I'm with JJohns on checking with your attorney. Answering this question involves a number of issues, including what your loan documents say. The UCC Article 9 governing law provisions do not apply to enforcement of security interests; only to perfection, non-perfection, priority, etc. Under UCC 1-105 (part of the general UCC provisions that relate to all other articles including Article 9), your loan documents can specify what state's law governs, as long as the transaction bears a relationship to that state. However, some states may have enacted non-standard versions of the UCC or other laws that would "trump" the 1-105 governing law rule in this situation. Your lawyer will need to work through those issues.
Nobody's perfect, not even a perfect stranger.