Manufactured homes must be converted from personal property to real estate and "fixed" to a parcel of land to become a permanent part of the property. This process can take time and requires the surrender of the physical title. If this isn't done, the lender may not issue the loan, and the collateral could move at any time. This issue often arises during the lender appraisal process and can take up to 90 days to resolve. It's important to address this issue early to avoid delays in closing.