Manufactured Housing

PMH Financial offers MH communities, dealers, banks and financial institutions a complete and comprehensive outsource server center for their manufactured housing assets. PMH Financial has built a nationwide network of specialized contractors, attorneys, MH dealers, realtors, and MH valuation experts so we can offer our clients an end to end solution for their manufactured housing needs. We offer a full spectrum of services, all designed to create value for your portfolio.

Loan Servicing

Invoicing/Statements
Payment processing and disbursement
Impounds of taxes and insurance
Collections
Default management
Legal services management
Proactive Loss Mitigation
Remarketing management
Insurance recovery management
Portfolio analysis
Monthly investor statements
Proprietary in-house loan/property management software system

Legal Services

Occupancy verification
Initiate borrower contact - Obtain financials and identify intentions, curative resolution or voluntary surrender of home.
Certified NOD/RTC (Notice of Default / Right to Cure)
Piggyback on MCH writ to vacate
Replevin (nationwide attorney network, negotiated fee structures, timeline tracking)
Coordinate sheriff assisted lock-outs
Re-key, secure and winterize
Property inspections, repair check list with photos
File application and obtain repo title

Title Resolution

Transfer the Certificate of Title (chattel or land/home)
Confirmation of collateral location and current lien status
Cancellation of title to real estate

Collateral Recovery – Repo Disposition

Initial inspection of home (within 24 hours)
Re-keying, securing, winterization and trash/debris removal
Eviction coordination and relocation assistance (cash for keys)
Provide compressive NADA valuation (chattel appraisal if required)
Prepare and submit marketing strategy/plan
Offer negotiation and management
Contract review and closing coordinatio
Constant monitoring & supervision of all aspects of the repo process
Expense Management - Payment of utility and property level expenses; submission of reimbursement documentation; scanned invoices, pictures and check copies
Innovative web-based asset tracking and reporting systems