Losing It All: Mobile Home Owners Evicted Over Small Debts During Pandemic Mobile home owners right now are twice as likely as other homeowners to be behind on housing payments. And some are losing their homes over small amounts of rent they owe for land the home sits on.
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Losing It All: Mobile Home Owners Evicted Over Small Debts During Pandemic

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Losing It All: Mobile Home Owners Evicted Over Small Debts During Pandemic

Losing It All: Mobile Home Owners Evicted Over Small Debts During Pandemic

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Americans who own mobile homes have been especially vulnerable during the economic disruptions of the pandemic. Here's their special problem. They own the mobile homes, but they're not really very mobile. And they typically rent the land on which their homes sit. If they face a rent increase or have lost their jobs during the pandemic, they can quickly lose everything. NPR's Chris Arnold reports.

CHRIS ARNOLD, BYLINE: It was a pretty brutal holiday season for Barbara Gott in Billings, Mont. Back in December, just a week before Christmas, she got an eviction notice.

BARBARA GOTT: It was at, like, 6:30 at night that a sheriff came and taped a notice on the door on a Friday night.

ARNOLD: Gott hadn't responded to a court summons the month before. She didn't think she could be evicted so soon. But now she had just a couple of days until Monday to be out of her house. So she brought her 5-year-old son to a relative's place. And she and her older children started throwing things into bags.

GOTT: We packed our stuff. It was horrible. There was a lot of tears involved.

ARNOLD: Like about 20 million Americans, Gott lived in what's called a manufactured home - in other words, a mobile home that gets brought in by a truck but then sits on a patch of land and often in a mobile home park. For a lot of people, this makes homeownership affordable. Even brand-new manufactured homes on average cost less than half of a single family house or a condo. Gott had owned hers for 16 years.

GOTT: I was a really young mom, and that's one thing I was so proud of - was the fact that my kids weren't moving from place to place to place. Even when anything else in their lives was messed up or things were going bad, there was always that place for them to come home to. It was the safe place.

ARNOLD: But the pandemic is laying bare that mobile home owners are often very vulnerable. On average, they make half as much as other homeowners. And they've been twice as likely to be behind on their housing payments during the pandemic. Also, the loans that they get often don't have the same protections as regular mortgages. And for those that live in mobile home parks...

ELISABETH VOIGT: The primary piece is that they don't own the land under their home.

ARNOLD: Elisabeth Voigt is with Manufactured Housing Action, a nonprofit that advocates on behalf of mobile homeowners. She says even though they own their homes, they have to pay lot rent for the little patch of grass and driveway that the home sits on. And Voigt says while they're often called mobile homes, moving them is a major undertaking. You often have to install wheels, weld on tow hitches.

VOIGT: So it costs $5,000 to $10,000 to hire a company to move your home off the lot that you rent. Many homes, older homes, structurally can handle a move. And it's very difficult to find a new lot.

ARNOLD: So she says you can end up being a prisoner to the mobile home park. And if people fall behind on the rent, she says some companies that own mobile home parks quickly move to evict them, and they lose their home even though they own it, over a couple of months of lot rent.

VOIGT: The landlord turns around, rents the home or sells it again, adding to their profit margins while the resident has lost not only their home but their life savings.

ARNOLD: Often, the courts allow this, since the homeowner can't afford to move the home. During the pandemic, many people have been having trouble paying because they've lost work. Lesli Gooch is the CEO of the Manufactured Housing Institute, which represents mobile home parks. She says many have been doing all they can to be flexible.

LESLI GOOCH: They did rent payment arrangements. We just had somebody do a vaccination clinic. So across the board, the owners and operators were really trying to keep their residents safely housed.

ARNOLD: Barbara Gott wasn't so lucky. The company that owns the land under her home is called Havenpark. It filed an eviction case after she fell just one month behind on the lot rents. At that point, she owed around 600 bucks. And pretty soon, she had an order on her door saying she had to get out.

GOTT: I believe when they put the notice on our door, we were 2 1/2 months behind.

ARNOLD: Gott and her fiance both lost work at their construction jobs for a time after COVID hit. That's when they fell behind.

GOTT: And they weren't taking any partial payments. So it was one of those things where I either had to have all of the money or none of the money. Like, they really were like, we're just going to screw you big time.

ARNOLD: Havenpark says it tried to avoid evicting Barbara Gott. The company declined an interview but said in a statement that she received all the required notices during the eviction process and that it tried to call her twice. If she'd responded, the company says it would have worked with her and referred her to government rental assistance programs. But since she didn't respond, the company says it was left with, quote, "no choice but to proceed with eviction."

AMY HALL: No, that's not true. They had a choice.

ARNOLD: Amy Hall is an attorney with Montana Legal Services Association who helps people try to avoid eviction.

HALL: They could have worked with her longer to try to give her more time to get caught

ARNOLD: Havenpark points out that Gott failed to respond to a court summons and says that if she had, she likely could have gotten a repayment plan and kept her home. Amy Hall says that's true, especially if she'd managed to get a lawyer. There's also a CDC order that could've protected her if she knew about it. But Hall says a lot of people don't know their rights, and the process moves very quickly. Mike Eakin is a lawyer in Billings who does pro-bono work. He says just in his area, mobile home evictions are keeping him busy.

MIKE EATON: Quite a bit. Since last fall, at least 20 to 25 cases at mobile home lots that Havenpark have purchased here in Billings.

ARNOLD: Eakin says he's got more cases involving other companies, too. In Barbara Gott's case, court documents show that she owed less than $1,200 when she got evicted. And so for that, she lost the home that she owned and lived in for 16 years. Meanwhile, she says all this has probably been hardest on her 5-year-old son.

GOTT: Out of everybody, I think he was the most upset about losing the house.

ARNOLD: The family worked out an agreement with Havenpark, where Gott wouldn't owe the 1,200 bucks, and the company could just keep the mobile home. Gott was able to go back so that her 5-year-old son could see the house one more time.

GOTT: You know, it just - him saying, goodbye, house - I mean, that's just - you know, that's all he's known in his short, little life. And it really sucked. You know, and it's hard to explain to him why his home's not his home anymore.

ARNOLD: Gott says after staying at motels and with friends for months, the family found a house to rent. It costs a lot more than the mobile home park, but she says she can afford that now because she's working again. And so she says if she'd just had a little more time to catch up, she wouldn't have had to lose her home.

Chris Arnold, NPR News.


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