A mobile home, on wheels, is considered personal property as opposed to a site-built house. Mobile homes built prior to 1976 will seldom qualify for a mortgage, because these homes deteriorate and lose value rather than appreciate as a permanent home usually does. There are ways, however, to get lenders, appraisers and other officials to look upon your mobile home as a permanent house.
Check with your city building department to make certain that it is even possible to turn a mobile home into a permanent home. Most communities allow this, but a few do not.
Get a building permit that allows you to pour a cement foundation and attach a manufactured home as a permanent home.
Pour a cement foundation for your mobile (manufactured) home, following all local building requirements, including those for plumbing and electrical wiring. Follow all HUD (U.S. Department of Housing and Urban Development) requirements for turning a mobile home into a permanent residence.
Place your mobile home on your permanent foundation and remove the wheels and axles. Bolt the frame of the home to the foundation, following all local building codes and all HUD requirements.
Attach all plumbing and electrical wiring as per local building codes, and get everything signed off as required by your local zoning and building codes. In most areas of the country, you will need to get each step approved as you complete it, rather than waiting until the end of the project to get all the steps signed at once.
File HUD form 433A to inform the federal department that you are changing a personal-property-mobile home into a permanent house on a permanent foundation.
If you are attaching your mobile home to a foundation in order to get a home mortgage (rather than a personal property loan), consult with your lender ahead of time as to specific requirements for making the change.
Apply for all of the proper permits and follow all building and safety codes to the letter.
Tips and warnings
- If you are attaching your mobile home to a foundation in order to get a home mortgage (rather than a personal property loan), consult with your lender ahead of time as to specific requirements for making the change.
- Apply for all of the proper permits and follow all building and safety codes to the letter.