FAQs grouped by who's typically asking. Title agents and settlement attorneys get most of the procedural questions; homeowners get most of the conversion-rationale questions; lenders get the format-and-investor questions.
Bare minimum is the property address and target close date. Faster turnaround if you include the title commitment (legal description & existing exceptions) and any FHA case № or loan №. See the process page for the full intake checklist.
Two of the five deliverable files plug directly into the title file: the conversion confirmation memo attaches as a clearance for any manufactured-home exception on Schedule B, and the ALTA-ready exhibit is sized to attach as an exhibit to the commitment.
Order the cert-only package ($450–$525) instead of the full conversion package. We'll deliver the PE-sealed cert with cross-reference to the existing recording's BK / PG.
We record at the recorder for the parcel, regardless of which county. 4-state coverage via active PE licensure: MO, AR, IL, KS. Iowa pending Q3 2026.
Yes. Title agencies running 5+ conversions per quarter are eligible for partner-tier pricing and pre-reserved rush slots. Request partner-tier review →
The affidavit of affixation is a statutory form, not a contract or pleading. Drafting per the statute is not practice of law in any of our jurisdictions. Settlement attorneys frequently order the package when their client is doing a conversion outside of a transaction.
Affidavit recording is the standard cure for a manufactured-home chain-of-title issue where the home was never properly converted. This is our most common attorney-ordered scenario.
Yes. Borrower notarization can happen at our office, at the borrower's location via mobile notary, or at your office using your in-house notary. Whichever moves fastest for the close date.
Yes. The PE-sealed cert satisfies Fannie Mae Selling Guide B5-2-04 and Freddie Mac Selling Guide 5601.2 for permanent foundation certification on manufactured homes. Also satisfies HUD 4000.1 II.D.4.b.i for FHA files (with our FHA-sibling-site report format if you want the full FHA package).
Both. MH Advantage (Fannie Mae) and CHOICEHome (Freddie Mac) products require the same PFGMH § 3 certification — the cert format works for both. Investor matrix variations on cover-sheet language handled.
Yes — many lenders do exactly this to identify foundation issues before paying for an appraisal. If the cert reveals a deficiency, the loan can be paused for remediation rather than appraised and then re-worked.
The FHA-specific site delivers the full FHA structural report covering all six HUD 4000.1 II.D.4.b requirements. This site delivers the foundation cert (one of the six) plus the legal affidavit. FHA pipelines: use the FHA site. Conventional, refi, insurance, conversion: use this site.
If your home is currently titled as a vehicle (chattel), conversion to real property unlocks: conventional mortgage refinancing (avg 2.8% rate reduction), broader homeowner's insurance (14 carriers vs. 4 for chattel), and equity appreciation with the land rather than depreciation as a vehicle. See the home page for the value summary.
Yes. ~30% of 2025 volume was direct-to-homeowner. Most commonly: refinance prep, insurance renewal, pre-sale conversion, or chain-of-title cleanup before listing the home.
Not required, but helpful for under-home access. If you can't be home, we coordinate access with a neighbor, property manager, or your real-estate agent.
We issue a remediation report identifying specific deficiencies and what repair would satisfy PFGMH § 3. Common issues: settled piers, missing or undersized anchors, skirting failures, drainage problems. Most are fixable in 1–3 weeks by a competent contractor; we re-inspect post-repair at no additional charge.
If the HUD data plate (inside a kitchen cabinet or near the electrical panel) or certification label (red metal exterior tag) is missing or unreadable, we coordinate HUD label replacement through IBTS (Institute for Building Technology and Safety). Adds ~$300 fee and 1–2 weeks; required before recording.
The Permanent Foundations Guide for Manufactured Housing is HUD's engineering reference for permanent foundations on manufactured homes (originally HUD-007487). Section 3 covers foundation system requirements: piers, footings, soil bearing, anchoring, utilities, skirting. See the services page for sub-section detail.
Usually yes, if installed correctly. The most common pier system in manufactured housing is dry-stacked concrete-block piers on concrete footings, which qualifies under § 3.1 if pier spacing matches the manufacturer chassis spec and footings are adequately sized.
Anchor spacing and type depend on the home's wind zone rating (printed on the HUD data plate). Wind Zone I (most of the Midwest) requires standard ground anchors at chassis-frame strap points. Wind Zones II and III require additional anchoring; our cert addresses any wind-zone-specific requirements.
Yes — the parent firm Scapular Engineering handles new manufactured-home foundation design when a remediation requires it. Common for older homes where the original installation doesn't meet current PFGMH standards.
$675 in Missouri, $725 in Arkansas, Illinois, Kansas. Includes the PE-sealed foundation cert, drafted & recorded affidavit, recording fees, settlement package. No surprise charges at close. See the pricing table for full breakdown.
$275 expedite fee on top of standard package — 5 BD turnaround. Partner-tier title agencies get rush at standard pricing (pre-reserved monthly slots).
Included in the package price. Recording fees vary by county ($28–$87 across our coverage) — we absorb the difference rather than pass through. No surprise charges at close.
Drop the property address, target close date, and title commitment. Acknowledgment within an hour. Written quote same business day.