Texas State law

[Donna Baca]

There was a bill passed that came into affect in Jan. 2002. I don't know the number of the bill; however, it stated that you could not put a mobile home on a tract of land without rolling the land into the loan for the mobile home as a land/package deal. I know this was to protect the mortgage companies because there were so many people defaulting on mobile home loans and the brokers were not able to recompense the losses by taking the land.
But part of this bill also included something to the tune that you also could not put any mobile home on a tract of land if the home did not have a composition roof and a certain type of siding.
I know that several of the small business mobile dealers here in Waco, TX were forced out of business because of this law. They had too many "low end" mobile homes on their lots with metal roofs and this law meant that they could only sell them to someone that was going to put the home in a mobile home park. As most people want to put them on a lot, the small companies went under and the larger ones felt the crunch also.
Last year, the mobile home manufacturers were supposedly lobbying to have this bill (whatever the # is) repealed or at least revised.
Here's my dilemma...I have a 1999 16 x 80 Southern Energy manufactured home.
I have been in a mobile home park for over 4 years now and for the last 2 have been trying to move my home to a tract of land. My home has a metal roof and not vinyl siding. Can I legally buy this piece of land and move my mobile home onto it? There are no restrictions in this rural area. I will have to get a loan for the land and the improvements (septic, etc.). Would the home have to be refinanced and made a part of the land loan?
Please tell me where I can go to find this out. I am desperate!!! The park has become filled with undesireable tenants that have loud music, loud foul-mouthed fights, and there is now a race track operating about a mile and half down the road so every Saturday night the sound drowns out everything until well into the morning hours.

[Deb]

HB 1869

We put our MH on land in 2001. Composition roof, etc. We never did combine our loans. In TX, you can claim it as a homestead so why bother. Wish I could help you out on this. Do a search on this site in each catagory for HB 1869, someone brought it up awhile back.
Deb