Michigan manufactured home title bonds.
From $100.
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; no credit check up to $25,000. The amount is twice the home’s value as the department determines it.
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How much does a Michigan manufactured home title bond cost?
1% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
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 application.
Issued on the spot
No credit check up to $25,000.
File for your bonded title
Submit the executed bond with your certificate of title application. Wet-ink originals mailed whenever the office insists.
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
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File for your bonded title. Submit the executed bond with your certificate of title application. Wet-ink originals mailed whenever the office insists.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $25,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued on the spot.
Submit the application with your bond amount (twice the home’s value) — no credit check up to $25,000 to fill out — and the executed title bond is generated instantly, ready to file for your bonded title.
Start the application →Common questions.
Other Michigan bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Bonded title, issued today.
Pricing from $100. Enter your amount and file for your bonded title the same day.