This booklet covers general facts about mobile home laws. It explains your legal rights
Are you buying a mobile home?
Buy from a mobile home dealer in your town who is well known. Before you buy, you
can check a dealer out by calling the Better Business Bureau.
When you buy your home, you will sign a contract with the seller. Make sure you
understand what the contract says. Find out what happens if you miss a payment. Have
a lawyer look at the contract before you sign it.
Did you get a loan to buy your mobile home? Then you will
also sign a loan contract. It will be like a car loan contract. It
may or may not give you a grace period for late payments.
You will get a “title”, like a car title. The lending company
will have a lien on the title.
The loan contract should explain most of the rules about
repossession. Repossession is when they can take back your
mobile home because you didn’t pay. The laws are the same
as the ones for repossessing a car.
Your mobile home can be repossessed if you miss payments. It can be repossessed if you
don’t insure the mobile home like the contract says. The contract should say what the
lender will do if this happens. Sometimes the lender may repossess the mobile home.
Sometimes they buy the insurance and add the cost to your payments.
What can I do if I have a problem with the mobile home I bought?
First, check your warranty. Take action before the warranty ends. Don’t let a deadline
pass! Contact the company that sold you the home. Send them a written list of problems.
Also send the list to the manufacturer and the installer. Keep a copy of all letters. Take
pictures of the problems. Call after you send the letter. Ask when repairs will be done.
What if they won’t make repairs? What if they keep you waiting for the repairs? Then
Codes and Standards
Division of Fire Prevention
3rd Floor, 500 James Robertson Pkwy.
Nashville, TN 37243-1160
Fax (615) 741-1583