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My maufactered home is going to be reposed due to my heath problems. I owm the land it is on and it is not part of the mortgage. I havn't been notified yet but I know it is coming. what I need to know is how long does it take? It is a homestead. How many days will I have to get my property out of the house? Thanks, XXXXX XXXXX ?
Hello and welcome.
My name is XXXXX XXXXX my goal is to provide you with excellent service today. I am so very sorry to hear of your difficult situation. Before I can give you an accurate answer to your question, please provide the following additional information:
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THERE IS NO PERMANENT FOUNDATION , NO TIRES OR WHEELS, THERE ARE PERMANENT UTILITIES TO THE HOME. I HAVE BEEN HERE 15 YEARS.I AM IN TEXAS. IT IS HOMESTEADED. THANKS, XXXXX XXXXX
1. Once the borrower defaults on the loan, the lender mails Notice of Intent to Accelerate giving Debtor thirty (30) days to cure debt and any other additional fees;
2.If the borrower fails to cure the delinquency within the thirty (30) day period, the lender mails Notice of Acceleration of loan to the borrower;
3.After acceleration, the lender must typically file a lawsuit in the local court seeking a judgment for the past due payments and possession of the home via a writ. The borrower should be personally served with the summons and petition;
4.If the borrower fails to answer said suit, then the lendermay obtain a default judgment and proceed with the writ of possession if lender is still in possession of the mobile home.
This legal process typically takes at least several months, depending in part on the court's docket schedule and whether you do answer the petition filed with the court.
Here is a link which provides more information on the process:
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