http://www.onthelevelcontractors.com Tue, 25 Aug 2009 18:46:56 +0000 FeedCreator 1.7.2 http://feedproxy.google.com/~r/OnTheLevelContractors/~3/Adgb7BOdm5A/ <div class="grey-box1"> <p> </p> <p> Unless you or your pet is bothered by a little noise, there is no reason to evacuate the premises. Releveling and retrofitting should not be an aggressive process that could cause damage your interior contents---it is supposed to be done systematically and carefully so there will be little or no issue for your existing drywall, paneling, tiles and flooring systems. If someone suggests otherwise, get another opinion. </p> <p> <a href="index.php?option=com_content&amp;task=category&amp;sectionid=3&amp;id=13&amp;Itemid=37" target="_self" class="readon">Back to Main FAQ</a> </p> <br /> </div> <p><a href="http://www.onthelevelcontractors.com/content/view/10/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/Adgb7BOdm5A" height="1" width="1"/> Administrator <support@caldiatech.com> Wed, 12 May 2004 15:54:06 +0000 http://www.onthelevelcontractors.com/content/view/10/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/Rtj4WejvYGg/ <p> </p> <p> Generally speaking most repairs or alterations of a mobilehome or manufactured home require a permit. For instance, in California the licensing authority is the HCD (Department of Housing and Community Development) but each state has their own licensing authority and often the state authority delegates the responsibility to a local jurisdiction like a city or county. </p> <p> Even then, it is not always clear-cut. Sometimes you may have to pull a permit both with the local jurisdiction and the state agency! So check and double check. </p> <p> <a href="index.php?option=com_content&amp;task=category&amp;sectionid=3&amp;id=13&amp;Itemid=37" target="_self" class="readon">Back to Main FAQ</a> </p> <br /> </div> <p><a href="http://www.onthelevelcontractors.com/content/view/11/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/Rtj4WejvYGg" height="1" width="1"/> Web master <support@caldiatech.com> Wed, 12 May 2004 15:54:06 +0000 http://www.onthelevelcontractors.com/content/view/11/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/R6P-zs83ixU/ <p> <span class="hl1"><b>OnTheLevel</b></span> is a one stop shop for lenders and homeowners that are involved in a manufactured home loan or real estate transaction. Whether you need an engineer's certification on a foundation or a foundation repair, we have a national network of service providers to provide turn-key solutions. </p> <p> For the loan officer, processor or underwriter we can provide support with your manufactured home transactions by facilitating the engineer's certifications of the foundation. The engineer's certification specifies that the foundation complies with the HUD Permanent Foundation Guide for Manufactured Homes (PFGMH - HUD 7584), a requirement for all FHA-insured loans which include <a href="index.php?option=com_content&amp;task=view&amp;id=19&amp;Itemid=43" target="_self" title="FHA and Reverse Mortgage Loans">Home Equity Conversion Loans (Reverse Mortgage) Loans.</a> If the foundation does not comply for any reason, we can also expedite the requisite repair to meet the engineer's repair or retrofit specifications. Generally all costs associated <p><a href="http://www.onthelevelcontractors.com/content/view/1/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/R6P-zs83ixU" height="1" width="1"/> Web Master <support@caldiatech.com> Sat, 12 Jun 2004 15:54:06 +0000 http://www.onthelevelcontractors.com/content/view/1/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/PloYYeCbizY/ <div style="text-align: center"> </div> <h1>About Us</h1> <p> <span class="hl1"><b>OnTheLevel</b></span> is a national network of professionals specializing in manufactured homes foundation solutions ranging from engineer's certifications to foundation repairs. With over twenty years of foundation specialty experience, <span class="hl1"><b>OnTheLevel</b></span> is ideally suited to liaison between homeowners and the lending and real estate industry to meet transaction conditions, primarily those required for FHA-insured loans which include Home Equity Conversion Mortgage (HECM) or Reverse Mortgage Loans. </p> <p> As licensed General Contractors (B-1) and Manufactured Home Specialty Contractors (C-47) in the State of California, ie-Down Contractor in Arizona and Oregon as well as certified Department of Veterans Affairs contractor (Builder ID number 4714) under the VA Home Loan Guaranty Program, <span class="hl1"><b>OnTheLevel</b></span> has a comprehensive background in manufactured home foundations, repair solutions and the available state approved retrofit systems. We also network with contractors with similar qualifications nationwide if a repair is <p><a href="http://www.onthelevelcontractors.com/content/view/12/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/PloYYeCbizY" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 13:45:58 +0000 http://www.onthelevelcontractors.com/content/view/12/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/gbZib_43fMg/ <div style="text-align: center"> </div> <h1>Services</h1> <p> <span class="hl1"><b>On The Level General Contractors</b></span> specializes in the retrofitting, repair and upgrades of the foundational supports for the undercarriage of relocatable, manufactured and factory-installed homes. We can generally service any vintage home and any type of understructure complexity. Whether the home has cement stanchions, blocks, metal piers or heavier-duty seismic systems, we are experienced in servicing a wide range of manufacturing components as well as having a understanding of different soil conditions. </p> <p> For detailed information on any of our services, <a href="index.php?option=com_content&amp;task=view&amp;id=26&amp;Itemid=50" target="_self" title="Manufactured Housing">plus a glossary of the terms</a> typically used within the industry, click on any of the following links or on the Services menu. </p> <ul class="checkbox"> <li><a href="index.php?option=com_content&amp;task=view&amp;id=14&amp;Itemid=36" target="_self">433A-Foundation</a></li> <li><a href="index.php?option=com_content&amp;task=view&amp;id=18&amp;Itemid=42" target="_self">FHA/VA Foundation</a></li> <li><a href="index.php?option=com_content&amp;task=view&amp;id=18&amp;Itemid=42" target="_self">FHA &amp; Reverse Mortgage Loan Compliance</a></li><!-- <li><a href="#">Permanent Foundations</a></li> --> <li><a href="index.php?option=com_content&amp;task=view&amp;id=20&amp;Itemid=44" target="_self">Retrofit Services and Foundation Upgrades</a></li> <li><a href="index.php?option=com_content&amp;task=view&amp;id=21&amp;Itemid=45" target="_self">Engineer Certification</a></li> <p><a href="http://www.onthelevelcontractors.com/content/view/13/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/gbZib_43fMg" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 14:01:56 +0000 http://www.onthelevelcontractors.com/content/view/13/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/2AyW3008Tag/ <script> window.addEvent("domready", function() { new iMask({ onValid: function(event, obj) {obj.setStyles({"background-color":"#cfc", "border":"1px solid #0c0"})}, onInvalid: function(event, obj) {obj.setStyles({"background-color":"#fcc", "border":"1px solid #c00"})} }); var exValidatorA = new fValidator("myform"); }); </script> <div style="text-align: center"> </div> <h1>433A HCD Foundation - Conversion to Real Estate in California</h1> California is one of the states where the conversion from personal property to real estate goes hand-in-hand with the type of foundation that supports the manufactured home A recorded 433A is generally required either by the lender or the title officer (or both) for real property conversion or for title endorsements. The process of conversion is overseen by the Department of Housing and Community Development (HCD) and the titling documenation is called a Form 433A aka INSTALLATION OF A MANUFACTURED HOME ON A FOUNDATION SYSTEM and complies with California Code of Regulations, Title 25, Division 1, Chapter 2, Section 18551. This recorded document provides security to the <p><a href="http://www.onthelevelcontractors.com/content/view/14/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/2AyW3008Tag" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 14:04:58 +0000 http://www.onthelevelcontractors.com/content/view/14/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/Kc7b0hSU3R4/ <div class="grey-box1"> <p> </p> <p> Be very cautious about anyone that solicits your business and offers &quot;free&quot; inspections or suggests that they have a &quot;warranty&quot; service with you. Many unsuspecting people have been bilked out of thousands and thousands of dollars for unnecessary or poorly executed workmanship. Buyer beware of telephone solicitors. </p> <p> <a href="index.php?option=com_content&amp;task=category&amp;sectionid=3&amp;id=13&amp;Itemid=37" target="_self" class="readon">Back to Main FAQ</a> </p> <br /> </div> <p><a href="http://www.onthelevelcontractors.com/content/view/15/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/Kc7b0hSU3R4" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 18:49:44 +0000 http://www.onthelevelcontractors.com/content/view/15/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/yYLVow38Fk4/ <div class="grey-box1"> <p> </p> <p> It should be the reverse. Often times the retrofit can be paid out of the proceeds of the loan. Yet most importantly many contractors may say they are retrofitting your home but their work product is worthless if it can't meet an engineer's certification or garner the state certification for recorded documents. Don't pay for something in advance that may not meet a lender's requirements. </p> <p> <a href="index.php?option=com_content&amp;task=category&amp;sectionid=3&amp;id=13&amp;Itemid=37" target="_self" class="readon">Back to Main FAQ</a> </p> <br /> </div> <p><a href="http://www.onthelevelcontractors.com/content/view/16/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/yYLVow38Fk4" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 18:54:34 +0000 http://www.onthelevelcontractors.com/content/view/16/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/crMpPGsRS9E/ <div class="grey-box1"> <p> I am confused about what constitutes a foundation. My home was installed in 1992 on a foundation with a permit and the building inspector signed it off. Why does it not meet the FHA regulations?</b> </p> <p> FHA/HUD regulations require that the home be compliant with current guideline for hold-downs, tie-downs, and attachment. In many cases these requirements are more stringent than the local codes. It is common for a home to pass a local city, county or state code but not make the grade for FHA regulations. </p> <p> <a href="index.php?option=com_content&amp;task=category&amp;sectionid=3&amp;id=13&amp;Itemid=37" target="_self" class="readon">Back to Main FAQ</a> </p> <br /> </div> <p><a href="http://www.onthelevelcontractors.com/content/view/17/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/crMpPGsRS9E" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 18:55:38 +0000 http://www.onthelevelcontractors.com/content/view/17/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/lgT0hCR4gGw/ <script> window.addEvent("domready", function() { new iMask({ onValid: function(event, obj) {obj.setStyles({"background-color":"#cfc", "border":"1px solid #0c0"})}, onInvalid: function(event, obj) {obj.setStyles({"background-color":"#fcc", "border":"1px solid #c00"})} }); var exValidatorA = new fValidator("myform"); }); </script> <div style="text-align: center"> </div> <h1>FHA/VA Foundation</h1> <p> For VA or FHA-Insured Loan on a Manufactured home(which includes Reverse Mortgages or Home Equity Conversion loans), the opinion of a professional engineer certifying that the foundation meets a national quality standard is required. The <span><a href="http://www.onthelevelcontractors.com/index.php?option=com_content&amp;task=view&amp;id=26&amp;Itemid=50#engineer-certification" target="_self">Engineer Certification</a></span> signifies that the home's structural foundation complies with the standards set forth in the HUD PERMANENT FOUNDATION GUIDE FOR MANUFACTURED HOMES. </p> <p> The reason for this requirement is to establish a national standard of consistency amidst inconsistent state installation standards. While manufactured homes have standardized preemptive structural, plumbing, and electrical standards that need to be met before leaving the factory, installation standards vary from county to county, state to state. Additionally, manufactured homes are <p><a href="http://www.onthelevelcontractors.com/content/view/18/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/lgT0hCR4gGw" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 18:57:38 +0000 http://www.onthelevelcontractors.com/content/view/18/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/KdhqmBrijW4/ <div style="text-align: center"> </div> <h1>FHA &amp; Reverse Mortgage Loan Compliance</h1> <p> <b>FHA-insured loans (which include Reverse Mortgages)</b> require that the manufactured home's foundation will comply with the HUD publication, <span><a href="index.php?option=com_content&amp;task=view&amp;id=26&amp;Itemid=50#permanentfoundation" target="_self">PERMANENT FOUNDATION GUIDE FOR MANUFACTURED HOMES</a></span>, dated 1996. In addition to the local jurisdiction and state requirements for attachment or affixation, lenders and underwriters generally require the additional inspection and certification of a licensed structural engineer. We can expedite the inspection and certification of a home that complies or, if necessary, we can <span><a href="index.php?option=com_content&amp;task=view&amp;id=20&amp;Itemid=44" target="_self">retrofit</a></span> the manufactured home's understructure in a manner that will meet the requirement of the HUD Handbook. </p> <h2>Manufactured Homes in Condominium Parks</h2> <p> One of the more restrictive limitations on the financing of manufactured homes has been FHA's exclusion of manufactured homes in <span><a href="index.php?option=com_content&amp;task=view&amp;id=27&amp;Itemid=51" target="_self" title="Foundations and the Mobilehome Park Conversion Process">condominium parks</a></span>. This has been especially restrictive in California and <p><a href="http://www.onthelevelcontractors.com/content/view/19/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/KdhqmBrijW4" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 18:58:15 +0000 http://www.onthelevelcontractors.com/content/view/19/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/9jI7SBbNn1g/ <script> window.addEvent("domready", function() { new iMask({ onValid: function(event, obj) {obj.setStyles({"background-color":"#cfc", "border":"1px solid #0c0"})}, onInvalid: function(event, obj) {obj.setStyles({"background-color":"#fcc", "border":"1px solid #c00"})} }); var exValidatorA = new fValidator("myform"); }); </script> <div style="text-align: center"> </div> <h1>Retrofit Services and Foundation Repairs</h1> <div class="body-line"> </div> <p> <span><b>OnTheLevel</b></span> offers retrofit services and consulting to homeowners, lenders and insurance companies for one or more of the following reasons: </p> <ol> <li>To meet conditions of the lender or underwriter in a loan or sales transaction for a Cal-Vet, VA, or FHA-insured loan (often required after a determination by an engineer).</li> <li>To meet the requirements of an insurance underwriter for an earthquake policy.</li> <li>To upgrade the home to meet or exceed the home's wind and seismic safety standards to give the homeowner peace of mind.</li> </ol> <h1>What are Foundation Repairs and Retrofits?</h1> <p> Foundation repairs or retrofits are generally a pre-manufactured and "beefier" support system designed to provide <p><a href="http://www.onthelevelcontractors.com/content/view/20/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/9jI7SBbNn1g" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:00:43 +0000 http://www.onthelevelcontractors.com/content/view/20/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/5C_rea2x4Q8/ <script> window.addEvent("domready", function() { new iMask({ onValid: function(event, obj) {obj.setStyles({"background-color":"#cfc", "border":"1px solid #0c0"})}, onInvalid: function(event, obj) {obj.setStyles({"background-color":"#fcc", "border":"1px solid #c00"})} }); var exValidatorA = new fValidator("myform"); }); </script> <div style="text-align: center"> </div> <h1>Engineer Certifications and Affidavits</h1> <h2>Engineer Certification on Mobile Home and Manufactured Home Foundation Systems</h2> <div class="body-line"> </div> <p> On VA & FHA-insured loans, the foundation on all manufactured homes must meet a certain standard of structural stability and a professional engineer must certify this standard with a letter of certification with his stamp of approval The standard by which he assesses the foundation is determined by the HUD publication: THE PERMANENT FOUNDATION GUIDE FOR MANUFACTURED HOMES (PFGMH), dated September 1996. The Engineer's Certification generally identifies the home by its HUD Label numbers and states the type of foundation system that supports the home as well as addresses ventilation, dead loads, snow loads, wind loads, seismic loads and <p><a href="http://www.onthelevelcontractors.com/content/view/21/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/5C_rea2x4Q8" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:04:29 +0000 http://www.onthelevelcontractors.com/content/view/21/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/tFDCRmNEVG0/ <div style="text-align: center"> </div> <h1>Releveling and Reconditioning</h1> <p> What is releveling? The term is widely used to describe a readjustment of the undercarriage of the mobilehome/manufactured home. In many cases the home is decades old, was initially set-up imperfectly or other attached structures have been added to the home over the years when the home was out of level. Our primary goal is to provide the home with <b>equal distribution of weight-making sure each component is working optimally and in compliance with the original manufacturer's guidelines for weight bearing</b>. Older homes present unique situations because many homeowners have made improvements over the years, possibly when the home was not quite level. Obviously we don't want to create new problems with the roof, windows or plumbing by making aggressive adjustments if that is the case. Additionally, appurtenant structures may have been added when the home was out of level and <p><a href="http://www.onthelevelcontractors.com/content/view/22/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/tFDCRmNEVG0" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:25:52 +0000 http://www.onthelevelcontractors.com/content/view/22/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/E4jU7fP1h9c/ <div style="text-align: center"> </div> <h1>Drainage</h1> <div class="body-line"> </div> <p> Many of the manufactured home communities have been constructed on terraced plots (slippery slopes) or poorly compacted land with poor drainage, flood plains, etc. Even more problematic are low profile homes that have subterranean or pit sets. Because the exterior ground is higher than the ground beneath the home, improper grading and hydrostatic pressure can cause water to percolate beneath the manufactured home. In many cases the understructure is inundated with standing water. We offer drainage solutions that capture and divert the water so the understructure components are protected. We generally prefer to install an integrated drain system that works independently of a sump pump, but this is not always practical or possible. </p> <div class="img-gallery"> <div class="img-container"> <a href="images/moist_conditions_big.jpg" title="Moist Conditions" rel="lightbox[gallery]" class="pic_box"> </div> <div class="img-container"> <a href="images/puddles_of_water_big.jpg" title="Puddles of Water" rel="lightbox[gallery]" class="pic_box"> <p><a href="http://www.onthelevelcontractors.com/content/view/23/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/E4jU7fP1h9c" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:38:15 +0000 http://www.onthelevelcontractors.com/content/view/23/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/r5ZiPXM-8BM/ <div style="text-align: center"> </div> <h1>Vapor/Moisture Barrier (aka Varmint Barrier)</h1> <div class="body-line"> </div> <p> Vapor Barrier is the protective covering that protects and holds in the subfloor insulation. In older homes, it common to find breaches in the vapor barrier due to plumbing repair, plumbing conversion from plastic or galvanized to copper or intrusion of rodents into the insulation to nest. If the ground underneath the home is frequently damp or water intrusion is an issue, breaches in the vapor barrier can allow odors and moisture to enter into the walls and flooring. Since most mobile/home are pressed wood or particle board, a moist environment can created deformities and the eventual decomposition of the flooring material. If soft spots or warping have impacted the floors, the problems could be associated with a leak, trapped moisture beneath the home rising into the floors and walls or poor underfloor ventilation. Some of <p><a href="http://www.onthelevelcontractors.com/content/view/24/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/r5ZiPXM-8BM" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:40:43 +0000 http://www.onthelevelcontractors.com/content/view/24/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/y_tUbxvXF8k/ <div style="text-align: center"> </div> <h1>Insurance Repair (Xactimate Trained and Certified)</h1> <p> <b>ON THE LEVEL</b> General Contractors specializes in all phases of mobile and manufactured home repair, retrofitting, maintenance, upgrading remodeling and room addition. We will work with your insurance company to make sure the repairs are completed in a cost-effective and timely manner, we recommend <a href="http://www.chadofalltrades.com/" target="_blank"><b>Chad Of All Trades</b></a>. </p> <p><a href="http://www.onthelevelcontractors.com/content/view/25/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/y_tUbxvXF8k" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:41:06 +0000 http://www.onthelevelcontractors.com/content/view/25/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/12994pk38Wk/ <div style="text-align: center"> </div> <h1>Glossary of Terms</h1> <h4>ABS</h4> <p> Acrylonitrile butadiene styrene. Plastic material used in the fabrication of footers (pads) under manufactured homes and stabilizer plates for auguring ground anchors. </p> <h4>Appraisal</h4> <p> A report made by a qualified person setting forth an opinion or estimate of value of the property. The term also refers to the process by which this estimate is obtained often showing the basis for the appraiser's estimate. </p> <h4>Assessor's Parcel Number&mdash;APN</h4> <p> A number found in real property records. This number is assigned by a county to identify and track a particular piece of property. <a href="http://www.ciwmb.ca.gov/LEACentral/CIA/Office/APN.htm" target="_blank">This website</a> can provide individual information on counties in California. </p> <h4>Chassis</h4> <p> The steel trailer that carries the weight of the manufactured home. The entire transportation system includes the following subsystems: drawbar and coupling mechanism, frame, running gear assembly, and lights. </p> <h4>Chattel</h4> <p> Personal <p><a href="http://www.onthelevelcontractors.com/content/view/26/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/12994pk38Wk" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:42:33 +0000 http://www.onthelevelcontractors.com/content/view/26/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/idWCAt47UFg/ <h1> <div style="text-align: center"> </div> Manufactured Home Loans in Condo Park Communities</h1> <div class="body-line"> </div> Park communities represent the most popular setting for manufactured homes. For loan purposes, lenders generally require that the owner of the home also own the land upon which the home sits. Until recently the park also had to be classified as a owner-owned Subdivision or a Planned Unit Development in order for manufactured homes to qualify for FHA-insured loans.<br /> <br /> Many mobilehome parks and manufactured home communities began as land lease developments but as residents desired a greater control over their living situation and costs associated with their residences, many parks converted to resident ownership. Most of these used the process of the condominium conversion. Unfortunately, because of the classification, this property <p><a href="http://www.onthelevelcontractors.com/content/view/27/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/idWCAt47UFg" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:43:42 +0000 http://www.onthelevelcontractors.com/content/view/27/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/Y-tdok_95d4/ <div style="text-align: center"> </div> <h1>More Services</h1> <p> We represent a variety of manufacturers, so the homeowner and borrower have the option of selecting the best system for the soils condition of the understructure and for his price criteria. </p> <p> Generally, the process is as follows: </p> <ol type="a"> <li><b>Inspection:</b><br /> The home site and understructure are evaluated to determine the most cost effective system for the home and the soil condition. Since the retrofit permanent foundation system is designed to work in conjunction with the existing pier and pad system, we first must determine the structural integrity of the current components. The inspection generally takes no more than 45 minutes.</li> <li><b>Formal Bid:</b><br /> We will prepare a formal bid at the conclusion of the Inspection and have it returned no later than the next day. Our bids outline all expected costs including permits, system installation, filing with Housing <p><a href="http://www.onthelevelcontractors.com/content/view/28/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/Y-tdok_95d4" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:44:51 +0000 http://www.onthelevelcontractors.com/content/view/28/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/hN9SlxFdQTs/ <div style="text-align: center"> </div> <h1>Resources</h1> <!-- <p> <b>EARTHQUAKE INFORMATION</b> </p> <p> <a href="http://www.usgs.gov/" target="_blank">U.S. Geological Survey</a> </p> <p> <a href="http://www.scec.org/" target="_blank">Southern California Earthquake Center</a> </p> <p> <a href="http://www.scsn.org/" target="_blank">Southern California Seismic Network</a> </p> <p> <a href="http://www.seismolab.caltech.edu/" target="_blank">CalTech's Seismological Laboratory</a> </p> --> <h3>State Administrative Agencies - These agencies oversee all manufactured housing issues, installation and governance on a State-By-State basis.<br /> For a complete listing: <a href="http://www.hud.gov/offices/hsg/sfh/mhs/mhssaa.cfm">http://www.hud.gov/</a></h3> <h3>We have listed some of the most commonly used!</h3> <p> <b> Arizona:</b>&nbsp;&nbsp; <a href="http://www.dfbls.az.gov/omh.aspx" target="_blank">Department of Fire, Building and Life Safety</a> <br /> Robert L. Barger, Director<br /> Arizona Department of Fire, Building and Life Safety<br /> Office of Manufactured Housing<br /> 1100 West Washington, Suite 100<br /> Phoenix, AZ 85007-2935<br /> PH: (602) 364-1003<br /> FAX: (602) 364-1052<br /> Designee: Debra Blake<br /> Deputy Director<br /> PH: (602) 364-1022 <br /> <br /> <b> California:</b>&nbsp;&nbsp; <a href="http://www.hcd.ca.gov" target="_blank">Department of Housing and Community <p><a href="http://www.onthelevelcontractors.com/content/view/29/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/hN9SlxFdQTs" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:46:01 +0000 http://www.onthelevelcontractors.com/content/view/29/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/g2i5TmIlucc/ <div style="text-align: center"> </div> <h1>Testimonials</h1> <p> <b>Referral Letters</b> </p> <p> Click on these links to download letters of referral from companies that have worked with On The Level (letters are in PDF format). </p> <p> <a href="us_mshl-ca.pdf" target="_blank">Multi-State Home Lending</a> </p> <p> <a href="america_one.pdf" target="_blank">America One Mortgage Group</a> </p> <p> <a href="us_bank.pdf" target="_blank">U.S. Bank</a> </p> <p> <a href="pdfs/MP-Navigator-EX.pdf" target="_blank">Michael Clarke</a> </p> <div class="grey-box1"> Hi Janis! Debbie Nance here.... fantastic to find you on ActiveRain!<br /> <br /> &quot;I want to let everyone know that you and I have worked together for about 4 years on many FHA Reverse Mortgage Loans for senior homeowners. I can't count the number of happy clients that you and On The Level have helped for us. You have always been happy to advise my team about all things &quot;manufactured homes&quot;. Your expertise and patience make even the grouchiest old man to go along happily <p><a href="http://www.onthelevelcontractors.com/content/view/30/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/g2i5TmIlucc" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:46:48 +0000 http://www.onthelevelcontractors.com/content/view/30/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/TqBE1erONKY/ <script> window.addEvent("domready", function() { new iMask({ onValid: function(event, obj) {obj.setStyles({"background-color":"#cfc", "border":"1px solid #0c0"})}, onInvalid: function(event, obj) {obj.setStyles({"background-color":"#fcc", "border":"1px solid #c00"})} }); var exValidatorA = new fValidator("myform"); }); </script> <div style="text-align: center"> </div> <h1>Contact Us</h1> <div class="body-line"> </div> <p> 2982 Ora Avo Terrace <br /> Vista <br /> CA 92084<br /> Phone: 1-800-909-1110<br /> Fax: 760 727-6879<br /> Email: <a href="mailto:onthelevel@mac.com">onthelevel@mac.com</a> </p> <p> Thank you for your interest in <b>On The Level General Contractors</b>. For more information about our company and its services, please contact us through the following form. </p> <div class="contact-head"> (Fields marked in <span class="red-text">red*</span> are required.) </div> <form name="myform" id="myform" class="fValidator-form" action="joomla_contact.php" method="post"> <fieldset style="border: 1px solid #ffc400; width: 96%"> <legend style="font-size: 16px; color: #4b4b4b"><span style="font-weight: bold; font-family: Verdana,Arial,Helvetica,sans-serif">Please fill in the form details below</span></legend> <div id="form-container"> <div> <div class="name-red"> Name : </div> <div class="name-input"> <input name="name" id="name" class="fValidate['alpha'] input1" type="text" /> </div> <div class="form-line-space"> </div> <p><a href="http://www.onthelevelcontractors.com/content/view/31/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/TqBE1erONKY" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:48:06 +0000 http://www.onthelevelcontractors.com/content/view/31/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/QoqaUM7IRIQ/ <br /> <script> window.addEvent("domready", function() { new iMask({ onValid: function(event, obj) {obj.setStyles({"background-color":"#cfc", "border":"1px solid #0c0"})}, onInvalid: function(event, obj) {obj.setStyles({"background-color":"#fcc", "border":"1px solid #c00"})} }); var exValidatorA = new fValidator("myform"); }); </script> <div style="text-align: center"> </div> <h1>CONSULTATION/EXPERT SERVICES</h1> <div class="body-line"> </div> <p> Frequently manufactured home owners, dealers, manufacturers and lenders have issues that either require an intermediary consultant or a professional to troubleshoot problems created by a home installation, contractor malfeasance, homeowner neglect, or building department and permitting issues.&nbsp; </p> <p> <b>OnTheLevel</b> offers a full range of consultation services from understructure evaluations for purchasers, realtors and lenders in advance of a home&rsquo;s sale to expert witness testimony in a courtroom setting. Our specialties include:&nbsp; </p> <ol> <li>Understructure evaluations prior to home sale</li> <li>Identification of foundation type and installations</li> <li>Titling and registration to meet foundation requirements</li> <li>Building permitting issues</li> <li>433A issues</li> <li>Manufactured Home set-up problems</li> <li>Releveling and Re-calibration issues</li> <li>Insurance evaluations</li> <li>Manufactured <p><a href="http://www.onthelevelcontractors.com/content/view/32/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/QoqaUM7IRIQ" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 19:55:22 +0000 http://www.onthelevelcontractors.com/content/view/32/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/VV9dLeWnBRE/ <h1>Our Commitment to Privacy</h1> <div class="body-line"> </div> Our Privacy Policy was developed as an extension of our commitment to combine the highest-quality maintenance and retrofitting of mobilehome and manufactured home understructures services with the highest level of integrity in dealing with our clients and partners. The Policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site and our services. This statement will be continuously assessed against new business practices and our customers' needs.<br /> <br /> <b>What Information Do We Collect?</b><br /> <br /> When you visit our Web site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our <p><a href="http://www.onthelevelcontractors.com/content/view/33/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/VV9dLeWnBRE" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 14 Apr 2008 20:00:04 +0000 http://www.onthelevelcontractors.com/content/view/33/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/rivbtiuaX4s/ <h2>Installing the TUF-1. Abesco, Inc. and On The Level General Contracting, Inc. </h2> <object width="425" height="355"> <param name="movie" value="http://www.youtube.com/v/DNUDgSUiFjE&amp;hl=en"> </param> <param name="wmode" value="transparent"> </param> <embed src="http://www.youtube.com/v/DNUDgSUiFjE&amp;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed> </object> <br /> <br /> &quot;...every HUD Code manufactured home is built in a factory, under controlled conditions, and has a special label affixed on the exterior of the home indicating that the home has been designed, constructed, tested and inspected to comply with the stringent federal standards set forth in the code. No manufactured home may be shipped from the factory unless it complies with the HUD Code and receives a certification label from an independent third party inspector.&quot;<br /> <br /> <object width="425" height="355"> <param name="movie" value="http://www.youtube.com/v/VQcT0tz8twk&amp;hl=en"> </param> <param name="wmode" value="transparent"> </param> <embed src="http://www.youtube.com/v/VQcT0tz8twk&amp;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed> </object> <br /> <br /> This is why having a professional licensed contractors is a good idea! <br /> {flv}homestogo{/flv} <br /> <p><a href="http://www.onthelevelcontractors.com/content/view/34/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/rivbtiuaX4s" height="1" width="1"/> Administrator <support@caldiatech.com> Wed, 23 Apr 2008 01:31:29 +0000 http://www.onthelevelcontractors.com/content/view/34/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/8wnlGKqChgY/ <h1>For Sale By Us</h1> <div style="text-align: center"> </div> <br /> <br /> <div class="gradienttop"> <div class="gradientbot"> <h3>2002 Manufactured Home in Community of San Marcos, CA<br /> $225,000</h3> <ul> <li>1984 Model </li> <li>1,770 sq. ft</li> <li>Certified 433-A Foundation</li> <li>You own the dirt</li> <li>Huge walk-in master closet (about 120 sq. ft.)</li> <li>Lots of windows in the front</li> <li>Brand New Carpeting everywhere</li> <li>Brand New kitchen and bathroom floors</li> <li>New paint</li> <li>Beautiful Hutch in dining room</li> <li>Large open family room with wet bar</li> <li>Two Bathrooms</li> <li>Large laundry room</li> <li>Copper plumbing</li> <li>Cathedral ceilings</li> <li>Active community</li> <li>RV Parking</li> <li>Dishwasher is two years old</li> </ul> <a href="http://picasaweb.google.com/gardenman69/AudreySHouse?authkey=Gv1sRgCKK759KbsZ_0CQ&feat=email#" target="_blank">See Pictures Here!</a> </div> </div> <br /> <br /> <div class="gradienttop"> <div class="gradientbot"> <h3>2002 Manufactured Home in Beach Community of Leucadia &ndash; Perfect Beach Getaway.</h3> Vacation Escape or for someone looking for a down-sized boutique lifestyle. One <p><a href="http://www.onthelevelcontractors.com/content/view/35/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/8wnlGKqChgY" height="1" width="1"/> Administrator <support@caldiatech.com> Tue, 29 Apr 2008 01:23:50 +0000 http://www.onthelevelcontractors.com/content/view/35/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/EYzXXOsc7zQ/ <p> Thank you for your inquiry. One of our staff will respond to you within the next 24 hours regarding your request. </p> <p> --On The Level Contractors </p> <p><a href="http://www.onthelevelcontractors.com/content/view/36/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/EYzXXOsc7zQ" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 5 May 2008 19:31:48 +0000 http://www.onthelevelcontractors.com/content/view/36/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/YK9TqMRy-EU/ {kl_php} include(&quot;conventional_loan.php&quot;); {/kl_php} <p><a href="http://www.onthelevelcontractors.com/content/view/37/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/YK9TqMRy-EU" height="1" width="1"/> caldia <steve@caldiatech.com> Thu, 24 Jul 2008 13:18:02 +0000 http://www.onthelevelcontractors.com/content/view/37/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/uC9ajSq_w0k/ <h1>FACTORY BUILT HOUSING</h1> <p> <br /> While both types of housing are <p><a href="http://www.onthelevelcontractors.com/content/view/38/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/uC9ajSq_w0k" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 3 Nov 2008 21:21:29 +0000 http://www.onthelevelcontractors.com/content/view/38/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/ZEbeaG_IfL8/ <h1>Reverse Mortgages are Becoming Popular in America <br /> </h1> <p> <a href="mobile-home-foundation/fha--reverse-mortgage-loans/fha--reverse-mortgage-loan-compliance" title="Reverse Mortgages" onclick="javascript:pageTracker._trackPageview ('/outbound/www.onthelevelcontractors.com');">Reverse Mortgages</a> are becoming popular in America. The U.S. Department of Housing and Urban Development (HUD) created one of the first. HUD&rsquo;s Reverse Mortgage is a federally-insured private loan, and it&rsquo;s a safe plan that can give older Americans greater financial security. Many seniors use it to supplement social security, meet unexpected medical expenses, make home improvements, and more. You can receive free information about reverse mortgages by calling AARP at: 1-800-209-8085, toll-free. Since your home is probably your largest single investment, it&rsquo;s smart to know more about reverse mortgages, and decide if one is right for you!<span id="more-92"></span> </p> <p> <b>1. What is a reverse mortgage?</b> </p> <p> A reverse mortgage is a special type of home loan that lets a homeowner convert a portion of the equity in his or her home into cash. <p><a href="http://www.onthelevelcontractors.com/content/view/39/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/ZEbeaG_IfL8" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 24 Nov 2008 21:51:57 +0000 http://www.onthelevelcontractors.com/content/view/39/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/8mdJsdh7JWo/ <div style="text-align: center"> </div> <h1>Lenders-Realtors</h1> <span class="hl1"><b>OnTheLevel</b></span> is a one-stop shop for issues connected with manufactured homes and foundation requirements respective to the loan and sales process.&nbsp; From the engineer's certification letter aka affidavit to retrofits, or even to troubleshoot difficult title questions, we can be an asset to your real estate sales or loan processing team.&nbsp;&nbsp; With a consortium of professionals with over five decades of experience in the manufactured home industry, we understand both the nuts and bolts of manufactured home foundations as well as the time sensitivity often associated with sales transactions and loan processing.&nbsp;&nbsp;&nbsp; Our goal is to meet your closing timelines with seamless execution.<br /> <br /> Our services include:<br /> 1.&nbsp;&nbsp;&nbsp; Foundation evaluations and engineer's certifications for loan or sales transactions, especially those relative to <a href="http://www.onthelevelcontractors.com/engineer-foundation-inspection/engineers-certification-manufactured-homes/engineers-certification" target="_self" title="FHA-insured and VA loans">FHA-insured and VA loans</a>.<br <p><a href="http://www.onthelevelcontractors.com/content/view/40/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/8mdJsdh7JWo" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 2 Feb 2009 16:36:04 +0000 http://www.onthelevelcontractors.com/content/view/40/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/mZ7R3EKIKOw/ <div style="text-align: center"> </div> <h1>Homeowners</h1> <span class="hl1"><b>OnTheLevel</b></span> has been working directly with the manufactured home homeowner for over twenty years, solving specialty understructure issues relative to repair, sales and loan transactions.<br /> <br /> 1.&nbsp;&nbsp;&nbsp; In a real estate sales transaction, we can determine which <a href="http://www.onthelevelcontractors.com/permanent-foundation-manufactured-home/retrofit-foundations/retrofit-services-and-foundation-upgrades" target="_self">foundation repairs or upgrades</a> are necessary to meet the conditions of a loan or sales contract.&nbsp; Typical conditions might be:&nbsp; (Underline click on Retrofit Services and Foundation Upgrades)<br /> <ol type="a"> <li>Proof of an existing permanent foundation or installation of a retrofit foundation in order for the Home Buyer to procure an FHA-insured loan. </li> <li>Installation of an Earthquake Resistant Bracing System in order to meet insurance requirements for coverage for the Home Buyer.</li> </ol> <br /> 2.&nbsp;&nbsp;&nbsp; These days most loans on manufactured homes are likely to be either an FHA-insured loan whether it is a purchase, a refinance or a <p><a href="http://www.onthelevelcontractors.com/content/view/41/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/mZ7R3EKIKOw" height="1" width="1"/> Administrator <support@caldiatech.com> Mon, 2 Feb 2009 16:57:36 +0000 http://www.onthelevelcontractors.com/content/view/41/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/GfBENJ_kNCk/ Manufactured homes are the only type of housing units that that they can either be titled as personal property (chattel) or real property. If you are looking for a loan and you own the land below it, it is critical that the home is titled as real property so that the lender can have security interest both the home and land. There is the old joke that you&rsquo;ll pull your &ldquo;trailer&rdquo; out in the middle of the night and haul it down the street and they will be left holding the bag. The truth is that until the titling is secure, your manufactured home is treated just like a car in the eyes of a lender.<br /> <br /> And to make it worse, titling for manufactured homes is complicated by a lack of federal standards. Individual states, therefore, have devised their own unique laws and his has created diverse approaches to <p><a href="http://www.onthelevelcontractors.com/content/view/42/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/GfBENJ_kNCk" height="1" width="1"/> Administrator <support@caldiatech.com> Thu, 23 Apr 2009 12:42:31 +0000 http://www.onthelevelcontractors.com/content/view/42/ http://feedproxy.google.com/~r/OnTheLevelContractors/~3/2MXFwXfnRiA/ <h1>Need a Loan?</h1> <p> The lending environment for manufactured homes is trickier now that Taylor Bean and Whittaker have been shut down. The reason is that many mortgage brokers used TB&amp;W as their warehouse line. It is estimated that there are more than 30,000 borrowers that may be out in the cold. Make sure if you are dealing with a broker on a loan that they have a back-up resource to place your loan. Don't be afraid to ask questions. </p> <p> If you have not yet chosen a lender, you might want to consider using a manufactured home specialist right from the beginning. The following lenders specialize in manufactured home loans and understand the unique requirements of a manufactured home loan:<br /> <br /> <b>For FNMA or FHA-insured loans:</b> <a href="http://www.themanufacturedhomelendingsource.com" target="_blank"></a> </p> <ul> <li><a href="http://www.themanufacturedhomelendingsource.com" target="_blank">www.themanufacturedhomelendingsource.com</a></li> <li><a href="http://www.mh-lending.com" target="_blank">www.mh-lending.com</a></li> <li><a href="http://www.multistatehomelending.com" target="_blank">www.multistatehomelending.com</a> </li> </ul> <p> <b>For Reverse mortgage loans: </b> <p><a href="http://www.onthelevelcontractors.com/content/view/43/">Read more...</a></p><img src="http://feeds.feedburner.com/~r/OnTheLevelContractors/~4/2MXFwXfnRiA" height="1" width="1"/> Administrator <support@caldiatech.com> Wed, 29 Apr 2009 18:45:00 +0000 http://www.onthelevelcontractors.com/content/view/43/