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

KYLECODY

Thread Starter
Senior Member
Joined
Apr 26, 2003
Professional Status
Certified Residential Appraiser
State
Arizona
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

Elite Member
Joined
Oct 11, 2006
Professional Status
Certified Residential Appraiser
State
California
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.
 

S is for spittman

Senior Member
Joined
Oct 24, 2005
Professional Status
Certified Residential Appraiser
State
Texas
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

Elite Member
Joined
Oct 11, 2006
Professional Status
Certified Residential Appraiser
State
California
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 : )
 

S is for spittman

Senior Member
Joined
Oct 24, 2005
Professional Status
Certified Residential Appraiser
State
Texas
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

Elite Member
Gold Supporting Member
Joined
May 2, 2002
Professional Status
Certified General Appraiser
State
Arkansas
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

Elite Member
Joined
Oct 11, 2006
Professional Status
Certified Residential Appraiser
State
California
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

Thread Starter
Senior Member
Joined
Apr 26, 2003
Professional Status
Certified Residential Appraiser
State
Arizona
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

Junior Member
Joined
Sep 23, 2004
Professional Status
Certified Residential Appraiser
State
Texas
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.
 
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