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Secured Transactions Keyed to Lopucki
In re Renaud
Citation:
308 B.R. 347 (8th Cir. B.A.P. 2004)Facts
In 2001, the debtors refinanced their purchase of a Spirit mobile home, along with the real property on which it is affixed, by borrowing $33,100.83 from Simmons Bank. The previous lienholder on the mobile home released its lien noted on the certificate of title for the mobile home, and Simmons Bank placed the clean title in the debtors’ loan file. Simmons Bank recorded a mortgage on the real property covering all existing and future improvements, structures, fixtures, and replacements that may now, or at any time in the future, be part of the real property.
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