FAQ
Do You Have Questions? Want To Learn More About Our Process?
Dealing with mobile home titles in South Carolina can be a challenge. Below are answers to some common questions.
In South Carolina, a mobile home is considered a vehicle unless it goes through the de-titling aka retirement process. This combines the mobile home with the land into one property.
There are several benefits:
- Homeowners get a single tax bill covering both their property and land.
- Expanded financing choices: Homes that are de-titled are typically eligible for a traditional mortgage. This can also allow homeowners to tap into their equity.
You can. However, completing the necessary steps at the county and the SCDMV can be overwhelming unless you are familiar with the procedures and forms.
Absolutely. Each instance is unique and this can be an easy fix or a more complex one. The timing can vary greatly.
If we are de-titling then we need the mobile home title, some basic information about the property, and we will have you sign a specific power of attorney that authorizes us to work with the county and the SCDMV on your behalf. Depending on the county and the complexity of the situation it can take anywhere from 2-8 weeks.
For title issues and research we will need the VIN number to get started and possibly more information depending on the case.
- Closing attorneys – we know firsthand the headache that mobile home title issues/de-titling can cause when you have other closings in the pipeline. We will happily take this off your plate.
- Real Estate Agents – are you listing a property and not sure if it’s de-titled? Or, do you want to get ahead of the game and get it de-titled before listing it? This is advantageous so that the closing is not delayed due to lender requirements.
- Homeowners – do you want to tap into your home’s equity and get a traditional mortgage? You will most likely need to have it de-titled.
- Lenders – want to ensure that the mobile home will be de-titled properly? Reach out to us.