Ludlow Engineering performs FHA inspections on modular homes throughout the State of Utah.

Call today for your estimate.

HUD-FHA-VA Loan Requirements For Manufactured Homes – Permanent Foundations and Gaining Compliance

How can I gain compliance with the HUD/FHA requirements for my manufactured home permanent foundation?

According to federal regulations, in order to meet the requirements for a manufactured home permanent foundation you must comply with the Permanent Foundations Guide for Manufactured Housing, (HUD-7584), dated September 1996.

ALL foundation certifications for manufactured homes require an inspection to determine compliance.

At a minimum, there are several compliance issues that must be met; these are:

A permanent skirting around the perimeter.
Permanent piers to support the structure.
Anchorage to resist loads caused by wind and earthquake forces.
And others…

A professional engineer in the state where the house is located must certify that the foundation is in compliance, or non-compliant. Each M.H. is site specific, and loan specific; so there is not cookbook scenario. Each M.H. must be evaluated separately.

So, you probably say, “Why is a professional licensed engineer required for a foundation certification?”. I’m glad you asked.

Foundation systems are a complex engineering design process. In order to safeguard, life, health and property, to promote the public welfare, and to establish and maintain a high standard of integrity and practice, a professional licensed engineer is required.

An experienced engineer that is familiar with the manufactured home industry can evaluate the M.H. and determine whether the foundation is in compliance to HUD standards. However, every engineer does not necessarily have the experience to properly evaluate the site and determine its standing with HUD. It takes a knowledge of the HUD code book (which most engineers are not even aware of) and a keen knowledge of the manufactured housing building industry.

A particular manufactured (mobile) home could be in compliance as-is. However, you can’t necessarily make that determination until an on-site inspection is completed. It is a wise to remember that before you start trying to retrofit an existing M.H. to bring it up to HUD’s Permanent Foundation Standards, you need to hire an experienced Engineer familiar with M.H. foundation certifications from day one. It can save a lot of time, and money.

Dr. David Blumenthal, National Coordinator for Health Information Technology, Department of Health and Human Services
Video Rating: 3 / 5

FHA Foundation Certification – Utah is a post from: Ludlow Engineering LLC

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Utah Land Surveyor

Looking for a Utah Land Surveyor that can cover the entire State of Utah in 2 to 3 hours?

Ludlow Engineering is that firm.  Being centered in the midlle of the state, they can be to Tremonton and St. George within 3 hours.

Contact us today at (435) 623-0897.

Utah land surveyor is a post from: Ludlow Engineering LLC

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1) Can you explain a bit about your background?

I have worked in the property world since graduating from Reading University in 1976 initially in the South Midlands and East Anglia, but for the last 26 years in the West Country counties of Cornwall, Devon, Somerset and Dorset.

2) What is your definition of value in the current UK property market?

Here is the non technical answer: the UK property market is a largely open and free market made up of thousands of individual transactions made by people and organisations with wide-ranging objectives. A free flow of information in the market is essential in informing the decisions behind those transactions. The internet has revolutionised the availability of information on transactions and has made it accessible to everyone; whereas before only people in the industry had such information. This has enabled many more people to join the property owning community. Value is what one person will pay to another for a property and, if value is not to be distorted, both parties must be well informed and acting in an arms length relationship.

3) Would it be fair to say that most surveyors are taking a conservative view on the valuation of property due to the uncertainty of the market?

Surveyors base their assessment of value not only on comparable evidence of similar transactions but also on their assessment of current market sentiment from the general public, the volume of properties available and being traded and of course many external factors that bear on the individuals undertaking a property transaction for example: the general state of the economy, interest rates , taxation policies etc. If surveyors are taking a conservative view, this should reflect a conservative approach that parties are taking in actual negotiations and transactions and reflecting the uncertainty of the market of which they form part.

4) The majority of investors reading this are residential property buyers one difficulty that has emerged as a result of the low market activity is the ability to obtain comparable sold data. What can be undertaken from your point of view to assist with this issue?

Data on property transactions is available through many free websites and through the Land Registry. Statistics on trends are also available free from the Department for Communities and Local Government and indices on house price movements from Halifax Bank and Nationwide Building Society. There are also subscription websites giving additional data which further knowledge about local markets (such as Hometrack’). Agents are, generally speaking, willing to help with information on transactions in their area provided they are approached tactfully and they are not restricted from giving information on a transaction by confidentiality. The current situation is dramatically better for individual investors than it has ever been and over time it is likely to improve further with the further development of the internet. However when there are so few transactions as we are currently experiencing, it is difficult find comparable evidence. This is a difficulty for professional Valuers as much as the general public. It needs deals to be done to establish the market. In these conditions investors may be taking greater risks as their decisions are less well informed. Property transactions have never been risk free and it may be that, after a long period of a rising market before this recession, some people became too complacent and assumed that their property transactions could not fail.

5) Can you talk through the processes that you would undertake prior to visiting a property in terms of your own due diligence?

Terms of business must be agreed with the client before visiting the property. Very often the client is pressing to have the advice/ survey/valuation as quickly as possible so that office based research sometimes happens after a visit rather than before. In any case, the Surveyor can target his research more efficiently if he has first visited the property and actually analysed its location. Depending on the purpose of the report, the Surveyor will want to consider most of the following:

- planning consents;

- short, medium and long term planning issues in the area;

- recent works of repair / improvement to the property;

- available consents guarantees;

- boundaries and related responsibilities;

- location and routes of utilities;

- environmental issues;

- contamination issues;

- presence of mines;

- flood risks;

- subsidence risks;

- details of construction if it is non-standard;

Much of this information and more is available through a local Authority search and website enquiries from various organisations.

6) Similarly, if you are requested to undertake a desktop valuation what steps would you take?

Surveyors should be very wary of desktop valuations which can be misleading to the recipient if the basis of the valuation is not properly understood. In general, such valuations should only be undertaken when the property has been previously inspected and preferably not too long before. Such valuations must clearly state the assumptions on which they are made. They are best avoided when a surveyor is dealing with the general public who will probably expect the same level of knowledge of the property as if it had actually been inspected and may feel let down if they subsequently find changed conditions which had not been identified through the lack of an inspection.

7)On the back of the last two questions, do you think residential house prices in the UK are still over-valued?

In my opinion, residential house prices are too high in relation to salary levels particularly if as a society we wish to encourage a home ownership culture. This is not a fault of the property market, but of external factors that bear on home buyers such as a lack of new homes available to buy thus restricting supply. In an open market such as the property market in the UK, home buyers are competing for the available homes to buy with other types of purchasers such as foreign investors, buy to let investors, holiday home buyers etc. Unless the government intervenes to disadvantage these other types of purchasers (which I would not advocate) they key to reducing prices is to increase the supply of homes on the market.

Should residential property investors take more of a value based approach as is what is more common in commercial property?

If the motive for purchase is property investment then yes, a value based approach is the best advice. However, when people buy for their own occupation and use they apply many different subjective criteria and will sometimes ignore the rational behaviour of the market and pay in excess of what the property could be resold for. This is a valid part of a diverse open market that sometimes makes it unpredictable for those observing it from a distance.

9) You are a major advocate of regulation of the property industry and your book discusses this in detail what kinds of measures do you think should be in place?

I am an advocate of the proper regulation of individuals working within the property industry particularly to protect the inexperienced general public who occasionally participate. I do not particularly advocate regulation of property itself unless there is a clear need . In many parts of the property industry there is a clear need and obvious benefit from various types of regulation, however in general I feel that there has been excessive and too complex regulation in recent years to the extent that some people ignore areas of regulation or the regulation restricts the market. Regulation should be proportionate to the benefit achieved as well as being simple and straightforward.

10) Is there a difference, in your opinion, between regulation to install professional principles into the industry and the government just sticking their oar in?

Governments are motivated to regulate where they feel that consumers are adversely affected or if the market is acting imperfectly or against policy objectives. Governments are also motivated to find ways to tax property which is a good store of private wealth and an easy target for the raising of public finance. Occasionally, governments will regulate in pursuit of social policy objectives. In general, the government in the UK has not regulated much in pursuit of encouraging professional principles, but rather has relied on the industry self-regulating itself through its professional bodies such as the RICS and NAEA. The Government has resisted the temptation to statutorily regulate Estate Agents which it could have done at any time by using powers in the Estate Agents Act of 1979. This means that the professional bodies need to be constantly looking at themselves critically to ensure that they are reflecting public opinion and public concerns by adapting their regulatory arrangements to keep up with best practice.

About the Author:
For more interviews like this and to keep up-to-date with the latest news broadcasts, hints, tips, strategies, please see the ‘Property Investor Hub Blog’: http://www.propertyinvestorhub.co.uk/

Interview With A Rics Property Surveyor (uk) is a post from: Ludlow Engineering LLC

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The topographic surveys, building surveys, boundary surveys, construction surveys, location surveys & ALTA/ACSM surveys are some of the most popular surveys conducted these days. An ALTA survey is a very detailed survey covering all the elements of mortgage surveys & topographic surveys in it. These surveys are mainly sought upon by lending institutions. The ALTA survey of a commercial property needs to confirm a set of mapping & surveying standards as devised by the ATLA/ACSM together. The Alta survey of industrial properties strictly adhering to the ALTA/ACSM standards is surely going to bring them better results in the form of ROI.

In view of the growing demand for building extension or conversion plans, building surveys are becoming more prevalent. They are the expensive survey type which are usually recommended for buildings that are already having lots of extensions or alterations or will undergo massive renovation or alteration in nearby future. Those who want to keep pictorial record of their property after a long period of alterations prefer to go for building surveys.

Similar to their name, boundary surveys are carried out to demarcate the original boundaries of a given piece of land or property. The surveyor takes into account the previously recorded markers along with the new improvements on the land while preparing the true boundary lines of a property.

The topographical surveys are the ideal way to distinct natural & artificial developments on a site. These surveys value a lot in both government & private projects. The architects & engineers use these maps as an important tool to aid in the designing or development of a site. The topographic maps help in finding fences, elevations, land contours, trees streams, buildings & other improvements on a piece of plot.

All kind of land surveys find maximum application in architectural, electrical & construction industry. The land surveys are regarded as handy tools of reference from conception & planning phases to production & maintenance thereafter.

About the Author:
Michael Butters is a professional land surveyor who has spent years conducting land surveys, topographical surveys, building surveys & boundary surveys. He has provided several residential & commercial construction projects with high quality topographical services for affordable price. To know more on his successful Land surveys projects.

Land Surveys & Their Importance is a post from: Ludlow Engineering LLC

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A survey is an exceptionally simple yet cost effective technique to help you get a much improved idea of what your clientele crave and wish. A survey is the most excellent tool for feedback about a choice of products and services obtainable to gain offered by a group. The surveying services are more often than not comprised of a range of types such as ALTA/ACSM Survey, Archaeological survey, Bathymetric survey, Engineering surveys, Hydrographic survey, Structural survey, Topographic survey, and the list goes on.

Data is properly presented in the accurate manner that will help any business entity. Survey has a cost-effective way, the data helping the needs of a corporation. In surveying process, a wide range things are generally involved for example survey setup and design, printing and mailing services, web-based surveys, survey scanning, reporting, survey data entry, statistical reporting and analysis, and so on. A team of highly dedicated surveying services experts are waiting to assist you scrutinize the impact of your workforce efficiency, organization proficiency and marketing strategies on your precious clients.

The Resounding Benefits of Surveying Services
There are more than a few advantages of surveying services involving:

Easy and trouble free survey mediums involving custom envelope design and mailing services
Precise data-digitizing techniques including optical character recognition, optical mark recognition and intelligent character recognition
Highly professional and skilled labor force at all phases of survey process
Custom size surveying services often suit to your modern contemporary needs and desires
Small and successful delivery timeframes
Handy instructions and tips from our industry experts to advance your business process and boost returns
Nominal package prices compared to the pros from catalyzing your revenue generation abilities

About the Author:
Here you will learn about surveying services and land surveying

The Resounding Benefits Of Surveying Services is a post from: Ludlow Engineering LLC

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Get a land survey completed in Utah County.  A land survey gives you peace of mind knowing where your boundary lines are and where you can build.

Do you know about the history of land surveys – enjoy this article.

D.H.O. LAND SURVEYS PENALTY FOR REMOVAL


Image by sbwoodside
Survey marker

Land Surveys Share A Part In American History

It seems strange to think of the United States as one big land mass without any borders between states or lines between properties. However, it is because of land surveys that we have the order and organization that we do today. Thomas Jefferson was a land surveyor, as was George Washington and Abraham Lincoln. While these famous figures aren’t known for their groundbreaking surveying, it is through their tools and maps that the American landscape really took shape.

The new Museum is located in Springfield, Illinois and will house a great many artifacts related to surveying. You will also find a library with both archives as well as surveying materials. The museum is opening in the Illinois Heritage Center because it is a close location to other historical Abraham Lincoln landmarks. This museum, too, offers a look at the role Abraham Lincoln played in our histories past, with his job in surveying and how it played an important part. In Lincoln’s early career he was the deputy surveyor in Sangamon County, Illinois. This will definitely be a highlight in the museum.

The museum could also prove to be a valuable teaching tool for students as they study the concepts of townships, cities and roads. We take for granted that the lines were drawn for these by land surveyors. Further, the first settlers to America had to count on these lines or a survey of the farms to protect their claim. These very first acts are the very reason we have some of the lines for our villages, towns and counties today. What a fascinating way for students to learn more about this history by being able to visit the museum and see it first hand.

The integrity and professionalism of the surveyors such as Washington, Jefferson and Lincoln is also discussed. When we buy a house even today we rely heavily upon the work of a surveyor to draw up boundaries. It is difficult to say what would happen if land surveyors starting making up their own rules and changing all the boundaries. Since land surveying is such an integral part of our past it is important for people to study and understand it. The museum will house maps and other equipment that were used in the past. It might be particularly fascinating to compare the maps and textbooks that are used today with those from the past and see how things have changed.

Most of us don’t even really consider that land surveying has been around for a long time and has been a very important part of shaping the United States. If land surveyors had done things differently the shapes of states, villages, towns or counties could be much different today. Some of our founding fathers were in fact land surveyors and this museum serves as a reminder that they have left behind an amazing legacy for us to remember. Next time you are thinking about hiring a land surveyor think about the integrity of those surveyors from the past, consider the history of those that have come before and remember the amazing shape of America and how the land surveyors have played a key part in getting us where we are today.

Land Surveyors Utah County is a post from: Ludlow Engineering LLC

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Land Surveyors Payson, Utah

If you are from Payson, Utah and are looking to have your property surveyed – Then turn to Ludlow Engineering.  Ludlow Engineering has been land surveyors in the Utah County area for over 30 years.

Understanding the details is critical when you perform land surveys in a particular location.

Why to go in for land surveys?

In this article,  we are going to deal with what are some of the reasons for which a land survey  has to be conducted. A land surveyor may be an individual/firm/company who has  the specialized tools and experience in providing the mapping, boundary  services to the property owners. They are well known for providing plans, maps,  and property boundaries for construction, remodeling, title insurance and some  of the other real estate projects. Land surveying is the first and foremost  requirement for the purchase of any property. The surveyor is the one who  researches the different title and the documents so as to obtain an accurate  description for your land. They also need to research the property of the  neighbor so as to arrive on an analysis of their client’s property. This  enables them to take away any scope of conflicts or problems. They are also  known to obtain the physical measurements of the property, these measurements  are inturn analyzed to compare the records on the file so as to check for any  discrepancies and avoid any kind of conflicts.

There are  different specialized equipments that a land surveyor is known to use like for  the determination of the boundary surveys, it is important to note that he  makes use of electronic equipment, photo mapping, GPS positioning, measuring  tape and they can even use a historical compass to yield accurate measurements.  The cost of land survey varies on the type of survey you undertake. This  however depends on the kind of work that is been undertaken for research, the  size and scale of the project and the property in itself, the period in which  the survey is taking place, the weather conditions, what is the number of  visits that are required to fulfill the desired results and the accurate  comparisons of the present data and the future results. It is very important to  note the basic fact that the cost of the survey depends on the kind of work  that is required to be undertaken.

There are a number of reasons why many people resort  to get a new land survey. Researches have shown that there are few property  buyers who are getting the professional buyers. This is just because of the  simple reason that the mortgage companies or the title insurance companies do  not require the survey results for their underwriting issues, but it is our  duty to understand the basic fact that this could have an adverse impact on our  title, marketability and the even the value of our property. There are many  homeowners who are relying on the outdated practices to evaluate the survey  matters, however this is unwise. The results of an old survey should be  definitely certified for a seller but they are not acceptable by a new buyer.  Hence it is important that the new buyer should not rely on old surveys for  many obvious reasons. A new survey has to be conducted and certified to the  buyer. A new survey has the capability to identify recent, missing, destroyed  and erroneous property corners. It is important to remember that the survey  affidavit should not be signed, this puts him in an awkward position that they  need to sign and approve the results of the old survey. All the parties need to  be aware that the survey is an original creation and it is protected by the  federal copyright laws. Hence it is important that a new survey has to be  conducted; otherwise the purchase of the property is without much of evidence.

Land Surveyors Payson, Utah is a post from: Ludlow Engineering LLC

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Juab County

Population in July 2008: 1,402. Population change since 2000: +64.9%

Males: 682	(48.7%)
Females: 720	(51.3%)

Median resident age:	24.3 years
Utah median age:	27.1 years

Zip codes: 84645.
Estimated median household income in 2008: $69,174 (it was $49,464 in 2000)

Mona:	$69,174
Utah:	$56,633

Estimated per capita income in 2008: $20,126

Mona town income, earnings, and wages data

Estimated median house or condo value in 2008: $270,708 (it was $135,900 in 2000)

Mona:	$270,708
Utah:	$236,000

Mean prices in 2008: All housing units: $257,906; Detached houses: $259,771; Townhouses or other attached units: $269,213; In 2-unit structures: $126,425; Mobile homes: $54,500

Land Surveyor in Mona, Utah is a post from: Ludlow Engineering LLC

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Ludlow Engineering performs An Alta Survey in Utah.

An Alta survey is the Cadillac of all Land Surveying projects.  The ALTA survey requires the land surveyor to complete their due diligence on the property.

What is an ALTA survey?

ALTA stands for American Land Title Association. The ALTA is a group that represents the land title and title insurance industry. In addition to ALTA, the American Congress on Surveying and Mapping (ACSM) also accepts and conforms to ALTA survey conventions. An ALTA survey is a survey done in such a way that it conforms to ALTA standards. The good thing about this is that most surveyors know and understand this format – so once you get used to reading an ALTA survey you will be able to do it over and over again on subsequent transactions.

What does an ALTA survey contain?

Like any survey, an ALTA survey shows the physical characteristics of the property you are purchasing. The first thing an ALTA survey will give you is a description of the metes and bounds of the property. In other words, the survey will give you the actual description (longitude and latitude) of the property boundaries. Most buyers perform their own survey for due diligence to ensure that the property they are purchasing is the size they thought it was.

An ALTA survey also shows improvements on the property, rights of way on the property, as well as any easements granted by previous property owners. For land that you are considering developing, this is incredibly important. If you have an easement granted to the power company that goes straight through the middle of the property, it may be difficult, or impossible, to develop.

Click here to find out more….

Alta Survey – Utah is a post from: Ludlow Engineering LLC

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An Alta Survey is often required during a property transfer or transaction.

Here is a little more about the beginnings of the ALTA Survey.

Article Source: http://EzineArticles.com/?expert=Charles_Iner

Alta Surveys Utah is a post from: Ludlow Engineering LLC

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