Missing HUD Tag # on Manufactured Homes

Dave Towne

Dave Towne

Certified Residential RE Appraiser at Towne Appraisals
AGA, MNAA, Accredited Green Appraiser - Licensed in WA State since 2003.
Dave Towne on e-AppraisersDirectory.com
Dave Towne

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HUD Tag # on Manufactured Homes Missing? Solution for AppraisersSometimes NO HUD Tag number can be found…

Appraisers,

Regarding Manufactured Homes (MFH), sometimes NO HUD Tag number can be found on, or in, the MFH. However, this number is required to be entered on the 1004C appraisal form. Loans for MFH’s cannot be processed without these numbers.

The HUD Tag is the metal plate(s) attached to the rear of each section. Numbers are usually sequential, with three letters as the prefix. Inside the home, someplace, should be a paper ‘Data Plate’ with the home serial number, HUD Tag #’s, and other data. But often the Data Plate cannot be found, and sometimes the HUD Tags are removed when a home is re-sided, remodeled, etc.

In such cases, include the PDF form embedded below in your report. Put this 2 page form AHEAD of the 1004C, so that the underwriter sees it first when examining the report. Then add commentary in the report that the required numbers could not be found anywhere on or in the home.

THE APPRAISER DOES NOT HAVE TO SUBMIT THIS FORM TO ITBS or pay the submittal fee. It is a lender responsibility.

NOTE: This attached 2012 ITBS form replaces the older form, which is now out of date, and should not be used. Tip: include this new form in your MFH report templates. If you find the required numbers on the home, just remove the form from the report.

NOTE #2: HUD Tags are used on MFH manufactured homes built June 15, 1976 and after. Before that, you may not find any tag, and technically an older home is a MOBILE home (for description purposes), not a manufactured home.

NOTE #3: Do not confuse manufactured and mobile homes with ‘modular’ homes. Legally, MODULAR homes are built to the Uniform Building Code standards and can be compared to regular site-built homes for comparable use. Manufactured and Mobile homes are built to codes different from the UBC. For report purposes, the different types should not be mixed as comps unless local sales are extremely limited.

If you have this kind of housing in your market, I encourage you to take a CE class on appraising factory-built housing. You will learn lots!

Dave Towne

Dave Towne

AGA, MNAA, Accredited Green Appraiser – Licensed in WA State since 2003.
Dave Towne on e-AppraisersDirectory.com

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4 Responses

  1. Baggins Baggins says:

    Dang Dave. Just yesterday I was in this scary little scuttle for a manufactured, digging around in the dirt around spiders to try and find the hud tag which was apparently set just over the scuttle, I could see the square outline of where it was supposed to be. One lender I worked with had a mandatory policy every manufactured home came with a follow up engineer report which was really great for me as an appraiser. It would be nice if that was standard process for all lenders. Depreciating boxes? They go 130k-160k for huge ones delivered, set, and certified, available to purchase right online. I’d also suggest appraisers who review these also make a point of comparing their off the shelf comparative new cost as well, it’s as easy as bouncing to a producer sellers web page. Thank you Dave.

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  2. koma says:

    In my areas the owners pop them suckers off asap and typically put shelving in the closet right over the paper work. And in one subdivision some agents do not even state that the house is MF in the MLS. Took that CE class already and it was a good one. One borrower got mad when I called his house a manufactured house, he stated because it had an electrical box on the side it was no longer a mobile home…lol  Took a few minutes to explain the difference then went on to finish my observation.

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    • Baggins Baggins says:

      The h&b use of a manufactured home is meals on wheels. Dang, I showed up for that comp pic and they had just scraped and removed it. Only in manufactured. Will HUD approve them with old tin wrap for crawl cover?

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Missing HUD Tag # on Manufactured Homes

by Dave Towne time to read: 1 min
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