RESPA (Real Estate Settlement Procedures Act)
A federal law governing disclosures and practices in real-estate settlement, which can apply when a manufactured home is financed as real property.
Published May 31, 2026
RESPA, the Real Estate Settlement Procedures Act, is a federal law that governs disclosures and certain practices in real-estate settlement transactions. It is designed to help borrowers understand settlement costs and to curb practices like undisclosed kickbacks among settlement providers.
RESPA is most relevant when a manufactured home is financed as real property — for example, with a mortgage on a home that has been permanently affixed to the owner's land and gone through title retirement. A chattel loan on a home treated as personal property may involve different rules.
RESPA is one of several federal consumer-finance laws — overseen in part by the CFPB — that can apply on the financing side. This is general information, not legal or financial advice.