Has the manufactured home ever been moved from its original site?

[KYLECODY]

This one seems to come up every so often. I always write in the addendum something to the effect there is no way an appraiser would know that. Unless I camped next to one for 20 years how could I tell? It usually goes away but a current lender is being ridiculous. They are suggesting since a mortgage was put on the property in 95 I should just say its been there since 95. Thoughts? Better answers? Cant find an affidavit of affixture and the interior data sheet is long gone. Exterior tags do not have install date.

 

[glenn walker]

This one seems to come up every so often. I always write in the addendum something to the effect there is no way an appraiser would know that. Unless I camped next to one for 20 years how could I tell? It usually goes away but a current lender is being ridiculous. They are suggesting since a mortgage was put on the property in 95 I should just say its been there since 95. Thoughts? Better answers? Cant find an affidavit of affixture and the interior data sheet is long gone. Exterior tags do not have install date.Your City City County P;anning department shave record

Well saying it has been there since 1995 is not saying the same thing as it has never been moved it may have been moved there in 1990 and no mortgage on it and in 1995 the owners placed a mortgage on it.

 

[spittman]

In Texas we have a website that shows where and when it was originally installed. If it's still at the same address, it's safe to assume it was not moved.

 

[glenn walker]

In Texas we have a website that shows where and when it was originally installed. If it's still at the same address, it's safe to assume it was not moved.

As they say "It's withstood the test of time : )

 

[spittman]

Cant find an affidavit of affixture and the interior data sheet is long gone. Exterior tags do not have install date.

Since the data sheet is missing, the IBTS verification letter may have some information of when and where it was originally installed. Also, on the engineer's certifications I have seen, the engineer will determine if the foundation has been moved. Did you make the appraisal subject-to either of those?

 

[Terrel L. Shields]

Heck...in the Ozarks half of the counties can't tell you if the MH was sold with the land or owned separately by someone else.

 

[glenn walker]

Since the data sheet is missing, the IBTS verification letter may have some information of when and where it was originally installed. Also, on the engineer's certifications I have seen, the engineer will determine if the foundation has been moved. Did you make the appraisal subject-to either of those?

Spot on tell the lender you are making it subject to an-inspection by an-engineer, he/she/it will quickly be be able to determine the age of the foundation on FHA its a requirement to has inspected. But even on Fannies when not sure about something like this throw back into the lenders lap. The Underwriter just wants to corner you so if-something ever goes south she can say- well the appraiser say in his report it has never been moved .

 

[KYLECODY]

Since the data sheet is missing, the IBTS verification letter may have some information of when and where it was originally installed. Also, on the engineer's certifications I have seen, the engineer will determine if the foundation has been moved. Did you make the appraisal subject-to either of those?

Its not FHA so I didnt call for an engineers cert. Most likely will make it subject to them getting an IBTS letter. They could make it go away with one mouse click but apparently this lender thinks this is significant.

 

[Mike Ault]

Your client shouldn't suggest that you just "assume" something of significance. It's either unknown or documented. Once you have checked available data sources consistent with the responsibilities of the appraisal profession that is no longer your problem, it is theirs.

 

[Stantheman]

This one seems to come up every so often. I always write in the addendum something to the effect there is no way an appraiser would know that. Unless I camped next to one for 20 years how could I tell? It usually goes away but a current lender is being ridiculous. They are suggesting since a mortgage was put on the property in 95 I should just say its been there since 95. Thoughts? Better answers? Cant find an affidavit of affixture and the interior data sheet is long gone. Exterior tags do not have install date.

You could get the vin number off the frame in the crawlspace. I have used a selfie stick and Iphone for this. The VIN will tell you year and location built.