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A chattel mortgage is a loan for a manufactured home or other movable piece of personal property, such as machinery or a vehicle. The movable property, called ?chattel,? also acts as collateral for the loan.
A manufactured or mobile home that is or may be used for residential purposes and is permanently attached to land or connected to utilities must be assessed as an improvement to real property to the owner of the land, unless such home is located on a rented space in a manufactured home park.
?Titling a mobile home or a piece of special mobile equipment (SME) is not required by Maryland law. However, at any time while you own a mobile home over 35 feet in length or an SME, you may obtain a title for it.
If your mobile home is considered real property, you may be able to get the following types of mortgages: Conventional loan. These privately funded and insured mobile home loans in Florida offer competitive interest rates, but often require a good credit score, a low debt-to-income ratio, and about 20 percent down.
The rights of mobile home residents are protected by the Maryland Mobile Home Parks Act of 1980. Before you buy. Unless you own a piece of property that you want to put your mobile home on, you'll have to rent space at a mobile home park, or buy a mobile home that is already in place at a park.
Mobile homes are assessed as improvements to real property only if (1) they are used or can be used for residential purposes and (2) are permanently attached to land or connected to utility, water, or sewage facilities.
The rights of mobile home residents are protected by the Maryland Mobile Home Parks Act of 1980. Before you buy. Unless you own a piece of property that you want to put your mobile home on, you'll have to rent space at a mobile home park, or buy a mobile home that is already in place at a park.
A manufactured or mobile home that is or may be used for residential purposes and is permanently attached to land or connected to utilities must be assessed as an improvement to real property to the owner of the land, unless such home is located on a rented space in a manufactured home park.