Ah, I thought you were in the process of obtaining a new mortgage.  I misunderstood.  Either the mobile home loan wasn't in default at that time, or perhaps Vanderbilt really lost track of you in the transfer process.  However, nothing that you have written indicates that you are officially and legally released from that debt obligation.  I would now be concerned about any liens against your current home stemming from the mobile home debt.  This is not something to be passive about.  Have you spoken with your ex-girlfriend about what's going on?