Lender wants "vehicle" title on fixed MH

I'm in MARYLAND.....My renters are trying to buy my property that has a fixed mobile home double-wide on it. The deed is for the land and "all its improvements." The MH was purchased in Delaware by the former owner and wheels immediately removed, it was carted across the line to Maryland. Maryland doesn't required titling/registration of MHes over 35 feet, and neither MD or DE motor vehicle admins show a title record for this unit.

The lender INSISTS on a title for the "vehicle." The original owner says he never got one, I never saw one, and NONE of the lenders involved in my mortgage and refinance (seven total) have ever requested this. It seems the lender lost foreclosure cases in other states where someone had title to the MH, put the wheels back on and took it off the property, leaving only the land for the lender.

The lender won't even be satisfied that title insurance will protect their interest. Can anyone tell me:

1. What would happen in Maryland if someone showed up with a title to the MH? (The house has been recognized in Deed and Trust by Maryland and the County as real estate, it's taxed as real estate, etc.)

2. Is there a Maryland statute or case or authorized opinion I can give to the lender to show that, even if such a situation arose, the MH title holder would lose in court OR the title insurance WOULD cover both the land AND the MH title disputes, not just land disputes?

3. Is there any way in either MD or DE to GET a title issued for this unit? MD MVA said, "Hey, it's real estate, we don't do that." DE, I'm awaiting calls with the Title Div. of the DMV.

PLEASE HELP...the settlement date is a week past now, and the inspections will be no longer accepted soon.

Thanks.

[HomeGuru]

[quote]Originally posted by Riter
[b]I'm in MARYLAND.....My renters are trying to buy my property that has a fixed mobile home double-wide on it. The deed is for the land and "all its improvements." The MH was purchased in Delaware by the former owner and wheels immediately removed, it was carted across the line to Maryland. Maryland doesn't required titling/registration of MHes over 35 feet, and neither MD or DE motor vehicle admins show a title record for this unit.

The lender INSISTS on a title for the "vehicle." The original owner says he never got one, I never saw one, and NONE of the lenders involved in my mortgage and refinance (seven total) have ever requested this. It seems the lender lost foreclosure cases in other states where someone had title to the MH, put the wheels back on and took it off the property, leaving only the land for the lender.

The lender won't even be satisfied that title insurance will protect their interest. Can anyone tell me:

1. What would happen in Maryland if someone showed up with a title to the MH? (The house has been recognized in Deed and Trust by Maryland and the County as real estate, it's taxed as real estate, etc.)

2. Is there a Maryland statute or case or authorized opinion I can give to the lender to show that, even if such a situation arose, the MH title holder would lose in court OR the title insurance WOULD cover both the land AND the MH title disputes, not just land disputes?

3. Is there any way in either MD or DE to GET a title issued for this unit? MD MVA said, "Hey, it's real estate, we don't do that." DE, I'm awaiting calls with the Title Div. of the DMV.

PLEASE HELP...the settlement date is a week past now, and the inspections will be no longer accepted soon.

Thanks.

**A: I suggest you hire a real estate attorney to communicate with the lender's legal counsel.