Legal Question in Real Estate Law in California

The rights of a secured creditor upon default by a purchaser of a manufactured or mobile home are somewhat complex, and depend at least in part on the terms of the purchase agreement or accompanying security agreement. However, I would suppose that, in many cases, the lender would be free to declare a default upon the buyer/borrower missing a single payment for any significant number of days. Before any repossession can take place, the creditor needs to observe certain notice procedures set forth in the law. See Health & Safety Code section 18037.5(a)(1) for requirements regarding sending a Notice of Default, for example.