Manufactured Home Repossession Laws in California

[ph_dudley]

My question involves a foreclosure in the State of: California
I bought a manufactured home in late 2007 which is located in a park which I pay monthly lot rent. I have been trying to sell for the last four months but no luck due to the market. My income has been greatly reduced in the last month and I won't be able to stay current more than two more months with the mortgage. The manufactured home is held by title and not by a deed so I understand it would be considered a repossession instead of a foreclosure. Can some one explain what the laws are in California regarding repossession of a manufactured home? Does the lender have to give me notice prior to taking possession of the home? If so what is the time frame? Can I be held liable for any deficiency in the loan amount? Any information would be greatly appreciated.

[Mr. Knowitall]

You may review the most relevant statutes here. You should receive a notice of the repossession with an associated forty-five day right to cure; you should also have a ten day period in which you can cure after notice of right to reinstate is sent to you after the repossession is complete. The devil is in the details, and as I only know what you've told us so far I would encourage you to delve into the statutes (potentially including statutes not linked in this post) or consulting a local real estate lawyer or legal aid.

[ph_dudley]

The lender is not being very helpful at all. I am attempting to have a short sale but the lender will not say if it will be approved. So I am at the point where I will be stoping making mortgage payments so once the mobile home is repossessed I will not have any interest in getting it back.
If this is my first original loan on the mobile home can the lender come after me for a deficiency judgment?