Our compliance person is on vacation and I need some help. We are making a small personal loan that will be secured by the lot/land that the borrower has a mobile home on but we will not use the mobile home as security. The mobile home is not permanently affixed but is his primary residence . What disclosures are required?

I would provide RESPA (you are taking a security interest in land upon which a mobile home is located) and TIL documents(consumer purpose loan). No flood since you are not taking the mobile home. I have heard discussion as to whether you can take a security interest in land and not what is on the land, but I do not have personal knowledge to contribute to this. To be safe, you may want to do a flood determination just to make sure. What are the terms of the loan and how much land do you have? This information could change the answer.

This PDF will help you out.