Skip to content
BOL Conferences
Forums · Active Threads · Forum Rules · Mark All Read · Log In
BankersOnline.com Forums Banker Forums Flood Compliance Mobile Home - Flood Det.
Thread Options
#2238362 - 06/19/20 03:56 PM Mobile Home - Flood Det.
Nicole Offline
100 Club
Joined: Nov 2018
Posts: 158
Do you need to pull a flood determination on a mobile home only no land taken as collateral and not permanently affixed.

Sorry haven't dealt with MH only loan in quite some time.

Return to Top
Flood Compliance
#2238366 - 06/19/20 04:28 PM Re: Mobile Home - Flood Det. Nicole
rlcarey Offline
10K Club
rlcarey
Joined: Jul 2001
Posts: 83,371
Galveston, TX
Yes. But what do you mean it is not permanently affixed? If it is located in a SFHA, it has to be.
_________________________
The opinions expressed here should not be construed to be those of my employer: PPDocs.com

Return to Top
#2238368 - 06/19/20 04:29 PM Re: Mobile Home - Flood Det. Nicole
Nicole Offline
100 Club
Joined: Nov 2018
Posts: 158
the mobile is currently on property not owned by borrower and is not on a permanent foundation just "tied down"

Return to Top
#2238371 - 06/19/20 04:36 PM Re: Mobile Home - Flood Det. Nicole
rlcarey Offline
10K Club
rlcarey
Joined: Jul 2001
Posts: 83,371
Galveston, TX
Still need a FHD - if it is tied down - it is affixed from a flood perspective. You cannot place a mobile home in a SFHA without it being affixed without violating flood plain management rules.
_________________________
The opinions expressed here should not be construed to be those of my employer: PPDocs.com

Return to Top
#2238373 - 06/19/20 04:40 PM Re: Mobile Home - Flood Det. Nicole
Nicole Offline
100 Club
Joined: Nov 2018
Posts: 158
ok thank you!

Return to Top