A manufactured home (e.g., mobile home, modular home) may be deemed to be part of the insured “land” if permanently attached to the land. To issue without exception to the manufactured home on an Owner’s or Loan Policy and to issue the ALTA Form 7 Endorsement to a lender, you must confirm that the home is permanently attached, that all personal and real estate taxes are paid, and that the certificate of title is canceled or is being canceled.
Except to Mobile Homes
The land shall not be deemed to include any house trailer, manufactured home, mobile home or mobile dwelling on the land.
Comment: If you are not satisfied the mobile home is permanently attached or if the certificate of title is not canceled, you must use this exception as an accommodation to the customer.
See Underwriting Manual
Unpaid or Unassessed Taxes
Taxes for the year ___________ and prior years, due to failure to assess the house trailer, manufactured home, mobile home or mobile dwelling on the land.
Comment: If the mobile home has been attached permanently to the land but was not included in the tax assessments, you must add this exception.