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surrendered title on manufactured home

8 years ago we purchased a home on a finished basement. 2 yeas ago we tried to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] our home and our mortgage company all of a sudden realized our home was a manufactured home, how they missed that 8 years ago is beyond me. We went months trying to figure out where the VIN#'s were as we were told we needed them to find out if the title was surrendered or not. We never recieved a title when we purchased the home, so no title will be found in our name. The previous owner states she doesnt remember anything about a title, that her bank must have had it. We have even tried with another mortgage company and they said the same thing. between the 2 mortgage companies, we spent 15, months trying to refinance. We finally gave up only to be told that it didnt matter, that the tax assessment office considers our home to be a home on a finished basement. Now we put our house up for sale, have a buyer and we have found a new home and here we go again with the surrendering of the title. This is a 1990 home and has been on a finished basement the entire time. I have already tried PA DOT, of course nothing shows in our name as we never had a title. Does anyone have any idea what we can do?

shane's picture
shane | Joined: December 3, 2007 01:41 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

This document tells you how to obtain a real property title for a manufactured home in Pennsylvania.

https://www.efanniemae.com/sf/guides/ssg/relatedsellinginfo/manufachousi...

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 03:37 | Post subject:

justame81's picture
justame81 | Joined: March 9, 2011 06:12 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Thanks for the info, but when we purchased our home 8 years ago, we and/or our mortgage didnt get a title from the sellers, so I do not know how I can cancel or surrender or even search for a title that would not have my name on it. When we purchased the home, it was listed as a ranch home on property, so somehow it never came up as a manufactured home, so there were no title issues then. When searching, wouldnt the original owner have to do that?

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 03:37 | Post subject:

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

It is the original owner who might have to do it. However, better contact a real estate attorney and take his opinion in this matter.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 03:37 | Post subject:

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

There shoudl be a metal plate somewhere on the outside of your home which will have the VIN number. Also, is the home taxed as real property? If so, the title was already surrendered and the auditor's or recorder's office should have that info.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 03:37 | Post subject:

justame81's picture
justame81 | Joined: March 9, 2011 06:12 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

I believe I have my problem solved. I went to our counties recorder of deeds and he was able to find out that there was no title, that it is has been considered real-estate since 1990. He sent me a letter stating all of this. He was awesome! All within a day and a half!

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

Good to know that! :-) Congratulations...

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

I have the same problem in Iowa-only the last lender who presumably had the title last can not be located on line. The first lender would not talk with me about the situation. Once and if the title gets surrendered it can be merged with the real property and the problem solved for good. I can not get the title I have the vin # for the home

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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 Guest!

Welcome to the forums!

In this complicated situation, it will be better to get a real estate attorney to handle the matter for you. He will look into the matter and let you know what actions to take.

Feel free to ask if you've further queries.

Sussane

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