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Re-reading the email from my loan broker, maybe I have read it wrong - here is what she wrote: The underwriting department declined the loan because the investor that they use will not accept a Post & Pier foundation on any manufactured home - no exceptions. There was no way getting around the appraisal for not stating a post & pier foundation, which your foundation is - FannieMae issued new mandatory guidelines for appraisers about 18-24 months ago in which appraisers must submit form 1004C "Manufactured Home Appraisal Report Addendum" and on this form it clearly asks if there is a Pier & Post Foundation. When I purchased the home, I was very specific through escrow to make sure that the home was on a permanent foundation that was in compliance with all state, city, and county regulations.
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