Advancing Homeownership At A price Minnesotans Can Afford

#BuildingCommunity #Affordability #MNHomeownership

Addressing Manufactured Homes Title Issues

Background

Transferring ownership of a manufactured home can sometimes be a challenge because manufactured homes are titled as personal property (like a motor vehicle) rather than as real property.

Minn. Stat. 168A.141 and 168A.142 address the requirements for surrendering and creating certificates of title for manufactured homes affixed to real property and unaffixed from real property.

Unfortunately, many owners of manufactured homes encounter problems while attempting to sell/transfer their homes because:

·        The homeowner does not have the certificate of title for the home (a title may not have been issued)

·        The homeowner does not have the manufacturer’s certificate of origin for the home (which may be lost or was never issued by the manufacturer)

In most of these situations, an owner must obtain a certificate of title through the judicial system, which is costly and time-consuming. 

Key Features

1.        Senate File 187 / House File 347 would help manufactured homeowners who encounter problems while attempting to sell their homes because they do not have the certificate of title or the manufacturer’s certificate of origin.

2.       Manufactured homes are titled as personal property (like a motor vehicle) rather than as real property.  If the homeowner does not have the title or the certificate of origin, he/she must obtain a title by court order.

3.        This bill would create an administrative process that manufactured homeowners could follow to obtain a new title, rather than having to commence an action in the judicial system, which can be complicated, slow, and expensive.

Bill Summary

SF 187-Senators Ruud, Limmer, Tomassoni and Simonson

HF 347-Representives Koznick, Metsa, Schultz and Runbeck

Issue specifics and bill language are subject to change.*