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Buying Mobile Home with no title

7 years ago

I am considering purchasing a mobile home with no title. A bank is selling the property with a deed, but no title for the mobile home. The bank repossessed the property from the previous owner.


Legally does the bank only own the mobile home? Technically is the bank only selling the land or the mobile home too? How can I get a clear title to the mobile home?


According to the web, here are the steps to get a title:

"The Abandoned Mobile Home Process

I’m going to discuss this process using South Carolina’s state laws. If you’re in another state, the process is probably going to differ slightly, so be sure to contact your local magistrate.

  • Submit an abandoned mobile home report to the DMV. This costs about $15 and takes the DMV about a week or so. They’ll report the home abandoned, as well as let you know the owner of the home, so long as the home has been titled in that state.
  • If the home wasn’t found in the state’s DMV records, you’ll have to contact other states’ DMVs to see if the home has been titled in their state. When I went through this process on a property, I had to contact 7 neighboring states and confirm that the home wasn’t titled in their systems. Most sent a simple email that stated the home was not titled in their state, a couple had an online VIN check, and one required a form to be mailed in.
  • Send a certified letter to the last mobile home owner of record.
  • Place a 30-day notice in the local newspaper to anybody claiming ownership of the home. This cost me about $40.
  • Pay a $35 fee to the magistrate, sign and complete an affidavit for an abandoned mobile home, and show proof of the above steps. This will enter your home into the next available abandoned mobile home sale. These are typically held once a month.
  • Attend the sale and make sure that you’re the top bidder. When I went through this process on a mobile home, nobody else bid on the home, and I was immediately awarded a bill of sale.
  • Go to the DMV and show the bill of sale to finally get the title.

In all, you can probably expect to spend about $100 and 2-3 months to get title to the home."


Is this correct? Is this double-wide "abandoned"? Can I be assured if I buy the property, eventually I can get a clear title? Is it a bad decision to consider purchasing this property?

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