We purchased a home ( manufactured ) that was attached to land. After 10 years, we wanted to refinance to get a new roof. We were informed that only the land was in our name. The home was never transferred to our name. We could not borrow against it or even sell it. Wells Fargo refused to help us fix this issue. Therefore they foreclosed because we refused to make payments on a home that was not ours. This incident has now stopped us from getting a mortgage on another home. 
