OnTheLevel is a One-Stop-Shop for lenders, realtors, escrow, title officers, insurance companies and homeowners who are involved in a manufactured home loan, real estate transaction or need additional seismic and wind retrofitting in California. Generally loan underwriting in California requires that a manufactured home have an approved “permanent foundation” or property “affixation. In California, the Affidavit of Affixture document is called a 433A. We regularly work with the building departments and the Department of Housing and Community Development (HCD) to pull permits and procure the 433A document. Additionally we install state approved Earthquake Resistant Bracing Systems to meet requirements for earthquake insurance.
We have over twenty-five years experience working with lenders and realtors, so we understand the long list of underwriting requirements specific to manufactured homes and know what it takes to complete a transaction. Let us work in tandem with you to meet loan and title conditions. We have a statewide network of engineers and contractors with decades of FHA/VA loan experience so we can be an adjunct to your processing, closing and underwriting department. Plus we protect your borrowers against unnecessary costs! Make OnTheLevel a part of your Manufactured Home Review Team!
In a sales or loan transaction with a manufactured home, the process is often frustrating and emotionally draining. Since we are intimately familiar with the loan process, we can reduce the confusion and mystery for you by working one-on-one with your realtor and lender. As a family-owned business, we have been serving the direct needs of manufactured home residents for 30 years. Our first and foremost concern is the successful completion of your sale, purchase or borrowing experience. Let us act as your emissary to create a seamless close so you don’t pull your hair out and spend needless money on a certification or retrofit, only to find out the loan has other issues. When you are interacting with us, you are not speaking with an order taker or an offshore data entry person. You are directly dealing with top line personnel with years of manufactured home field experience. Our working knowledge of the industry includes factory and dealer experience, site prep and installation, proprietary foundation systems, loan underwriting requirements and titling issues—so our vast specialty experience in manufactured homes sets us apart from any other company in California.
For the lender, investor, attorney or title officer with curative title problems in California, we offer a single point of contact for title resolution on real property, such as manufactured home not being correctly registered, prior lien not released, prior owner still on title, lien not off record or affixation (433A) not recorded. OnTheLevel should be a part of every California title company and escrow outsourcing team for manufactured homes. As new sales and lending transactions or foreclosures reveal past incorrect processing of registration or title endorsements, we can assist to correct those issues. In California most titling and registration involve the building departments, either to permit and install a permanent foundation system or to properly facilitate missing paperwork with building departments. Since California generally requires a working knowledge of both the local building jurisdictions Codes and Standards as well as the Department of Housing and Community Development Title and Registration Title 25 18551 guidelines, most title companies are not staffed to understand the contracting component that is inherent in every transaction. We have decades of experience in California navigating these issues. We have been specializing in the 433A process for decades and work state-wide in every building jurisdiction to resolve sticky curative title issues.
Anyone who has lived in California for some time has probably experienced what happens during an earthquake. The good news is that you can prepare your manufactured home for an earthquake. Implementing proper preventative measures can give you a better chance if your home is subject to the seismic upheavals of an earthquake. On The Level Contractors is ready to help you determine if your home is “earthquake safe” or if more stringent safety measures are necessary, including r installing a certified manufactured home earthquake resistant bracing system (ERBS).