Iowa Code ch. 648 § 648.22B
Cases where mobile or manufactured home is the subject of a foreclosure action
Operative Text
1. When a mobile or manufactured home located in a manufactured home community or mobile home park is the subject of an action by a lienholder to foreclose a lienhold interest, the plaintiff may advance all moneys due and owing to the landlord and enter into an agreement with the court to pay to the landlord before delinquency all rent, reasonable upkeep, and other reasonable charges thereafter accruing on the home and space that it occupies, in which case any writ of execution on a judgment under this chapter will be stayed until the home is sold in place as provided by law or removed from the manufactured home community or mobile home park at the plaintiff’s expense. 2. When the conditions of subsection 1 have been satisfied, the clerk of court shall so notify the sheriff of the county in which the mobile or manufactured home is located. 3. The landlord shall have standing to intervene in the foreclosure proceedings or to file a separate action to compel compliance with the lienholder’s undertaking pursuant to subsection 1 and shall be entitled to recover costs and attorney fees incurred. 4. All expenditures made by a lienholder pursuant to subsection 1 shall be recoverable from the lien debtor in the foreclosure proceedings as protective disbursements whether or not provision is made for such recovery in the documentation of the subject lien. 5. In any case where this section has become operative, the provisions of section 648.18 shall not apply.
Iowa Code ch. 648 § 648.22B establishes a procedure that applies when a lienholder (such as a lender) seeks to foreclose on a mobile or manufactured home situated in a manufactured home community or mobile home park. Under this provision, the foreclosing party may pay off any overdue amounts owed to the park landlord and commit to the court to keep future rent, upkeep, and other reasonable charges current, which in turn pauses enforcement of any execution writ until the home is either sold in place or removed. The landlord retains the right to step into the foreclosure case—or file a separate action—to enforce that commitment, and may recover costs and attorney fees for doing so. Any payments the lienholder makes under this arrangement can be recouped from the borrower as protective disbursements in the foreclosure proceeding.
Plain English — not legal advice.
Under Iowa Code ch. 648 § 648.22B, park owners and managers whose tenants' homes become the subject of a foreclosure action have meaningful protections: past-due rent and charges can be paid by the foreclosing lienholder, and future rent and upkeep obligations can be secured through a court agreement. Operators who monitor their rent rolls and promptly identify delinquencies tied to a foreclosure are generally better positioned to take advantage of the intervention rights this section provides, including the ability to file or join proceedings and seek attorney fees. Keeping clear records of all amounts owed—rent, upkeep charges, and other fees—supports the landlord's standing to act under this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Iowa Code ch. 648 § 648.22B primarily governs the relationship between a foreclosing lienholder and the park landlord, but it has practical implications for residents whose homes are in foreclosure. When a lienholder steps in to pay rent and charges under this section, enforcement of a writ of execution is stayed, meaning the home cannot immediately be removed or sold out from under the occupant while those conditions are being met. Residents in this situation may benefit from consulting a tenant-rights organization or legal aid provider to understand how the foreclosure timeline, the stay of execution, and the separate protections of ch. 648 interact with their occupancy rights.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated October 18, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
Effective Timeline
References In
Rules and statutes that cite this regulation