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GeorgiaSB 1192025-2026 Regular SessionSenate

Manufactured or Mobile Homes; limited exceptions to circumstances under which a manufactured home shall become real property; provide

Sponsored By: Russ Goodman (Republican), Bo Hatchett (Republican), Harold Jones II (Democrat), Nikki Merritt (Democrat), Freddie Powell Sims (Democrat), Carden Summers (Republican), Sam Watson (Republican)

Signed by Governor

Banks & BankingBanking and Financial InstitutionsGeneral Bill

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 1 benefits, 1 costs, 1 mixed.

Unpaid lenders keep home removal rights

Beginning July 1, 2025, these rules apply to contracts entered into on or after that date. Converting a manufactured home to real property does not erase earlier liens or the lender's enforcement rights. Those rights and the lender's original payment priority remain until the lien is paid off or satisfied. An earlier lender enforcing those rights can remove the home without the landowner's or other secured parties' consent. That lender is also exempt from the law's usual removal procedures. Otherwise, removal requires written consent from the landowner and all security-interest holders, plus compliance with those procedures. Breaking the removal rule is a misdemeanor of a high and aggravated nature.

Simpler title rules for home lenders

Beginning July 1, 2025, these rules apply to contracts entered into on or after that date. Lenders using their preserved personal-property enforcement rights can get a new home title without providing the last title. Someone acquiring the home from that lender can also get a new title without the last title. The home stays personal property for all purposes until it is converted to real property again. Filing the location certificate and surrendering the title do not add licensing duties, required actions, or prohibited acts for lenders. This protection also covers their service providers and agents.

Easier manufactured-home conversion with filing rules

Beginning July 1, 2025, Georgia's law applies to contracts entered into on or after that date. Owners can convert a manufactured home to real property without lenders signing the Certificate of Permanent Location. The home must be or become permanently attached, and at least one home owner must also own an interest in the land. The owner must file the certificate with county real estate records and the state commissioner and surrender the home's title. The certificate lists owners, lenders, the title number, land details, and any other information the commissioner requires. Regular recording and certified-copy fees apply. Until conversion, the home remains personal property under vehicle-title rules; afterward, it can transfer with the land, subject to existing liens. The state keeps the title records and generally stops accepting title filings, except for corrections and specified legal exceptions. The commissioner confirms filing and title surrender, sends written notice to lenders at their addresses on file, and triggers notice to local property-tax assessors.

Sponsors & Cosponsors

Sponsors

  • Russ Goodman

    Republican • Senate

  • Bo Hatchett

    Republican • Senate

  • Harold Jones II

    Democrat • Senate

  • Nikki Merritt

    Democrat • Senate

  • Freddie Powell Sims

    Democrat • Senate

  • Carden Summers

    Republican • Senate

  • Sam Watson

    Republican • Senate

Cosponsors

  • Rob Leverett

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 221 • No: 0

House vote • 3/25/2025

PASSAGE

Yes: 168 • No: 0 • Other: 5

Senate vote • 3/6/2025

PASSAGE

Yes: 53 • No: 0 • Other: 3

Actions Timeline

  1. Effective Date

    7/1/2025

  2. Senate Date Signed by Governor

    5/14/2025Senate

  3. Act 286

    5/14/2025

  4. Senate Sent to Governor

    4/7/2025Senate

  5. House Third Readers

    3/25/2025House

  6. House Passed/Adopted

    3/25/2025House

  7. House Committee Favorably Reported

    3/20/2025House

  8. House Second Readers

    3/11/2025House

  9. House First Readers

    3/10/2025House

  10. Senate Tabled

    3/6/2025Senate

  11. Senate Taken from Table

    3/6/2025Senate

  12. Senate Third Read

    3/6/2025Senate

  13. Senate Passed/Adopted

    3/6/2025Senate

  14. Senate Read Second Time

    2/20/2025Senate

  15. Senate Committee Favorably Reported

    2/19/2025Senate

  16. Senate Read and Referred

    2/10/2025Senate

  17. Senate Hopper

    2/6/2025Senate

Bill Text

  • SB 119/AP* (v5)

    PDF

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