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Closing delayed. Again. [PA]

Hello all! Long time reader, first time poster here.

My husband I are currently in a weird situation trying to purchase our first home. Looking to hear from anyone who has ever experienced this or something similar, as everyone we are working with has not. This is in Pennsylvania.

A little backstory:

Home is a manufactured double wide on a permanent cement pillar foundation. It is sitting on 2 acres, moved onto the property in 2004. It has been someone's summer vacation home, so it's in great shape. We are doing a USDA loan and had the home inspected, water tested. All looks good. Sure, the bathrooms could use updating as far as fixtures and minor things like that, but we aren't picky. No red flags were discovered.

We have been approved with our lender initially, but it has not gone to USDA for approval yet, because there is no title for this home. Part of the process of buying a mobile home is retiring the title to real estate. Seller bought it as a model home from a manufacturer that is no longer in business. He is a really organized guy, had all other paperwork, but says he has no recollection of ever getting a title. The women doing the title search talked to us today and said that she has contacted PennDOT, tried multiple search resources, talked to other connections, and simply cannot find anything about it.

She is currently going to recommend to the seller's agent that they petition this in court to try to get some kind of proof of ownership, so that it can be transferred to us. Will a situation like that even fly with a government-backed loan?

Is there anything else we can do or be aware of with this process? As much as I'd love to get into this house, I know things are looking grim at this point.

submitted by /u/stark_aurora
[link] [comments]

source https://www.reddit.com/r/RealEstate/comments/gt2zlk/closing_delayed_again_pa/
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