How do I prove my home is a modular and not a mobile home?

I am currently trying to sell my home which is a modular home. The bank who is financing the buyers of my home keep asking for a owner’s certificate/title certificate. I have researched through my local assessment office and PA dept of transportation and I am unable to find any type of title for my modular home. Both of the previous owner’s are deceased. My home is permanently affixed to a foundation and crawl space and has been that way since it was built in 1974. The structure of my home is all lumber and there is no steel chassis or axles underneath of it like a mobile would have. Is there any way I can prove to their lender that my home is not a mobile home?

By | 2013-08-26T17:18:57+00:00 August 26th, 2013|Mortgages Home Loans Interest Rate|5 Comments

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5 Comments

  1. realtor.sailor August 26, 2013 at 9:01 PM - Reply

    If it is a true modular home, you won’t have a title. A modular home is built to the same standards as a site built home. Your local building department should (archives) have a copy of the building permit and subsequent inspections. The appraiser for the lender should be able to confirm it’s a modular home.

    realtor.sailor

  2. Landlord August 26, 2013 at 8:02 PM - Reply

    The tax records should show it as a modular. The building department will also have record of the permits obtained for the foundation and home.

    You HAVE to produce your title, a copy should be at the court house.

  3. James Y August 26, 2013 at 7:42 PM - Reply

    A modular in most cases are 2 half’s put together. A mobil home is a single unit very small hallways.

  4. Splash Frog ♥'s Big Brother UK August 26, 2013 at 6:56 PM - Reply

    Get a certified home inspection. They’re about $200. The home inspector can clarify what type of structure it is.

  5. wizjp August 26, 2013 at 6:11 PM - Reply

    If they are not accepting the lack of wheels and attachment to a foundation, you either need to go back to PenDot, get a lost title issued and surrender it AGAIN or get a statement from the county assessor’s office that the property is being assessed and classified as real estate and not personal property.

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