Title: Manufactured Home Foreclosures & Repossessions | Nolo
Headings: Manufactured Home Foreclosures & Repossessions
Manufactured Home Foreclosures & Repossessions
If you default on your manufactured home loan, the lender may be able to retake possession of it through repossession or foreclosure.
Get debt relief now. We've helped 205 clients find attorneys today.
Understanding the Difference: Mobile Home, Manufactured Home, Modular Home
Mobile Homes and Manufactured Homes
Modular Homes
Manufactured Homes: Personal Property or Real Property?
Converting a Manufactured Home to Real Property
What Happens if the Manufactured Homeowner Defaults on the Loan?
Repossession of Manufactured Homes: Replevin and Self-Help
Foreclosure of Manufactured Homes
Manufactured Home Fixture Filings
If Your Manufactured Home Is a Fixture
If Your Manufactured Home Is Not a Fixture
For More Information

Content: Also, see our Key Aspects of State Foreclosure Law: 50-State Chart for more information about the foreclosure procedures in your state.) Manufactured Home Fixture Filings
In states that don't use a certificate of title, the security interest in the manufactured home is typically perfected through a UCC filing. Then, the manufactured home is considered a fixture. If you own the land your home rests on and have a mortgage on the property, but you don't complete all the steps to convert the manufactured home to real property, things can get complicated if you then default on your payments. If Your Manufactured Home Is a Fixture
If the manufactured home sits on land you own, the home may be considered a fixture if it has been permanently affixed to the land. In this type of situation, any mortgage on the land might potentially cover the manufactured home too, if the mortgage includes improvements. If this is the case, then you can't remove the manufactured home from the property (and you will lose it along with the land), if you stop making payments on the land. Example. Let's say you acquired the land first by taking out a mortgage to purchase it.