Chattel Mortgage Form For Mobile Home In Miami-Dade
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Securing financing for a mobile home in Florida can be challenging due to limited options. Traditional mortgage lenders may be hesitant to provide loans for mobile homes, leading buyers to explore alternative lending sources. These may include specialized manufactured home lenders, credit unions, or home manufacturers.
Owners of these homes must complete the Florida Department of Revenue form Declaration of Mobile Home as Real Property - DR-402 and bring the completed form to the Property Appraiser's Office.
If you own the land and permanently affix your mobile home, you may declare the mobile home as real property. To declare your mobile home real property, you must obtain a form DR-402 (Declaration of Mobile Home as Real Property) from the Property Appraiser's office.
In Florida, real estate agents can sell mobile homes that are considered “real property,” meaning the home is permanently affixed to land owned by the homeowner. A separate license is required to sell the home if the mobile home is considered personal property (not affixed to the land).
Definition: Real property in Florida refers to land and anything permanently attached or affixed to it.
Florida law requires the property appraiser to list mobile homes as real property based on the ownership of the land and the mobile home, and whether the mobile home is tied down and connected to utilities.
Mobile homes are required to be titled. The exception is mobile homes which are declared as real property and the title has been retired.
Sign a completed form HSMV 82139 Notice of Lien. Submit the completed form HSMV 82139 and a check (see fees) to the Tax Collector's office. The lien will be added to show you as lienholder.