MI manufactured home title bonds.
Flat 3%. Enter your amount.
When you can’t prove ownership of a manufactured (mobile) home, Michigan lets you get a bonded certificate of title — file a surety bond and the department issues the title. We write it at a flat 3% with no credit check; the amount is twice the home’s value as the department determines it.
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Apply to bonded title in one sitting.
No underwriting queue for the standard title bond — enter your amount, pay, and file for your bonded title. Here is the whole thing:
Apply online
Your details, the manufactured home, and the bond amount (twice the home’s value) — that is the entire application.
Issued on the spot
No credit check and no waiting — the executed bond is generated as soon as you pay. Larger amounts may get a quick review.
File for your bonded title
Submit the executed bond with your certificate of title application. Wet-ink originals mailed whenever the office insists.
The whole pricing page.
Bond amount × 3% = your premium, one-time per term, $275 minimum. Bond amount is twice the home’s value — enter it and the premium updates.
What it is and who needs it.
What the bonded title actually does
When you buy or inherit a manufactured (mobile) home and the paperwork is missing, lost, or defective, Michigan lets you establish ownership with a bonded certificate of title. You post a surety bond, the department issues a certificate of title in your name, and the bond protects anyone who later proves a superior claim.
The bond amount is twice the value of the home as determined by the department. It is conditioned to indemnify the department, any prior owner, any holder of a security interest, and any subsequent purchaser against expense, loss, or damage — including reasonable attorney's fees — arising from issuance of the title or a defect in the applicant's interest.
A Michigan manufactured home title bond typically runs a multi-year term (commonly cited as up to 5 years). If no valid claim is made during that period, a clean (non-bonded) certificate of title issues. Note: a separate affidavit process exists for homes affixed to land 15+ years with no missing payments — that route may not need a bond, so confirm which path applies to you.
You need this bond if you are
Five minutes, issued on the spot.
Submit the application with your bond amount (twice the home’s value) — the executed title bond is generated instantly, ready to file for your bonded title.
Start the application →Common questions.
If yours isn't here, the bond team can usually answer within the hour.
How much is the Michigan manufactured home title bond? +
How do I figure out the bond amount? +
Is there a credit check? +
What does the bond protect against? +
Do I always need a bond, or is there another route? +
Other New York bonds.
Bonded title, issued today.
Five-minute application, flat 3%, $275 minimum. Enter your amount and file for your bonded title the same day.