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Is there any federal tax lien on the mobile home?

Well, I am long time lurker here. I am planning to purchase a mobile home soon. Now my doubt is how to know whether there is a federal tax lien on the home?

colin's picture
colin | Joined: June 30, 2006 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

Mobile home without land is treated like a car. As much as I know, there are no lien recorded on title of a mobile home except the lender's liens.

You can check the seller's title and come to know what liens are there on the title. At the time of purchase, while you take a new title transfer to the title transfer desk, they will be able to tell you about any outstanding property taxes and won't let you transfer the title until the outstanding taxes are paid.

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blue's picture
blue | Joined: October 21, 2005 09:17 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

You can make a title search with the Department of Motor Vehicles. Federal liens can be placed on all the real estate and personal property.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Before buying a mobile home you must contact the County Clerk's/Treasurer's office to ensure that there is no tax bills or lien against the home.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Purchased mobile home and have not been given a certificate of title, and there is a balance owed on home

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savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

How did you get the ownership of the mobile home? Was it given to you through a quitclaim or a warranty deed? If the title was transferred through such a deed, you need to take the notarized deed to the Dept. of Motor Vehicles and get a new title issued in your name.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

im purchasing a mobile home by making payments directly to the couple I am buying from. I just realized the copy of the title we recieved (we dont get the original until paid off) is not in either his nor her name. what do I do?

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jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Amanda,

How did you come to know the title is not in the couple's names? If it is true then who is the actual owner of the property? You should immediately stop making the payments to the couple. If you entered into any kind of agreement with them, where they claimed they have the free title to the property, you can sue them for providing you with false information. This is one kind of a fraud.

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lee.elliot61's picture
lee.elliot61 | Joined: September 13, 2009 02:07 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Amanda,

do not take any risk. it is good that you have identified it. It is very much clear & evident that they are not owner of proerty. now you should think about how to get money back

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I lost the title of my mobile home, how can I get a new one?

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jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Austria,

You need to contact with the Department of Motor Vehicles in your state. They will verify if the property is actually owned by you. You will be required to submit some proofs like you driving license, etc. in support of your ownership claims. Once the DMV is sure you are the owner of the mobile home, they will issue a duplicate title in your name for your mobile home.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am thinking of buying a double wide on 3 acres ;from the bank-they can't seen to locate the title.my question is lwhat do I need a title for on a cash sale-and how lwould I go about securing a title?

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jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi patsy,

You need the title to prove you have ownership rights to mobile home. It is very crucial to have the title in your name. Otherwise, you will find it difficult to prove your ownership in case any issues arise regarding the property title. It could be purchasing the property with cash. But it does not eliminate the need for a clear title to the property. Whoever you are buying the property from has to transfer the title to you. If the seller has lost the title, you should contact the Dept. of Motor Vehicle regarding this before purchasing the home.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We are currently trying to sell a mobile home that has been in my family since 1975 and the original title was lost in a house fire last year. The title company has been unable to locate the mobile in any records and is willing only to insure the land but not the house. Is there anything else we can do to satisfy the title company?

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savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

If your mobile home was lost in a house fire last year, you can try and obtain a duplicate title on the home. You can contact the Department of Motor Vehicles and check out the procedure of how you can get a duplicate title. Generally, the owner has to file a certain form and then pay some amount of fees to obtain a duplicate title for the mobile home. If you can get a new title on the property, I believe, the title company will be ready to insure the home.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We are planning on buying a double wide, and mak monthly payments to the current owner, but the present owner wants to hold the title until its is all paid off. A real estate owner told me that I should get the title even if we are making payments, what should I do.

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savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

If the current owner signs over the title to the mobile home to you, he will release all his rights to the property. He's unlikely to do that until you pay him off in full. At the same time, if you pay off the mortgage in full, what is the guarantee that the owner will sign over the title to you? Therefore, you should contact an attorney and get an agreement drafted by him. The terms of the agreement should determine when and how the property title should be transferred to you once the owner is paid in full.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I'm thinking about buying a handyman special mobile home, but the owner says they never had a title. So i was wondering if there was any way that we could apply for a new title, kinda like when you buy an old car with no title?? any help in this would be great.. $500 is all they want so it could go fast, I would like to take it if there is a way that I can have a title.

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jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi chris,

If the title to the mobile home is lost, I believe you can get a new title. You need to contact the local office of the Department of Motor Vehicles to know how you can get the title in your name. They should be able to tell you what papers and forms you need to fill out and what proof of ownership you need to produce to get a new title issued in your name.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my dad purchased a mobile home on a foundation in pennsylvania and has a recorded deed with the county , it is taxed as residential code, however, the old owner has a title with the dept of motor vehicles. We want to sell the property with the home with all its improvements and attachments, however, bank financing with a title, especially someone else's wont work . we want to sell it with fha availability. 20 yrs since purchased, the mobile home company and the old owners wont help and we feel it is something easy that we can do ourselves.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

is it possible to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] a mobile home when ther is a fed. tax lien on it

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi dnat,

It will better if you could discuss your situation with your real estate attorney and take his opinion in this regard.

To james,

Unless you pay off the federal tax lien, you won't be able to get a refinance for your mobile home.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi.
We have 3/4 of an acre in Wyoming County, PA
and want to put a double wide on it. I heard of a
20/20 law which states the home can't be placed unless
there is unused land 20 feet on all sides.
Is this correct? And if so, does this apply to all counties in PA?

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Sarah,

It will be better if you could contact an attorney and take his opinion in this regard. He will better guide you in this matter.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I purchased a mobile home and paid off the loan but was in someone elses name now how do I get it in my name?

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi wundrnwink!

Welcome to forums!

You will have to ask the present owner of the property to sign a warranty deed and transfer the property to you.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I need to refinance property with equity in it, to pay income tax owed, but has federal tax liens, so am prevented from even trying. Property has high interest of 7.65%.
I need to refinance at a lower rate elsewhere.
Propery (has remodeled mobile home and barn on property that is not mortgaged,) considered vacant land. How do I get a loan to pay taxes with fed tax lien preventing it?

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi linda!

Welcome to forums!

You can contact a lender who offers personal loans and check out if he can help you in this regard.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

we received the title of our manufactured home and had not paid off loan we still have it the loan company said never mind they made out a new title can that be done

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi elaine,

Unless the mortgage loan is paid off, the lender won't be able to give you a free and clear title. You should clarify the whole matter with the lender and if required take the help of a real estate attorney.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

IS THERE FEDERAL TAXES DUE WHEN SALE A MOBILE HOME ,THAT IS not land owned? DO I REC A 1099 form? PLEASE HEIP

THS

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Taylor,

You can get in touch with a tax professional and get to know whether or not any federal taxes will be due at the time of mobile home sale.

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