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Thank you for commenting and reaching out concerning this issue. First things first, I regret to hear about the situation and what the seller is putting you through. It is not ever good for a mobile home buyer to feel screwed or taken advantage of. With that said I would have an honest and sincere talk with the seller.
However moving forward if you have any specific mobile home related questions never hesitate to reach out any time. I hope this helps and starts to point you in the right direction. I purchased a mobile home via owner financing.
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There is a shed and a carport that come with the sale, how do I know these are paid for? The first step is to ask the park if they have any liens against the shed or home or car port. Next make sure all taxes are paid for and current. Check the shed and carport for any stickers from a local “rent-to-own” company. If nothing looks fishy then you should be all set. If a contractor installed the shed or carport and was not paid a would have put a contractor’s lien on the title already.
An attorney may have a quick fix to get the title into your name however I have not heard of this happening. Let me know if you find out something different. Most parks may typically raise rents yearly 2-5% based on market rents. However I have seen greedy parks that raise rents multiple times per year with little notice. If a park has many vacancies this could be one reason.
Closing on a Mobile Home – What to Expect and How to Prepare
I would like to retract the sale and take my home off the market . When I spoke with my agent she said I would have to pay $900, unless however the buyer does not receive park approval. It has been a week and I just checked with the Property Management company that says she still hasn’t paid the $35 application fee or checked in with the office. I would like to get out of this deal unscathed as possible. I purchased a home for $80,000 in a mobile home park but I pay rent for the land it is on. I am now told that the park has been sold.
With that said I would do some research of your own to find out what this fee is called in to verify that it is 100% going to the state as your landlord claimed. If this is a real state fee then the landlord is guilty of not disclosing the payment however it does not sound like they are doing anything fraudulent. If you have any specific questions or concerns never hesitate to reach out. First of all, let me say congratulations on finding a home you truly love and want to be living in.
Closing on a Mobile Home: The Basic Process
It IS a good idea to put some bleach down the Well ... Maybe a half gallon followed by a few gallons of water...then run the Well pump till you get a strong odor of bleach thru ALL your water faucets. Then close all faucets and turn off power to the Well Pump. Letting the bleach sit in the Well and water lines of your house will kill any bacteria whilst youre gone .
The new owner brings the assigned title to a Secretary of State Branch Office to have it transferred into their name immediately. In North Carolina and many other states you will want to have a Purchase and Sale Agreement signed between the seller and you. Once this agreement is signed you should take this paperwork AND your Good Faith Money (approximately $500-$2,000) to your local Title Company. From here they will preform the necessary checks and documents to transfer the home and more importantly land to you.
Feel free to follow up with any thing you learn or feedback. Thank you for reaching out and connecting with regards to your questions. I regret to hear that the folks servicing your payment is dragging their feet and also possibly a little bit fraudulent.
With that said please see below as my advice on how to sell and your next steps. In retrospect if the park manager is this vindictive I would advise you against staying in the park. Congratulations on the find, both the new park and the home. Thanks for reaching out on the confusions you’re facing. Please see my thoughts to your hitches below.
My educated guess is that the bank will not allow an owner to be taken off of the loan or title. I could be very wrong on this and for your sake I hope I am. If the bank does not give you permission to change title then you can retitle the home into a living trust or personal property trust for estate planning purposes. Call your lender and explain the situation first and if that does not work we can pursue the option to title the home into a trustee’s name.
He really threw you under the bus and clearly does not care about you or your well-being. The park manager may be lenient and understand that you need some time to sell the home. If possible when you sell the home that is the time you will repay all the back lot rent.
If you’re still in the process of booking, avoid both easyJet and Gatwick. Leave appliances unplugged while you're gone to protect from electrical-current surges during storms. If you’re gone for two or more months, unplug the refrigerator and leave its doors ajar. Get a company to put up your storm shutters.
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