Interesting dilemma - have a purchase of an in-park manufactured home (no dirt). The borrower will be granting a 2nd lien on the existing SFR, and listing the SFR to sell post-closing of the manufactured home. The SFR is the existing residence, and the manufactured home will become the new residence. The SFR will not be rented, only sold.

How does this get disclosed? Are both TRID documents (LE then CD for the 2nd on the SFR) and RESPA documents (GFE & TILA forms, then HUD for the manufactured home) required? If so, do all costs get listed on both documents? Seems very convoluted to me!

Assuming the SFR is residential "real" property then TRID applies to that transaction as well as 1026.23 (ROR).

If the manufactured home is a separate loan transaction neither TRID or RESPA applies since no dirt will be involved.

If it is a single loan transaction secured by both the manufactured home and the SFR then TRID applies due to the dirt. The Commentary to 1026.37(a)(6)(2) gives guidance how to disclose personal property.