Home sale issue...

Mike McCall said:
Can they find the title for the half you do have the VIN for???
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Nope. That is our main problem. We don't understand it. Two different notary's traced the number, and nothing shows up in the system at the DMV. It seems to be coming down to, if we can get to the numbers on the frame, we can get a tracing of them on paper and take pictures of them, and supposedly they should issue us new titles from that.

Again, this involves foundation/block removal. What a bunch of bureaucratic baloney...
 
katz said:
Nope. That is our main problem. We don't understand it. Two different notary's traced the number, and nothing shows up in the system at the DMV. It seems to be coming down to, if we can get to the numbers on the frame, we can get a tracing of them on paper and take pictures of them, and supposedly they should issue us new titles from that.

Again, this involves foundation/block removal. What a bunch of bureaucratic baloney...
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Geez. I thought I saw where in Penn. it's DOT rather than DMV who might be able to help. Have you tried them?
 
Mike McCall said:
Geez. I thought I saw where in Penn. it's DOT rather than DMV who might be able to help. Have you tried them?
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Yes, we are in Pennsylvania, and it is PennDOT who we are dealing with. Maybe I misspoke earlier, lol. Either way, it is still a red tape agency. And we have also been getting different answers depending who you talk to that day. They aren't even completely clear on their own procedures.
 
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The DMV is probably a sub agency to the DOT. At least officially. I think it's that way here. At any rate if it was me I'd already be looking at knocking out a block or two. Are they standard cinder blocks?
 
I'm sorry to say they're probably thinking the panel could be removed and reinstalled in a different mobile home (it happens) so they're requiring the VIN off the frame instead. Sucks, but it looks like you're back to that.
 
Don't forget, government agencies are not here to help us. They're here to enforce the law. The only way you would be able to get around it would be private financing. But that would still the the problem in place for the next transaction.
 
Markverhyden said:
Don't forget, government agencies are not here to help us. They're here to enforce the law. The only way you would be able to get around it would be private financing. But that would still the the problem in place for the next transaction.
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Mark, you're on top of this! Do you have past experience? that is exactly what the last Realtor suggested - if the buyer could get a local/private bank to finance, all would be good. However, as you suggested, it's just kicking the can down the road for future problems for the new owner.

Note to forum members; Would anyone on here be interested in privately financing a 195k loan? lol.

1982 modular/double wide, many upgrades on 17 acre wooded lot. Country setting, population 1000.
 
katz said:
Mark, you're on top of this! Do you have past experience? that is exactly what the last Realtor suggested - if the buyer could get a local/private bank to finance, all would be good. However, as you suggested, it's just kicking the can down the road for future problems for the new owner.
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I didn't sleep at a Holiday Inn Express last night. LOL!!! But I do have a BS in Finance and an MBA. By private financing I'm referring to a source that does not have shareholders. Any financing source that has shareholders will be obligated to adhere to a number of publicly accepted lending practices. Not necessarily because it's a statutory requirement. But because if they "don't go with the herd" they'll probably loose a civil lawsuit. A common method is to use privately owned financial resources. As long as they don't violate Federal or State statutes related to race, gender, blah, blah, blah, no problem. Loans from family is one example. Various secured balance sources like trusts, IRA's, 401K's, and/or investment accounts may also work. Depends on the institution.

But don't discount the title issue. Unless they pass a law which includes retroactively addressing this issue this will not go away. I wouldn't put that in the bank. That liability will impact the sale price.

katz said:
Note to forum members; Would anyone on here be interested in privately financing a 195k loan? lol.

1982 modular/double wide, many upgrades on 17 acre wooded lot. Country setting, population 1000.
Click to expand...

Hmm..... 17 acres? Pennsylvania is oil country. What about mineral rights? I'm actually very serious about that, so you should also include that in the equation.
 
Markverhyden said:
Hmm..... 17 acres? Pennsylvania is oil country. What about mineral rights? I'm actually very serious about that, so you should also include that in the equation.
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Not sure - I will check into this, never heard of it talked about in this area. This is near York, PA, York/Lancaster county. About 4 miles from the Susquehanna river.
 
I recently went through something VERY similar back in 2016 (oct 2016) when I bought my first home. It's a double while on a fixed foundation with all equipment removed that would "allow" the house to be moved.

Had one hell of a time with this exact same thing. As long as the home is titled as a vehicle, you'll almost never be able to get a bank to loan money out to buy it.

This home was a foreclosure, and no one knew where the the title was. IIRC the DMV was involved in getting a "copy" or "reissue" of the title to the home which was then "retired" and the home itself was absorbed into the deed for the land that it sits on and is now considered real property and not a "mobile home".

You need to get the title, and then you need to have it "retired" and absorbed into the deed for the land. After I did this, my bank had no problems doing a mortgage for me.

When I get home I can take a look in my packet of papers to see what the form is I needed to file with the DMV. IIRC you'll need the "vin numbers" which are usually on one or two plates attached to the house. I think without those there isn't much you can do except somehow find the original title or sell the home for cash.
 
My "information" for my house is actually on a "sticker" down under the kitchen sink on the back cabinet wall.

I did have a hell of a time fighting this. My post might make it seem like it was a pretty smooth process, but I had to fight the realtor pretty hard who was a bit argumentative and kept insisting it was just my lender being unreasonable and that I just needed to find another bank. It took several weeks and a lot of pushing the realtor to get things moving.

Actually now that I think about it, I think the realtor was able to get the title himself after I fought him enough (from the agency that foreclosed on it) and perhaps the DMV was involved in simply retiring the title and absorbing it into the deed for the land. I guess I'll have a better idea when I figure out what form it was I filed.
 
OK, so the Pennsylvania Housing Finance Agency is (PHFA) the place that had the title to the foreclosed home I was have a hassle buying. The previous owners foreclosed, and when I went to buy it no one knew where the title to the home was . PHFA should have had it... but didn't know where it was. I think I did go down the route of having the DMV help, but I think that ended up being somewhat of a dead end. I ultimately told my realtor that he needed to get it straightened out or reimbursement for my time and money already invested in buying the house when it was not disclosed there was any issues with the title. That seemed to light a bit of a fire under him, and he was able to then work it out with PHFA and get the title back.

I just read over my deed, and it indeed does say declare the dwelling directly on it. So it is recorded right on the deed for the land it sits on.

In your case, I'm 99% sure you'll need to have a title issued and then retired and in doing that you'll need the VIN numbers. If your going to be able to get any kind of assistance in finding a way around getting the home titled, I think you
 
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