How do I foreclose on a private mortgage loan in default?

[jtl2001]

What is the name of your state? CALIFORNIA

I sold my mobile home (which is in a park on a rented lot) to a buyer a year ago, and we drew up a private mortgage loan agreement. Buyer paid me a down payment, and paid the monthly installments for 6 months before falling behind. At this time buyer is 7 months delinquent on the loan payments and wants to walk away from the home. This would also stick me with the responsibility of paying the monthly space rental (I was made to sign an agreement by the owner of the lot).
1. How best would I foreclose to quickly regain control of the mobile home? I am the sole lien holder on the Title; home is Registered in the name of the buyer in L.A. County.
2. How can I get the buyer to vacate the home immediately if he has fallen behind in the rent (which costs fall upon me, owed to the lot owner)?
3. How should I proceed to get a legal judgement against the buyer for breach of contract (or whatever buyer's failure to perform is called)?

Thanx!

[LindaP777]

OMG! You need to get a lawyer, like yesterday! Foreclosure is no easy process. I don't see how you can do this yourself. It must be done right and you need to move fast!

FYI - for other future sellers, never record the deed into your buyers name until they have paid you in full (or they get a loan and paid you in full at closing). Do a "lease with option". Then if they default, you evict. Eviction is a much easier option than foreclosure!

[seniorjudge]

Originally Posted by LindaP777

OMG! You need to get a lawyer, like yesterday! Foreclosure is no easy process. I don't see how you can do this yourself. It must be done right and you need to move fast!

FYI - for other future sellers, never record the deed into your buyers name until they have paid you in full (or they get a loan and paid you in full at closing). Do a "lease with option". Then if they default, you evict. Eviction is a much easier option than foreclosure!

I agree with you about getting a lawyer.

But there was no deed here; this situation does not involve real estate.