Manufactured housing transactions appear in Texas real estate practice more often than many practitioners expect — and they require a different approach than a standard residential closing. Before you can determine what you're insuring, you have to know what you're actually looking at: how a manufactured home differs from a modular home or mobile home, how to look it up in the TDHCA system, and whether it's classified as personal or real property.
This session walks through the full lifecycle of a manufactured housing transaction — from identifying the unit and researching it through TDHCA to navigating the Statement of Ownership process, handling special situations like abandoned or salvaged units, and understanding where title insurance coverage applies. Attorneys and escrow officers will also work through the T-31 and T-31.1 endorsements and learn when a new Statement of Ownership is required — including on sales and refinances after conversion.
Key takeaways include
- How to identify a manufactured housing unit, distinguish it from modular homes and other housing types, and research it using the TDHCA website
- How personal vs. real property classification determines insurability, and what triggers — and completes — the conversion process
- The Statement of Ownership process, including when it must be filed at initial conversion, on subsequent sales, and on refinances
- The T-31 and T-31.1 endorsements: how they differ (specific unit vs. all units on the property; loan policy only vs. owner's and loan), and practical guidance on when to use each
- How to handle special situations: abandoned or salvaged units, properties where an MHU is being removed, and construction loan scenarios
Presenter:
Stephanie J. Stigant
VP – Texas Underwriting Counsel
National Investors Title Insurance Company
Pricing:
Member: $45
Nonmember: $65
CE Credit:
1.0 Hour Escrow CE Credit
1.0 Hour MCLE Credit
Beginner level – Designed for those new to the topic and/or the title industry. May include basic concepts, definitions, and foundational industry practices.
Per Procedural Rule P-28 II I-6, TDI will not award CE credit for completing the same course more than once during a reporting period.
The information in this course is provided by TLTA for educational and reference purposes only and should not be considered legal, financial, or business advice. Users should consult their own legal counsel and subject-matter experts to ensure that any policies adopted or actions taken meet the requirements unique to their company.
Legal information provides public information, such as rules or laws, or an explanation of those laws. It is not legal advice. Legal advice recommends a specific course of action or interprets the law based on particular facts. For legal advice, please consult your attorney.