10/31/2026
🏡 BUYING OR SELLING A MANUFACTURED HOME? READ THIS BEFORE YOU MAKE A MOVE!
Manufactured homes can be a great homeownership option, but when a mortgage is involved, there are a few important pieces of the puzzle that can make or break a smooth closing.
Before you buy or sell, make sure you know where to find these 4 IMPORTANT ITEMS! 👇
đź”´ 1. HUD LABEL (RED TAG)
Look for the metal red certification label attached to the exterior of the home. This identifies the home as meeting HUD manufactured housing standards.
đź“„ 2. DATA PLATE
This is typically an 8½ x 11 sheet of paper located in or around the kitchen sink area, inside a cabinet, or another interior location. It contains important information about the home's manufacturer and specifications.
🏗️ 3. STRUCTURAL ENGINEER'S REPORT
Depending on the loan program, an engineer's certification may be needed to verify the foundation is sound and the required tie-downs are properly installed.
đź“‘ 4. AFFIDAVIT OF TRANSFER TO REAL ESTATE
Check with your local County Recorder of Deeds or Clerk of Courts to verify that the home has a recorded Affidavit of Transfer to Real Estate. This helps establish that the manufactured home is legally classified as real property.
🚨 HERE'S THE HEADS-UP!
If any of these four items are missing, don't panic! It doesn't automatically mean you can't get a mortgage. However, it could mean extra time, paperwork, or steps to get everything in order.
Whether you're BUYING or SELLING a manufactured home, getting these details checked early can save you a whole lot of headaches later!
📲 Need help figuring out what you have, what's missing, or where to start?
Give me a call or text. I'm happy to help!
Stacey Iseler | Mortgage Advisor | NMLS 2231231
Handley Mortgage SolutionsÂ
NEXA Lending | NMLS 1660690
đź“ž 513-594-6101
HandleyMortgageSolutions
