Manufactured Home - Conversion to Stick Built - Is it possible?

Question

Hi All,

Can a I manufacture/mobile home be converted to a stick built? And I don't mean just title eliminated.

I believe the answer is No, however I am talking to more and more sellers that seem to think they "converted" their home to a stick built and don't have to worry about any of the typical financing limitations a manu would normally have. (Age, physically connected additions, etc)

I think they are all confusing title elimination as their conversion but maybe I am wrong.  Is there in fact some way/process to do this?

Thanks

(I am in Washington state if that makes any difference at all)

Kevin Romines · Answer

My experience is that if any part of the manufactured home is still part of the structure, it will then be considered a manufactured home with an addition. This includes removal of the entire home but leaving the metal frame foundation, it would still be a manufacture home with an addition as far as financing is concerned.

Here are the guidelines that I found on it?

Manufactured homes that have an addition or have had a structural modification are eligible under certain conditions. If the state in which the property is located requires inspection by a state agency to approve modifications to the property, then the lender is required to confirm that the property has met the requirement. However, if the state does not have this requirement, then the property must be inspected by a licensed professional engineer who can certify that the addition or structural changes were completed in accordance with the HUD Manufactured Home Construction Safety Standards. In all cases, the satisfactory inspection report must be retained in the mortgage loan file.

Frank Matanane · Answer

Sorry for late response...Thanks for this confirmation!