Behind on lot rent or payments on a Tennessee mobile home

Why arrears shrink your options

Most communities will not approve a transfer to a new owner while the lot account is past due. So the longer the balance grows, the more of your home's value gets consumed before a sale can even happen. The same logic applies to a loan: a growing payoff eventually exceeds what the home is worth.

Selling with a small balance owed is a normal transaction. Selling after an eviction or repossession process has started is a much harder one.

If a lender holds a lien

We need the lender's name and an accurate payoff figure. If the payoff is more than the home is worth, we will tell you straight, sometimes the answer is that a sale to us does not work and you should be talking to the lender about your options instead.

What we need to see quickly

How far behind you are and on what. Whether any notices have been served. The community or lender's name. The condition of the home. With those four things we can usually tell you within a day whether a sale is realistic.

This is not legal advice

Eviction, repossession and default carry legal consequences and deadlines. If you have received a court notice, talk to an attorney or a legal aid organization. We can move quickly, but we cannot advise you on your rights.