Chattel Mortgage Form For Mobile Home In Pennsylvania
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Most people don't know that mobile homes have a title, and you must have one to prove you own them. A title, also known as a certificate of title, is a legal document proving ownership of your manufactured home. When you buy a new mobile home, you will almost always need to obtain the title.
The State of New York requires all mobile and manufactured homes to be titled.
All mobile homes or manufactured homes which are subject to taxation as real estate as provided in this chapter shall be assessed and taxed in the name of the owner.
The title shows the current owner(s) of the mobile or manufactured home, previous owner(s), manufacturer, square footage, color, and year. Any time ownership is transferred the title MUST be moved from one party to another to avoid tax problems and legal issues.
Mobile home form: HO-7 A typical mobile home insurance policy is an HO-7 form. It helps protect the personal property and physical structure of the home. This type of policy form is a modified version of an HO-2. The perils covered by an HO-7 may be different than those covered by a standard HO-2.
Manufactured homes built after 1976 that comply with HUD code are eligible for mortgage financing. However part of complying with that code is being attached on a permanent foundation that also complies with HUD engineering standards.
It must be ZONED for mobile homes. You can, of course, apply to the city/county to have the zoning changed, as long as the neighbors don't object and there's nothing in the area's legal documentation that prohibits it. Utilities - again, you can't just drop a mobile on any random piece of land.