Integrity Custom Built

CA LIC #1150717

(Continued) FHA 203(h) Disaster Loan

To qualify for this program, please ensure you meet the following requirements:

- Your primary residence in Altadena must have been destroyed or rendered uninhabitable by the wildfire.
- Your home must have been located within the federally declared disaster area as identified by FEMA.
- You need to apply within 12 months of the disaster declaration date, which, for Altadena, is by January 8, 2026.
- Documentation of your loss is required, including insurance claims, FEMA letters, or city inspection reports.

It's important to note that even if your credit score is not perfect or your financial condition has been adversely affected by the fire, the 203(h) program offers greater flexibility compared to traditional mortgages. FHA-approved lenders are instructed to consider disaster-related circumstances when evaluating credit and income.

In addition to financing options, we want to highlight the benefits of using manufactured homes from Menu Homes for rebuilding in Altadena. Traditional site-built construction can take 12 to 18 months or longer, with rising costs due to labor shortages and material delays. Manufactured homes provide a quicker and cost-effective alternative.

Our homes are constructed off-site in climate-controlled conditions and are installed on your property with permanent foundations that comply with FHA and HUD guidelines. Notably, our new models feature:

- High-end design and smart home technology
- Fire-resistant upgrades, including Class A fire-rated roofing, noncombustible siding, and dual-pane tempered glass windows
- Energy-efficient features like smart thermostats and low-E windows

These homes are built to last and meet stringent HUD standards. They are eligible for FHA 203(h) financing as long as they are placed on land you own and installed on a compliant permanent foundation. Our team will manage all necessary inspections, certifications, and title conversions for FHA loan approval.

If you still own the land where your home was lost, you can utilize the FHA 203(h) loan to purchase a new manufactured home and rebuild on-site. Menu Homes will assist with:

- Debris removal coordination (if applicable)
- Permit applications with Los Angeles County
- Grading, trenching, and site preparation
- Utility reconnection or new installations (power, water, sewer)
- Foundation engineering and installation
- HUD certification and lender-required inspections
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(Continued) Property Potential with Manufactured Homes and ADUs

Senate Bill 9 (SB 9). Key Provisions of SB 9
Allows property owners to subdivide a single-family lot into two separate parcels.
Permits the construction of up to two residential units per lot, meaning a single-family property can be converted into a four-unit property.
The approval process is ministerial, meaning local governments must approve compliant projects without discretionary review.
Allows homeowners to develop rental housing without requiring a lengthy rezoning process.
Does not replace existing Accessory Dwelling Unit (ADU) laws, meaning ADUs can still be added in many cases.
The Role of ADUs in SB 9 Development
While SB 9 provides an opportunity to increase housing density, Accessory Dwelling Units (ADUs) remain one of the easiest and most effective ways to add new housing units in California. Unlike SB 9 projects, which can sometimes face local opposition and zoning challenges, ADUs benefit from state laws that prevent cities from imposing restrictive barriers. As we strive to address the housing crisis, understanding the potential of these homes can be a game-changer.

Recent legislation has reduced obstacles for housing development by:

- Eliminating parking requirements in most cases
- Removing affordability mandates and rent control restrictions
- Allowing ministerial approval, which means projects can proceed without public hearings

When the government steps back, housing can be developed more efficiently. Accessory Dwelling Units (ADUs) offer a flexible, affordable means for homeowners and investors to enhance rental income and property values while remaining compliant with local regulations.

Here’s how factory-built manufactured homes can further maximize the potential of SB 9 and ADU projects:

- Faster Build Times: Manufactured homes are produced in a controlled factory setting, minimizing delays caused by weather conditions and expediting the installation process.
- Lower Costs: Unlike traditional site-built homes, which often exceed budgets due to fluctuating labor and material costs, manufactured homes offer a high-quality, cost-effective alternative.
- Customizable Designs: These homes come in various configurations, including both single-section and multi-section models, making them suitable for duplexes and ADU additions.
- Energy Efficiency: New manufactured homes are designed to meet or exceed California’s Title 24 energy efficiency standards, effectively lowering utility expenses for both homeowners and tenants.
- Streamlined Permitting: Manufactured homes adhere to HUD code standards, which can lead to fewer permitting delays compared to conventional construction methods.

As we explore innovative housing solutions, integrating factory-built manufactured homes into our strategies can significantly catalyze the development of affordable and efficient housing options.
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