PFGMH + AFX SETTLEMENT-OPS DESK MO · AR · IL · KS SCAPULAR ENGINEERING →
SERVICES / TWO DOCUMENTS PER PACKAGE

The two documents your title file needs.

Both required to convert a manufactured home from chattel to real property. One firm delivers both — engineering and legal, on the same file, ten business days from order to recorded.

DOC 01 · Engineering

PFGMH § 3 Foundation Certification

PE-stamped certification that the foundation meets HUD's permanent-foundation standard. 14–22 pages.

DOC 02 · Legal

Affidavit of Affixation

State-specific legal instrument, drafted and recorded with the county recorder. BK / PG returned to your file.

01

PFGMH § 3 Foundation Certification

Engineering document · PE-sealed PDF

The Permanent Foundations Guide for Manufactured Housing is HUD's engineering reference for what makes a manufactured-home foundation permanent. A PE's certification under Section 3 is the line between chattel and real property — required by every title insurer, conventional lender, and most insurance carriers.

What § 3 covers

The handbook breaks the foundation system into six sub-sections, each with technical requirements. Our cert addresses all six and cross-references each finding to its handbook clause.

§ 3.1 / Piers

Pier specifications

Concrete-block, steel jack stand, or poured-pier construction. Spacing per manufacturer chassis spec, height to chassis frame, contact bearing.

§ 3.2 / Footings

Footing dimensions

Footing area per pier load, depth to frost line for the jurisdiction, reinforcement (if required by soil bearing), poured-in-place or precast.

§ 3.3 / Soil bearing

Soil capacity

Soil bearing capacity verified or assumed per local building code. Sloped sites, expansive soils, and high water table noted with engineering judgment.

§ 3.4 / Anchoring

Anchor system

Ground anchors (auger, rock, slab) or alternative anchor systems. Strap connections to chassis frame, anchor spacing per wind zone rating.

§ 3.5 / Utilities

Permanent utilities

Permanent connections for water, sewer, electric, gas. No flexible or temporary lines. Adequately supported, protected from freeze.

§ 3.6 / Skirting

Skirting & closure

Perimeter skirting installed to grade with proper ventilation. Access panel for under-home inspection. Drainage away from foundation.

Site visit process

Step01

Under-home photography

Foundation system photographed at every pier, footing, anchor point. Photos indexed for the cert appendix.

~90 minon site
Step02

HUD identifier capture

HUD data plate values recorded (manufacturer, model, serial, wind/thermal/roof zones). HUD certification label number photographed. These match the affidavit.

~15 minon site
Step03

Site conditions

Skirting, drainage, frost depth conditions, soil-bearing observations, utility connections.

~30 minon site
02

Affidavit of Affixation

Legal document · county-recorded

The legal instrument that physically and legally binds the manufactured home to the parcel. Form names and statutory frameworks vary by state — we draft to the correct local form, coordinate notarization, and record at the county recorder for the parcel.

State variations

Each of MO, AR, IL, KS uses a slightly different form and statutory citation. Form names: Manufactured Home Real Property Affidavit (MO), Affidavit of Affixation (AR, IL), Affidavit of Conversion to Real Property (KS).

FORM MOMo. Rev. Stat. § 700.111

Missouri form

Manufactured Home Real Property Affidavit

Filed at the county recorder for the parcel. Includes verified HUD identifiers, legal description matched to deed, and lender/title-agent indicia. Title automatically converted upon recording.

Recorded copy returnedBK / PG
FORM ARArk. § 27-14-1601

Arkansas form

Affidavit of Affixation (DMV-coordinated)

Arkansas requires title surrender to the state DMV concurrent with recording. We coordinate the DMV step alongside recording — both pieces close in the same week.

DMV title retired+ Recorded
FORM IL765 ILCS 415/

Illinois form

Affidavit of Affixation under Illinois Mobile Home Act

Illinois requires both the affidavit recording and a surrender-of-title with Secretary of State. We file with both county and state. Township-level recording variations handled.

State + county filedBK / PG + SOS
FORM KSKan. Stat. Ann. § 58-4214

Kansas form

Affidavit of Conversion to Real Property

Kansas requires recording at the register of deeds for the parcel, with DMV title surrender concurrent. Form must reference both HUD identifiers and parcel ID.

Register of deeds+ DMV

Drafting & recording sequence

Step01

Form selected by state & county

Correct state form pulled; county-specific variations (e.g. township recording vs. county-level in IL) applied.

Day 6
Step02

HUD identifiers verified

Data plate & cert label numbers from field visit matched against title commitment and certificate of origin if available.

Day 6
Step03

Legal description matched to title

Parcel legal description copied from current title commitment, verified for accuracy.

Day 6
Step04

Borrower notarization

Mobile notary dispatched, or borrower visits our office, or settlement agent's notary used. Whatever moves fastest.

Day 7
Step05

Recording filed

Affidavit filed at county recorder. BK / PG returned same day via e-recording where available, 1–2 business days for paper-only counties.

Days 8–9
03

The combined package

Why both, on the same file

Settlement files almost always need both documents. Title insurers don't write the policy without the PE cert; conventional lenders don't fund without the recorded affidavit. Most engineering firms only do the cert; most settlement agents only handle the affidavit. One firm doing both means one point of contact, one timeline, and cross-referenced documents that match.

Combined

Cert + Affidavit

Both documents, same field visit, cross-referenced. This is what title files need. 90%+ of orders.

Standard package$675–$725
Cert only

Just the PFGMH cert

If the affidavit is already recorded (existing real-property home, refi situation). Cert sealed in 5 BD.

Cert-only$450–$525
Affidavit only

Just the affidavit

Rare — only if a current PFGMH cert is already in hand from another PE. Includes review of prior cert.

Affidavit-only$325–$395

Start an order. Recorded in 10 business days.

Drop the property address, target close date, and title commitment. Acknowledgment within an hour. Written quote same business day.