I see. Thank you for the additional information, Roy.
Since it does not sound as though it is permanently attached to the land, the lender would typically be permitted to pursue foreclosure
as personal property rather than real property. If it were considered real property, then the lender would have to adhere to the same foreclosure process as though it were a brick, stucco, or wood home.
Claiming a homestead exemption
is normally irrelevant as to whether the home is treated as personal property or real property. As it appears it would be treated as personal property, the procedure for repossession would typically be as follows:
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:
I hope this helps clarify the situation for you. Please remember to rate my service once you have all the information you need. If you have any other questions, please ask me – I’ll be happy to respond. Thank you!