In Re Greta Ann Washington, Debtor. James D. Walker, Jr., Trustee v. Greta Ann Washington and Gracewood Federal Credit Union

In this case, we hold a “double-wide” mobile home unit which has become permanently attached to the land on which it is placed ceases to be a “vehicle” under the Georgia Motor Vehicle Certificate of Title Act so that a security interest is obtained by recording a Security Deed to the land and the “improvements thereon” rather than placing a lien on the mobile home under the vehicle title act. Both the bankruptcy court and the district court applied this principle in holding that Gracewood Federal Credit Union (Gracewood) had a valid security interest in debtor Greta Ann Washington’s mobile…