Legal Question in Real Estate Law in West Virginia

Re: Purchase a mobile home

Curious that you cite the old banruptcy as a factor unless you believe that it is a reason you have been denied for a loan. If a person owns property he or she can give it to anyone. A mobile home, in West Virginia, not affixed to land, is transferred by endorsing the paper title to the new owner. The same goes for transfer in connection with a sale. It may well be that the title is held by a lender and the lender will not release the title for a transfer. The lender may not want to accept a "novation" or substitution of one owner/borrower for another. It may be possible to give title or ownership with a bill of sale for a mobile home or a double wide, even if the DMV paper title has not been cancelled or surrendered to DMV. The bill of sale might transfer legal ownership, subject to any valid and perfected lien. Of course, such transfer may constitute an event of default, as defined in any loan documents, and permit any such lender to accelerate the loan payments or repo. This is risky business and any course of action must be preceded with full evaluation of the parties, the documents, the several points of law which can't be determined with the facts presented. In short, if she wants to give it to you or sell it to you and you have the means, it should be possible. You may have access to legal aid in your county or with your service. There is also a hot line operated by the State Bar Association. Good Luck