Repo Mobile Homes With Land
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FAQ
Typically, a mobile home has to be built after 1976 to qualify for a mortgage, as we'll explain below. In this case your loan would work almost exactly the same as financing for traditional ?stick-built? houses.
However, California only requires you to title the vehicle in certain situations. If you have a mobile home not attached to a permanent foundation, it will need to be titled and registered annually. All of the titles must be obtained by the California Department of Housing and Community Development (HCD).
In many cases, a foundation certification is required on a manufactured home to verify that the foundation is present, permanent, and functional. A permanent foundation is one that is ?constructed of durable materials (concrete, mortared masonry, treated wood) and be site built?.
Pier and Beam Foundation This is one of the most popular types of foundations for mobile homes. Pier and beam foundations are constructed with anchors that hold your home down and steel straps that connect them to the frame's beams, which are typically made of concrete. The beams are fixed to a concrete slab.
How do I elect my home as real property? By default, all manufactured homes are personal property unless elected otherwise on a completed Application for Statement of Ownership accompanied by the applicable fees and recorded with the County Clerk.