Chapter 2 of 16
Gathering title and ownership documents
The paperwork that most often kills a sale, start this first, because it takes the longest.
2 min read
Do this before you do anything else, including cleaning. Title problems are the leading cause of manufactured-home sales falling apart, they are almost always fixable, and fixing them takes weeks or months. Every week you spend on presentation while a title problem sits undiscovered is a week wasted.
Locate the certificate of title for every section. A double-wide has two; a triple-wide has three. If any is missing, begin the replacement process with your state agency immediately, it is routine and it is slow.
Then check for liens. A loan you paid off years ago may never have been formally discharged, and an undischarged lien will stop a closing dead. Contact the lender and get a written discharge or release. If the lender no longer exists, which happens, your state agency can advise on the process, and that process is not quick.
Verify that the name on the title matches your legal name exactly, and that it matches your identification. Marriage, divorce, and inheritance all commonly leave a mismatch. If you inherited the home and the estate was never formally settled, you cannot sell cleanly until it is, this is the single most time-consuming version of the problem and the one most often discovered too late.
Also assemble: the bill of sale from when you bought, your setup and anchoring inspection if you have it, the data plate details and HUD label numbers, warranty documents, and records of major work. Buyers, lenders, and insurers all ask, and having them ready shortens your sale.
Key points
- Start here, before presentation, this is the long-lead item.
- One title per section. Replace missing ones immediately.
- Get written discharges for every lien, including long-paid ones.
- An unsettled estate must be resolved before a clean sale is possible.
Watch out
Do not assume a paid-off loan means a discharged lien. They are separate events, and the second frequently never happened.
Questions to ask
- Do I have a title for every section of the home?
- Is every past lien formally discharged in writing?
- Does the name on the title match my identification exactly?
- Can I produce the HUD label numbers and data-plate details?