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Commissioners discuss lender confusion over "mobile" versus "manufactured/modular" home terminology; staff say county definitions align with state law
Summary
A Madison County resident told commissioners on Aug. 4 that a lender declined refinancing after county records listed the residence as a "mobile home." County staff advised that the correct legal categories are "manufactured" or "modular" homes and offered to assist with documentation.
A homeowner raised a refinancing problem at the Aug. 4 meeting after a lender balked at financing when the county valuation office identified the dwelling as a "mobile home." Commissioners and staff discussed whether county terminology could be confusing to lenders.
County staff and legal counsel reviewed the matter on the record, explaining that…
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