Glossary of Terms
There are currently 16 terms in this directory beginning with the letter F.
F
Fence
A freestanding vertical structure erected to enclose an area or act as a barrier generally constructed of posts, boards, wood, wire stakes or rails.
FHA Loan, or Mortgage
FHA loan is a federal assistance mortgage loan in the United States insured by the Federal Housing Administration. While there are limits to the size of FHA loans, they are generous and handle moderate-priced homes almost anywhere in the country, including mobile home units.
FHA, F.H.A.
An acronym for Federal Housing Administration. It is within the U.S. Department of Housing and Urban Development and the set the industry standards for permanent foundation systems for manufactured homes which most other agencies adhere to.
Fire Hydrant
A connection to a water source for the purpose of supplying water to a fire hose or other fire protection apparatus, and includes a standpipe.
Fire Hydrant System
All fire hydrants, water piping, pumps, tanks, and valves attached to the water system supplying the hydrants.
Flashing
Flashing refers to thin continuous pieces of sheet metal or other impervious material installed to prevent the passage of water into a mobile home unit from an angle or joint.
Flood Plan, FEMA Flood Plan
The lowlands adjoining the channel of a river, stream, or watercourse, or ocean, lake, or other body of standing water, which have been or may be inundated by flood water. The channel of a stream or watercourse is part of the floodplain.
Footing, or Footer
The portion of a mobile home foundation support system, in direct contact with the ground, that distributes imposed loads to the soil.
Form 433b
Owners of ${mb}s who install their unit on a foundation system are required to complete and submit Form 433B with the County Assessor upon completion of the installation. The form can be downloaded from http://www.hcd.ca.gov/codes/mhp/433B.pdf
Form 433c
If a mobile home park is converted to a resident owned subdivision, cooperative, condominium, or nonprofit corporation and the mobile home owner applies for conversion of their home to a fixture improvement, they would use Form 433C. The form can be downloaded from http://www.hcd.ca.gov/codes/mhp/433C.pdf
Foundation Certification
A stamped certification by a licensed professional engineer in the state where the home resides. The Engineer's Certification states that the foundation (or permanent foundation) complies with the standards set forth by the governing agency. Also see Foundation Certification.
Foundation System
An assembly of materials designed and engineered to resist the imposition of external forces once the mobile home unit or commercial modular is installed upon it. When dealing with mobile homes, it generally consists of piers and footing, a perimiter masonry block skirting on a continuous concrete footing, tie-downs or some sort of anchorage device.
Freddie Mac Lending Requirements
Below are some requirements in order to get a loan from Freddie Mac for a mobile home:
- Built on a permanent chassis in compliance with HUD.
- Must have a HUD certification label or data plate.
- The dwelling unit must be legally classified as real property.
- Must be at least 12 feet wide and have a minimum of 600 square feet.
- Must be built after June 15, 1976.
- Must be affixed and attached to a permanent foundation system and the land must be owned by the borrower (unless located in a condominium project)
- Must be permanently connected to sewer or other utilities.
- The wheels and axles must be removed.
- Must have a licensed engineer or the local building jurisdictions approve any structural modifications.
