A specialty Scapular desk combining the two documents your title file needs — PE-stamped PFGMH § 3 foundation certification and a county-recorded Affidavit of Affixation. One firm, one closing-ready package, ten business days.
The Permanent Foundations Guide for Manufactured Housing is HUD's engineering reference. Section 3 covers technical requirements — pier specifications, footings, soil bearing, frost depth, anchoring, skirting.
The PE certification is the line between a manufactured home titled as chattel and one held as real property.
The legal instrument that physically and legally binds the home to the parcel. Sometimes Affidavit of Annexation or Manufactured Home Real Property Affidavit depending on the state.
Recorded with the county recorder, the affidavit becomes part of the chain of title. The home is no longer titled as a vehicle.
Title agent places order with address, target close date, and title commitment. Same-day acknowledgment.
Foundation walkdown — pier specs, anchoring, soil bearing, skirting. HUD data plate and cert label photographed.
PE-sealed certification to PFGMH § 3. Cross-referenced to affidavit draft so underwriters can trace cert to affidavit.
State-specific affidavit drafted, legal description matched to title commitment. Borrower notarization coordinated.
Filed at the county recorder for the parcel. Book & page returned same day. Recording fees included.
Complete package — cert, recorded affidavit, conversion memo, ALTA exhibit, title retirement guidance.
Partner-tier pricing available for firms running more than 5 conversions per quarter. Request partner-tier review →
PE-stamped PDF certifying PFGMH § 3 compliance — cover, findings, photo appendix, sealed cert. 14–22 pages.
Recorded copy with book and page indicia on every page. State-specific form.
One-page memo stating the home is real property per state statute. Cross-references cert & affidavit BK/PG.
One-page summary formatted as an exhibit to the title commitment.
State-specific guidance on retiring the home's vehicle title with the DMV.
Most state statutes permit recording the affidavit alone — but the title insurer almost always requires the foundation cert as a condition of the policy. Without the PE-stamped PFGMH § 3 cert, the title commitment carries an exception that effectively prevents the home from being treated as real property for financing.
The two documents are statutorily independent but practically inseparable.
The FHA structural report (sibling site midwestfhainspect.com) addresses all six HUD 4000.1 II.D.4 requirements for an FHA loan file. The PFGMH cert here is a subset — the foundation finding only.
For conventional, refi, insurance, or non-loan conversion — the cert + affidavit package is the file.
Yes. ~30% of 2025 volume was direct-to-homeowner — mostly refinance prep, insurance renewal, pre-sale conversion. Settlement package delivered to the homeowner with guidance for their lender or insurer.
Drop the property address, target close date, and title commitment. Acknowledgment within an hour. Written quote same business day.