My question involves a mortgage in the state of: Michigan.
We are currently living in a manufactured home in a park in Michigan. Due to the usual unforeseen circumstances, we will NOT be able to make our payments and will end up in repossession. We've tried listing it for sale with no luck. Our lender is 21st and the only help they have given us is a list for non profit organizations to pay our payment for us. They cannot help us. We are not yet 30 days late but will be on the 31st of October. The rep from 21st was incredibly rude and told us we need to be out ASAP. She would not tell us an exact time frame as to when we legally have to be out of here.
We are aware of the consequences financially and as much as it sucks to have to go this route, it's the only one we have. Repo will happen. I need to know how long until they can actually repossess the manufactured home? How long until we will legally need to be out of here?
The manufactured home is personal property from what I gathered from research. So we don't have foreclosure time, obviously. If you need more information to help, I'll do my best to answer any questions. We're hoping we will have until at last the end of November to get packed up and out of here. We will be moving in with family once we leave here.