source:
  type: regulation
  id: usda-hb-3555-13.12
  authority: USDA Technical Handbook HB-1-3555 §13.12 — Loan Closing For Manufactured Housing
  description: "USDA HB-1-3555 §13.12 (Loan Closing For Manufactured Housing). Gap-fill (verbatim). \n"
obligations:
- id: usda-hb-3555-13.12-0
  canonical_id: usda-hb-3555-13.12-0
  section: USDA HB-1-3555 13.12 — Loan Closing For Manufactured Housing
  description: '13.12 Loan Closing For Manufactured Housing: AN CLOSING FOR MANUFACTURED HOUSING Loan closing procedures
    are the same whether the guarantee is made for the purchase of a manufactured home or another type of single-family
    home. However, the lender should be aware of the following requirements. A. Warranty Requirement A deale…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §13.12 — Loan Closing For Manufactured Housing
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: AN CLOSING FOR MANUFACTURED HOUSING Loan closing procedures are the same whether the guarantee
      is made for the purchase of a manufactured home or another type of single-family home. However, the lender
      should be aware of the following requirements. A. Warranty Requirement A dealer must provide the borrower
      with a copy of all manufacturer warranties. The warranty must identify the unit by serial number. A copy of
      all warranties and certifications will be retained in the lender’s permanent loan file. B. Lien Release Requirements
      The dealer must furnish a manufacturer's certificate of origin indicating that the unit is free and clear
      of all legal encumbrances. A copy of the manufacturer’s statement or certificate of origin will be retained
      in the lender’s permanent loan file. C. Real Estate Tax Requirement As required by the local taxing authority,
      the unit and site must be classified, zoned, and taxed as real estate. Certificate of title to the manufactured
      home must be surrendered to the appropriate state government authority if state law permits. D. Title and
      Lien Requirements The mortgage must be insured by a standard real property title insurance policy. Refer to
      title insurance policy requirements outlined in Chapter 16 of this Handbook.
    drafter_attestation: Verbatim from HB-1-3555 §13.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-13.12-1
  canonical_id: usda-hb-3555-13.12-1
  section: USDA HB-1-3555 13.12 — Loan Closing For Manufactured Housing
  description: '13.12 Loan Closing For Manufactured Housing: 10-12-23) PN 594 Guidance documents lack the force
    and effect of law, unless expressly authorized by statute or incorporated into a contract. USDA may not cite,
    use, or rely on any guidance that is not available through their guidance portal, except to establish historical
    facts.…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §13.12 — Loan Closing For Manufactured Housing
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: '10-12-23) PN 594 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts. Additionally, both the unit and the site
      must be evidenced by a recorded mortgage or deed of trust. A combination of a chattel and real estate mortgage
      is not acceptable. If the certificate of title cannot be surrendered, the lender must indicate its lien on
      the certificate of title. SECTION 3: MODULAR HOMES Modular homes are sectional prefabricated houses that consist
      of multiple modules or sections which are typically manufactured in a remote facility and delivered to their
      site of intended use. They differ from manufactured homes largely in their absence of axles or frame. Modular
      dwellings are commonly transported to their site by means of flat-bed trucks and set in place with the assistance
      of a crane. Modular homes, whether “off frame” or “on frame”, are considered stick-built homes; therefore,
      the guidance outlined in Chapter 12 of this Handbook will be followed for new and existing modular homes.'
    drafter_attestation: Verbatim from HB-1-3555 §13.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
- id: usda-hb-3555-13.12-2
  canonical_id: usda-hb-3555-13.12-2
  section: USDA HB-1-3555 13.12 — Loan Closing For Manufactured Housing
  description: '13.12 Loan Closing For Manufactured Housing: 10-12-23) PN 594 Guidance documents lack the force
    and effect of law, unless expressly authorized by statute or incorporated into a contract. USDA may not cite,
    use, or rely on any guidance that is not available through their guidance portal, except to establish historical
    facts.…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §13.12 — Loan Closing For Manufactured Housing
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: '10-12-23) PN 594 Guidance documents lack the force and effect of law, unless expressly authorized
      by statute or incorporated into a contract. USDA may not cite, use, or rely on any guidance that is not available
      through their guidance portal, except to establish historical facts. CHAPTER 14: FUNDING [Official Agency
      Use Only]'
    drafter_attestation: Verbatim from HB-1-3555 §13.12 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
