You need to talk to your lender about your situation and explore your options. The process is different depending upon whether the home is in a park and has a title or is on real property and has a deed. Besides foreclosure, deeding it to the mortgage holder in lieu of foreclosure, selling it as a short sale if necessary, and mortgage modification are a some of your options. I recommend not just talking to your lender, but also talking to an attorney. Before you say that you can't afford an attorney at least call and inquire about the of an initial consultation to find out if they can help you. I may not be able to afford not contacting an attorney.
Best of luck,
Connie Herbert
connie@silversagerealty.com... more