How much time does a lending company have to notify a mobile home owner before taking reposessession of the home, in the state of Virginia.

RickJ

There are lots of variables. Also, it will be the court that officialy notifies you, not the lender...but back up a few steps; there's lots before that.

You'll get past due notices and warnings of default from the lender, no doubt...then they'll need to file in court to get the reposession...then you'll be notified of this by the court, including the court date. If the lender is granted the judgment, the court will tell you how long you have to vacate before the Bailiff sets you out.

...so how long you have depends on where you're at with it all now.

Have you received notification from the court? When was your last communication from the lender; and what was it?

Fr_Chuck

Thank you Rick,

I looked and looked and keep finding varible answers depending on if it was though the VA or Hud and the such. It seems though the Federal programs there are other rules that apply.

But yes, it will never be a surprise, as you said, dozens of late notices, a notice from the court, a court hearing and as you said a judgement. Then is the mobile home fianced with the land or merely just the home seperate. Once this happens you will get a court order to move out and turn it over,

Where in the process are you

excon

Hello Hefty:

Well, leave it to me to bring up those dreaded "variables" everybody is talking about.

What the other two experts say may very well be true. They are describing an ordinary foreclosure procedure. However, I suggest that a loan on a mobile home placed upon rented property MAY be classified in the same category as any personal loan, such as a car loan. If so, they don't need to give you ANY notice at all.

excon