So You Want to Affix Your Formerly Mobile Abode, Eh? A Guide to Getting an Affidavit of Affixture in Michigan
Living the dream of manufactured home ownership? Congratulations! But hold on to your house slippers just a sec. If you plan on transforming your mobile masterpiece into a permanent resident on a piece of land, you'll need an affidavit of affixture in Michigan. Don't worry, it's not a magical incantation that requires chanting furniture polish (although that might make the process more fun). It's simply a legal document that declares your once-roaming ranch a permanent fixture.
Now, before you dig out your finest calligraphy set (ballpoint works too, champ), there are a few things to know.
Why Do I Need This Thing Anyway?
Think of it like a commitment ceremony for your home and the land it's perched on. An affidavit of affixture unlocks a treasure trove of benefits:
- Financing Fun: This fancy document can open the door to snagging a sweet FHA loan, which might have otherwise steered clear of your formerly mobile digs.
- Property Value Power Up: By officially becoming part of the real estate, your manufactured home's value might get a boost. Boom!
- Selling Savvy: Thinking of putting your affixed abode on the market someday? An affidavit of affixture can make it more attractive to potential buyers.
Pretty neat, huh? Now, let's get down to the nitty-gritty of actually obtaining this magical piece of paper (or should we say, form?).
Affidavit Acquisition: A Not-So-Mobile Mission
Here's the roadmap to getting your affidavit of affixture:
The All-Seeing Eye of the Department of Licensing and Regulatory Affairs (LARA): Head over to the Michigan LARA website ([search affidavit of affixture michigan ON Michigan.gov]). There, you'll find the holy grail - Form BCC-961, the affidavit of affixture itself. Print it out, grab a pen, and get ready to channel your inner legal eagle (or at least a moderately attentive pigeon).
Paper Power: Fill out the form completely and accurately. Every blank space needs a buddy, so don't leave any information hanging out solo.
Title Time: Dust off the original title to your manufactured home. This is like your house's birth certificate, so treat it with respect (and maybe a sheet protector).
The Notary Nook: Find a notary public. They'll witness you signing the form, adding a layer of officialdom that makes it all very grown-up and stuff.
Fee Fi Fo Fum, I Smell a Filing Fee: There's a small filing fee involved, so be prepared to part with a few bucks (payable to the state of Michigan, of course).
The Waiting Game (Not Quite as Fun as the Name Suggests): Send the completed form, title, and fee to the address provided. Then, take a deep breath and wait patiently. The processing time is usually 7 to 10 business days, so channel your inner zen master.
Victory Lap!: Once approved, you'll receive the original affidavit back in the mail. Do a happy dance, high five a neighbor, or celebrate in whatever way tickles your fancy.
The Final Hurrah (Almost There!): Don't get too comfy yet! The affidavit still needs to be recorded with the Register of Deeds for the county where your land is located. One more small hurdle, and then you're officially done!
Remember: This guide is intended for informational purposes only. If you have any questions about your specific situation, it's always a wise move to consult with a lawyer or qualified professional.
Frequently Asked Affixture Fun Facts (How-To Edition)
How to find out if my manufactured home is already affixed? You can search the LARA website ([search affidavit of affixture michigan ON Michigan.gov]) to see if an affidavit of affixture has already been filed for your home's serial number.
How much does an affidavit of affixture cost? The filing fee is currently around $20, but it's always a good idea to check the LARA website for any updates.
How long does the affidavit of affixture last? An affidavit of affixture is permanent, just like your (now officially) affixed home!
How can I find a notary public? Many banks, courthouses, and shipping stores have notaries on staff. You can also search online for not
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