"A manufactured home deserves the same careful eye as any other — plus the specialized certifications lenders and insurers require. Lighthouse handles all of it."
Lighthouse inspects manufactured homes with the same thorough, honest approach Lane Ragsdale brings to every site-built home — roof, structure, electrical, plumbing, HVAC, and more. On top of the inspection, Lighthouse coordinates the specialized certification these homes often need: the HUD Foundation Certification / Permanent Foundation Certification that lenders typically require, prepared by a licensed professional engineer. Whether you're buying, selling, financing, or refinancing a manufactured home across Southern Middle Tennessee and North Alabama, Lane can handle the inspection and coordinate the HUD Foundation certification your lender is asking for.
As a Certified Master Inspector (CMI®) licensed in both Tennessee and Alabama, Lane knows what these homes require and delivers clear documentation you can hand straight to your lender, agent, or insurance company.
Thorough manufactured and mobile home inspections, plus access to foundation and tie-down certifications through licensed professional engineers we work with. Lighthouse collects the required on-site photos and information, and the engineer reviews the documentation and prepares the applicable report.
Your lender may request a HUD permanent foundation certification, or your insurer may require a tie-down certification. Missing documentation can delay financing or insurance approval. Lighthouse makes the process easier by coordinating the site visit and working directly with the engineer — giving you a local point of contact from scheduling through report delivery.
Home inspections and certification services can be ordered separately or together.
From a full home inspection to the certifications your lender and insurer require — all in one place.
A complete inspection of the manufactured or mobile home — roof, structure, electrical, plumbing, HVAC, and interior.
An engineering foundation certification to HUD's Permanent Foundations Guide — prepared by a licensed engineer, with Lighthouse coordinating the site visit.
A tie-down / anchor certification for insurance purposes — prepared by a licensed engineer from the documentation Lighthouse collects.
Clear, documented results you can hand straight to your lender, insurer, or real-estate agent.
Financing a manufactured home is different from a site-built home. FHA and VA loans typically require an engineering foundation certification confirming the home's foundation and installation meet HUD's Permanent Foundations Guide for Manufactured Housing. Without it, the loan often can't close.
Insurance is its own step: many carriers require a tie-down (anchor) certification verifying the home is properly anchored against wind. Lighthouse coordinates both with the engineer, so you're not scrambling at closing.
And because Lane inspects the whole home too, you get the full picture of its condition — not just the paperwork — before you buy or sell.
Everything is delivered in plain language, with documentation your lender and insurer will accept.
Need a foundation certification for a lender, or a full inspection before you buy? Start a foundation-certification request below, or schedule your manufactured-home inspection with Lane directly.
Foundation certifications are completed to the standards of HUD's Permanent Foundations Guide for Manufactured Housing. Learn more at HUD.gov.
From your first phone call to final report delivery, here's exactly what to expect.
Call or text Lane at 931-307-1524 or use our contact form. Scheduling is fast and easy, and we'll answer any questions before you book.
Lane evaluates the home thoroughly as a Certified Master Inspector. You're welcome to attend and ask questions along the way.
You receive a clear, color-coded report with photos — major concerns separated from minor ones — often within a day.
Questions after the report? Lane walks you through the findings and gives honest, practical advice on your next steps.
It's an engineering inspection confirming the home's foundation and installation meet HUD's Permanent Foundations Guide for Manufactured Housing. FHA and VA lenders typically require it before they'll finance a manufactured home.
In most cases, yes — FHA and VA loans on manufactured homes generally require an engineering foundation certification. If you're not sure what your lender needs, Lane can help you figure it out.
It verifies that the home's tie-down and anchoring system is in place and secure. Many insurance carriers require this certification before they'll write or renew a policy on a manufactured home.
Yes. Lighthouse performs a complete manufactured or mobile home inspection — roof, structure, electrical, plumbing, HVAC, and interior — the same thorough way we inspect any home, so you know the full condition, not just the certification.
Lighthouse is based in Fayetteville, TN and serves communities across Southern Middle Tennessee and North Alabama — including Huntsville, Madison, Athens, Winchester, Tullahoma, Murfreesboro, Sewanee, and Monteagle. Give us a call to confirm your area.
Certified Master Inspector • InterNACHI® Certified • Licensed in TN & AL • Serving Southern Middle Tennessee & North Alabama Since 2019