Vanderbilt Mortgage /Clayton Homes Land Stealing Maryville Tennessee

I purchased my home in 2000. My dad had land and he agreed to sign a warranty deed for 1 acre for my home to sit on. They kept wanting more and more land to be included and my dad wouldnt agree. Finally, they agreed to do the loan. I have tried to refinance my home due to job changes and I owe a lot less on the home and I can get a lower payment to help me out since I don't make what I did when I purchased the home.

When I went to refinance, I found out that the house is in my name, however at the court house, the way they registered it, I don't own anything and if I lose the home, they can take my dads entire 15 acres. That is not what we agreed on in the beginning and would not have found out if I had not tried to refinance it.

Now, I had to file bankrupt and I still can't do anything about my home because I cannot refinance it. My dad would have never allowed my to live there if he had known this up front. I have been told by several lending institutions that I am not the first person Vanderbilt has done this to. I do not want to lose my home, but I'm kinda stuck in a rut and don't know what to do.

Is this legal for them to steal peoples land and change things once you have signed the contracts? I will do whatever I have to to keep my dad from losing his land to thieves. This is very misleading and I would never advise anyone to finance their home with Vanderbilt.

Pyokley
Dandridge, Tennessee
U.S.A.