LEGAL/REO INFORMATION FOR MANUFACTURED HOMES We realize that not everyone in the Real Estate Industry deals with Manufactured Homes. However, for those that do we would love to work with those Industry professionals and/or stakeholders be you a law firm, title, escrow company or lender dealing with a CURATIVE TITLE issue we have the solutions and are here to help. CALIFORNIA ONLY:With increasing regulatory compliance and default activity, many lending files are under scrutiny. Manufactured homes have long been victims of poorly originated loans, inadequate underwriting and errors in title and escrow. In situations where the proper conversion and title cancellation must take place for foreclosure or other legal proceedings, we can work with your legal or title team to effectuate the nec... 07/22/2015

 What is a "433A" For A Manufactured Home In California? In this multiple series of posts regarding Manufactured Home issues another one that we deal with multiple times a day throughout the State of California is the issue of the 433a document.  Albeit we have and still do deal with what's known as an Affidavit of Affixture which is the same thing but in other States we are only focusing on Californai in this post.   The 433A is a recorded document also known as: "NOTICE OF MANUFACTURED HOME (MOBILEHOME) OR COMMERCIAL MODULAR INSTALLATION ON A FOUNDATION SYSTEM"     There is a certain irony that the document does not utilize the term "Permanent Foundation", yet the HCD Form 433A is synonymous with the term “Permanent". It is an important distinction to make because the common perceptio... 07/19/2015

VA Mortgage Loans in 1000 Palms CA and 100% VA Loans -the best loan program in the country! VA Mortgage Loans are one of the best mortgage loan programs available today for both honorably discharged Vets and active duty military personnel. Here are some of the great features of this fantastic program: - Up to 100% financing, with no down required. - No monthly mortgage insurance added to your payment. - More lenient credit qualifying standards than other types of mortgage loans. - Low rates compared to other loan programs. So how do you qualify for a VA Mortgage Loan in 1000 Palms CA? The first step is to verify your eligibility. Eligibility is verified by ordering your Certificate of Eligibility or COE. You can work with an approved Windsor  CA VA mortgage loan lender to order your CO... 05/17/2015

Things are heating up in more ways than you might think. While it is 100 degrees in Charlotte, the humidity is down somewhat from usual but it was 139 degrees in the attic. Wow, yes, the 203k consultant should look in the attic and under the home if there is a crawl space, I must admit that I enjoy slab foundations and full basements more and more as I get older.  Last January I was asked to do a 203k that had started out as a Streamlined k and then someone noted that there were structural issues and at the last minute they need a "Full 203k" ... the big question was "How fast can you get it done?" Well we were able to see it within a couple hours from that call but.. the home didn't qualify for a 203k. As soon as I pulled up in front of the home I saw the reason for the deal to fall th... 07/21/2014

  Engineered Certification & Foundations For Manufactured Homes If you are a Real Estate Professional, Lender, Homeowner or buyer and are involved in a manufactured home loan or real estate transaction you need to know this. What are Foundation Repairs and Retrofits?   The terminology "foundation repairs" or "Retrofits" is generally used to describe "Proprietary Foundation Systems" for MANUFACTURED HOMES   Yesterday we shared a little lighter and more humorous satire about what goes on under (photo below) a MANUFACTURED HOME during the leveling, retrofit and foundation installation process. But today we wish to share a video on a more serious note.     However, If you're not dealing in MANUFACTURED HOME transactions there's no need for you to take the time to view the video. But if you ... 01/23/2014