Can you put a mobile home on a plot of land?

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Can you put a mobile home on a plot of land?

Some restrictive covenants may not even allow you to put a mobile home on your plot of land. If you haven’t bought your land yet, but you’re planning to put a mobile home on it, you’ll want to look the property deed over very carefully for any regulations.

What happens if I want to live in my mobile home?

I want to live in it. they wont allow it to be moved but dont want me on thier property what is my rights. Ask a lawyer – it’s free! This is a very complicated situation. Normally, mobile homes are titled personal property (just like a car) and the ownership of them is separate from the ownership of the real estate.

Can you put a manufactured home on your property?

Yes, you may put a manufactured home on your property. However, we’ll need to take the time for a brief overview of the requirements you’ll face. We’ll also look at some tips to be aware of before you press forward.

Can a person claim ownership of a mobile home?

Even if you have ownership of the mobile home, you cannot just… This is a pretty complicated question and the answer depends on a bunch of facts which are not discussed in your question. Typically, if you leave something that is yours on someone else’s property for long enough, they will be able to make a claim that it is theirs.

Some restrictive covenants may not even allow you to put a mobile home on your plot of land. If you haven’t bought your land yet, but you’re planning to put a mobile home on it, you’ll want to look the property deed over very carefully for any regulations.

Who is the mobile home Lady in Florida?

Welcome to The Mobile Home Lady. We are the experts in mobile homes and strive to provide the utmost in service to all our clients. Are you ready to start the search for the perfect home for your family? There are so many great options of modular prefabricated homes.

Who is the next of kin of a mobile home?

These persons would be your next of kin: spouse, kids, grandkids, etc. But it may be that you put your mobile or manufactured home onto real estate you owned and cancelled the mobile/manufactured home title by filing and recording Form BCC-961 Affidavit of Affixture of Manufactured Home.

Can a manufactured home be considered a vehicle?

However, since that date in 1976, there have been no mobile homes built and manufactured homes are not considered vehicles. Transferring mobile home titles (or manufactured homes, when the title isn’t surrendered and the home becomes part of a piece of real estate) is done similarly to vehicle titles, but there are some differences.

However, since that date in 1976, there have been no mobile homes built and manufactured homes are not considered vehicles. Transferring mobile home titles (or manufactured homes, when the title isn’t surrendered and the home becomes part of a piece of real estate) is done similarly to vehicle titles, but there are some differences.

These persons would be your next of kin: spouse, kids, grandkids, etc. But it may be that you put your mobile or manufactured home onto real estate you owned and cancelled the mobile/manufactured home title by filing and recording Form BCC-961 Affidavit of Affixture of Manufactured Home.

Can a manufactured home be transferred to real estate?

But it may be that you put your mobile or manufactured home onto real estate you owned and cancelled the mobile/manufactured home title by filing and recording Form BCC-961 Affidavit of Affixture of Manufactured Home. In such instance, your home is considered part of your real estate and is transferred with the real estate.

What do you do with a mobile or manufactured home?

The form can be found on the state website at: http://courts.mi.gov/Administration/SCAO/Forms/courtforms/estatestrusts/pc598.pdf. When your titled mobile or manufactured home is in joint names with rights of survivorship, there would also be no probate.

Do you get the title to your mobile home when you buy it?

Frequently, people that purchase mobile homes that are located on a parcel of land believe that the deed for the property will include title to the mobile home. But, that’s not the case. Even in a typical home sale, a home seller will give the buyer two documents when it comes to closing.

Can a mobile home be attached to a foundation?

You’ll have the foundation built first, and then you’ll have the mobile home delivered to your site, where it will be attached to the foundation. In other words, it has to be what is technically referred to as a manufactured home.

How can I get my mobile home classified as real property?

To get a mobile home classified as real property many states require the owner to retire the title. For example, Florida has one of the more complex mobile home title retirement systems. Once the title is retired and the warranty deed issued, future transfers will occur with deeds instead of the old title applications (source).

To get a mobile home classified as real property many states require the owner to retire the title. For example, Florida has one of the more complex mobile home title retirement systems. Once the title is retired and the warranty deed issued, future transfers will occur with deeds instead of the old title applications (source).

Frequently, people that purchase mobile homes that are located on a parcel of land believe that the deed for the property will include title to the mobile home. But, that’s not the case. Even in a typical home sale, a home seller will give the buyer two documents when it comes to closing.

What makes a manufactured home a mobile home?

With a working knowledge about your buying power, dream home ideas, family needs, and others, you will be able to make an informed decision. Manufactured homes are by definition mobile because they are custom-built and delivered to your property.

But it may be that you put your mobile or manufactured home onto real estate you owned and cancelled the mobile/manufactured home title by filing and recording Form BCC-961 Affidavit of Affixture of Manufactured Home. In such instance, your home is considered part of your real estate and is transferred with the real estate.

How can you find an ideal place to put your manufactured home?

Research the land carefully. Talk to anyone who can shed light on your decision. You might find other manufactured homes nearby on private land. Visit the owners to see how they like living where they do.

Can you put a mobile home on a property?

So, if you always just presumed you could plop a mobile home down on any old piece of property anywhere, you’re in for a disappointment. Even property that looks perfectly-suited to a mobile home in your eyes might not be a proper landing place. It could be that the property you want is zoned for commercial use.

What do you need to transfer a mobile home to a surviving spouse?

Sometimes, you will be asked for proof of heirship, such as a marriage license or a birth certificate. When you leave a surviving spouse, he or she would be your sole next of kin and the only one who needs to sign off to transfer the mobile home into his or her sole name.

Can a mobile home title be retired to become real property?

Retiring a Mobile Home Title to Become Real Property. To get a mobile home classified as real property many states require the owner to retire the title. For example, Florida has one of the more complex mobile home title retirement systems.

Can a family live in a mobile home?

Maybe you’ve already got a home of your own, but you need a place for family to live so they can be near you. Alternatively, you think you’d like to downsize, but you don’t want to move off your current property.

Is it legal to have a mobile home in your backyard?

Like it or not, simply owning property doesn’t give you the legal ability to do whatever strikes your fancy. While we’ve talked more about zoning here, the long and short of it is that your locality has certain laws that regulate what you can and can’t do on your property.

Do you need a permit to build a mobile home?

Typically, state regulations will focus on legal requirements of a mobile home installation. First of all, you’re most likely going to need a permit in order to put a mobile home on your land.

What kind of property is a mobile home?

Mobile homes attached to private land will likely be considered one of two types: real property or personal property. Real Property: When the original owner of the mobile home moved the home onto the land, he or she legally joined/married the two pieces of property (mobile home and land) together as one legal description.

Maybe you’ve already got a home of your own, but you need a place for family to live so they can be near you. Alternatively, you think you’d like to downsize, but you don’t want to move off your current property.

Where can I find a mobile home park?

When searching through online listings, you’ll often find a mixed bag of single lots and entire parks. Naturally, entire parks will cost significantly more, but often come with a home on the property that you can live in while enjoying income from those renting lots in the park.

How can I find out if my mobile home is part of the sale?

Dig out your closing documents to see if you have anything that shows that the mobile home was part of the sale. Once you find that documentation, you can see if anything you have helps show that you are the legal owner of the mobile home but for the certificate of title.

How do you pay tax on a mobile home?

Paying sales and use tax, which usually will be assessed and collected when you register the home with the state motor vehicle agency and have title to the mobile home transferred to your name. Making certain the home is registered in your name with the state and local property tax authorities.

What happens when you Wholesale a mobile home on private land?

When wholesaling mobile homes that are attached to private land you’ll be selling/assigning your Purchase Contract to another investor or end-user buyer for a specific Assignment Fee.

Like it or not, simply owning property doesn’t give you the legal ability to do whatever strikes your fancy. While we’ve talked more about zoning here, the long and short of it is that your locality has certain laws that regulate what you can and can’t do on your property.

Can a manufactured home be built on public land?

Outside of public zoning requirements, you may have to factor in any private restrictive covenants you agreed to when purchasing the property. If there were any restrictive covenants attached to your land, it would have been in the property deed you signed when purchasing the property.

How to move your mobile home out of a park?

Wherever your dream home location, let’s explore how to move your mobile home out of a park and onto private property. Obviously, what you have going on here is a moving process. But, keep in mind that it includes both the responsibilities for moving out of your mobile home park and the responsibilities of moving onto your private property.

Is it cheaper to put a mobile home in a park?

Putting a mobile home in a park is cheaper in the short term, but over time it will cost you more money due to the cost of renting mobile home space every month. Here I will touch on the steps that you will need to take if you decide to put a manufactured home on a piece of vacant land.

Which is better a mobile home or a manufactured home?

Manufactured or “mobile” homes that are placed on a foundation will retain their value far longer than a manufactured home placed in a mobile home park. Putting a mobile home in a park is cheaper in the short term, but over time it will cost you more money due to the cost of renting mobile home space every month.

Are there used mobile homes for sale by owner?

Used Mobile Homes For Sale By Owner – Action Now Protect Mobile Home Parks. Following Dramatic Events Surrounding Possible Sale Only Mobile Home Park Palo Alto Huge Abuse One Owner Has Land Rights Eject Folks Their Homes His Personal Profit Million Reports Wall. Mobile Homes Sale Ebay.

Can a manufactured home be classified as personal property?

A manufactured home is not is almost always titled as personal property when it is purchased new. If you own the land that a mobile home is on but it isn’t permanently installed it will remain classified as chattel. The advantage of a personal property classification is usually lower taxes.

Who is responsible for titling a double wide mobile home?

Therefore, a double wide will have 2 titles, a triple wide 3. State Agency Responsible for Mobile Home Titling In the majority of states, the Department of Motor Vehicles will be the agency you need to deal with regarding mobile home titles.

Can a estate transfer ownership of a mobile home?

If the estate goes through probate, most states will allow the estate’s executor or administrator to transfer ownership of the mobile home after probate is complete.

How can a next of kin get ownership of a mobile home?

If there is no surviving spouse, the next of kin can obtain ownership of the mobile home. In either case, the relative applying for ownership must fill out a form and provide a copy of the deceased person’s death certificate.

Who is the owner of my father’s house?

If it was joint with right of survivorship with another individual (e.g. your stepmother), then that surviving person would own the property. If the property was simply owned jointly, then that portion owned by your father would have passed to his estate. If he had a will, the terms of the will would control disposition of the property.

Is there such thing as a DIY move for a mobile home?

There’s no such thing as a DIY move when you’re relocating with a mobile home in tow. That’s because the laws on moving a mobile home require that you work with a licensed, bonded, and insured professional moving company to move the actual structure of your home.

Is it against the law to move a mobile home?

If your mobile home was built prior to when the HUD codes were enacted in 1976, then you’re probably not going to be allowed to move it. And most municipalities bolster this law with their own age limits, as well as strict local requirements around modern day building standards for the home and its internal systems.

How long does it take for someone to own your land?

In some states, it’s just a few years, but other states require up to 20 years or more. During that time, the person’s use of the property must meet several criteria: They must demonstrate actual possession by changing the land in some way – building a fence, cutting trees, mowing – as opposed to just walking on it.

Where can I find the owner of an abandoned mobile home?

You should be able to find the mobile homeowner through your DMV or county tax records. If you come across a bank-owned property with an abandoned mobile home on the land, be sure to check your Register of Deeds for the foreclosure documents and see if the mobile home is included.

Who are the buyers of a used mobile home?

Used mobile home buyers will likely take 3 forms: cash buyers, new bank loan buyers, and payment buyers. A. A cash buyer that is interested in a used mobile home for sale will be the minority of buyers you speak with.

Can a mobile home be attached to real property?

Owners of real property on which an untitled mobile home has been placed may record a Declaration of Intent to Affix the mobile home to the real property with the Register of Deeds in the county where the real property is located.

You should be able to find the mobile homeowner through your DMV or county tax records. If you come across a bank-owned property with an abandoned mobile home on the land, be sure to check your Register of Deeds for the foreclosure documents and see if the mobile home is included.

A manufactured home is not is almost always titled as personal property when it is purchased new. If you own the land that a mobile home is on but it isn’t permanently installed it will remain classified as chattel. The advantage of a personal property classification is usually lower taxes.

You’ll have the foundation built first, and then you’ll have the mobile home delivered to your site, where it will be attached to the foundation. In other words, it has to be what is technically referred to as a manufactured home.

Can you put a home on a piece of land?

However, before you do so, you’ll have to get your soil tested. You’ll need to make sure that it passes all the necessary regulations. If your soil doesn’t pass these tests, you won’t be able to legally put a home on your piece of land.

Therefore, a double wide will have 2 titles, a triple wide 3. State Agency Responsible for Mobile Home Titling In the majority of states, the Department of Motor Vehicles will be the agency you need to deal with regarding mobile home titles.

What are the legal requirements for a mobile home?

What are the legal requirements? 1 State regulations. Typically, state regulations will focus on legal requirements of a mobile home installation. 2 Zoning regulations. Zoning regulations deal with topics like the size and appearance of a mobile home. 3 Restrictive Covenants

What are the rules for lease of land?

6. The lease of the plot shall at no point create any ownership rights in favour of the LESSEE and the ownership of the land shall remain with the LESSOR. 3 7. The Leased land / plot shall not be transferred or conveyed to any other person(s) or otherwise dealt or disposed before the implementation of the project.

What’s the difference between lot rent and plot rent?

A lot rent is a rental or lease contract on a lot of land, also known as a site rent or plot rent depending on where you are from. Here, you pay a set fee per month to establish your mobile home on the lot, access park amenities, and live in the park.

How does a double wide mobile home loan work?

Generally, a double wide is constructed in two separate units within a factory environment. The two units are then hauled to the site and joined together. A double wide home loan is a mortgage program that allows borrowers to finance the purchase of a home of this type as well as the lot it sits on.

What happens to the title of a mobile home?

Most states title mobile homes as vehicles rather than real estate. When an individual dies, his estate, which can include real property, vehicles, bank accounts, stocks and personal property, typically passes to beneficiaries and relatives.

How do parents sign their house over to their adult child?

It has become common for aging parents to transfer the deed to their property to their adult children. Signing over the interest in the property, whether land or house, can be done in several ways.

What happens when you remodel a mobile home?

When the homes are finished, we have quickly sold every home we’ve done for a profit. This is a common myth that circulates. But, we’re here to tell you that any structure, apart from the land it sits on will depreciate over time if it is not maintained well. This is true of commercial building, site-built homes and manufactured homes.

Is it smart to know how manufactured homes are constructed?

Knowing how manufactured homes are constructed is smart for those looking to remodel an older mobile home or buy a new manufactured home. Over the years, the manufactured home builders have tweaked their building processes down to a fine science and the quality of the homes has increased significantly.

Can a mobile home be classified as real property?

The answer is yes and no. Real property includes mobile homes affixed to land owned by the mobile homeowner. If not, then the dwelling is classified as personal property. If you can reclassify your mobile home to real property, you might find it beneficial. You could be eligible for better financing and certain tax deductions.

When wholesaling mobile homes that are attached to private land you’ll be selling/assigning your Purchase Contract to another investor or end-user buyer for a specific Assignment Fee.

Outside of public zoning requirements, you may have to factor in any private restrictive covenants you agreed to when purchasing the property. If there were any restrictive covenants attached to your land, it would have been in the property deed you signed when purchasing the property.

Can a mobile home be joined to land?

If a mobile home is legally joined to a parcel of land then it may be unmarried and separated as well, assuming there are no liens on either property. This is how mobile home owners upgrade an older manufactured home to a newer manufactured home while staying on the same parcel of land.

Is there a lot for sale for a mobile home?

Already have a mobile home and just need a lot to purchase? Search below to find the perfect mobile home lots for sale. Mobile Homes (current) For SaleFor RentNew Homes

Can you invest in a mobile home on private land?

Even many mobile home investor shy away from investing in mobile homes attached to private land when first beginning to invest in mobile homes. Mobile homes attached to private land sometimes fall into a weird unfamiliar-zone for many investors.

Which is the best way to make an offer on a house?

Helping a buyer may be the best way to get a home sold. Whether you’re buying or selling, make sure a real estate agent and/or an attorney evaluate all terms in the offer and counteroffers. As soon as both parties accept the written offer, you have a legal contract. Natalie Way is a senior editor at realtor.com.

What are the regulations for a mobile home?

Different regulations may apply to each state and city. Because of this, it’s a good idea to visit with a city or county building code enforcement officer before you get too far into your project. Zoning regulations deal with topics like the size and appearance of a mobile home.

Can a manufactured home be placed on a lot?

Manufactured Homes Placed on a Leased Lot. For Title I insured loans, borrowers are not required to purchase or own the land on which their manufactured home is placed. Instead borrowers may lease a lot, such as a site lot within a manufactured home community or mobile home park.

What do you need to know about closing on a mobile home?

The buyer and seller sign a conditional purchase agreement. The purchase agreement outlines the terms of the sale and makes it contingent upon conditions such as a satisfactory inspection, appraisal and financing approval. The buyer hires an inspector and appraiser to assess the manufactured home.

What to do with an old mobile home?

Remove and replace the skirting around the home. Tear down the dilapidated shed at the side of the house. Replace the HVAC unit with a refurbished one. Reuse all of the original cabinetry and countertops; painting them out. Replace the interior doors and hardware. Replace all of the moldings at the ceiling, floor and between each wall panel.

Where can I find a mobile home for sale?

Today, MobileHome.net is one of the top sites to find mobile homes for sale and foreclosed mobile homes. There is a wealth of free resources about mobile home builders, modular home models, manufactured housing governmental agencies, and manufactured housing census data.

Can a current owner of a mobile home sell it?

The current owner of a mobile home can, of course, sell it just like any other home or piece of property.

What are the responsibilities of a mobile home park owner?

The law gives you 3 days to fix these issues after such an event, but you will have to submit written proof of the delay. It’s also the mobile home park owner’s responsibility to have a plan in place in case of an emergency. All lots must have at least enough space for two parked cars.

Can a first time home buyer buy a mobile home?

Most first-time home buyers only consider site-built single-family homes, but have you considered buying a mobile home or manufactured home? Mobile and manufactured homes, while not as popular, have one big advantage: They typically offer more space or amenities for the money.

When do you own a trailer and rent a lot?

If you own your trailer and rent a lot in a mobile home park, If your landlord tries to retaliate against you, you may be entitled to whichever is Page 1 of 11 If you own your trailer and rent a lot in a mobile home park, trailer court, or trailer park, there are some important facts that you need to know about eviction.

How are mobile home parks bought and sold?

Most mobile homes bought and sold inside of mobile home parks are done utilizing cash or owner financing. That is to say when you are planning to purchase a used owned mobile home in a park you are most likely paying cash, arranging conventional, and/or arranging owner financing to purchase your new home.

The law gives you 3 days to fix these issues after such an event, but you will have to submit written proof of the delay. It’s also the mobile home park owner’s responsibility to have a plan in place in case of an emergency. All lots must have at least enough space for two parked cars.

What are the rules for buying a mobile home?

Often trash, water, sewage, and park maintenance are covered by your dues. You’ll also need to follow the rules of the HOA, which might limit which colors you can paint your house and where you can park, among other things. Mobile homes lose value over time.

Why do you need to consider buying a mobile home?

You should consider buying an older mobile home, because most depreciation on the structure itself will have passed. I figure that at the time I sold my home for $45,000 the mobile itself, if it was taken away, was worth less than $5,000. The total value was in the fact that it was a livable place on a piece of property. It still is. 3.

Can you buy a mobile home without a title?

Many buyers are afraid to buy a mobile home and land property without title to the mobile home, and the seller is left with a smaller buyer pool, thus reducing the price of the property. Throw in a little time passing without offers, and you may have a motivated seller on your hands.

Can a mobile home be converted to real estate?

If you own the home as well as the land it’s on, you can go a long way to rectify that. If you own the land, you can permanently affix your home to it. Converting a mobile home to real estate is quite common, and you can easily find services to do this for you.

Can you buy a mobile home with land?

Yes, that’s right. Buying a manufactured home with land makes it easier for you to get a loan. It’s harder to get one if you’re just buying a mobile home. If the mobile home isn’t permanently installed on land, it’s not considered real property.

Are there any problems with buying a manufactured home?

Buying partial ownership can be a problem. If a company has the right to use the land for some purpose that is not readily visible, then you may not have the right to put a manufactured home on the property. Buried utility lines and gas and oil pipelines are examples.

Dig out your closing documents to see if you have anything that shows that the mobile home was part of the sale. Once you find that documentation, you can see if anything you have helps show that you are the legal owner of the mobile home but for the certificate of title.

Is it legal to sell a used mobile home?

Our daughter bought a used 1983 Skyline mobile home. Does it contain asbestos? sale of mobile and not the land. can i sell my mobile home which is not on a permament foundation, but i have currently a mortgage encumburing the land its on? Is it legal or not?

How to choose the best land for your manufactured home?

If you are thinking about buying land to put your manufactured home on, then discuss the implications with the local governmental activity or a legal representative. Research the land carefully. Talk to anyone who can shed light on your decision. You might find other manufactured homes nearby on private land.

Is the Broken Arrow mobile home the same as in 1972?

I own a 1972 manufactured home Broken Arrow and want to move it on to five acres of land. It is pretty much the same as it was in 1972, will I have to …

What are the land requirements for a mobile home?

1 Zoning. Zoning laws are different from one county or city to another, and it’s critical that you check the zoning laws on your property to make sure the property can 2 Septic Requirements. Another critical requirement for land that will be boasting a mobile home is whether it will support a septic system. 3 Anchoring.

Which is cheaper to buy a house or a mobile home?

However, while buying a mobile home may be cheaper than buying a much larger house that doesn’t mean that buying a mobile home is less difficult than buying other pieces of property. There are certain, necessary requirements that must be met, and the place to begin checking is with the land requirements.

How big is a HOA for a mobile home?

The HOA includes garbage, water and sewer. Cozy Mobile Home with lots of updates! This mobile home features 2 bedrooms, 1 bath, outdoor laundry area, and lots of storage.

How much is a mobile home in Lakeland FL?

Listing brokered by Integrity Mobile Home Sales (941)345-5583 Beautiful 2 bedroom, 2 bath in 55+ Mobile home in Lake Bonny Community. New plumbing, central heat/air. New hot water heater. New Kitchen appliances. Totally remodeled. Must see. Lot rent is $493. 912-401-7260

Mobile homes attached to private land will likely be considered one of two types: real property or personal property. Real Property: When the original owner of the mobile home moved the home onto the land, he or she legally joined/married the two pieces of property (mobile home and land) together as one legal description.

Can a real estate investor invest in a mobile home?

Creating value and making money with mobile homes on private land, outside of pre-existing mobile home parks, is not typically a real estate niche that many real estate investors consider pursuing. Even many mobile home investor shy away from investing in mobile homes attached to private land when first beginning to invest in mobile homes.

Research the land carefully. Talk to anyone who can shed light on your decision. You might find other manufactured homes nearby on private land. Visit the owners to see how they like living where they do.

What makes a good landscape for a mobile home?

Using the shape and height is important in landscape designs for mobile homes. You can use trees to create a frame around the home or a feature of the home, use trees to create a line to follow toward an areas, or just create privacy and shade. Trees are also great tools for energy efficiency.

How can you tell when a mobile home was built?

Any one of those three places in the home will either tell you exactly when the home was built or provide info that can lead you to it fairly easily. Homes built before the 1976 HUD takeover of mobile home standards did not have to meet any of these requirements.

If your mobile home was built prior to when the HUD codes were enacted in 1976, then you’re probably not going to be allowed to move it. And most municipalities bolster this law with their own age limits, as well as strict local requirements around modern day building standards for the home and its internal systems.

How to get a moving company to move your mobile home?

Where to Start 1 Contact the Building Commissioner in the town you are seeking to move your mobile home to. 2 Get your title certificate and county treasurer certificate in order. These are the documents that prove (a) you own the property and (b) there are no taxes due on it 3 Hire a moving company. …

Can a house be on someone else’s property?

We were going through a forclosure. My mobile home was on someone elses property. The mortgage company could not move or seize the home due to getting it off thier property was impossible due to a damaged bridge that can not hold that kind of weight. The home is now mine and in my name.

How can I make someone move their mobile home off of my land?

Get the deed from the estate, or if there is some other paperwork, have whatever probate or other documents demonstrate that you now own the land. If you have any information about the mobile home and its owner, when it was put on the land, etc., get all of…

What should I know before putting a mobile home on my property?

A warning: check your state law and city or county building codes well before you start the process of putting a mobile home on your land. Different regulations may apply to each state and city. Because of this, it’s a good idea to visit with a city or county building code enforcement officer before you get too far into your project.

How old do you have to be to move a mobile home?

If your mobile home is more than 10 or 15 years old, expect to go through a bit of legwork providing accurate proof of the integrity of its structure and systems. Modern day building standards are in place for a reason, and there’s no getting around these laws if your property isn’t meeting the bar.

Can a house be built on land owned by someone else?

The loan would be under my name but I understand that my parents would be guarantor seeing as they own the land. Anyone with any experiences? I’m not a lawyer, but from my understanding, fixtures to land become part of the land and it is very difficult to then separate them. So, the land owner would own your house also.