A consumer wants to borrow money to pay off some personal expenses. He owns a lot that has a camper on it. The consumer wants to offer the lot as collateral. For RESPA purposes it is not a 1-4 family residence. There is a deck attached to the camper but it is still on its wheels and not affixed to the property. I wanted to verify that it is exempt from RESPA, TIL would apply. Flood would not. Am I on the right track? Thanks.
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