Clean Mobile Home Title

Having a clean or perfected mobile home title is extremely important —to both homeowners and lenders. Without a clean title, a previous owner of a mobile home could make claim to the home or allege that a fraudulent transaction occurred.

The lack of a perfected title can also impede resale of a home by an owner or even result in a homeowner losing their mobile home altogether. Litigation fees can run into many thousands of dollars trying to perfect a title after the fact. Without a clean title, there is no definitive proof the present “owner” is the legal owner.

Likewise, lenders will face serious problems during foreclosure or owner bankruptcy if a lien was never perfected. The lender could lose all claims to the property even if the borrower never pays for it. Other scenarios can create nightmares. If a financial institution lent money for real estate (land) and an improperly titled mobile home, the situation will become even thornier if a buyer defaults. Without a clean title, the lender may be required to move the mobile home off the land to gain possession of the land – at great expense – with no claim to the mobile home.

Another complication occurs if a previous lienholder’s security interest was never properly released. In that circumstance the prior lienholder may claim a first security interest preempting the new lender’s claims in foreclosure or bankruptcy. If a prior lienholder is no longer in business and was located in a state with unclear title clearance procedures, it may be necessary to file legal motions to resolve the situation.

The Law Office of Wendy A. Owens, P.C. helps a wide array of clients with mobile home clearance actions as well as mobile home property recovery actions in Georgia, North Carolina, and West Virginia. Thanks to our years of specialized experience with mobile home titles and transactions, we can effectively handle any manner of title disputes or problems. 

Contact our law offices today for professional legal assistance.

Call Today:

Law Office of
Wendy A. Owens, P.C.

5710 Ogeechee Road #200
Suite 288
Savannah, Georgia 31405
912-927-0705 (Fax)