An affixation report is a PE-sealed document certifying that a manufactured home is permanently attached to its foundation and legally converted from personal property (chattel) to real property — so it can be titled, financed, refinanced, or sold as real estate. In practice it pairs a PFGMH foundation certification with a recorded Affidavit of Affixation.
A manufactured home leaves the factory as personal property — titled like a vehicle, with a DMV certificate of title. Before it can be mortgaged, refinanced, or sold as real estate, that title has to be retired and the home legally tied to the land. An affixation report is the engineering evidence that makes that conversion stick.
The home is titled like a vehicle. A lender can only make a chattel (personal-property) loan against it, usually at a higher rate and shorter term. FHA, VA, and USDA real-property programs are off the table.
The certificate of title is surrendered and the home becomes part of the real estate. It can now carry a real-property mortgage, be refinanced, sold with the land, and be taxed as real property.
"Affixation report" is the umbrella term. A complete report is built from two PE-sealed instruments that do different jobs — one structural, one legal.
People use these terms interchangeably, but they are not identical. The affidavit is one instrument inside the broader affixation report. Most files need both the PFGMH certification and the affidavit; a few edge cases — like a refinance on an already-converted home — need only one.
If a manufactured home is changing hands or changing loans, someone in the deal needs the home to be real property. That is when the report gets ordered.
FHA, VA, and USDA real-property mortgages require proof the home is permanently affixed. The report clears underwriting.
Title companies and escrow officers need the recorded affidavit to insure the home as real estate and surrender the old certificate of title.
Closing attorneys rely on the statute-correct affidavit so the conversion holds up and the deal records cleanly.
Submit the address, the recording county, and the target close. Acknowledgment within an hour. Quote same business day. Recorder-ready PFGMH certification and Affidavit of Affixation within five business days.