We are granting an assumption to a successor in interest for a loan secured by a manufacture home in a park, no land. It is the successor in interest's primary residence (she was living in the home with her mother, our borrower, before she died.) We made the original loan long before me, and we no longer offer these loans.
I've been searching BOL to learn more, and my understanding is this is not subject to TRID (no dirt), RESPA (not a FRMT), ATR (successor in interest assumption), but is subject to TILA as a consumer loan? Not sure exactly what that entails? And per this thread, would be subject to the ECOA appraisal reg? Any additional guidance/assistance would be appreciated!