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3Ms continued

So what if you’re looking at a home, and you’re not sure whether it is a Mobile, Manufactured, or Modular home? What’s the next step if you’re interested in it, but need to know which one it is?

There are several things you can do to further investigate:

1. Take a walk around the entire home, looking for any tags that may be affixed on the exterior (usually near a corner of the home). If there is a VIN (Vehicle Identification Number), it probably is a mobile or Manufactured home (note: See my previous blog entry for links to definitions).
2. Look inside the home. You may find a VIN tag inside a utility closet or someplace near where the utilities are located.
3. Call the Department of Licensing in Olympia. They can look in their records and tell you if there is a registered mobile home under the current owner’s name.
4. Visit the county’s Department of Development and Environmental Services (DDES). In order to place a home on the property, the owner must have gotten a permit from the county. In the permit records, you may find information that specifies whether the home is a Mobile, Manufactured, or Modular. (note: don’t rely soley on the county records, as they can be wrong! I listed a home that was specified as a Mobile in the permit, but it was a Modular home).

If after all of the above steps you still don’t know, call the title company. They can send out a title inspector to the property who can make the determination. In fact, the title company is a critical factor in this process because if they state in the title report that it is a mobile home, your lender’s interest rates may be higher!

*It may seem redundant to state, but the above information applies mostly if you’re looking at a home on owned property, not in a “mobile home park”. By its very definition, a mobile home park will likely have mobile and manufactured homes located there.

**Another thing to be aware of, is that not all appraisers can spot the difference either! I’ve had a appraiser tell me that a home was a mobile (even though he couldn’t find a VIN), when it was a modular home.

Happy house hunting!

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