WE
ARE ON THE LEVEL!
OnTheLevel is
a One-Stop-Shop for lenders, realtors, escrow, title
officers, insurance companies and homeowners who are involved in a
manufactured
home loan, real estate transaction or need additional seismic and
wind retrofitting. We have a national
network of service professionals that can provide turn-key
solutions for all your FHA/HUD foundation
compliance needs. And
in California, we are experts at title
perfection, working with the building departments and the
Department of Housing and Community Development (HCD) to pull
permits and record
the 433A document (California Affidavit of Affixture), as well as
Seismic Retrofitting using state certified Earthquake Resistant
Bracing Systems.
We have over
twenty years experience working with lenders and realtors, so we
speak your language and understand the long list of underwriting
requirements specific to manufactured homes. Let us work in tandem
with you to meet
loan and title conditions. We have a nationwide network of
engineers and retrofitters with decades of FHA/VA loan
experience so we can be an adjunct to your processing,
closing and underwriting department. Plus we protect your
borrowers against unnecessary costs! Make OnTheLevel a
part of your Manufactured Home Review Team!
In a sales or
loan transaction with a manufactured home, the process is
often frustrating and emotionally draining. Since we
are intimately familiar with the loan process, we can
reduce the confusion and mystery for you by working
one-on-one with your realtor and lender. As a family-owned business,
we have been serving the direct needs of manufactured home
residents for 24 years. Our first and foremost concern
is the successful completion of your sale, purchase or
borrowing experience. Let us act as your emissary to
create a seamless close so you don't pull your hair out
and spend needless money on a certification or retrofit,
only to find out the loan has other issues. When you
are interacting with us, you are not speaking with an
order taker or an offshore data entry person. You are
directly dealing with top line personnel with years of
manufactured home field experience. Our working
knowledge of the industry includes factory and dealer
experience, site prep and installation, proprietary
foundation systems, loan underwriting requirements and
titling issues---so our vast specialty experience in manufactured
homes, sets us apart from any
other nationwide company.
For the lender,
investor, attorney or title officer with curative title
problems in California, we offer a single point of contact
for title resolution on real property, such as manufactured home not
being correctly registered, prior lien not released, prior owner
still on
title, lien not off record or affixation (433A) not
recorded. OnTheLevel should be a part of every
California title company and escrow outsourcing team for
manufactured homes. As new sales and lending transactions
or foreclosures reveal past incorrect processing of
registration or title endorsements, we can assist to
correct those issues. In California most titling and
registration involve the building departments, either to
permit and install a permanent foundation system or to
properly facilitate missing paperwork with building
departments. Since California generally requires a working
knowledge of both the local building jurisdictions Codes
and Standards as well as the Department of Housing and
Community Development Title and Registration Title 25
18551 guidelines, most title companies are not staffed to
understand the contracting component that is inherent in
every transaction. We have decades of experience in
California navigating these issues. We have been
specializing in the 433A process for decades and work
state-wide in every building jurisdiction to resolve
sticky curative title issues.
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