MI manufactured home title bonds.
From $100. 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. Pricing is 1% of the bond amount, $100 minimum; the application collects no credit information. The amount is twice the home’s value as the department determines it, and your exact price appears at the 60-second application.

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For owners with missing, lost, or defective proof of ownership of a manufactured home

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Amount is twice the home’s value as determined by the department

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Priced at 1% of the bond amount, $100 minimum — no credit fields in the application

1% rate$100 minimum premiumNo SSNin the applicationFastinstant underwriting for most

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How it works

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:

TODAY · 5 MINUTES

Apply online

Your details, the manufactured home, and the bond amount (twice the home’s value) — that is the entire application.

INSTANTLY

Issued on the spot

The application collects no credit information, so most owners don’t wait — the executed bond is generated as soon as you pay. Larger amounts may get a quick review, and any check that runs is a soft pull that never affects your score.

SAME DAY

File for your bonded title

Submit the executed bond with your certificate of title application. Wet-ink originals mailed whenever the office insists.

About this bond

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.

Michigan Mobile Home Commission Act (bonded title)Under Michigan's mobile home title provisions, an owner with insufficient proof of ownership may obtain a certificate of title by filing a surety bond in an amount equal to twice the value of the home as determined by the department. The bond indemnifies the department, any prior owner, any security-interest holder, and any subsequent purchaser against loss arising from the title issuance or a defect in the applicant's interest. A separate affidavit of missing title route (added by 2022 legislation, MCL 125.2330k) may apply to homes affixed to land for at least 15 years. Confirm the amount and the correct path with the department.

You need this bond if you are

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A buyer with no title — the seller never delivered one or it was lost

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Titling an inherited or gifted manufactured home with gaps in the ownership chain

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Holding a defective title the department won’t accept as proof of ownership

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Establishing ownership of an older home that never had a clear certificate of title

Five minutes, issued on the spot.

Submit the application with your bond amount (twice the home’s value) — no credit fields to fill out — and the executed title bond is generated instantly, ready to file for your bonded title.

Start the application →

FAQs

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? ▾

Pricing is 1% of the bond amount — twice the home’s value as the department determines it — $100 minimum. Enter your amount and your exact price appears at the application.

How do I figure out the bond amount? ▾

It is two times the value of the manufactured home as determined by the department. Establish the home’s value, then double it. If you are unsure, send us what you have and we’ll help you confirm the figure.

Is there a credit check? ▾

The application collects no credit information — most title bonds clear instantly with no credit section to fill out. Larger bond amounts may get a quick soft-pull review, which never affects your credit score.

What does the bond protect against? ▾

It protects the department, prior owners, security-interest holders, and subsequent purchasers against loss if there is a defect in your ownership or someone proves a superior claim. If a valid claim is paid, you repay the surety — it is not insurance for you.

Do I always need a bond, or is there another route? ▾

Michigan added an affidavit of missing title process (MCL 125.2330k) for homes affixed to land at least 15 years with no payments still owed — that route may not require a bond. The bonded-title path applies when you can’t use the affidavit. Confirm the correct path with the department.

Related bonds

Other Michigan bonds.

Bonded title, issued today.

Five-minute application, pricing from $100. Enter your amount and file for your bonded title the same day.

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