Posts Tagged ‘ACT’

8 Months of Declining Year-Over-Year HUD Code Manufactured Home Production – When Will Manufactured Housing Institute Act?

June 4th, 2019 Comments off



Monday afternoon 6.3.2019 at about 5 PM ET, near the manufactured home display on the National Mall. Where are the crowds?

The release below is from the Manufactured Housing Association for Regulatory Reform (MHARR), and they were charitable in not mentioning the Manufactured Housing Institute (MHI).


Following the MHARR release there will be a brief analysis and some linked information.





Washington, D.C., June 3, 2019 – The Manufactured Housing Association for Regulatory Reform (MHARR) reports that according to official statistics compiled on behalf of the U.S. Department of Housing and Urban Development (HUD), year-over-year HUD Code manufactured home production declined again in April 2019, albeit at a moderating pace. Just-released statistics indicate that HUD Code manufacturers produced 7,993 homes in April 2019, down 3.2% from the 8,262 homes produced in April 2018. Cumulative industry production for 2019 now totals 30,352 homes, a decline of 10.1% from the 33,793 HUD Code homes produced over the same period in 2018.

While the production statistics for April 2019 show a moderation in the double-digit production decline that has thus far characterized 2019, the fact that there is any production decline at all in the face of continuing strong demand for affordable housing and homeownership highlights the failure of Fannie Mae and Freddie Mac – thus far – to implement the Duty to Serve Underserved Markets (DTS), particularly with respect to the personal property loans which account for nearly 80% of the manufactured housing consumer finance market. That failure, more than a decade after the enactment of DTS, effectively forces consumers into higher-rate loans that cost more than would be the case if there was, in fact, proper, market-significant DTS securitization and secondary market support, which would lower risks for lenders and promote greater competition within the HUD Code consumer finance market.  This, in turn, needlessly excludes potential buyers from the HUD Code market altogether, while making it more difficult for others to finance the purchase of a HUD Code home, both of which suppress overall market volume.  As more and more questions are being raised in Washington, D.C. by the press, government figures and others regarding such issues, it is becoming increasingly apparent that this matter can, should and must be looked-into further.

A further analysis of the official industry statistics shows that the top ten shipment states from the beginning of the industry production rebound in August 2011 through April 2019  — with cumulative, monthly, current year (2019) and prior year (2018) shipments per category as indicated — are:


The latest information for April 2019 results in no changes to the cumulative shipments list.

The Manufactured Housing Association for Regulatory Reform is a Washington, D.C.-based national trade association representing the views and interests of independent producers of federally-regulated manufactured housing.

— 30 —


There has been some positive mainstream media coverage of the Innovation’s in Housing event on the National Mall in Washington, D.C., But it is clearly evident from the photo at the top that the Manufactured Housing Institute, which is the industry’s umbrella or post-production association, has done a terrible job of promoting this rare opportunity.



MHI put a notice on their fly-in page on 5.30.2019, but that’s targeted for MHI members, not the general public. Where is their vaunted promotion of the industry? Recall their claim late last year?


Pinocchio’s nose shows as it grows.

Secretary Carson seems to be doing more than any HUD Secretary in the last 2 decades. But MHI’s part of the effort is arguably badly lacking.

There will be more insights on this problematic but revealing MHI handling of this event in the days ahead, so stay tuned.

This is your 2nd 6.4.2019 installment of manufactured home “Industry News, Tips, and Views Pros Can Use,” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)



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Related Reports:

HUD Secretary Ben Carson Surprise Appearance at Manufactured Housing Consensus Committee, Exclusive Quotes – Addressing Manufactured Home Industry

Dr. Ben Carson Secretary of Housing and Urban Development Manufactured Housing Conference Remarks New Orleans, Louisiana, Hyatt Regency Hotel, May 7, 2019

Census, HUD Official Residential Construction Report for April 2019, Dare to Compare to Manufactured Housing Data

National Association of Home Builders Co-Hosting HUD Innovative Housing Showcase

MHARR Weighs in, HUD Secretary Carson Letter – “Discriminatory…Exclusionary Zoning of HUD-Regulated Manufactured Homes”


Cowards, How Winning Is Done, and Manufactured Housing








Preserving Access to Manufactured Housing Act – Momentum or DOA?

April 20th, 2017 Comments off

Credits: MHI logo, top left, Dawgs By Natures and GovTrack, all provided under fair use guidelines.

Much of the manufactured housing industry is familiar with latest version of the Preserving Access to Manufactured Housing Act of 2017 – a.k.a. H.R. 1699.  The Arlington, VA based Manufactured Housing Institute’s (MHI) latest “alert” urged their readers to keep up the momentum for the 4th iteration of a bill, which they designed to modify points and fees to make some higher cost loans possible, while also amending the unpopular MLO rule.

GovTrack reveals some startling insights, but the view from MHI will be reviewed first.

The MHI bill was presented by Representative Garland “Andy” Barr (R- KY). Barr is a true advocate for manufactured housing, as the information and video linked here reveals.

As have many others, MHProNews and MHLivingNews editorially supported prior versions of the bill for years. One of dozens of examples, is linked here.

Beyond the MHI cheerleading, what are the facts – per third parties – outside of manufactured housing?


Credit: MHI’s latest emailed update, provided under fair use guidelines.

GovTrack and PredictGov, who have no vested interest in whether or not a bill passes, have provided some startling information.


Credit: GovTrack.

They give the bill a one percent chance of passing.

With 99 to 1 odds against it, and millions spent to date on the MHI effort, this information should provide a wake-up call for the manufactured housing industry.

As PredictGov states, “The overall text of the bill decreases its chances of being enacted. The bill’s primary sponsor is from the state/territory: KY. The bill is assigned to the House Financial Services committee. The bill’s primary subject is Housing and community development.”

Credit: PredictGov.


Tim Williams, credit, LinkedIn.

MHProNews has heard from a number of pro-MHI members, who believe the bill is a wasted effort in the Trump Administration era.

Conflict of Interest?

As the Daily Business News asked here, under the bylaws, articles and laws of incorporation for MHI, is there a conflict of interest when The Preserving Access to Manufactured Housing Act – a finance related effort that directly benefits two major industry lenders – is being promoted by the association’s chairman, Tim Williams of 21st Mortgage Corporation, whose firm is a direct beneficiary if such a law is passed?


Cheerleading For…What Goal?

In its News & Updates feature, MHI asks members to “Keep Up the Momentum: Ask your Representatives to Cosponsor H.R. 1699.” But with a one percent chance of passage, state association executives and other businesses of various sizes have asked privately, does even hundreds of emails and several co-sponsors truly equal momentum?

Introduced by a bipartisan group of Representatives, ‘The Preserving Access to Manufactured Housing Act’ addresses federal regulations implementing the Dodd-Frank Act that do not reflect the unique nature of the manufactured home financing and sales process,” says MHI.

H.R. 1699 modifies the definition of ‘high-cost’ loans so that manufactured home loans are not unfairly swept under this designation simply due to their small size. The bipartisan legislation also amends the SAFE Act and the Truth in Lending Act to exclude manufactured housing retailers and sellers from the definition of a loan originator, so long as they are only receiving compensation for the sale of the home and not engaged in financing the loans.”

When asked for an on-the-record comment, MHI would not respond to MHProNews’ inquiries about this – and other finance/industry related subjects, which will be covered in upcoming reports here on the Daily Business News.

Opportunity in 2016, Reportedly Lost

In an interesting twist, MHProNews previously reported that MHI insiders communicated to the Daily Business News that a negotiated deal with the support of consumer groups could have been made over a year ago which would have allowed the CFPB to modify their MLO rule, so long as MHI dropped the points and fees hikes.  That deal would have benefited thousands of industry locations and businesses of all sizes.

Why was that opportunity missed?

MHI staff are silent on that question, and others like it.

Presidential Veto…

With millions being spent by MHI every year, and this being one of their flagship efforts, why did MHI fail to take the half-loaf offered?  Even if Senate passage last year had been achieved, President Obama signaled during his term that had Preserving Access passed the Senate, he would have vetoed the legislation.


All image credits are as shown, and images or third party documents that may be attached are provided under fair use guidelines. 

Among the off-the-record comments from a member of the financial services industry seem to show an under-reported trend among those who know the real score on the bill.

The problems with MHI aren’t the Association’s doing, it’s a few members.  Lenders like CU aren’t bothered by all the aspects because they think consumer first and still make a decent return,” one source said. “As always “off the record” because I don’t need to get dragged into HR, but that is my 2 cents.

While a lender was named in the message to MHProNews above, it should not be construed that the source does – or does not – work for that firm. Those comments came with respect to this article.

MHI – Weaponized News?


As MHProNews covered here, MHI’s use of weaponized news to its members, and slanted advertorials to the public, presents several hurdles for the industry.


Titus Dare. Credit: MHProNews.

James McGee and Chet Murphree said it very well on a video, it’s all about education…This [MHI] advertorial approach was a mix of good, bad, inaccurate, and deceptive marketing on behalf of a national manufactured housing association,” said Titus Dare, SVP of Eagle One Financial.

I’ve focused on the bad, because that is where the problems will come from. You would never see the NAHB or another national trade association blurt out such problematic nonsense.”

Tom Fath, an industry professional with a fresh view from a millennial perspective also shared his take.


Tom Fath, New Durham Estates.

We have created a great industry that is in decay and under attack.  In order to change the perception of our industry, MH pros and leaders need to focus on the facts and true benefits regarding our products and communities to ensure our customers make educated decisions that fit their needs,” said Fath.

Probably the greatest enemy to the growth of the mobile home park [sic] industry into a mainstream form of real estate investment is … our industry itself,” wrote MHI member Frank Rolfe, in a story linked here.


Third party images on MHProNews are routinely provided under fair use guidelines, as is the case with the images in the collage above.

For more on what the manufactured housing industry is up against in its internal battles to achieve its potential, click here. ##

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

rcwilliams-writer75x75manufacturedhousingindustrymhpronewsSubmitted by RC Williams to the Daily Business News for MHProNews.

Manufactured Housing’s New Year, 2014!

January 1st, 2014 Comments off

manufactured-housing-new-year-2014-posted-manufactured-housing-pronews-MHProNews will launch it’s January 2014 issue on Thursday, January 2. Factory-built housing in general – and manufactured housing specifically – continues to go through significant changes, with three years of rising sales.

New featured articles, 2 new exclusive interviews and much more will help you start out the new year right with Industry News, Tips and Views Pros can Use.

With a mere three weeks to go before the first major event of the year, and new regulations kicking in, financing is among the hottest topics. MHIndustry Pros will gather in Louisville, KY to hear the Industry’s top lenders outline the programs they can offer you now. 48 new homes, business building seminars and some 80 exhibitors will draw an anticipated record 2400+ pros all in to the event. Learn more at ##

Friday 13th Senate Companion Bill for HR 1799/MH Avoided

December 14th, 2013 Comments off

us_senate_seal-posted-daily-business-news-manufactured-housing-mhpronews-Informed sources told MHProNews on Friday that the companion bill to HR 1779 – The Preserving Access to Manufactured Housing Act of 2013 – was about to be filed. A source close to Oklahoma Senator Tom Coburn said off the record, “Dr. Coburn has decided to cosponsor the bill with Senator Donnelly.  It will be introduced today (Dec 13th).” Another source revised that expectation, saying the bill would more likely be filed on Monday. “No, the Senate adjourned a bit earlier than planned.  It’s going to drop the first thing Monday!”

The Senate companion bill becomes more important to manufactured housing home owners and industry members, since the CFPB rejected the bipartisan call by 11 U.S. Senators to delay the implementation of Dodd-Frank rules impacting manufactured home lending.

The news brief and a copy of Richard Cordray’s letter declining a delay in support are available as a download on the article linked here, or as an updated download from the article linked below.

MHProNews will naturally track these developments and keep industry members, investors and other interested parties informed. ##

(Editor’s Note: See a red-hot HR 1779 related story at this link.)

ACT Modular home being sold through sealed bids

September 1st, 2011 Comments off

ACT_Logo_CampusExplorerRegisterHerald reports that students from Beckley, West Virgina Academy of Careers and Technology (ACT) put their training to work by building an actual modular home that will be auctioned through a sealed bid. Principal Charles Pack said “Not only do they learn about it, they are able to actually build a house and know they are doing exactly what they are going to do in their careers.” Previous academy-made homes can be seen in the community, including a dentist’s office. Building and trades instructor Van Carr said, “It gives them the real, hands-on experience. They get to work with other classes and are never assigned to work with the same student twice. They have to learn to be able to work with different personalities and be able to get along.” Students are expected to work within a time limit, as they would on a real job site. This modular home has special touches added by the students. Carr had his second-year students pick out all the fixtures, flooring and trim. The students chose to use Berber carpet and oak hardwood flooring. The modular house is 1,248 square feet with three bedrooms, a living room, combination kitchen and dining room, utility room and two full baths. The kitchen has an island, stove, side-by-side refrigerator, microwave, dishwasher, oak cabinets and stainless steel sink.

(Graphic credit: ACT Logo)