Sheehan v. Mortgage Electronic Registration Systems, Inc. (Signed Opinion)
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The Supreme Court answered in the affirmative a question certified to it by the Bankruptcy Court for the North District of West Virginia, concluding that a manufactured home with a title issued by the Division of Motor Vehicles (DMV) may be converted to real property by operation of common law even when the home still maintains a motor vehicle title.
At issue was how, under state law, one can perfect a security interest upon a manufactured home that maintains both personal and real property characteristics. The Supreme Court determined that satisfying the requirements of Snuffer v. Spangler, 92 S.E. 106 ( W. Va. 1917) converts the legal character of a manufactured home from personal to real property such that a lien on that property may be perfected by deed of trust even if the home's owners have not cancelled the DMV title under the cancellation procedure of W. Va. Cod3 17A-3-12b(a).
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