Final inspection report must provide a specific statement on acceptance of grading and drainage. Inadequate grading and drainage is the biggest complaint of homebuyers and should be carefully reviewed. Also discuss thoroughly in training sessions. If reviewer notes questionable items in photographs, amend compliance inspection report accordingly and/or contact the inspector. A field review may be necessary. c. Photographs must be permanently placed in case binder. Field Office must ensure that photographs are included with the endorsed case file sent to Headquarters. d. Where the first and second compliance inspection are waived by the HUD Field Office (because the local authority or a HUD accepted insured 10-year protection plan has been accepted to do the inspections), the inspector must make the following statement on Form HUD 92051: "The initial and intermediate inspections were waived because of __________________ (acceptance of inspections by the local authority or the 10-year warranty by (name of warranty company)). The dwelling appears to be completed in conformance with the submitted construction exhibits." 3) Repair inspections on existing properties are completed according to instructions in paragraph 4-13. Fee Appraisers are not to be assigned inspections on proposed construction cases unless they have been certified by the 4-3 3/90 4145.1 REV-2 (4-2.B.2)d.3)) Architectural Branch to do fee inspections. 4) Final inspections on properties "under construction" or "existing less than one year old." See paragraph 6-3.A.3). 4-3. NUMBER OF INSPECTIONS < HYPERLINK \l "_top" TOP>. Not less than three inspections are required on properties involving proposed construction cases (See paragraph 4-4 for types), with the following exceptions: A. Manufactured Housing. Require an initial and final inspection on: 1) "Mobile" units conforming to Federal Manufactured Home Construction and Safety Standard. See paragraph 3-4. 2) "Modular" units conforming to a Structural Engineering Bulletin, Regional Letter of Acceptance or Category III State approval. Refer to Handbook 4950.1 for criteria on plant inspection procedures. B. Properties Covered by Insured Ten-Year Protection Plans may require only the final inspection (Refer to paragraph 6-2 for acceptance criteria). In areas where specific problems are known to recur, or when there is a high incidence of complaints against the builder, the initial and intermediate inspections should be required. (Thoroughly document the Builder's file). The builder must advise HUD of coverage prior to the issuance of the conditional commitment for this exception to apply or three inspections will be required. C. Local Authorities that are approved by the HUD Field Office can make the initial and framing inspections (See paragraph 4-26). Fee inspector must make the final inspection. 3/90 4-4 4145.1 REV-2 (4-3) D. Additional inspections are warranted if: 1) Builder is known for substandard work. Continue to inspect until quality of work and supervision is acceptable. 2) Builder is unfamiliar with HUD requirements. 3) Proposal involves unusual construction methods or site features. 4-4. CONSTRUCTION STATUS NOTIFICATION TO THE INSPECTOR < HYPERLINK \l "_top" TOP>. Required of the builder or mortgagee as indicated on Form HUD 92800-5B, Conditional Commitment / Statement of Appraised Value. After the HUD assignment of the fee inspector, the mortgagee (or builder, if allowed by the lender) can directly contact the fee inspector to schedule inspections. If fee inspector cannot he reached, call HUD Field Office for assignment of another fee inspector (Construction exhibits must be available at site). Unless instructed otherwise, builder can proceed with construction after giving proper notice. If work is not complete and ready for inspection, fee inspector may still charge a fee and require another inspection when work is ready. A. Initial Inspection. Required before the "beginning of construction" (defined as placement of permanent construction) with foundation forms in place. Give two workdays' notice. An open excavation, without a minimum of foundation forms in place, must be reinspected by the fee inspector. B. Framing Inspection. Required when the building is enclosed and the framing, plumbing, heating, electrical, and insulation is complete and visible. Give one workday notice. 4-5 3/90 4145.1 REV-2 (4-4) C. Required Optional Inspections. Required by a specific condition of the commitment. Give one workday notice. Additional inspections may be required on non-typical construction techniques, or when the builders quality of workmanship is in question. D. Final Inspection. Required when construction is completed and property is ready for occupancy. Give one workday notice. 4-5. PREMATURE CONSTRUCTION < HYPERLINK \l "_top" TOP> is the beginning of construction before HUD or the DE lender has issued a Conditional Commitment/ DE Statement of Appraised Value, Form HUD 92800.5B, or an Early Start Letter. Outstanding commitment must be amended to reflect a reduced loan amount and term of commitment ("existing" in lieu of "proposed" construction). When the Compliance Inspection Report (Form HUD 92051) shows premature construction, the reviewer judges the reasonableness of the fee inspector's opinion from the date of the report, the date of the commitment and the reported progress of the work. If the fee inspector's opinion is not supported by factual evidence, reviewer modifies report to show an acceptable start of construction. A. Property Eligibility. Dwelling is no longer acceptable for the maximum benefits provided by the National Housing Act including the four-year structural defect warranty under Section 518(a). B. The Mortgagee is Notified by letter (from Director of Housing), with a copy of Compliance Inspection Report. The remaining compliance inspections may be made. 4-6. BUILDER REFUSAL TO UNCOVER CONCEALED CONSTRUCTION < HYPERLINK \l "_top" TOP> goes on the compliance inspection report in Part IV-A(b). The Field Office Manager must notify the Mortgagee by letter, accompanied by the compliance inspection report. This could be a basis for refusal to endorse the loan and for a Limited Denial of Participation (LDP) action against the builder. 3/90 4-6 4145.1 REV-2 4-7. POSTING HUD CASE NUMBER < HYPERLINK \l "_top" TOP>. Provided by the builder on each property. The number should be at least three inches high, fade-resistant and easily read from the street. If case number has not been issued, use lot and block designation. 4-8. POSTING EQUAL EMPLOYMENT OPPORTUNITY PLACARD (HUD 928.1) < HYPERLINK \l "_top" TOP>. Required by the Department of Labor, Office of Equal Employment Opportunity. HUD will furnish this to the builder if they are available. Display the placard in a conspicuous place at the job site. One placard may cover a group of contiguous properties being constructed simultaneously by a builder. 4-9. MANUFACTURED HOUSING INSPECTIONS < HYPERLINK \l "_top" TOP>. A. Mobile. See instructions in paragraph 3-4. B. Modular. Factory built units must comply with the applicable code and with 24 CFR 200.926d. See Handbook 4950.1 and Appendix 8. 4-10. DIRECT ENDORSEMENT INSPECTIONS < HYPERLINK \l "_top" TOP>. See Handbook 4000.4. 4-11. REHABILITATION INSPECTIONS < HYPERLINK \l "_top" TOP>. See Handbook 4240.4. 4-12. TRUSS FABRICATION INSPECTIONS < HYPERLINK \l "_top" TOP>. The manufacturer is subject to periodic inspection by HUD Field Office. Inspections apply to the manufacture of finished products and individual components. Truss connectors, fabrication and materials must be carefully checked. If structural deficiencies exist, report non-compliance to the Field Office Manager, who forwards the findings to the Deputy Assistant Secretary for Single Family Housing. 4-7 3/90 4145.1 REV-2 4-13. REPAIR INSPECTIONS < HYPERLINK \l "_top" TOP>may be assigned to a fee inspector by the Valuation Branch; however, it is the responsibility of the Valuation Branch to review the reports and do the field reviews. Only a completion inspection is required. The inspection is paid by the mortgagee. Major deficiencies that are not commitment conditions are described by memorandum to the Valuation Branch with recommendations for correcting the problem. Non-commitment items are not to be included on the compliance inspection report. 4-14. COMPLAINT AND STRUCTURAL DEFECT INSPECTIONS < HYPERLINK \l "_top" TOP>. See Handbook 4070.1, Handbook 4000.4 and paragraph 3-10 of this handbook. Also see paragraph 6-2.F.4). 4-15. SUBDIVISION INSPECTIONS < HYPERLINK \l "_top" TOP>. See Handbook 4135.1. 4-16. CASUALTY DAMAGE INSPECTIONS< HYPERLINK \l "_top" TOP>. See Handbook 4330.1. Mortgagees are to contact and pay fee inspectors directly. Fee inspectors report findings on Form HUD 92051 and return it to the mortgagee. 4-17. ROTATION OF INSPECTORS < HYPERLINK \l "_top" TOP>is recommended within subdivisions or communities with a large volume of construction. In subdivisions using Master Conditional Commitments or Master Appraisal Reports, inspectors should be rotated every six months. The same fee inspector must not make more than four inspections on a single property. However, if four or more inspections are required on Form HUD 92800.5B, then one additional inspection will be allowed for the same inspector. If only the final inspection is required on a property (because the builder is providing a HUD accepted 10-year protection plan), then one additional inspection will be allowed for the same inspector. 4-8 3/90 4145.1 REV-2 4-18. OFFICE REVIEW OF INSPECTION REPORTS (Form HUD 92051) < HYPERLINK \l "_top" TOP>. Follow the instructions in Handbook 4190.1. Also see paragraph 4-2.B.1). Reports may reveal need for field review, special handling of a case or the need for added special construction requirements to satisfy applicable code(s), or HUD's Minimum Property Standards. 4-19. ISSUANCE OF INSPECTION REPORTS < HYPERLINK \l "_top" TOP>. The initial and intermediate (framing) inspection can be considered official when signed by fee inspector. Chief Architect must determine the extent of this policy. Continued issuance of reports without office review must depend on reasonable assurance of quality inspections. Exception: All repair and all final inspection reports must be reviewed before becoming official, signed by the Chief Architect or designee. 4-20. UNREPORTED NON-COMPLIANCE < HYPERLINK \l "_top" TOP>. If the noted deficiency was probably visible at a previous inspection it should be reviewed to determine whether corrections are essential. An inspection report made at any stage of construction (except final inspection) should be construed as final acceptance of work previously performed. 4-21. EXTENSIVE NON-COMPLIANCES < HYPERLINK \l "_top" TOP> are (1) unacceptable variations to the HUD-accepted exhibits or; (2) unacceptable construction. Before checking box 11, Form HUD 92051 (& appropriate subboxes), the fee inspector should conclude that correcting the non-compliance would be impracticable and the property would be unacceptable under the outstanding conditional commitment, or builder refusal to correct the problem is evident. 4-9 3/90 4145.1 REV-2 4-22. CONSTRUCTION CHANGES < HYPERLINK \l "_top" TOP> are revisions to the accepted set of exhibits. Provide to HUD in one of three ways: A. Mortgagee Submits Form HUD 92577, Request for Acceptance of Changes in Approved Drawings and Specifications (Instructions are in Handbook 4190.1). If forms are not available, the mortgagee may submit a letter. Ensure that the essential information contained on the form is present. Fee inspector may review Form HUD 92577 and make recommendations and comments at the time of inspection. B. List Changes on Compliance Inspection Report. Fee inspector may encounter changes during inspection and should report changes on Form HUD 92051. Field Office may require the mortgagee to submit Form HUD 92577. C. Field Acceptance of Changes. Fee inspector can accept only minor "no cost/non-structural" variations. Do not report them on Form HUD 92051. 4-23. ACCEPTANCE OF CONSTRUCTION CHANGE(S) < HYPERLINK \l "_top" TOP> is official when the mortgagee has been properly notified in writing by the HUD Field Office Manager or Supervisor by issuance of a countersigned Compliance Inspection Report or Request for Acceptance of Changes. The builder assumes the risk for non-approved changes. Any change from the approved construction exhibits may be the subject of a homeowner complaint and should be viewed in this light by the fee inspector. When proposed changes have been accepted by HUD or the DE lender, the exhibits are considered as having been amended. Send copy to fee inspector. If an accepted change is not made, the fee inspector must report the variation from the amended exhibits. A. Minor variations are departures from the approved construction exhibits whose identification on the 3/90 4-10 4145.1 REV-2 (4-23.A.) Compliance Inspection Report would serve no useful purpose. 1) Cost limits should not be established and used as a criterion (e.g., elimination of a five-dollar light fixture or twenty (20) dollar exhaust fan might be unacceptable). 2) If there is any doubt about acceptability, the inspector must report the change (e.g., Relocation of a window may be considered a minor variation; however, if it adversely affects the dwelling, the change should be reported). B. Fee Inspector Responsibilities. Review the change at the time of inspection to ensure that the changes are appropriate, technically sound, adequately described on Form HUD 92577 and that the form has been properly completed. 1) Report all variations that have not been processed under paragraph 4-22.C. or previously accepted by HUD. 2) Describe change(s) on the Compliance Inspection Report, but do not show acceptance of any variation even though it appears to be technically acceptable. Replacement cost and mortgage terms could be affected. 3) Differentiate between acceptable minor variations and those changes that are not acceptable for field approval. Plan reversals must be reported. 4) Review the cost estimate and ensure that it is reasonable. Modify if necessary. 4-11 3/90 4145.1 REV-2 4-24. FIELD REVIEWS < HYPERLINK \l "_top" TOP> are required on at least five (5) percent of all inspections and will be reviewed by the Chief Architect (Supervisor or designee). Use Form FHA HUD 1038-A, Architectural Field Review Report. Make specific comments on grading and drainage (See Appendix 8 and paragraph 4-2.B.). Report monthly to the records clerk. Chief Architects must keep informed of the general quality of inspections and fee inspector performance. In areas where local authorities do the initial and intermediate inspections and in areas where these inspections have been waived because the builder has a HUD accepted insured ten-year protection plan, all phases of construction should be field-reviewed semi-annually to determine continued acceptability of local authority inspections. In areas where a lender has been approved to submit applications to a nearer office (Lender's Option), it is the responsibility of the office that processed the loan to make the field reviews on the property. 4-25. REVIEW OF MORTGAGEE CERTIFICATIONS < HYPERLINK \l "_top" TOP>. Architectural Branch is responsible for reviewing at least ten (10) percent of all certifications on "proposed" and "existing" properties. A. Field Review at least five (5) percent for reliability. 1) Use Compliance Inspection Report, Form HUD 92051. 2) Mortgagees must be notified if corrections are necessary for a clear certification. If improper certification is apparent, request lender to make repair out of their own funds. B. Maintain a Record of Certifiers. If mortgagees provide unacceptable certifications, referral to Mortgagee Approval Board may be necessary. 4-26. INSPECTIONS BY LOCAL AUTHORITIES < HYPERLINK \l "_top" TOP> can be approved by the HUD Field Office for the initial and intermediate stages of construction. The builder should give a copy of the inspection record (or certificate of occupancy) to the fee inspector at final inspection, clearly identifying the 3/90 4-12 4145.1 REV-2 (4-26.) property (Also see paragraph 4-2.B.2)d.). Maintain a record of this approval; include copies of field reviews to verify continuing acceptance. Just because a local authority is acceptable to do subdivision processing under the Local Area Certification process is no reason to automatically approve them to do the initial and intermediate inspections. A. Approval criteria. 1) Local authority determines that each dwelling has a continuing supply of safe and potable water, sanitary facilities, sewage disposal and surface water disposal to ensure healthful conditions; 2) Local inspections determine that footings or ground-supported slabs will rest on soil that is stable and has an acceptable bearing capacity; 3) Local inspections determine that footings are suitable to support the anticipated loads and are below the locally prevailing frost line; 4) Local inspections assure structural safety and safety from fire hazards; 5) Local inspections are made on electrical and plumbing work to ensure safety, durability and satisfactory performance; and 6) Local authority provides the builder with tags, slips or other means of recording required inspections. B. Substandard Construction. The HUD Manager must notify the local authority an builders when HUD compliance inspections may resume. 4-13 3/90 4145.1 REV-2 4-27. TRAINING of HUD Field Office < HYPERLINK \l "_top" TOP> staffs and fee personnel is the responsibility of the Chief Architect (Supervisor) to improve the quality and efficiency in accepting, for processing and inspection purposes, the architectural exhibits and builders' certifications. A. Training Sessions should be scheduled semi-annually; however, one a year is mandatory. When distance from the HUD Field Office is a problem, fee personnel should be kept advised of developments and attend when practicable. 1) Discuss grading and drainage problems. Use field review notes and examples of photographs (See Appendix 8 and paragraph 4-2.B); 2) Provide information on new materials and unusual details of construction; 3) Train personnel to inspect work of various trades; and 4) Personnel should be encouraged to offer suggestions and help solve problems. B. Inspection Guide must be prepared by each HUD Field Office for issuance to inspectors and staff personnel. See paragraph 7-3. 4-28. HUD RECOMMENDATIONS FOR MODEL CODE CHANGE(S) < HYPERLINK \l "_top" TOP>. Suggested by staff personnel to correct errors, omissions, or to make improvements to the content of a model code. Interpretations of model codes will be by their publishers. A. Submit Proposals to Headquarters, Office of Manufactured Housing and Regulatory Functions, Construction Standards Branch. B. Justification for Change. Each proposal must include supporting statements for the change and specifically 3/90 4-14 4145.1 REV-2 (4-28.B.) identify: 1) Clearly state the purpose of the proposed code change to: a. Clarify the code, or revise outdated material; b. Substitute new or revised material for current provisions of the code; c. Add new requirements, etc. 2) Provide reasons for changing the current provisions of the code. Changes that add or delete requirements must be supported by logical arguments that clearly show why the present code provisions are inadequate or overly restrictive, and how the change will improve the, code. 3) Include all available substantiating material, i.e. (but not limited to) research reports, statistical analysis, field-related experiences and ease or difficulty in enforcing or interpreting the code. When possible, technical data should be provided to substantiate the need for a code change. Submit copy of such published data or indicate where to obtain. 4-15 3/90 Architectural Processing and Inspections for Home Mortgage Insurance Directive Number: 4145.1 4145.1 REV-2 CHAPTER 5 - ESCROW PROCEDURES 5-1. GENERAL < HYPERLINK \l "_top" TOP>. Escrow requests on proposed and existing cases are reviewed by the Architectural Branch when extenuating circumstances (beyond contractor's control) warrant acceptance of delayed completion items. Direct Endorsement (DE) Lenders are responsible for approval of escrows; however, after closing documents are submitted, HUD Field Office will monitor completion. The following methods are provided: A. Mortgagee's Assurance of Completion (Use Form HUD  HYPERLINK "file:///F:\\4145-1\\pdfforms\\92300.pdf" 92300, for deferred on-site and limited off-site work). B. Escrow Agreement for Postponed Off-Site Improvements (For deferred off-site work only, use Form HUD 92606). C. Assurance of Completion by a Public Authority (For deferred off-site work only). An assurance of completion using either Forms  HYPERLINK "file:///F:\\4145-1\\pdfforms\\92300.pdf" HUD 92300 or  HYPERLINK "file:///F:\\4145-1\\pdfforms\\92606.pdf" 92606 will be supported by an escrow of cash or an irrevocable commercial letter of credit (Bonds are unacceptable). 5-2. MORTGAGEE'S ASSURANCE OF COMPLETION (Form HUD 92300) < HYPERLINK \l "_top" TOP>. Submit in HUD case binder according to instructions on form and in Handbook 4190.1 and 4000.4. Prepare escrow only after issuance of clear final inspection report (Form HUD 92051) by the fee inspector. A. Conditions of Use. The following must prevail for a clear final inspection: 1) The record of the mortgagee for fulfilling previous assurances of completion must warrant approval of submitted form. 2) The dwelling on the mortgaged premises is habitable, safe, and essentially complete; Items essential for customary occupant use and enjoyment, or for property safety or durability, may not be escrowed. 5-1 3/90 4145.1 REV-2 (5-2.A.) 3) The deferred work cannot be acceptably completed in a reasonable period before closing, due to weather or other extenuating circumstances; but there is assurance it can be completed within no more than eight months. Completion cannot be later than the date established on Compliance Inspection Report,  HYPERLINK "file:///F:\\4145-1\\pdfforms\\92051.pdf" Form HUD 92051; 4) The work involved in the escrow arrangement is minor and uncomplicated; and 5) All other conditions of the commitment, including specific conditions not subject to field inspection, have been fulfilled by compliance or by an acceptable assurance of completion (i.e., off-site improvements). B. Instructions for Completing Form HUD 92300 are on the form and in the Single Family Underwriting Reports and Forms Catalog (Handbook 4190.1). C. Minimum Amount of Cash/Irrevocable Letter of Credit Requirement is $500 or 1-1/2 times the cost of the deferred item, whichever is greater. D. Mortgagee's Responsibilities (HUD Processed): 1) Provide written request for all escrows to HUD Field Office. DE lender must get written request from builder; and 2) Assure completion of the deferred work. If the escrow proves insufficient, the lender must pay for the deficit; and 3) Call fee inspector; obtain a Compliance Inspection Report (Form HUD 92051). E. Extension of the Completion Date is allowed when Office Manager (or Director of Housing) determines that the deferred work could not have been 3/90 5-2 4145.1 REV-2 (5-2.E.) completed within the established time frame. When an extension is granted, the tickler file date is amended. F. Receiving Clerk Responsibility is to forward all escrow requests to the Architectural Branch for disposition. G. Architectural Branch Responsibility is to review all escrow requests for HUD processed cases. Consult with the Valuation Branch, if necessary, on existing properties. DE underwriter is responsible to review all escrows on DE cases. 1) If acceptable, prepare an office report on Form HUD 92051, Compliance Inspection Report, marking Item 13 - Part I. a. Provide a description of the acceptable escrow item(s) in Part II of form; include cost estimate of each item; b. Provide the name and phone number of a fee inspector for the mortgagee to contact upon completion of escrow item(s) or mark Item 12 - Part I, allowing the mortgagee to certify; c. Provide the total amount of the escrow and the date of completion in Item B - Part IV; d. Place a stamp "92300 Escrow Acceptable" (3/8" high letters) on the front cover of the case binder. 2) If unacceptable, note such on mortgagee's request; initial and date it; then return to the mortgagee. H. Closing Clerk Responsibility: 1) Review Form HUD 92300 for completeness. 5-3 3/90 4145.1 REV-2 (5-2.H.) 2) If completion date shown on the form has passed, do not issue Mortgage Insurance Certificate unless the Director of Housing (Supervisor, or designee) grants an extension, in writing. 3) Enter "92300 Escrow" and the escrow amount directly below endorsement stamp on the note. 4) Prepare a supplementary binder showing "FHA case number", followed by "92300 Escrow". Place Parts 1 and 2 of Form HUD 92300 inside the binder. 5) Deliver the binder to the Architectural branch. I. Monitoring Function. Architectural Branch is responsible on all proposed and existing property escrows, including those accepted by DE Lenders. 1) At least 5 percent of the mortgagee assurances of completion must be field reviewed to determine reliability. 2) Maintain a list of acceptable certifiers (mortgagees) as well as those certifiers making false or otherwise unacceptable certifications. When administrative sanctions are necessary, follow HUD Handbook 4060.2. 3) After receipt of the supplementary binder, set up a tickler card file to trigger the mailing of Part 2 (Form HUD 92300) 15 days before the designated completion date. When an extension is granted, the tickler card is revised to reflect the new date. a. When Part 4 of Form HUD 92300, and Form HUD 92051 is received from the lender, then: 1. Pull the supplementary binder. 3/90 5-4 4145.1 REV-2 (5-2.I.3)a.2.) 2. Remove the original Part 1 (Form HUD 92300), staple it to the certified Part 4, with Form HUD 92051. 3. Mail the forms to Central Files in Headquarters. Instructions are in Handbook 4165.1. 4. Destroy the supplementary binder. b. When tickler date is reached and Part 4 of Form HUD 92300 and Form HUD 92051, Compliance Inspection Report, have not been received from the mortgagee, send Part 2 of the form to the mortgagee as a reminder. The tickler card is refiled with a 30 day due date. c. If Part 4 is not returned with the required certification before the second date has passed, prepare a letter to the mortgagee for the Director's signature stating that: 1. The mortgagee may not use the HUD escrow procedure in the future until the subject case deficiency is resolved. 2. If deferred work is not completed within 30 days, the case will he referred to the Mortgagee Participation and Compliance Division in Headquarters. 3. If the property goes into foreclosure, the claim will be reduced by the amount of escrow established for any incomplete work. J. Properties Acquired by HUD before completion of escrow procedure will be handled according to repair instructions in Handbook 4310.5. The insurance claim will be reduced accordingly. 5-5 3/90 4145.1 REV-2 (5-2.) K. Revision of Deferred Completion Items. 1) Mortgagee (including DE lender) submits request for waiver or substitution of required work items. Mortgagor approval must be provided. 2) Architectural Branch consults with Valuation to consider acceptability of property changes and effect, if any, of proposed changes on value. 3) If approved, and value is adversely affected, all or any excess of escrow funds must be applied as a mandatory prepayment to mortgage principal. 4) Notify mortgagee of decision, including prepayment requirements, with a copy to Central Records in Headquarters. 5-3. ESCROW AGREEMENT FOR POSTPONED OFF-SITE IMPROVEMENTS < HYPERLINK \l "_top" TOP>. Instructions are in Handbook 4115.1, Administrative Instructions and Procedures, Chapter 3. Use Form HUD 92606. 5-4. ASSURANCE OF COMPLETION BY A PUBLIC AUTHORITY < HYPERLINK \l "_top" TOP>. Instructions are in Handbook 4135.1, Procedures for Approval of Single Family Proposed Construction Applications in New Subdivisions. 3/90 5-6  HYPERLINK ""  Architectural Processing and Inspections for Home Mortgage Insurance Directive Number: 4145.1 4145.1 REV-2 CHANGE 1 CHAPTER 6 - INSURED TEN-YEAR PROTECTION PLAN 6-1. GENERAL < HYPERLINK \l "_top" TOP>. The requirements for an insured ten-year protection plan (Plan) accepted by the Department are in  HYPERLINK "file:///F:\\4145-1\\nph-brs.cgi?d=CF97&l=20&s1=203.20$%5bno%5d&SECT1=TXTHLB&SECT5=CF97&u=../cgi/legis.cgi&p=1&r=0&f=S" 24 CFR 203.200 through 203.209. For cases where the HUD Field Office determines the property will be covered by a HUD accepted insured ten-year protection plan, only the final inspection is required. However, this does not preclude the HUD Field Office from making additional inspections at any time. It allows the Field Office to reduce the number of inspections to one, a "final inspection." In this case a Certificate of Occupancy or similar approval from the local jurisdiction is required. Builders whose quality of construction has not been demonstrated, or builders who have a record of construction complaints will be required to obtain all inspections from HUD, as outlined in paragraph 4-4. When all inspections are required, the HUD Field Office will notify the Plan in which the builder participates. "Insured ten-year protection plan (Plan)" means an agreement between a homeowner and a Plan Issuer which, among other things, contains warranties regarding the construction and structural integrity of the homeowner's one-to-four-family dwelling covered by an FHA insured mortgage. A Plan Issuer may be a State, an insurance company, a warranty company, a Risk Retention Group, a builder, or any other HUD-approved entity with the required insurance backing. While the vast majority of defects and claims can be readily assessed to determine warranty coverage, unusual circumstances sometimes arise that do not always lend themselves to an obvious answer. While an arbitration process exists to normally resolve such disputes and the Department could sustain a financial loss regarding the outcome of such a dispute, the Office of the Deputy Assistant Secretary for Single Family Housing expects HUD Field Offices to provide Headquarters notification of such disputes upon learning of such a problem. 6-1 2/92 4145.1 REV-2 CHANGE 1 (6-1.) In unusual situations, Headquarters may decide to review the circumstances surrounding the claim. The Field Office may be requested to provide information relating to the nature and severity of the actual physical damage to a property, the extent to which further engineering tests identified additional unseen damage, the anticipated costs to restore the structural member, etc. Such information will be reviewed and a position adopted as to whether a structural defect exists under the criteria specified in HUD's regulations. Headquarters will advise the homeowner and the warranty provider of its decision. The term "proposed construction" is defined as "A property approved for mortgage insurance or loan guaranty prior to the beginning of construction and inspected during the construction period by HUD-FHA or the Department of Veterans Affairs (VA) (Refer to HUD Handbook 4070.1). Refer to the Architectural Requirements Grid in Appendix 11. A borrower may obtain a maximum loan-to-value ratio mortgage (minimum downpayment) in cases involving proposed construction. In such cases the borrower may, if circumstances warrant, file an application to HUD (within four years from endorsement of the mortgage) for assistance to correct structural defects under Section 518(a) of the National Housing Act (See Handbook 4070.1). A borrower will not be considered ineligible for Section 518(a) assistance merely because the borrower chooses to increase the downpayment amount. However, a borrower will be ineligible for assistance if construction was started prior to HUD's issuance of a Conditional Commitment (or early start letter) or the issuance of a Statement of Appraised Value from a DE lender. Similarly, if VA processing is used by the mortgagee, a borrower will be deemed ineligible for 518(a) assistance if construction was started prior to VA's issuance of a Certificate of Reasonable Value (or early start letter). A borrower may obtain a maximum loan-to-value ratio mortgage if the builder began construction prior to the issuance of a conditional commitment and a HUD accepted insured 10-year protection plan is provided to the borrower. However, since construction was already started, item 16 of the specific 2/92 6-2 4145.1 REV-2 CHANGE 1 (6-1.) conditions on the back of Form HUD 92800.5B would be applicable, stating: "Borrower Notification: At the time of the application for Firm Commitment, the mortgagee must include a certificate that the borrower was notified that the property was not approved for mortgage insurance prior to the start of construction and the Department does not have authority to provide financial relief for any future property repairs under Section 518(a) of the National Housing Act." 6-2. ACCEPTANCE CRITERIA < HYPERLINK \l "_top" TOP>. Requests for initial HUD acceptance or renewal of acceptance of a Plan should be made to the Deputy Assistant Secretary for Single Family Housing, Department of Housing and Urban Development, 451 Seventh Street, S.W., Washington, D.C. 20410. Requests must be accompanied by information and documentation evidencing Plan compliance with the provisions in this chapter. Applicants will be notified of the Department's determination to accept or reject their Plan. If a Plan is rejected, the applicant will be advised of the reason for rejection. A list of the acceptable plans is in Appendix 10. The applicant may appeal the rejection to the Assistant Secretary for Housing, at the above address, stating specifically why the Plan should be approved. The Assistant Secretary (whose decision is final) will, within a reasonable time, advise the applicant whether the rejection will be upheld or reversed. Plans may be issued (1) by a builder, warranty company, insurance company, or a Risk Retention Group; or (2) by a State that guarantees the builder's performance and the State's continuing financial backing throughout the Plan's coverage period. The functions of a Plan issuer and an insurance backer may be performed by a single corporate entity. All Plans must have insurance backing unless backed by the full faith and credit of a State, in compliance with the requirements in this chapter. HUD will not accept Plans backed by a State agency or a State insurance guaranty fund unless HUD is assured that the full faith and credit of the State is pledged to satisfy any and all obligations of the State agency or guaranty fund that may arise in connection with its financial backing of a Plan. Where a State has a 6-3 2/92 4145.1 REV-2 CHANGE 1 (6-2.) home protection act or other statutes or regulations that require its approval of Plans, a Plan Issuer must demonstrate such approval to HUD as an additional prerequisite to HUD acceptance. "Insurance backing" means the direct insurance or reinsurance of potential Plan obligations by one or more insurance companies. A. Plan Acceptability. HUD must be assured that: 1) If a builder fails to correct structural defects or construction deficiencies in a property covered by a Plan during the term of any warranty offered by the builder on the property, the Plan Issuer will effect the corrections in accordance with the terms of the Plan; and 2) If a Plan Issuer fails to correct the deficiencies or defects, or otherwise fails to honor the terms of its coverage, its insurance backer or, if the Plan Issuer is an insurance company, the insurance company itself, will effect the corrections or otherwise honor the Plans terms. B. Expiration of Plan Acceptance. Unless renewed, Plan acceptance by HUD expires automatically on the second anniversary date of acceptance. Plan acceptance by HUD will be for a two-year period. Insofar as practicable, HUD will respond to a Plan Issuer's request for acceptance of a change within 30 days of receipt. 1) The Plan Issuer must apply for acceptance renewal at least two months, but no more than three months, in advance of expiration to avoid automatic acceptance termination. a. Plan Issuer must submit a written certification, no later than three weeks before the anniversary date of the Plan's acceptance by HUD, that the insurance company backing its Plan is still an insurance carrier approved by the State insurance commission (or the equivalent entity) in each 2/92 6-4 _____________________________________________________________________ 4145.1 REV-2 CHANGE 1 (6-2.B.1)a.) jurisdiction in which the Plan is offered. Any company operating as a Risk Retention Group will be regarded as having met licensing, filing and approval requirements of all states provided the Plan demonstrates that it (1) meets licensing, filing and approval requirements in its domicile state; (2) meets each of the requirements of Section (a)(4) of the Liability Risk Retention Act, paragraphs (A) through (H). b. Plan Issurer must submit a written certification, no later than three weeks before the anniversary date of the Plan's acceptance by HUD, which sets forth the states in which the Plan operates. c. Plan Issuer must submit a listing of claims, repairs and awards made on FHA insured properties. The first list is due no later than September 1. 1992, and on an annual basis thereafter. Provide the following information on an individual and accumulative basis: (1) Plan Issuer's enrollment number; (2) FHA case number; (3) Homeowner's name; (4) Property address; (5) Effective date of enrollment; (6) Date the claim was received; (7) Date the claim was closed; (8) Number of days to resolve claim; (9) Amount of award; and (10) Description of claim. Plan Issuers enrollment and claim forms must include a space showing whether the property is FHA insured (or other); another space is required for the FHA case number, when applicable. d. Plan Issuer must provide a Quality Control Plan by April 15, 1992, that is acceptable to the Secretary describing how the Plan: (1) approves a builder; (2) assures the proper inspection of a property; (3) field reviews the quality of inspections; (4) reviews the construction quality of the builder; (5) terminates a relationship with a builder; (6) processes homeowner complaints and 6-5 2/92 4145.1 REV-2 CHANGE 1 (6-2.B.1)d.) arbitration proceedings; and (7) notifies HUD of any problems with the above. In addition, the Plan must provide a homeowner information pamphlet describing in "plain English" the (a) insurance provisions of their Plan; (2) complaint handling procedures; and (3) the procedures required for arbitration. 2) Acceptance of a Plan will be continued beyond the date of automatic termination only by a written notification to the Plan Issuer by HUD and only if the delay is caused by a lack of timely HUD processing of a renewal application. 3) HUD will not extend the expiration date of a prior Plan acceptance if the Plan Issuer has negligently provided incomplete information with its renewal application. 4) After a Plan has been accepted by HUD, there will be no change in, or modification to, the Plan coverage or the obligations of the homeowner under the Plan or in its insurance backers or insurance contract(s), without prior written HUD acceptance of such change or modification, except changes mandated by other applicable laws may not require HUD's prior approval. written notification to HUD with adequate documentation will be necessary, prior to the change taking affect. A violation of this condition may be cause for termination of a Plan's acceptance, and may be grounds for initiation of sanctions against the Plan Issuer in accordance with 24 CFR Part 24. C. Termination of Plan Acceptance. The Department will take into consideration such reliable evidence as is made available to the Department of a Plan Issuer's failure to fulfill its obligations. Where HUD has credible evidence of a Plan Issuer's failure to correct covered homeowner problems, or there are justifiable homeowner complaints about untimely problem resolution by a Plan Issuer, HUD will consider this as cause for termination of a Plan's acceptance and as grounds for initiation of sanctions against a 2/92 6-6 4145.1 REV-2 CHANGE 1 (6-2.C.) Plan Issuer or insurance backer in accordance with 24 CFR Part 24. The Department will always look to the Plan Issuer if their insurance backer does not properly satisfy the intent of the complaint process. Under no circumstances can a Plan Issuer require the surrender of the insurance policy without the express written consent by the Department except where the homeowner has in the aggregate received full payment for the face amount of coverage provided by the policy or Certificate of Enrollment. If a Plan accepts the surrender of the policy without HUD's consent, the Plan will still be liable for any damage that may occur to the home, throughout the warranty period. Field Offices must submit documentation to support any recommendation for Plan termination to the Deputy Assistant Secretary for Single Family Housing. If the Department proposes to terminate a Plan's acceptance, Plan Issuer will be advised in writing of the reason(s). Procedures in 24 CFR Part 24 will apply. D. Insurance Coverage. The protection plan must be backed by an insurance company that is licensed and approved to offer that coverage by the proper State Regulatory Agency in each State in which the plan will operate. Any company operating under the Product Liability Risk Retention Act of 1981 (The Act), as amended, will be regarded as having met licensing, filing, and approval requirements of all States, provided the Plan demonstrates that it (1) meets licensing, filing and approval requirements in its domiciliary State; and (2) meets each of the requirements of Section (a)(4) of the Act, paragraphs (A) through (H). 1) Warranty document. A Plan Issuer must provide homeowners an executed coverage contract clearly describing the following: a. Identity of the property covered; b. The time at which coverage begins. Plan coverage must take effect at closing or settlement following the initial sale of the 6-7 2/92 4145.1 REV-2 CHANGE 1 (6-2.D.1)b.) property to the homeowner. Insurance does not begin when the builder rents the property to a potential buyer; but only after the closing of the loan occurs and the first homebuyer takes possession. The home is considered complete at the time of settlement of the loan to the homebuyer and in no event later than date of the FHA endorsement Of the mortgage; c. Maximum amount of Plan liability; d. Non-cancellable by the Plan Insurer or its insurance backer; e. Transferability. Coverage must automatically transfer to subsequent owners without any additional cost; f. The property coverage provided; g. Any exclusions from coverage; h. Performance standards for resolving homeowner complaints and claims. Standards must be fair, reasonable and consistent with the intent of the Plan, including the requirements in this chapter. The standards must be acceptable to HUD. i. Dispute settlement procedures; j. Disclosure to homeowner on the ability to appeal an arbitrators decision to HUD. The disclosure must be of such "type size" to be easily readable by the homeowner. k. Names, addresses and telephone numbers of the Plan Issuer and its insurance backers; and l. When, to whom, under what conditions, and to what address homeowners should submit any construction deficiency complaint or structural defect claim. 6-8 2/92 4145.1 REV-2 CHANGE 1 (6-2.D.) 2) Cost of Plan. Must be prepaid by the builder, or the Plan Issuer must provide irrevocable coverage to the lender and purchaser at the time of settlement. The coverage documents may be provided to the homeowner in specimen form at the time of settlement with the actual documents to be delivered thereafter in a four to six week timeframe. The cost of any optional coverage that is in addition to what is required by HUD may be paid by either the builder or the homebuyer. 3) Payments under a Plan. If a Plan Issuer or insurance backer elects to compensate a homeowner for damage to the homeowner's property that is covered under a Plan in lieu of the Plan issuer's making repairs, any such payment must be made jointly to the mortgagee and the homeowner. Mortgagees are responsible to ensure that the property continues to be in a liveable condition and the property does not become a foreclosure risk to the Department as a result of known defects. Endorsement of the check by the mortgagee will signify its acceptance of the settlement offer by the Plan Issuer. The repair(s) should be completed; however, in cases where it is determined that repair is not warranted, the mortgagee must apply the compensation in reduction of the outstanding indebtedness of the mortgage. Settlement offers must be in writing and the homeowner given a minimum of 10 workdays to respond. Settlement offers over $5,000 must be reviewed onsite by a HUD approved fee inspector (inspection costs to be paid by Plan Issuer) except: (1) where the settlement offer is made pursuant to a binding bid by an independent third party contractor, or (2) where payment is made to the homeowner in settlement of legal action, or (3) where the homeowner is represented by legal counsel. The homeowner must be able to award a contract to the independent third party contractor that submitted the binding bid to the Plan Issuer. 6-9 2/92 4145.1 REV-2 CHANGE 1 (6-2.) E. Plan Coverage. Plans are not required to warrant that a covered property complies with (1) the original dwelling plans and specifications; (2) applicable building codes; or (3) specific terms of a homeowner's contract to purchase a property. However, the protection plan must provide: 1) During the first year of coverage, a warranty against construction deficiencies in workmanship and materials resulting from the failure of the covered property to comply with standards of quality as measured by acceptable trade practices, as well as correct the problems with, or restore the reliable function of, appliances and equipment damaged during installation or improperly installed by the builder. "Construction deficiencies" are defects (not of a structural nature) in a dwelling covered by an insured ten-year protection plan that are attributable to poor workmanship or to the use of inferior materials which result in the impaired functioning of the dwelling or some part thereof. Defects resulting from homeowner abuse or from normal wear and tear are not considered construction deficiencies. In instances of builder default, a Plan must provide insurance coverage to resolve any builder warranty obligation(s) that may affect the structural components of the dwelling, including site grading and drainage problems. 2) During the first and second year of coverage, a Plan must provide a warranty against defects in the wiring, piping and ductwork in the electrical, plumbing, heating, cooling, ventilating, and mechanical systems. 3) Basement slabs in "designated areas" must be covered by a warranty in the Plan against damage from the first through the fourth year. The Secretary may designate any geographic area as a "high risk area" where construction practices 6-10 2/92 4145.1 REV-2 CHANGE 1 (6-2.E.3) allow basement slabs to be placed on expansive or collapsible soil. By virtue of this authority, the Secretary has designated the State of Colorado as a "high risk area." 4) From the first through the tenth year, a structural defect must be covered by the Plan, except for basement slabs in designated areas. "Structural Defect" is defined as the actual physical damage to the designated load-bearing portions of a home caused by failure of such load-bearing portions of the home that affects their load-bearing functions to the extent that the home becomes unsafe, unsanitary, or otherwise unlivable. Load-bearing components for the purpose of defining structural defects are: Footing and foundation systems; beams; girders; lintels; columns; load-bearing walls and partitions; roof framing systems; and floor systems, including basement slabs in homes constructed in designated areas containing expansive or collapsible soils. Beginning August 6, 1991, Plan Issuers are required to cover roof sheathing on all FHA insured properties . Damage to the following non-load-bearing components of the home is not considered a structural defect: Roofing; drywall and plaster; exterior siding; brick, stone, or stucco veneer; floor covering material; wall tile and other wall coverings; nonload-bearing walls and partitions; concrete floors in attached garages; electrical, plumbing, heating, cooling and ventilation systems; appliances, fixtures and items of equipment; paint; doors 6-11 2/92 4145.1 REV-2 CHANGE 1 (6-2.E.4)) and windows; trim, cabinets, hardware and insulation. Repair of a structural defect is limited to: - The repair of damage to designated load-bearing portions of the home which is necessary to restore their load-bearing ability; - The repair of designated non-load-bearing portions, items or systems of the home, damaged by the structural defect, which make the home unsafe, unsanitary or otherwise unlivable (such as the repair of inoperable windows, doors and the restoration of functionality of damaged electrical, plumbing, heating, cooling, and ventilating systems); and - The repair and cosmetic correction of only those surfaces, finishes and coverings, original with the home, damaged by the structural defect, or which require removal and replacement attendant to repair of the structural defect, or to repair other damage directly attributable to the structural defect. It is the intent of this section to ensure the repair of a covered home to a condition approximating the condition just prior to the defect, not to a like new condition. It does not require refinishing of all interior or exterior surfaces if only one or two surfaces are damaged. It does not cover personal property items, not a part of the structure, which are damaged by the defect or as a result of the defect. It excludes damage covered by a homeowner's casualty insurance policy. 2/92 6-12 4145.1 REV-2 CHANGE 1 (6-2.) F. Homeowner Complaints. A Plan must assure timely resolution of homeowners, complaints or claims. Warranties set forth in a Plan must comply with Section 2301(a)(l)-(13) of the Magnuson-Moss Warranty--Federal Trade Commission Improvement Act along with the requirements and criteria set forth in this chapter. 1) In the event of any dispute regarding a homeowner complaint or structural defect claim, Plans must, unless prohibited by applicable law, make available binding arbitration proceedings arranged through a nationally recognized dispute settlement organization. The Plan must also notify the homeowner that they can request a review of the disputed claim from the local HUD Field Office. Under the Risk Retention Act, the domiciliary State should respond to homeowner complaints concerning insurance claims made to Plan Issuers. If a State will not accept responsibility and homeowner complaints are made to or become known to the HUD Field Office, then the Field Office has the authority to resolve such complaints. In reviewing these complaints, Field Offices should contact the Plan Issuers for an explanation or clarification of the complaint. If the Field Office is not satisfied with the Plan Issurer's response, then report the findings to the Deputy Assistant Secretary for Single Family Housing. The sharing of arbitration charges will be as determined by the Plan. A Plan must make available prearbitration conciliation procedures at no cost to the homeowner, but arbitration, which must be available to a homeowner during the entire term of the coverage contract, must be an assured recourse for a dissatisfied homeowner. Plan Issuer must submit to the HUD Field Office all arbitration requests for repairs in excess of $10,000 or any arbitration request for structural defects on FHA insured properties. The HUD Field Office will contact the Plan Issurer if additional information is necessary about the nature of the repair. Arbitration awards in favor of the builder or the Plan are subject to HUD review if 6-13 2/92 4145.1 REV-2 CHANGE 1 (6-2.F.1) such review or appeal is requested by the homeowner. If HUD determines that the arbitrator's decision is incorrect or inadequate, then HUD can require the builder or the Plan to correct the defect(s). HUD's decision in this matter is final. 2) Exclusions from Plan coverage must not defeat coverage objectives stated in this chapter and must permit normal homeowner use of the covered property, including normal maintenance and emergency property protection measures. G. Deductible. Unless prohibited by applicable law, Plans must, at a minimum, stipulate that all homeowner complaints covered by a Plan, including those regarding construction deficiencies and structural defect claims, will be settled in the amount of their actual cost to correct or for the original sales price of the property, whichever is the lesser. 1) The claim may be subject to a deductible not to exceed a total of $250.00 for all claims filed by a homeowner during the first two years of coverage and not to exceed a maximum of $250.00 per claim during the third through the tenth year of coverage. A homeowner may be liable for a deductible if a builder defaults on warranty performance and the Plan Issuer has to make the covered corrections. When the builder performs corrections under the builder's warranty, no deductible included in the Plan is applicable. A claim review fee is not allowed; therefore, a deductible cannot be paid by the homeowner as an upfront claim review fee. The Plan can require the deductible after the extent of the work is determined. 2) In the case of claims filed by a condominium association, a Plan must provide the condominium association with an additional warranty that allows for claims by homeowners involving the common elements of the building. The maximum deductible for each claim is $250.00 per affected 2/92 6-14 4145.1 REV-2 CHANGE 1 (6-2.G.2) unit in the structure at the time of loss or $5,000.00, whichever is less. Recurrent claims for structural defects occasioned by a common cause may be subject to a payment of no more than one deductible. The unit owner(s) may file and pursue claim(s) involving individual units either directly with the warrantor or through a representative designated by the condominium association. Upon requesting approval of the Condominium Project, the developer must show evidence of their architects/engineers professional liability insurance policy on all buildings over 13 units or on all buildings designed using a construction type other than the typical wood framing type found in single family homes. 6-3. MAXIMUM LOAN-TO-VALUE RATIOS FOR DWELLINGS WITH APPROVED WARRANTIES < HYPERLINK \l "_top" TOP>. This is acceptable for some homes less than a year old and not approved for mortgage insurance or loan guarantee prior to the beginning of construction. This procedure does not waive satisfaction of existing subdivision requirements. A. Application Processing. Valuation Branch will process each case as existing construction (commitment term = 6 months). Refer to HUD Handbook 4115.3 REV-1, Master Conditional Commitment - Master Appraisal Report Procedure, for additional instructions. 1) Dwellings that are not approved prior to beginning of construction are not eligible for benefits under Section 518(a) of the National Housing Act. 2) The dwelling must satisfy the requirements that would have been applicable if it had been approved for mortgage insurance prior to the beginning of construction. 6-15 2/92 4145.1 REV-2 CHANGE 1 (6-3.A.) 3) Final inspection on properties "under construction" or "existing less than one year old": a. If the home is 100% complete: The appraiser performs the appraisal and completes the Uniform Residential Appraisal Report (URAR) and all necessary exhibits. In this instance, the appraisal serves as the final inspection and Form HUD 92051, Compliance Inspection Report, is not required. Since the only additional work the appraiser will do is to verify general conformance with plans, an additional fee will not be allowed. The appraiser will: 1. Inspect for health and safety violations. 2. If there are no health and safety problems and the property is ready for occupancy, make the following statement in the remarks section of the URAR: "This is a newly completed dwelling and appears to be in conformance with the submitted construction exhibits." The appraiser is merely confirming that if the plans call for a two story, three bedroom, two bath house, that is what was found on the lot. 3. Take a color photograph of each diagonally opposite front and rear corner of the house to record adequate grading and drainage of the site. When properly oriented, the photographs may be the same as those used as appraisal exhibits. Make a statement on the URAR 2/92 6-16 4145.1 REV-2 CHANGE 1 (6-3.A.3)a.3.) of the acceptance of the grading and drainage. b. If the property is under construction and not 100 percent complete: The appraiser will perform the appraisal, complete the URAR, require a final inspection and make the following requirement as a commitment condition: "Property under construction; complete according to submitted construction exhibits." In this case, a fee inspector will perform the final inspection and furnish photographs in accordance with paragraph 4-2.B.2)a. and b. Since these properties were not inspected by HUD or VA prior to the start of construction, the inspector makes the following comment on Form  HYPERLINK "file:///F:\\4145-1\\pdfforms\\92051.pdf" HUD 92051: "This is a newly completed dwelling that was not completed under HUD or VA inspections. The dwelling appears to be in conformance with the submitted construction exhibits." 4) The name of the warranty plan must be included with the application for conditional commitment for the inspection exception to apply. 5) Builders Certification (Form HUD 92541) must be provided (for both "under-construction" and "existing" cases) along with one complete set of plans and architectural exhibits (see paragraph 3-3). Post-commitment and post-endorsement review is performed by the Field Office according to instructions in paragraph 3-3.K.4) and 3-3.K.5). Exhibits are placed in the case binder. See paragraph 2-1. 6-17 2/92 4145.1 REV-2 CHANGE 1 (6-3-A.) 6) Builder/seller must provide a one-year warranty,  HYPERLINK "file:///F:\\4145-1\\pdfforms\\92544.pdf" Form HUD 92544; include the one-year performance guarantee on Form HUD 92544-A, in addition to the warranty of the HUD accepted Insured Ten-Year Protection Plan. 7) A conditional commitment item must be added to require the submission of evidence that an acceptable ten-year protection plan is in effect before insurance endorsement can occur. B. Post-Commitment/Post-Endorsement Review. Architectural staff reviews according to instructions in paragraph 3-3. Also ensure the proper insurance binder from the 10-year insured protection plan is in the case binder. C. Firm Commitment Application. Mortgagee includes its certification that the borrower was notified in writing that: 1) The property was not approved for mortgage insurance or loan guarantee prior to beginning of construction; and 2) HUD does not have statutory authority to provide financial assistance for any future property repairs. D. Coinsurance and Direct Endorsement Lenders. 1) At application, the lender contacts the HUD Field Office to determine whether the warranty is acceptable. 2) When submitting the loan for insurance endorsement, provide copies of evidence that a HUD accepted insured ten-year protection plan is in effect. Ensure that Builders Certification, Form HUD 92541 (Appendix 2), and the Agreement to Execute Builder's Warranty of Completion of Construction, Form HUD 92541-A (Appendix 6), was provided as described in paragraph 3-3. Also include the mortgagee certification as described in paragraph 6-3.C. above. * 2/92 6-18  HYPERLINK ""  Architectural Processing and Inspections for Home Mortgage Insurance Directive Number: 4145.1 4145.1 REV-2 CHAPTER 7 - ARCHITECTURAL DATA 7-1. GENERAL < HYPERLINK \l "_top" TOP>. All information essential to processing by the Architectural Branch is termed "architectural data". The Chief Architect is responsible for the preparation, compilation, filing, indexing and maintenance of the data. 7-2. ARCHITECTURAL REFERENCE DATA < HYPERLINK \l "_top" TOP>. Each field office should ensure the availability of material to meet the requirements for conditional commitment and complaint processing. The Office of Manufactured Housing and Construction Standards is required to maintain all reference data listed in HUD Handbooks and in the Code of Federal Regulations. Consult when necessary. Each field office is required to maintain applicable editions of: Accepted Local Codes and Ordinances Accepted State Codes CABO One- and Two Family Dwelling Code Electrical Code for One- and Two Family Dwellings, NFPA 70A Code of Federal Regulations -  HYPERLINK "file:///F:\\4145-1\\nph-brs.cgi?d=CF97&l=20&s1=200.$%5bno%5d&SECT1=TXTHLB&SECT5=CF97&u=../cgi/legis.cgi&p=1&r=0&f=S" 24 CFR Part 200 HUD Minimum Property Standards HUD Technical Publications HUD Use of Materials Bulletins HUD Materials Releases HUD Technical Circulars HUD Structural Engineering Bulletins HUD Mechanical Engineering Bulletins HUD Sanitary Engineering Bulletins HUD Technical Study Reports 7-1 3/90 4145.1 REV-2 7-3. INSPECTION GUIDE < HYPERLINK \l "_top" TOP>. Prepared by, or under the supervision of, the Chief Architect. It must be reviewed annually and revised as necessary. HUD employees of the Architectural Branch, and fee inspectors are furnished a current copy that contains the following information: A. General Instructions. 1) Fee Inspector's duties. Always be aware that the public relations of HUD may be affected by a person's attitude and conduct while serving in an official capacity. a. Be courteous at all times during the performance of the assignment; b. Be polite, pleasant and businesslike, showing no partiality, avoiding argument and controversy; c. Suggest acceptable remedies to anticipated non-compliances or construction errors; and d. Avoid making either favorable or unfavorable comment regarding the work. 2) Fee Inspector's responsibility is to determine that construction quality of the physical property is acceptable as security for an insured loan. a. Assure that the finished structure is substantially the same as that upon which the commitment is based; and b. Inspectors who accept construction showing substandard workmanship, or non-compliance with the accepted exhibits, are remiss in their duties; and c. Mortgage risk may be increased as a result of an inspector's negligence. 3) Purpose of compliance inspections is to observe and report whether the construction, or repairs, substantially comply with the conditions of the commitment and with sound construction practices. 3/90 7-2 4145.1 REV-2 (7-3.) B. Completion Instructions for Form  HYPERLINK "file:///F:\\4145-1\\pdfforms\\92051.pdf" HUD 92051, Compliance Inspection Report (see Handbook 4190.1). C. Inspection Checklist. Provide a copy of the One and Two Family Dwelling Inspection Guide. Prepare an additional inspection checklist to suit local conditions and include items not contained in the One and Two Family Dwelling Inspection Guide. Briefly word each item to identify the construction to be checked. Do not describe action to be taken. D. Checklist of Errors and Suggested Corrections. Provide a list of items frequently encountered during an inspection. Each non-compliance must give: 1) The number of the statement to be checked on Part I of the Compliance Inspection Report, Form HUD 92051. 2) A brief description of the non-compliance, clearly specifying the appropriate correction. E. List of Variations. Provide items that the inspector would normally report under Statement 10 - Part I of Compliance Inspection Report. Also provide a list of minor variations that normally are not reported on the Compliance Inspection Report. F. HUD Data. Include any special technical data useful during inspections. G. Field Office Memorandums. Determinations on construction techniques or materials can be included if considered useful. H. Industry Data. Issued by trade associations. Do not include material of a predominantly advertising character. 7-3 3/90 4145.1 REV-2 7-4. MINIMUM PROPERTY STANDARDS (MPS) < HYPERLINK \l "_top" TOP>. These establish the minimum quality acceptable to HUD, on a technical basis, in all HUD Field Office jurisdictions. No higher or lower minimum level will be established by any field office without Headquarters approval. See HUD Handbook 4910.1, Minimum Property Standards for Housing. A. Local Acceptable Standard (LAS). Published by the field office where an acceptable variation to the MPS is considered necessary and is to be on a repetitive basis. 1) The Field Office Manager recommends a LAS accepting the variation by submitting a request to Headquarters, Office of Manufactured Housing and Regulatory Functions, Construction Standards Branch. If the LAS appears justified and is acceptable, it will be retyped with the necessary corrections and forwarded to the field office for distribution. 2) A LAS should be coordinated with the local Farmers Home Administration and Department of Veterans Affairs to eliminate varying interpretations. It is also desirable to discuss any proposed LAS with the local Home Builders Association. 3) Occasionally, an application may be received that will not meet HUD MPS or construction requirements. Where compliance with a specific standard may be impracticable or may cause unnecessary hardship: a. The field office may accept the variation without the prior approval of Headquarters; and b. The variation must not be considered as establishing a pattern or a precedent for similar acceptance in repetitive situations. B. Other Applicable Standards. 1) Handbook 4940.2, Minimum Design Standards for Community Water Supply Systems, 2) Handbook 4940.3, Minimum Design Standards for Community Sewerage Systems. 3) Handbook 4930.3, Permanent Foundations for Manufactured Housing  HYPERLINK "4145-1-app1.pdf" APPENDIX 1 FILE IN PDF FORMAT < HYPERLINK \l "_top" TOP>  HYPERLINK "4145-1-app2.pdf" APPENDIX 2 BUILDERS CERTIFICATION < HYPERLINK \l "_top" TOP>  HYPERLINK "4145-1-app3.pdf" APPENDIX 3 BUILDING CODE REVIEW < HYPERLINK \l "_top" TOP>  HYPERLINK "4145-1-app4.pdf" APPENDIX 4 POST-ENDORSEMENT/POST-COMMITMENT REVIEW < HYPERLINK \l "_top" TOP>  HYPERLINK "4145-1-app5.pdf" APPENDIX 5 AGREEMENT TO EXECUTE A BUILDERS WARRANTY OF < HYPERLINK \l "_top" TOP> APPENDIX 6 EARLY START LETTER < HYPERLINK \l "_top" TOP> This is in response to your request for permission to start construction on a proposed property, FHA case number ____________, located at ______________________________________________________, The Builders Certification ( HYPERLINK "http://www.hudclips.org/sub_nonhud/cgi/pdfforms/92541.pdf" Form HUD 92541) and the Agreement to Execute a Builder's Warranty of Completion of Construction ( HYPERLINK "http://www.hudclips.org/sub_nonhud/cgi/pdfforms/appx5.pdf" Form HUD 92541- A), that you submitted, are acceptable. You are hereby advised that the property is approved for mortgage insurance prior to the beginning of construction. This determination permits you, the builder, to begin construction without affecting the amount of the maximum insurable mortgage. This letter is not to be construed as a commitment for insurance. Final acceptance is always subject to site acceptability. Any commitments that may be issued will be governed by the provisions of the National Housing Act and the HUD Regulations in effect at the time of issuance. The amount and terms of the insurable mortgage will be governed by underwriting processing. The expiration date of any commitment will be _________ (9 or 12) months from the date of this letter. Assuming that Form HUD 92800.5B, Conditional Commitment / Direct Endorsement Statement of Appraised Value is issued, it will set forth the value and the amount, terms and conditions as may be prescribed by this office. For the initial inspection, please contact the following private fee inspector: A complete copy of the construction exhibits must be on site, and must be identical to those submitted to the fee appraiser for valuation purposes. Construction must not proceed beyond the framing stage prior to the receipt Form HUD 92800.5B from this office. The framing stage is defined as a building that is enclosed and roofed, structural framing completed and exposed, and rough-in heating, plumbing and electrical work installed, and visible for inspection. Upon receipt of Form  HYPERLINK "http://www.hudclips.org/sub_nonhud/cgi/pdfforms/92800-b.pdf" HUD 92800.5B, Conditional Commitment / Direct Endorsement Statement of Appraised Value, please ensure that all conditions are properly complied with. Failure to respond to all requirements could result in delays to the endorsement of the loan and possibly affect HUD's insurable risk on the property. Your cooperation in regard to these requirements is appreciated.  HYPERLINK "4145-1-app6.pdf" APPENDIX 7 ADDENDUM TO WARRANTY OF COMPLATION OF CONSTRUCTION < HYPERLINK \l "_top" TOP> APPENDIX 8 SITE GRADING AND DRAINAGE GUIDELINES < HYPERLINK \l "_top" TOP> Construction complaints and structural defect claims continue to be numerous due to inadequate grading and drainage of the sites. The following guidelines, applicable to all newly constructed properties, should be monitored by each field office when performing required review of construction exhibits as they relate to the builder certification program and compliance inspections (both HUD processed and Direct Endorsement. This guideline should also be reviewed in training sessions with fee and staff inspectors. Building codes accepted under  HYPERLINK "http://www.hudclips.org/sub_nonhud/cgi/nph-brs.cgi?d=CF97&l=20&s1=200.926$%5bno%5d&SECT1=TXTHLB&SECT5=CF97&u=../cgi/legis.cgi&p=1&r=0&f=S" 24 CFR 200.926a do not cover all site grading and drainage conditions. However, 200.926d(b)(3) Site Conditions, requires the property to be free of those foreseeable hazards and adverse conditions which may affect the health and safety of the occupants or the structural soundness of improvements, or which may impair customary use and enjoyment of the property. 200.926d(c)(2) and 200.926d(c)(4) include additional site design requirements. I. OBJECTIVE. A. Drainage of Surface Water should be provided away from all sides of all buildings and off the lot in a manner that will: 1) Minimize possibility of dampness in basements and crawl spaces; 2) Prevent adverse supporting soil behavior; 3) Prevent soil erosion; and 4) Prevent standing (or ponding) of water on site; In arid areas, controlled ponding for irrigation is permitted if emergency overflows are provided to protect buildings. Walks, driveways, retaining walls and other improvements should be constructed so as not to interfere with drainage. Required walks should not be used as drainage channels. (I.) B. Site Grading and Drainage should: 1) Provide suitable access from abutting street to the dwelling and any accessory buildings; 2) Provide immediate diversion of water away from buildings and off the site; 3) Avoid concentrating runoff onto neighboring properties where erosion or other damage may be caused; 4) Provide usable outdoor space for occupants; and 5) Minimize erosion. II. FINISH GRADING. A. General. All unpaved lot areas, except those preserved in an appropriate natural condition, should be fine graded to provide smooth even surfaces conforming to elevations noted below. All visible rock and debris should be removed prior to fine grading. B. Minimum Protective Slopes. All walls and foundations of buildings and any water-supply well should be provided with protective slopes to assure immediate drainage and diversion of surface water away from these structures and off the site. 1) Provide minimum fall of 6 inches away from structure in 10 feet, except as restricted by side lot lines or other major considerations, without regard to soil type or ground frost conditions. The horizontal length of such slopes may be reduced as necessary at building corners and side yards. 2) Provide at least 6 inches in 25 feet (2% gradient) in all other unpaved areas subject to ground frost, expansive soils or collapsible soils, or at least 3 inches in 25 feet (1% gradient) in unpaved areas not (II.B.))2 subject to such conditions. If minimum slopes cannot be attained, paved gutters or other drainage structures may be installed as acceptable to the Director of Housing (or designee) or DE Underwriter. a. All unpaved areas should slope continuously at the above gradients to lower elevations off the site, or to a drainage structure on the lot. b. Drainage swales or valleys formed by intersecting slopes should have adequate depth, width and longitudinal gradient to carry away the maximum predictable volume of storm water runoff. 1. Gradients of unpaved swales should not be less than that required above for other unpaved areas. 2. Surface erosion protection should be in place to prevent accumulation of water in critical drainage swales. c. Where catch basins or inlets are installed, other than at required basement areaways, finish grade elevations of adjoining areas should provide for emergency surface overflow so that, in event of failure of catch basins or inlets, buildings and window wells (or areaways) will be protected against flooding. d. Areaways for basement windows, entrances, and garage entrances should be provided with effective drainage facilities. Catchment area should be as small as possible and must be protected from overflow of stormwater from adjacent areas. e. Roof drainage should discharge at least 5 feet away from building walls when expansive, collapsible or erodible soils are present. (II.) C. Maximum Slopes. Height and steepness of slopes and maximum gradients of unpaved drainage channels should be such as can be satisfactorily maintained without erosion or land slippage and should provide satisfactory access to and around the structure. 1) For access around buildings and for maintenance of building and lot improvements, provide an area generally at least 4 feet wide with a gradient away from building no steeper than 1 in 10 (10% gradient). 2) Where considered necessary by Director of Housing (or designee) or DE Underwriter, precautionary measures should be taken (i.e., retaining walls, sodding or planting, etc.) to stabilize the soil. D. Suitable Drainage Structures such as paved gutters, drain inlets and subsurface drain lines should be installed where necessary to protect against dampness, flooding, erosion or other damage by surface water or ground water. Drainage structures should be properly connected to adequate outlets that are protected, where necessary, by recorded permanent easements. Perimeter foundation drains are necessary on all houses with basements or potentially habitable living space below finish exterior earth grade or in other situations where water and/or soil conditions warrant their use. Outlets must not permit backflow into subsurface drains. III. WALKS, STEPS AND DRIVEWAYS. A. General. A walk and any necessary step(s) should provide safe and convenient use from house directly to the street or to a driveway connected to a street. Walk and step construction should be of durable and appropriate material, on stable, adequately drained subgrade or bed. B. Walk Design. 1) Gradient should not be steeper than 1 in 20 (5%) in areas subject to frequent freezing or 1 in 10 (10%) in other areas. (III.B.) 2) Cross-slope should be adequate for immediate drainage of surface water off the walk; required walk must not be used as a drainage channel. 3) Walk surfaces should be at or below adjacent ground elevations. C. Step Design. 1) Width should not be less than width of walk that is served. 2) A single step in a walk and any flight of steps of more than 5 feet total rise should be avoided wherever practical; substantial handrail of durable construction must be provided if more than a 30-inch rise in a single flight. D. Driveway should be provided from street or alley to the garage or carport, if any; if no garage or carport, a driveway will generally extend to rear line of dwelling. In case of unusual difficulty or hardship, other parking space acceptable to Director of Housing (or designee) or DE Underwriter may be provided. Construction should be with suitable subgrade, base, drainage and surfacing so as to be durable under the use and maintenance contemplated. 1) Longitudinal gradient should not be less than one percent nor steeper than permitted for walks if driveway is also used as a required walk. If used only as a driveway, no less than one percent (1%) and no steeper than 1 in 7 (14%), except that in areas of heavy snow fall or ice build-up, longitudinal gradient should not be steeper than 7%. Crown, or cross slope, should not be greater than 5%. 2) Grade transitions should be provided at top and bottom of a steep driveway to prevent dragging of vehicle undercarriage or bumper guards. 3) Gradient of a required parking space should not be steeper than 1 in 20 (5%) nor less than one percent. 4145.1 REV-2  HYPERLINK "4145-1-app7.pdf" APPENDIX 9 CONSTRUCTION EXHIBIT SUBMITTAL < HYPERLINK \l "_top" TOP> APPENDIX 10 LIST OF HUD ACCEPTED < HYPERLINK \l "_top" TOP> APPENDIX 10 CHANGE 1 ___________________________________________________________________________ List of HUD Accepted Insured Ten-Year Protection Plans (As of November 25, 1991) Name of Plan Insurance Backing ___________________________________________________________________________ BUILDER'S HOME WARRANTY, INC. Robis Internationl Insurance 2131 Palamar Airport Road, Suite 300 Brokers, Inc. of Carlsbad, CA 92009 San Francisco, CA (303) 843-0969 1-800-786-9130 Payment by builder is required prior to or at closing. ___________________________________________________________________________ HOME BUYER'S WARRANTY CORPRATION National Home Insurance Co. (HBW 2/10) (HBW VI) (NHIC) of Colorado 1200 south Parker Road, Suite 200 (Risk Retention Group) Denver, CO 80231 (303) 368-4805 1-800-942-1243 Use form HBW 202 for insurance binder. Payment by builder is required at closing ___________________________________________________________________________ HOME OWNER'S WARRANTY CORPORATION Home Owners Warranty Corp (HOW) (Risk Retention Group) 1110 N. Glebe Road, Suite 800 Arlington, VA 22201 (703) 516-4100 Use for HOW 503 for insurance binder. Payment by builder not required if form properly executed. ___________________________________________________________________________ MANUFACTURED HOUSING WARRANTY CORP. ***MHWC in a sister company (NM) of Residential Warranty Corp. P.O. Box 641 and the insurance backer and Harrisburg, PA 17108-0641 state acceptance listed for RWC are applicable for MHWC. (717) 939-1971 1-800-247-1812 Use Final Enrollment form for insurance binder, Payment by builder is not required prior to or at closing. ___________________________________________________________________________ i ( 1 of 4) 2/92 ___________________________________________________________________________ 4145.1 REV-2 APPENDIX 10 CHANGE 1 ___________________________________________________________________________ List of HUD Accepted Insured Ten-Year Protection Plans (As of November 25, 1991) Name of Plan Insurance Backing ___________________________________________________________________________ MID-ATLANTIC INSURANCE CORP. Colony Insurance Company (HW 10) 2117 Smith Avenue Chesapeake, VA 23320 (804) 424-6523 Use form HW 114 for insurance binder. Payment by builder not required if form properly executed. ___________________________________________________________________________ NEW JERSEY NEW HOME WARRANTY PLAN State of New Jersey State of New Jersey Department of Community Affairs Division of Codes and Standards Bureau of Homeowner Protection CN 805 Trenton, NJ 08625-0805 (609) 530-6357 Payment by builder is required prior to or at closing ___________________________________________________________________________ ___________________________________________________________________________ i ( 2 of 4) 2/92 ___________________________________________________________________________ 4145.1 REV-2 APPENDIX 10 CHANGE 1 ___________________________________________________________________________ List of HUD Accepted Insured Ten-Year Protection Plans (As of November 25, 1991) Name of Plan State Acceptance ___________________________________________________________________________ BUILDER'S HOME WARRANTY, INC. *California 2131 Palamar Airport Road, Suite 300 Carlsbad, CA 92009 (*Acceptable for Condominiums (303) 843-0969 and manufactured (mobile) 1-800-786-9130 homes) Payment by builder is required prior to or at closing. ___________________________________________________________________________ HOME BUYER'S WARRANTY CORPRATION *District of Columbia and all (HBW 2/10) (HBW VI) states except Alaska and Hawaii 1200 south Parker Road, Suite 200 Denver, CO 80231 (303) 368-4805 (*Acceptable for condominiums and 1-800-942-1243 manufactured (mobile) homes) Use form HBW 202 for insurance binder. Payment by builder is required at closing ___________________________________________________________________________ HOME OWNER'S WARRANTY CORPORATION *All states, the District of (HOW) Columbia and all Territories 1110 N. Glebe Road, Suite 800 Arlington, VA 22201 (703) 516-4100 *Acceptable for Condominiums) Use for HOW 503 for insurance binder. Payment by builder not required if form properly executed. ___________________________________________________________________________ MANUFACTURED HOUSING WARRANTY CORP. ***MHWC in a sister company (NM) of Residential Warranty Corp. P.O. Box 641 and the insurance backer and Harrisburg, PA 17108-0641 state acceptance listed for RWC are applicable for MHWC. (717) 939-1971 (Not acceptable for condominiums) 1-800-247-1812 Use Final Enrollment form for insurance binder, Payment by builder is not required prior to or at closing. ___________________________________________________________________________ i ( 3 of 4) 2/92 _____________________________________________________________________ 4145.1 REV-2 APPENDIX 10 CHANGE 1 ___________________________________________________________________________ List of HUD Accepted Insured Ten-Year Protection Plans (As of November 25, 1991) Name of Plan State Acceptance ___________________________________________________________________________ MID-ATLANTIC INSURANCE CORP. Virginia* (HW 10) 2117 Smith Avenue Chesapeake, VA 23320 (804) 424-6523 (*Acceptable for condominiums) Use form HW 114 for insurance binder. Payment by builder not required if form properly executed. ___________________________________________________________________________ NEW JERSEY NEW HOME WARRANTY PLAN New Jersey State of New Jersey Department of Community Affairs Division of Codes and Standards Bureau of Homeowner Protection (*Acceptable for condominiums) CN 805 Trenton, NJ 08625-0805 (609) 530-6357 Payment by builder is required prior to or at closing ___________________________________________________________________________ ___________________________________________________________________________ i ( 4 of 4) 2/92 _____________________________________________________________________ 4145.1 REV-2 CHANGE 1 APPENDIX 10 ___________________________________________________________________________ List of HUD Accepted Insured Ten-Year Protection Plans (As of November 25, 1991) Name of Plan Insurance Backing ___________________________________________________________________________ PREFERRED BUILDERS WARRANTY CORP. Sphere Drake PLC (PBW) Insurance Company 4700 N.W. 2nd Avenue, Suits 202 Boca Raton, FL 33431 (407) 994-2017 Payment by builder in required prior to or at-closing. ___________________________________________________________________________ QUALITY BUILDERS WARRANTY CORP Merchants and Business Men's (QBW) Insurance Company of P.O. Box 271 Harrisburg, PA Harrisburg, PA 17011 (717) 737-2522 1-800-334-9143 Confirmation of Enrollment form for insurance binder. Payment by builder is not required if form is properly executed. ( ___________________________________________________________________________ RESIDENTIAL WARRANTY CORPORATION Western Pacific Mutual (RWC) Insurance Company of P.O. Box 641 Denver, Colorado Harrisburg, PA 17108-0641 (Risk Retention Group) (717) 939-1971 1-800-247-1812 Use Final Enrollment form Manufactured Housing Warranty for insurance binder. Corp. (MHWC) is a sister Payment by builder is not company of RWC and the same required prior to or at states and insurance backers closing are applicable. ___________________________________________________________________________ WARRANTY UNDERWRITERS INSURANCE Self COMPANY (HOME) 6161 Savoy Drive, Suite 820 P.O. Box 741808 Houston, TX 77274-1808 (713) 785-1314 *************************************************************************** NOTE: The above ten-year insured warranty companies have agreed to comply with the provisions of the new regulations in 24 CFR  HYPERLINK "http://www.hudclips.org/sub_nonhud/cgi/nph-brs.cgi?d=CF97&l=20&s1=200.$%5bno%5d&SECT1=TXTHLB&SECT5=CF97&u=../cgi/legis.cgi&p=1&r=0&f=S" Part 200 and the insured ten-year protection plan requirements outlined in HUD Handbook 4145.1 REV-2, Chapter 6 ___________________________________________________________________________ ii ( 1 of 2) 2/92 _____________________________________________________________________ 4145.1 REV-2 CHANGE 1 APPENDIX 10 ___________________________________________________________________________ List of HUD Accepted Insured Ten-Year Protection Plans (As of November 25, 1991) Name of Plan State Acceptance ___________________________________________________________________________ PREFERRED BUILDERS WARRANTY CORP. Florida (PBW) 4700 N.W. 2nd Avenue, Suits 202 Boca Raton, FL 33431 (Acceptable for condominiums) (407) 994-2017 Payment by builder in required prior to or at-closing. ___________________________________________________________________________ QUALITY BUILDERS WARRANTY CORP Connecticut, Delaware, Georgia, (QBW) Kentucky, Maryland,Massachusetts P.O. Box 271 New Jersey, Now York, North Harrisburg, PA 17011 Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, (717) 737-2522 Virginia and Wast Virginia 1-800-334-9143 Confirmation of Enrollment form for insurance binder. Payment by builder is not required if (All states are acceptable for form is properly executed. condominiums) ___________________________________________________________________________ RESIDENTIAL WARRANTY CORPORATION District of Columbia and all (RWC) states except Colorado. P.O. Box 641 Harrisburg, PA 17108-0641 (Acceptable for condominiums) (717) 939-1971 1-800-247-1812 Use Final Enrollment form Manufactured Housing Warranty for insurance binder. Corp. (MHWC) is a sister Payment by builder is not company of RWC and the same required prior to or at states and insurance backers closing are applicable. ___________________________________________________________________________ WARRANTY UNDERWRITERS INSURANCE Texas COMPANY (HOME) 6161 Savoy Drive, Suite 820 P.O. Box 741808 Houston, TX 77274-1808 (713) 785-1314 *************************************************************************** NOTE: The above ten-year insured warranty companies have agreed to comply with the provisions of the new regulations in 24 CFR Part 200 and the insured ten-year protection plan requirements outlined in HUD Handbook 4145.1 REV-2, Chapter 6 ___________________________________________________________________________ ii ( 2 of 2) 2/92 *U.S. Government Printing Office: 1992 - 312-218/60073  APPENDIX 11 ARCHITECTURAL REQUIREMENTS GRID < HYPERLINK \l "_top" TOP> APPENDIX 11 ___________________________________________________________________________ Architectural Requirements Grid __________________________________________________________________________ Column A B C D E F G H I __________________________________________________________________________ Construction Plans Subdiv Insp Final Bldr Bldr 10-Year Termite Carpet Status Reqd Req Reqd Insp Cert Warr Warr Control I.D., Mfg only Warr & Ins Certs __________________________________________________________________________ PROPOSED CONSTRUCTION High Ratio (7) (6) (3) (3) (9) (10) (3) (5) (11) (1) __________________________________________________________________________ UNDER-CONSTRUCTION High Ratio (7) (6) (2) (2)(4) (9) (10) (4) (5) (11) Low Ratio (8a) (6) N/A (2)(8a) N/A N/A N/A (5) N/A __________________________________________________________________________ EXISTING CONSTRUCTION LESS THAN ONE YEAR OLD (13) High Ratio (7) (6) (2) (4) (9) (10) (4) (5) (11) Low Ratio N/A (6) N/A (8b) N/A N/A N/A (5) N/A __________________________________________________________________________ REQUIREMENTS for MANUFACTURED (Mobile) HOME for Title II - See Specific Notes, Item 12 __________________________________________________________________________ Abbreviations: Insp - Inspections; Bldr - Builder; Cert - Certification; Warr - Warranty; Mfg - Manufacturer's; I.D. - Identification Number __________________________________________________________________________ GENERAL NOTES Use this Grid in conjunction with HUD Handbook  HYPERLINK "http://www.hudclips.org/sub_nonhud/cgi/nph-brs.cgi?d=HSGH&s1=4145.1%5bno%5d&SECT1=TXT_HITS&SECT5=HSGH&u=./hudclips.cgi&p=1&r=0&f=S" 4145.1 . Lenders can be assigned case numbers even though a builder is not on the list of certified builders. However, after the appraisal, the construction exhibits must be reviewed by the HUD Field Office to determine acceptance of the Builder's Certification prior to the builder being placed on the list. (Refer to paragraph 3-3). ___________________________________________________________________________ i 3/90 ___________________________________________________________________________ 4145.1 REV-2 APPENDIX 11 ___________________________________________________________________________ Conversions from VA-CRV's (or VA-MCRV's). Builders do not have to be on the list of certified builders. However, when submitting for mortgage insurance, the following forms must be present: Form  HYPERLINK "http://www.hudclips.org/sub_nonhud/cgi/pdfforms/92541.pdf" HUD 92541, Form HUD 92541-A, Form HUD 92544 and Form HUD 92544-A. (Refer to Paragraph 3-3.D.). ( ). See Specific Notes listed on the following page. SPECIFIC NOTES 1. All cases approved prior to the beginning of construction or issuance of an Early Start letter by HUD or VA are eligible for "high loan-to-value" financing. Section 518(a) structural defect warranty applies. (Refer to paragraph 6-1). _________________________________________________________________________ ___________________________________________________________________________ i (Continued) 3/90 _____________________________________________________________________ 4145.1 REV-2 APPENDIX 11 ___________________________________________________________________________ 2. If the appraiser has no listed conditions requiring an inspection (i.e., the property improvements are 100 percent complete), then the appraisal (URAR) serves as the final inspection. If the property is not 100 percent, a final inspection by a fee inspector is required. (Refer to paragraph 6-3). All 3 inspections may be required depending on the dwellings stage of construction. 3. Three (3) inspections are required. However, if the local jurisdiction has been approved by the HUD Field Office, or if a HUD accepted insured 10-year protection plan is provided, only a final inspection may be permitted. The 10-year protection plan may be used to request a waiver of the initial and intermediate inspections. A 10-year protection plan is not required to obtain "high loan-to-value" financing on a "proposed construction" case. Section 518(a) applies whether or not a 10-year protection plan is provided. (Refer to paragraphs 4-3 and 4-4). 4. A HUD accepted 10-year protection plan is required in order to obtain "high loan-to-value" financing. Section 518(a) of the National Housing Act does not apply. Providing a HUD accepted insured 10-year protection plan does not change this provision. Lender must notify borrower that the property was not approved by HUD (or VA) prior to the start of construction and the Department does not have authority to provide financial relief for any future property repairs. (Refer to paragraph 6-1). 5. In areas of the country where termites exist, it is necessary to control termite infestation. Consult with local HUD Field Office for requirement(s). If termite soil treatment is used to control infestation, submit a builders five (5) year guarantee on Form HUD 92052. (Refer to Form HUD 92800.5B, item 16 of the Specific Commitment Conditions). 6. Subdivision requirements must be followed (See Handbook 4135.1). 7. Construction Exhibits must be submitted in the HUD Case Binder for all properties receiving "high loan-to-value" (97/95%) financing. (Refer to Chapter 2). On VA-CRV's (VA-MCRV's), plans are not required. VA is responsible for complaint processing during the one-year warranty period. (Refer to paragraph 3-3.D.). ___________________________________________________________________________ 3/90 ii _____________________________________________________________________ 4145.1 REV-2 APPENDIX 11 ___________________________________________________________________________ 8. Where "low loan-to-value" (90%) financing is applicable: a. Under-Construction Case. Final inspection by a fee inspector is required. Plans are required to ensure compliance with appraisal conditions. Certifications, warranties or guarantees are not required by HUD. b. Existing Property (Less than one-year old). Since the property improvements are 100% complete, the appraisal (URAR) serves as the final inspection. Plans, certifications, warranties or guarantees are not required by HUD. 9. Submit Builder's Certification, Form HUD 92541, and the Agreement to Execute the Warranty of Completion of Construction, Form HUD 92541-A. (Refer to paragraph 3-3). 10. Submit the Warranty of Completion of Construction, Form HUD 92544, and the Addendum to Warranty of Completion of Construction, Form HUD 92544-A. (refer to paragraph 3-18). 11. Submit Carpet Identification Number for compliance with Use of Material Bulletin 44d. Also provide the homebuyer all manufacturers warranties and a certificate from the company that installed the insulation, stating the R-values of the insulation used. (Refer to Form HUD 92800.5B, items 5, 10, and 14 of Specific Commitment Conditions). ___________________________________________________________________________ 3/90 ii (Continued) _____________________________________________________________________ 4145.1 REV-2 APPENDIX 11 ___________________________________________________________________________ 12. Manufactured (Mobile) Homes, Title II (Refer to paragraph 3-4) a. FHA Mortgage Insurance can only be obtained on manufactured homes installed on a permanent foundation, built after June 15, 1976, in conformance with the Federal Manufacturers Home Construction and Safety Standards (FMHCSS). b. Comply with the Architectural Requirements, Specific Notes, for the appropriate Construction Status, except the following: 1) Column C; only two (2) inspections are required, an initial inspection of the permanent foundation and a final inspection of the entire property. 2) Column I; only the manufacturers warranties are required. At final inspection, the manufactured unit will be inspected to ensure completion of on-site work (i.e., proper joint connections and finish work associated with the joint connections). If a structural defect in the unit is observed, the final inspection will not occur until the applicable State Administrative Agency has verified structural soundness of the manufactured unit. c. Submit all information required in HUD Handbook 4930.3, Permanent Foundations Guide for Manufactured Housing. For an "existing" property, the foundation design information in Appendices A, B and C, may be used to verify the design of the existing system to ensure compliance with the definition of a "Permanent Foundation." d. The manufactured unit must not have been installed or occupied previously at any other site or location. 1) Existing Unit with New Permanent Foundation Proposed. "High loan-to-value" Financing is allowed provided the above mentioned items are submitted and accepted prior to issuance of Form HUD 92800.5B, Conditional Commitment / Direct Endorsement Statement of Appraised Value. Comply with item 12.C. Builder's Certification and Warranties are required on the foundation. 2) Existing Unit with Permanent Foundation Under-Construction or Completed Less than One Year (see note 13). Limited to "low loan-to-value" financing unless a HUD accepted insured 10-year protection plan is provided (See Appendix 10). Comply with item 12.C above. Builder's Certification and Warranties are required on foundation if "high loan-to-value" financing is provided with an insured 10-year protection plan. ___________________________________________________________________________ iii 3/90 ___________________________________________________________________________ 4145.1 REV-2 APPENDIX 11 ___________________________________________________________________________ 3) Existing Unit with a Permanent Foundation over One-Year Old Comply with item 12.C above. Builder's Certifications and Warranties are not required. "High loan-to-value" financing is allowed because the manufactured unit has been on the foundation for over one year. 13. The beginning date for the term "less than one year" is the earliest of: a. Date of Certification of Occupancy, or b. 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