Mobile home cheat sheets

Scannable, one-page references on common topics. Each cites the controlling statute and links to the official source. They are general information, not legal advice.

National

• Common mobile home park lease terms

  Plain-language definitions of the terms that commonly appear in a mobile home park lot lease — lot rent, pass-through, sell-in-place, change of use, and more.

• Mobile home chattel loan red flags

  Warning signs on a mobile home chattel (personal-property) loan — high rates, balloon and prepayment terms, single-lender steering, and how chattel financing differs from a mortgage.

• Mobile home chattel-to-mortgage refinance

  Refinancing a mobile home chattel loan into a real-estate mortgage — what it requires, the role of land ownership and affixation, and the federal loan programs that can help.

• Mobile home dealer fraud warning signs

  Common mobile home dealer and sales red flags — yo-yo financing, blank documents, inflated bundled values, and surprise fees at closing — plus where to report problems.

• Mobile home eviction defense reference

  How a mobile home lot eviction generally works — required grounds, notice periods, cure rights, the bar on self-help, and where to get help fast.

• Mobile home habitability complaints

  What habitability covers in a mobile home park, how to document a problem, the notice-and-repair process, and where to escalate when the park won't fix a hazard.

• Mobile home inheritance quick reference

  What an heir handles with an inherited mobile home — the title or deed, the estate process, any loan, ongoing lot rent, and the park lease.

• Mobile home inspection red flags

  Physical warning signs to look for before buying a mobile home — foundation and frame, floors, roof, plumbing, electrical, and a missing HUD tag or data plate.

• Mobile home insurance claim red flags

  Pitfalls in a manufactured home insurance claim — coverage gaps, flood exclusions, weak documentation, missed deadlines, and costly force-placed coverage.

• Mobile home lease clause warning signs

  The clause types that commonly raise questions in a mobile home park lot lease — waivers, self-help, undisclosed fees, and sale restrictions. General guidance, not a review of any specific lease.

• Mobile home loan document red flags

  What to scrutinize in mobile home loan paperwork — APR vs. note rate, balloon and prepayment terms, blank fields, padded add-ons, and missing disclosures.

• Opportunity to purchase quick reference

  Resident opportunity-to-purchase and right-of-first-refusal laws — how notice of a mobile home park sale works, who qualifies, the timelines, and how to act fast.

• Mobile home park pass-through fee rules

  When a mobile home park can pass on costs like taxes, water, and trash — the disclosure and notice rules, the line between rent and pass-throughs, and what to check.

• Mobile home park records request

  The records a resident can request from a mobile home park — the lease, rules, fee and utility statements, disclosures, and rent history — and how to ask in writing.

• Mobile home park rule change overview

  How mobile home park rule changes generally work — advance notice, mid-term limits, reasonableness and uniformity, and the protections against retroactive rules.

• Mobile home sale process reference

  The steps in selling a manufactured home — clearing title and liens, the park's sale rules, buyer approval, settling taxes, and completing the bill of sale.

• Mobile home storm prep reference

  Preparing a mobile home for severe weather — anchoring and tie-downs, an evacuation plan, documents and photos, insurance, and the community shelter plan.

• Mobile home submetering rights overview

  How mobile home parks bill utilities through submetering or allocation, the markup and itemization rules many states require, and what to check on a utility bill.

• Mobile home title transfer reference

  How a mobile home title transfers — certificate of title vs. deed, clearing liens, matching serial/HUD numbers, tax clearance, and converting to real property.

• Resident-owned community formation

  How residents form a resident-owned community (ROC) to buy their mobile home park — the cooperative model, the steps involved, and where to get help.

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