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Facebook, Marketing & News – Manufactured Housing Pros, Sarah Miller, ‘Citizens Against Monopoly’ Sound the Alarm

June 19th, 2018 No comments

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We got word that [Tuesday], Facebook Inc. is inviting Capitol Hill staffers to Washington DC’s “newest, most exclusive event venue” for free food and drinks. Events like this enable Facebook to peddle influence in the halls of power, and keep lawmakers from cracking down on its abuse of our democracy.”

So begins a statement by Sarah Miller, of Citizens Against Monopoly to the manufactured housing (MH) industry’s Daily Business News received at 8:15 PM last night. CAM is a subset of the Open Markets Institute, which promotes prosperity and liberty, including through their antitrust efforts.

MH industry marketing professionals are among the sources who have raised concerns over the enormous – and still growing – power that Facebook and Google have in marketing manufactured housing.

Voices across the left-right divide have increasingly been concerned too, because they exert so much sway over politicians.

But among those-laser focused on the issue is a group called Citizens Against Monopoly (CAM).

So we would like to extend the RSVP to you, the Citizens Against Monopoly community,” stated their message, about the latest Facebook lobbying move.

Some details about the Facebook event follow.

What:

“A Place to Connect, D.C.”, bringing together “the D.C. community and Facebook” for “conversation and product demos”

Where:

The Showroom, 1099 14th St NW, Washington, D.C.

When: 1:30 pm – 7:30 pm, June 19

RSVP

 

CAM on Facebook’s Lobbying

In the first quarter of 2018, Facebook spent $3.3 million lobbying the U.S. government, more than ever before,” CAM’s Miller told MHProNews.That’s a key part of how it builds power and evades accountability, and events like this one are part of the process.”

At “A Place to Connect,” Facebook’s #3 executive and top lobbyists will be schmoozing the people who are supposed to represent us, and trying to bamboozle Congress into believing that the company’s reforms are for real,” Miller said.

For instance, a former corporate lawyer who is now Facebook’s deputy chief privacy officer will try to argue that Facebook is stepping it up on privacy — all actual evidence to the contrary,” she asserts.

Industry readers may have seen Facebook’s ads on cable TV and elsewhere. Facebook is pitching their reforms to the public, ever since the Cambridge Analytica scandal broke.

But critics say that Facebook has failed to seriously address the fact that they played a significant role in former President Barack Obama’s 2012 re-election effort, as did Google. Given their enormous power in online search, Facebook and Google are among those forces that can help make or break a candidate.

Other presenters will be discussing Facebook’s role in the opioid crisis and its approach to election integrity, vital topics that are in the national interest. Facebook is billing the event as a “conversation” — if that’s the case, the people affected by Facebook’s bad behavior should be in the room to ask the tough questions,” Miller said to MHProNews.

With so much at stake in the debate over Facebook and the future of internet privacy, your voice deserves to be heard. So if you’re able, show up and ensure that the public is represented,” CAM stated.

 

Facts About Facebook, Google’s Growing Power

A December 2017 report by Statista said, “In fact, two companies, you may know them by the names of Google and Facebook, are so dominant in the online world that they account for more than 60 percent of global online ad revenues.”

Many mainstream news operations are alarmed at how much ad money – and thus political power – Facebook and Google have accumulated.  Warren Buffett is among those who have said that many media outlets will fail as a result.

GlobalAdSpendFacebookGoogleManufacturedHousingIndustryDailyBusinessNewsMHProNews

The trend lines are similar to the trend lines in manufactured housing consolidation, see that chart, further below.

Among the concerns are the fact that Facebook’s Mark Zuckerberg himself said in congressional testimony that there is a strong bias against conservatives, and for leftist, so-called “progressive” political causes.

New York Stern university’s Scott Galloway has been cited previously as a pro-tech voice, that believes that the Big Four must be broken up.

The RSVP is for the Facebook D.C. event is linked below.

RSVP

While most industry pros are unlikely to be able to attend on such short notice, Citizens Against Monopoly provide the following link to ask the Federal Trade Commission (FTC) to break up Facebook.

Sign the Freedom From Facebook petition: Tell the Federal Trade Commission to break up Facebook’s monopoly.

 

Industry Trade Media and Monopoly Reporting

Regular, longtime readers know that MHProNews has cited similar concerns over the monopolistic influence over the industry exerted by Warren Buffett’s Berkshire Hathaway. To see how others in the mainstream media have raised similar concerns about Berkshire Hathaway’s increasingly monopolistic domination of manufactured housing, see the related reports links below.

Among the manufactured home industry’s trade media, or those in MH who blog, etc., MHProNews has stood largely alone in raising concerns about monopoly power in the industry.

To their credit, the Manufactured Housing Association for Regulatory Reform (MHARR) in their reports has raised alarms over Berkshire Hathaway brands like Clayton Homes, 21st Mortgage and Vanderbilt.

But MH industry bloggers and publishers are happily taking ad money from the Manufactured Housing Institute (MHI), and are largely silent on the disturbing trends. Many in MHVille believe that MHI is dominated by Berkshire Hathaway and their related interests.

One industry blogger that does periodic MH news admitted that “1,000” manufactured home industry professionals are talking about the influence of monopoly in MH, but that only MHProNews is focused on the subject. That MH blogger succumbed months ago to running more pro-MHI news too.

Given the trend lines of industry consolidation, it is a subject that no industry professional or investor can reasonably ignore.

When Republican Senator Ted Cruz (TX) and Democratic Senator Elizabeth Warren (MA) are both speaking up about the corrosive influence of these monopolies, isn’t it time for more industry pros to sit up and take notice? These linked related reports can be read later, for more details.

Breakup “Massive Power” of Giants, “Subvert Our Democratic Process” Says Senator Cruz, & MH CEO’s Call for “Fully Competitive Housing Access”

Along with Apple and Microsoft, operations that are racing towards a trillion dollars in market cap which may be obtained next year, and how that can “suck the oxygen” out of the room for capital and competitors, as Galloway has said.

 

In the recently decided anti-trust case, some argued for AT&T that their survival is dependent on growth.

When a giant like AT&T, or Walmart are concerned about the rise of FANG or Amazon, and industry pros fret over the power of Berkshire Hathaway in MHVille, isn’t it a common-sense concern that federal regulators and advocates ought to address?

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews

Graphic by MHProNews, using information provided by each corporation, or named entities. 

We Provide, You Decide.” © ## (News, analysis, and commentary.)

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Related Reports:

Clayton Homes, Top 25 Manufactured Housing Industry Report, Trend Lines

Wall Street Journal – Tech Giants are Monopolistic Threat to Businesses, U.S. Economy

“Audit the Algorithm!” – Mark Zuckerberg, Facebook and Google Monopoly – Manufactured Housing Marketers Notice

Progressive “Nation” Reports on Monopolies Cites Buffett, Clayton, Others – MH Industry Impact?

Smoking Gun 3 – Warren Buffett, Kevin Clayton, Clayton Homes, 21st Mortgage Corp Tim Williams – Manufactured Home Lending, Sales Grab?

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Buffett, Dimon, Housing, Economic, Political Freedom, IG, Deep State, and Manufactured Housing Industry Progress

June 15th, 2018 No comments

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None are more hopelessly enslaved than those who falsely believe they are free.”

– Johann Wolfgang von Goethe, GoodReads.

 

Chains of habit are too light to be felt until they are too heavy to be broken.”

– Warren Buffett, BrainyQuotes.

 

Most of us are imprisoned by something. We’re living in darkness until something flips on the switch.”

–      Wynonna Judd, GoodReads.

 

Like a snake sheds its skin, we are capable of getting rid of assembled habits, creating space to call matters into question…We can retreat, then, from the imprisonment of a deadly routine, acquire an identity and develop our personality.”

– Erik Pevernagie, “Man Without Qualities.”

 

The American economy is becoming the envy of the world, says a new report in NewsMax.

USBecomesGlobalEconomicBrightSpotEuropeChinaStruggleNewsmaxManufacturedHousingIndustryDailyBusinessNewsMHProNews

While U.S. economic growth is surging, other national economies are reportedly slipping and faltering.

Coincidence? Hardly.

Even left-of-center sources or Democratic supporting political supporters are starting to acknowledge that Trump Administration policies, including regulatory rollbacks, and the Tax Cuts and Jobs Act, are fueling economic expansion.

Politically Incorrect Cartoon Commentaries, Lighter Side of Making America and Manufactured Housing Great Again

Jobs that former President Barack Obama said where never coming back to the U.S. – like mining and manufacturing – are roaring back under the Trump Administration’s leadership.

 

Billionaires Warren Buffett, Chase’s Jaime Dimon Praise U.S. Economy

For those who don’t know, Warren Buffett has been a Trump critic long before his successful run for the Oval Office.

So, it is worth noting that Warren Buffett, who supported Barack Obama and later Secretary Hillary Clinton, recently praised the U.S. economic recovery that has been occurring as a result of President of the United States (POTUS) Donald J. Trump’s leadership.

Buffett says you should buy stocks, or make investments, when the long-term outlook in a field or company is good.  Think about that as you ponder Berkshire Hathaway’s moves in the manufactured housing industry space in the last 15 years.

Clayton Homes, Top 25 Manufactured Housing Industry Report, Trend Lines

As regular manufactured home industry Daily Business News readers know, Buffett’s Berkshire Hathaway includes numerous brands in and serving the manufactured housing industry.

Longtime, careful readers know Buffett supported policies that are often the opposite of what POTUS Trump is successfully promoting.

Taking each candidate at their word, Secretary Hillary Clinton would not have signed S 2155 into law, but President Trump did.

White House Signing Ceremony on Historic Pro-Growth Financial Regulatory Reform

 

ChainsofHabitAreTooLighttoBeFeltUntiltheyaretooHeavytoBeBrokenChainsYouPUtAroundYouselfNowHaveConsquencesWarrenBuffettAZQUotesDailyBusinessNewsMHproNews

This Buffett quote is worth pondering in the light of MHI and related controversies.

 

The DOJ’s Inspector General’s Report

On 6.14.2018, the Department of Justice (DOJ) Office of the Inspector General (IG) Office released an eighteen month report that points to issues with the 2016 election that point to a “Deep State,” and to issues that aren’t based in Russia, but rather are found right here in the U.S.A.

Before diving into elements of the DOJ IG report, let’s set the table with an understanding of the origin of the concept of the Deep State.

 

What is the “Deep State?”

Wikipedia says that “The term “deep state” was defined in 2014 by Mike Lofgren, a former Republican U.S. congressional aide, as “a hybrid association of elements of government and parts of top-level finance and industry that is effectively able to govern the United States without reference to the consent of the governed as expressed through the formal political process.”

According to whistleblower Edward Snowden, “the deep state is not just the intelligence agencies, it is really a way of referring to the career bureaucracy of government. These are officials who sit in powerful positions, who don’t leave when presidents do, who watch presidents come and go…they influence policy, they influence presidents.”

While some, like the New York Times, dismiss the notion of the Deep State, it is becoming widely discussed across the left-right media divide. The discussion on the so-called deep state is so intense, it’s spawned an upcoming cable TV series on Epix.

Part of the issue of “Deep State” bureaucrats, who are shown as flaunting rules that prohibit them from playing favorites, leaking information to the press, having their own agenda vs. that of an elected administration, and the like.

DeepStateDestroyTrumpBrancoPoliticalCartoonManufacturedHousingIndustryDailyBusinessNewsMHProNews

There are those in MHVille who point to Pam Danner, the prior administrator of the Office if Manufactured Housing Programs at HUD, as an example of the Deep State at work in ways that harmed the manufactured housing industry. Danner did so, they say, until she was finally removed.

Citing sources, the Washington Post report noted that it was MHARR, not MHI, that worked for Danner’s removal.

While he focused on the military-industrial complex, President Dwight D. Eisenhower raised a similar theme to the Deep State over half-a-century ago.  In his 1961 farewell address, POTUS Ike said “In the councils of government, we must guard against the acquisition of unwarranted influence, whether sought or unsought, by the military-industrial complex. The potential for the disastrous rise of misplaced power exists and will persist.”

The maxim of the proverbial “power behind the throne” makes it clear that various understandings of the Deep State are ancient, not new.

YourGuideToDeepStateBenGarrisonZeroHedgeDailyBusinessNewsMHProNews

 

The IG’s Report Points to Deep State Woes 

The DOJ’s IG report is a both a political and legal document. It claims that there is no evidence of undue influence or favoritism, before or since the 2016 election, in the FBI or DOJ.

Nevertheless, sources that have read the over 500 page report say it is replete with examples of the opposite.

Attorney, constitutional author, and talk radio firebrand Mark Levin – who at one point was a “never Trump” believer – gives a quick litany of examples. Levin lays out the facts of how the IG report reveals wildly problematic legal issues, with a strongly and illicit anti-Trump bias.

Tucker Carlson, who has an independent, libertarian bent, had several features last night that likewise raised issues with the IG report.

The video below is about what the IG report reveals about the FBI, according to a former FBI Assistant Director.

 

 

Judicial Watch President Tom Fitton on inspector general’s report’s findings in the handling of the Hillary Clinton investigation: Don’t trust mainstream media analysis.

 

Donald Trump Jr reacts to DOJ IG report.

 

 

Rudy Giuliani, attorney for President Trump, speaks out after the release of DOJ inspector general report on the FBI’s handling of the Clinton email investigation.

 

 

The president’s legal-team point man, former New York Mayor Ruddy Giuliani, said the IG report is proof that the entire special counsel handling has been tainted from the beginning.  He claims it is leading away from clear evidence of illegalities allegedly committed by Secretary Clinton and her supporters.

Meanwhile, with no evidence yet of any direct or illegal ties to Russia by the Trump campaign, there were “spies” (informants) used, electronic, and other surveillance methods used against now President Trump’s team.

The deep state could be viewed through the “Drain the Swamp” lens that helped elect Donald Trump.

ThereIsNoDeepStateSwampRightHoneyTinaTomNewYorkTimesDailyBusinessNewsMHProNews

When senior FBI agents vowed to keep Mr. Trump from winning, or would cause him to be wrongfully impeached once he won, it is a constitutionally frightening development.

Elections are a peaceful way of selecting representatives of the people in a Republic. Elections create a stake for voters.  But if elections can be rigged by high-level public officials, attempting to work behind the scenes, that’s a problem that will not end well.

But it would be naïve to think that high-level “rigging of the system” was new.

We noted the concern of President Eisenhower.  But other examples exist of the power of the unelected bureaucratic federal officials – including but not limited to, the FBI – during the Vietnam conflict, and during the civil rights movement.

This is why vigilance is necessary.  That’s a basic price of freedom.

FreedomIsnTFreeFredrickDouglassQuoteCropsWithoutPloughingRainWithoutThunderOceanWithoutRoarSturggleMOralPowerConcedesNothingMHProNews

Every day, foreign powers seek to influence each other’s politics. That’s nothing new. The U.S. has done it, China and Russia do it, as do other nations too. So the hype – mostly from the left – over “Russia, Russia, Russia” shouldn’t be overlooked, but it must be taken in context.

For Americans to remain free, “We, the People” must be properly informed. President Trump and Bernie Sanders alike were debatably correct when each said that the “system is rigged.”

Day by day, it seems clear that the 45th Chief Executive of the United States means to keep his campaign promises.

Everyone has character foibles and flaws.

JamesWattFLOTUSHillaryClintonVastRightWingConspiracyDailyBusinessNewsMHProNews_001

James Watt was known for insightful quotes.

But Mr. Trump is demonstrably taking the nation in a better economic direction. The steps he’s taken have been good for business in general, and good for manufactured housing.

Editorially, MHProNews has and continues to support President Trump based upon principles like tax cuts that have worked for past Democratic and Republican presidents alike.

As the midterms are approaching, there is a fight within the Democratic party between moderate and more socialistic Democrats. So say members of the Democratic party.

Doug Schoen, Clinton Adviser, warns – “Democrats must advance an agenda…to create a society of opportunity for all – not guaranteed outcomes achieved through wealth redistribution.”

In the GOP, recent voting indicates that pro-Trump candidates are outperforming so-called moderate or more traditional Republicans.

Time and again, the president has found a way to get things done. That’s why Americans elected him.  Unelected “deep state” actors ought not be permitted to foil the will of the people, expressed in a valid election.  “We Provide, You Decide.” © ## (News, analysis, and commentary.)

(Third party image, and/or content, are provided under fair use guidelines.)

Related Reports:

NorthStar and Manufactured Housing Radix

 

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3) Marketing, Web, Video, Consulting, Recruiting and Training Resources

SoheylaKovachDailyBusinessNewsMHProNewsMHLivingNewsSubmitted by Soheyla Kovach to the Daily Business News for MHProNews.com. Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

 

How “Location, Location, Location” in Housing Can Shift, and Manufactured Home Industry Impact

June 15th, 2018 No comments
BoringCompanyElonMuskHyperloopManufacturedHousingIndustryDailyBusinessNewsMHProNews

Still from video, below.

One of the challenges facing manufactured housing for years falls under the heading of “Location.”

 

In real estate, there is an axiom that the three most important things about a property are location, location, and location. Per the Real Deal,the “Yale Book of Quotations” found the phrase used in a real estate classified ad in the Chicago Tribune in 1926,” so that notion has been around for nearly a century.

The Balance states that, “In a nutshell, location, locationlocation means identical homes can increase or decrease in value due to location.”

All of that may be true, but during an affordable housing crisis, there are tensions created by the dynamics that surround location.

It may sound like a fine point, but location is a common influence on not just housing prices, but land prices.  Among the costs associated with all forms of home building, is the cost of the underlying real estate — the value of the raw or developed land.

Rural land tends to be less costly than urban or suburban land does.  But among the reasons that urban or suburban land is higher, is that there are more people – think more demand – in a metro than in rural areas, by definition.

While there are exceptions, “that metro land cost is higher” rule-of-thumb, along with other dynamics, such as

  • work,
  • schools,
  • shopping,
  • worship,
  • social opportunities,
  • and entertainment, to name a few –

coupled with the law of supply and demand, has for centuries meant that an identical residence in a metro area will tend to cost more than the same residence in a rural setting.

Commuting time has also influenced the “location, location, location” realty mantra for those who are housing hunting.

And that last point, about commuting time, is what is facing a disruptive development that could prove useful to the manufactured housing industry.

But before moving onto the commute issue, a few specific points about manufactured homes in urban and suburban areas.

Some examples will make serve to make the case.

  • Aging manufactured home communities with locations that make them appealing for redevelopment has caused thousands of communities to vanish, while only a few hundred new properties have been opened. The linked articles can be read later for additional facts, insight, and understanding.

Hundreds of New Manufactured Home Communities Opened, But How Many Have Closed? Industry Research Result$

  • Scattered lot placements of manufactured homes have suffered from zoning discrimination – NIMBYism – an issue that tends to push the locations of homes into more rural areas, in a largely urban and suburban society.

 

Local Star Chambers Wage War on Affordable Housing

  • Affordable Housing is in heavy demand. But when the locations that a manufactured home can be placed would require a long commute, that commute time can lead many to pass on the otherwise lower cost manufactured home option.

LawrenceYunNARShort8.3MillionHousingUnitsRisingRentsHousingPricesCuredOnlyByMoreBuilding

 

How Emerging Tech is Poised to Change Some, or Perhaps Much of the Above

The Daily Business News has reported previously on the emerging hyperloop technology.

Can the Hyperloop Benefit Manufactured Housing, Millions of Home Seekers? w/Videos

Billionaire Elon Musks’ first hyperloop is nearing completion in Los Angeles, as the Daily Business News recently reported.

ElonMuskSpaceXTeslaBoringCompanyManufacturedHousingIndustryDailyBusinessNewsMHProNews

Musk is known for the Tesla, SpaceX and his Boring Company, among other ventures.

In Chicago, Elon Musk’s Boring Company has been awarded a contract to build an underground system that will hit an estimated 150 MPH. Once completed, various sources say it will make the trip from downtown to Chicago O’Hare Airport in about 15 to 20 minutes, instead of some 45 minutes.

The Verge is reporting that the project could start in 3 to 4 months. It could be finished in under 2 years.  And for cash-craving governments, note this point.  That the estimated one billion dollar project will be done using only private capital.

Using these principles, picture other metro areas developing rapid-transit people-movers – be they hyperloop or some other underground system – could dramatically reduce commute times.  That in turn would open up more opportunities for lower cost construction, such as manufactured housing.

 

Other Areas of Industry Concern

This could be part of a revolutionary change for manufactured housing’s ability to attract and sell more prospective urban buyers in the near future.  But as is often the case in MHVille, there are still hurdles.

The industry faces a range of concerns, including, but not limited to:

  • Public perception;
  • Financing – such as a robust Duty to Serve (DTS), plus reforms to FHFA and other GNMA lending;
  • Arguably monopolistic practices – which concerned industry and other expert voices believe is and has been stunting the industry’s growth;
  • Failure to enforce the law, particularly the Manufactured Housing Improvement Act of 2000, and the aforementioned DTS and related.

See related reports, linked below, for more details on what looks to be a seriously disruptive trend, that is just over the horizon.

Investors, consider what this could mean for those willing to think long-term, and act with vision, passion, and drive.  This could prove to be one of several possible magnets, attracting more to enter into the manufactured housing space. Time will tell. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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Related Reports:

Truth or Consequences – Monday Morning Sales, Marketing Meeting

5 Steps for Making Lemonade from Lemons, Monday Morning Manufactured Housing Sales, Marketing Meeting

Two Great Laws Already on the Books NOW,  Can Unlock Billion$ Annually for Manufactured Housing Industry Businesse$, Investor$

 

NorthStar and Manufactured Housing Radix

 

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Will Costs Rise $6,000 per Home? DOE Energy Rule on Manufactured Housing Revived, MHARR Rattles Legal Saber

June 12th, 2018 No comments

WillCostsRise$6000PerHomeDamagingDOEEnergyRuleRevivedMHARRrattlesLegalSaberManufacturedHomeIndustryMHProNews

The revival of a previously “inactive” energy rule for manufactured homes by the U.S. Department of Energy (DOE) may trigger legal action by MHARR on behalf of smaller HUD Code industry businesses,” said MHARR in a release do the Daily Business News.

 

As MHARR reported on December 18, 2017, the baseless, contrived and excessively-costly DOE-proposed manufactured housing “energy” rule, developed as part of an illegitimate, so-called “negotiated rulemaking” process — urged by the Manufactured Housing Institute (MHI) and “energy” special interests, as shown by documents released by DOE to MHARR under the Freedom of Information Act — was designated an “inactive” rule by DOE in the Fall 2017 Federal Semi-Annual Regulatory Agenda (SRA),” the Washington, D.C. based association’s statement said to the industry’s trade publication of record, MHProNews.

That proposed rule, however, possibly in response to pending litigation filed by the Sierra Club in December 2017 to force DOE to adopt a final manufactured housing rule, has now re-appeared in the Spring 2018 SRA, with a notation indicating that a “supplemental” Notice of Proposed Rulemaking (NPRM) is being targeted for publication by DOE by August 2018. (See copy attached),” MHARR said.

The reason the rule is important is because some analysis of the arguably flawed proposal reveal that a multi-sectional could spike $6,000 each.  As long-time Daily Business News readers recall, the National Association for Home Builders has calculated that for every $1,000 in price increase, some 200,000 potential buyers will be “priced out” of the market for that higher-priced home.  Rephrased, some 1.2 million customers using the NAHB “priced out” model would be knocked out, and some advantage over conventional housing could be lost in the process.

Here’s how MHARR put it. 

While there is no information available at present as to what the “supplemental” NPRM will propose — or may change from the initial NPRM published by the Obama Administration in June 2016 — MHARR (unlike MHI, which voted in favor of the proposed rule as part of the illegitimate “negotiated” rulemaking process) has consistently and strongly opposed this proposed rule, which would needlessly explode the purchase price of manufactured housing (by $6,000.00, or more, for a double-section home) and effectively force hundreds-of-thousands of potential lower and moderate-income HUD Code purchasers out of the manufactured housing market, based on research conducted by the National Association of Home Builders (NAHB).” 

Moreover, even for consumers who are able to remain in the HUD Code market, the contrived DOE “cost-benefit” assessment for the 2016 proposed rule, purportedly showing “benefits” for such remaining consumers, has been completely decimated by subsequent actions of the Trump Administration, which: (1) disavowed and repealed the Obama Administration’s invalid “Social Cost of Carbon” (SCC) construct, which was used by DOE to inflate the alleged benefits of the 2016 proposed rule; and (2) withdrew the United States from the “Paris Climate Accord,” which formed part of the policy basis for the DOE proposed rule,” reasoned MHARR.

As MHProNews has previously reported, MHI pushed for this rule, and only later reversed course, under pressure from reports by MHARR, the SBA, George Washington University, and this publication.  The linked article below can be read for additional context and details.

Manufactured Housing Institute (MHI) Shifts on DOE Regulatory Rule, Report, Analysis

 

What’s Next from MHARR?

Here’s an extended quote from the balance of the MHARR release, which will be follow by our 3 point summary/analysis.

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Consequently, unless the forthcoming “supplemental” NPRM substantially modifies and/or withdraws objectionable, unnecessary, and unnecessarily-costly elements of the initial DOE proposed rule, MHARR may have no alternative but to consider legal action to enjoin the enforcement of any resulting “final” rule. Prior to any such court action, however, MHARR (and the industry) will have a further opportunity to comment and take other administrative action, as warranted, with respect to the “supplemental” energy NPRM. 

MHARR, accordingly, will continue to monitor this matter very closely and will take further and additional steps as it deems appropriate.

In other matters reflected in the Spring 2018 SRA, HUD announced three regulatory actions affecting manufactured housing. 

First, HUD has withdrawn – effective April 4, 2018 – a pending “Third Set” of amended HUD Code standards, including recommended standards concerning “carbon monoxide detection, stairways, fire safety considerations for attached garages and duplexes.”  Presumably, this action was undertaken pursuant to HUD’s current “top-to-bottom” review of all existing and pending standards, and will be subject to further consideration and action as determined by that review. 

Meanwhile, HUD has reactivated – on a long-term basis — two other manufactured housing rulemaking proceedings that had previously been suspended under the Trump Administration’s January 2017 regulatory freeze order. These are: (1) an “interim final rule” to amend HUD’s formaldehyde emissions standards based on the new formaldehyde standards adopted by the U.S. Environmental Protection Agency (EPA); and (2) a final rule on amendments to the HUD Code’s regulatory exemption for recreational vehicles.

Both of these actions are slated for action by April 2019 and will be addressed further by MHARR on an administrative basis as warranted.   

MHARR will continue to keep you updated on all of these matters as further developments unfold,” said their release.

Once more at the heart of this issue is that consumers, per some analysis,

  • won’t be able to recoup their investment during the normal 7 year time frame that a home buyer lives in a home they purchase.
  • Also, manufactured housing professionals will see thousands of potential home buyers not be able to qualify, about 1.2 million, per the NAHB priced out model.
  • SBA, and George Washington University both agreed with MHARR’s analysis, while MHI pushed this rule for some time, prior to relenting.
  • What the Trump Administration will ultimately do will be worth watching, as some believe that this may be tied to a lawsuit from an environmental group.

The Arlington, VA based MHI position on this development will be interesting to watch, given their prior flip-flops.  “We Provide, You Decide.” © That’s MH “Industry News, Tips and Views Pros Can Use.”  © ## (News, analysis, commentary.)

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Related Reports:

NAHB Report – High Cost of Regulations Impact Housing – and Manufactured Housing

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Sunday Morning Manufactured Home Industry Research, Reports, Headline News Recap 6.3.2018 to 6.10.2018

June 10th, 2018 No comments
sundayMorningManufacturedHousingIndustryTradeNewsRecap6.3.3018to6.10.2018DailyBusinessNewsMHProNews

Trivia: If you look carefully, the screen shot of the iPad above often looks like the MHProNews home page did on that Sunday morning.

Mensch

 

We’re preparing an article about a Jewish gentleman known by scores in the Manufactured Home (MH) industry.

In mentioning our research to a Jewish MH industry colleague, he said, “Make sure you say that he was a mensch.”

Google’s online dictionary defines the word “mensch” like this.

MenschNobelPrizeofWordsTitleYouCantBestowOnYOurselfmensch

men(t)SH/

noun NORTH AMERICAN informal

  1. a person of integrity and honor

The Urban Dictionary says, “A mensch is a someone to admire and emulate, someone of noble character. The key to being “a real mensch” is nothing less than character, rectitude, dignity, a sense of what is right, responsible.”

Dictionary.com says a mensch is a “person of strength and honor,” 1907, from Yiddish, from German Mensch, literally “man, person,” from Old High German mennisco “human,” from Proto-Germanic adjective *manniska- “human” (see mannish

Everyone, including we non-Jews (“the goyim”), can learn much from the mensch we are fortunate enough to encounter in life.

 

Divisions

Among the things Tony and I discuss from time to time is how governments, by accident or design, can divide people who otherwise can joyfully coexist side-by-side, absent irksome meddling.

RC Williams, Daily Business News MHProNews

RC Willaims.

As R.C. Williams put it about a year ago, there are professional race-baiters. It’s a term used by others besides R.C., to describe individuals who literally make money stirring up racial discord, often using a non-profit, or other operation to collect money.

Political parties are useful in some ways, but it must also be acknowledged that political parties and their advocates have the tendency to divide people into “us vs. them.”

That can happen in professional groups too.

HowToBeAModernDayMenschThoughtcoDailyBusinessNewsMNProNEws

Scriptural scroll for rabbinic reading.

We’re not among those who believe that every religion is equal.  There are for example, Satanists, not many believers would put them on the same level as other groups. But we acknowledge that if God-Who-Created all gave man free will, then we must respect other’s right to choose.

That doesn’t imply that in politics, religion, economic or other distinctions that dialogue should be avoided.

Robust, frank dialogue that seeks truth in all its forms is to be celebrated.

So, respectful dialogue on issues that divide people ought to be embraced.

Absent absolute standards of right and wrong, how can we recognize what’s criminal, okay or what soars to the level of what is honorable?

To be a mensch – an honorable person who acts with integrity – whatever one’s personal or demographic data might be – requires standards.

 

Back to Basics

Many a coach has taken a struggle team “back to basics,’ Tony says. When something is awry, the basics ought to be among the first its to examine.  When the industry is still at historically low levels of sales, everything that contributes to that should be evaluated.

When Tony and I met nearly 15 years ago, Tony was working in the Houston metro area. He described an impressive manufactured housing retail operation that had lots of traffic. It had leading edge tech at that time. The display made every home look as if it was ground set.  Every home was staged to the 9s.

That retailer had multiple outlets.

But as impressive as that retail operation was, as high as their traffic was, their conversion ratios were low. Their sales were low.

They ended up going bankrupt.

Tony said much of their plan was fine, but when people aren’t buying in sufficient numbers to sustain a business, it’s an obvious sign that one or more things are either missing or are not sufficiently emphasized.

That retailer never became a client of his. For a fraction of the cost of their monthly overhead, they could have invested and won. They pinched pennies, and it cost them millions. It’s but one of numerous examples of ways that a firm can fail.

The word “integrity” has several meanings. One is “the state of being whole and undivided.”

HonestyIntegrityWordCloudEthicsTrustRespectSincereMonsoonLeadersManufacturedHousingMHProNEws

Honest people can fail. Dishonest people can succeed for a time, as some criminal enterprises prove.

But ultimately every operation that has integrity – in a free enterprise system – learns to serve the public in ways that benefit the buyer, while profiting the seller. It must be a mutual victory.

That win-win requires a foundation, the basics. Every company or organization needs it.

When there’s one or more mensch in the mix, a person of integrity and honor, the odds for sustainable success arguably goes up.

We salute all people who are honorable, and who act with integrity.

With no further adieu, let’s look at the week that was, in over two dozen headline reports.

 

What’s New on MHLivingNews

Celebrate National Home Ownership Month, with 26 Cool Prefab Cribs, a $1 Billion Dollar Hybrid Mansion, 4 Fun Videos

What’s New on the Daily Business News on MHProNews

Saturday 6.9.2018

Politically Incorrect Cartoon Commentaries, Lighter Side of Making America and Manufactured Housing Great Again

Politically Incorrect Cartoon Commentaries, Lighter Side of Making America and Manufactured Housing Great Again

Friday 6.8.2018

“Final Nail in the Coffin,” Bureau of Consumer Financial Protection Case Dismissed, Hensarling Reacts 

Oil Price Forecast, and Manufactured Housing, Plus MH Market Updates 

Manufactured Housing Institute Issues Alert – MHI Email Compromised

Manufactured Housing Institute Issues Alert – MHI Email Compromised

Manufactured Home Communities, Retailers, Developers Face Disruptive, Troubling Trend

Manufactured Home Communities, Retailers, Developers Face Disruptive, Troubling Trend

 

Thursday 6.7.2018

Reuters on U.S. Housing Price Pace, Manufactured Housing Visions

Buffett-Dimon Plan Dropping Guidance Harms Investor Insight, Analyst Bove Says, Plus Manufactured Home Market Updates

“Americans Deserve Accountability from Their Government,” Reforms, Result$, Counted, and Coming

“Americans Deserve Accountability from Their Government,” Reforms, Result$, Counted, and Coming

President Donald J. Trump Proclaims June 2018 as National Homeownership Month, Industry Reaction

 

Wednesday 6.6.2018 

Senator Elizabeth Warren, 2020 Presidential Prospect, Threatens Wave of New Regulations

Senator Elizabeth Warren, 2020 Presidential Prospect, Threatens Wave of New Regulations

“Gavin Newsom wants to turn this state [California] into Venezuela – we’re not going to let him,” John Cox – plus MH Market Updates

George Allen Reply to Mainstream Media re: Roane/Lackey/SECO Exposé, Plus MHI, MHARR, et al – “Make Manufactured Housing Great Again”

George Allen Reply to Mainstream Media re: Roane/Lackey/SECO Exposé, Plus MHI, MHARR, et al – “Make Manufactured Housing Great Again”

NorthStar and Manufactured Housing Radix

NorthStar and Manufactured Housing Radix

 

Tuesday 6.5.2018 

Doug Schoen, Clinton Adviser, warns – “Democrats must advance an agenda…to create a society of opportunity for all – not guaranteed outcomes achieved through wealth redistribution.”

Fannie Mae Touts MH Advantage Program, But Manufactured Housing Association Slams Plan as “Illegitimate,” “Bait and Switch”

Fannie Mae Touts MH Advantage Program, But Manufactured Housing Association Slams Plan as “Illegitimate,” “Bait and Switch”

Jobs, Jobs, More Jobs – What the Data Says, plus Manufactured Housing Industry Markets Update

President Trump Spotlights Factory Home Builder in Speech, Proven Promotion, Support of Industry Advancement

President Trump Spotlights Factory Home Builder in Speech, Proven Promotion, Support of Industry Advancement

 

Monday 6.4.2018

Skyline Champion Corporation Created as Skyline and Champion Home Builders Announce Closing of Business Combination, Exclusive Details

Skyline Champion Corporation Created as Skyline and Champion Home Builders Announce Closing of Business Combination, Exclusive Details

Koch Brothers Battling POTUS Trump Tariffs, Economic Adviser Larry Kudlow Defends, Stocks Jump, plus MH Market Updates

Manufactured Home Production and Shipment Report, April 2018, per MHARR, HUD, IBTS

Manufactured Home Production and Shipment Report, April 2018, per MHARR, HUD, IBTS

Truth or Consequences – Monday Morning Sales, Marketing Meeting

Truth or Consequences – Monday Morning Sales, Marketing Meeting

Sunday 6.3.2018

Sunday Morning Manufactured Home Industry Research, Reports, Headline News Recap 5.27.2018 to 6.3.2018

Sunday Morning Manufactured Home Industry Research, Reports, Headline News Recap 5.27.2018 to 6.3.2018

And that’s all she wrote, during the week that was, along with a bit of help from that other guy. ## (Headline news, week in review, recap, analysis, commentary.)

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Manufactured Housing Institute Issues Alert – MHI Email Compromised

June 8th, 2018 No comments

ManufacturedHousingInstituteMHILogoIssuesAllertEmailCompromised550x315

In a series of news tips form industry sources to the Daily Business News, a new staffer, David Townsend, MHI Vice President, Finance and Administration, is alerting members that MHI staffer Jenny Hodge’s email has been compromised.

 

The Arlington, VA based trade group are issuing a specific warning to the industry.  Do not open specific emails from Jenny Hodge, who is the vice president for the National Communities Council (NCC), and does research for MHI as well. See the screen capture of the MHI message below.DavidTownsendMHIManufacturedHousingInstituteLogoDailyBusinessNewsMHProNews600

Sources say the discussion of how best to address this email breach is an issue that was been brewing at MHI for about a day, before they sent the above alert.

Data and email breaches can happen to organizations of all sizes, including the federal government.

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The ‘news’ here is that MHI took, per reports, a day before advising the industry that they appear to have had one of their email accounts compromised.

There is also an unstated – for today – implication to this story, which will be dealt with in a separate, future report. Stay tuned.  ##  (News, analysis, commentary.)

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“Americans Deserve Accountability from Their Government,” Reforms, Result$, Counted, and Coming

June 7th, 2018 Comments off

AmericanDeserveAccountabilityFromTheirGovernmentDailyBusinessNewsMHProNews550x315

Americans deserve accountability from their government,” President Donald J. Trump said.

 

In a release to the Daily Business News, the White House press room has provided a partial list of some of what the Trump Administration sees as accomplishments on behalf of the Americans.

Through the first 500 days of the Trump Administration, the President has refocused the Federal bureaucracy to make sure that voters are truly in charge of Washington,” the release said.

Among their bullets:

President Trump has issued multiple Executive Orders that reform the Civil Service, including making union contracts open to public inspection, cutting down on taxpayer-funded union activities at Federal agencies, and easing the process to remove poor-performing workers.
The Administration is operating under a “One Federal Decision” memorandum of understanding for infrastructure, which puts the burden of coordinating complex permitting reviews on Federal officials, not applicants.
Despite obstruction from Congressional Democrats, the President has appointed a record number of Federal judges who are interpreting the law as it is written, promoting federalism, and standing for Constitutional liberties to combat government overreach.

As MHProNews has noted in recent reports, such as those linked below, the president is a builder, who’s administration has taken numerous pro-growth, pro-industry steps.

AllAmericansDeserveAccountabilityAndRespectThatsWhatWereGivingThemPresidentDonaldJTrump672018

Vice President Pence knows manufactured housing first hand, and HUD Secretary Ben Carson has praised manufactured homes as “amazing,” called the regulations frozen at HUD as “ridiculous,” telling MHProNews that he hears the industry, and wants to work with manufactured home industry companies of all sizes.

President Trump Spotlights Factory Home Builder in Speech, Proven Promotion, Support of Industry Advancement

So far, these represent unprecedented levels of support for manufactured housing at the federal level in over 25 years, per industry sources.

 

 

More from the White House

The White House also reminded MHProNews that the First Lady of the United States (FLOTUS) is recovering nicely, and made her first public appearance since her kidney surgery last month.

FLOTUSMelaniaTrumpFEMABriefingJune72018OfficialPhotoManufacturedHousingIndustryDailyBusinessNewsMHProNews

Today is also Vice President Mike Pence’s birthday. The Daily Business News editorially notes that VP Pence has not received as much recognition as his high-profile work has arguably merited.  He and the president do some events jointly, but VP Pence has also done several international and domestic events solo, engaged with Congressional or business leaders as the Oval Office has desired, and more.

HappyBirthdayVicePresidentPenceManufacturedHousingIndustryDailyBusinessNewsMHProNEws

An extended quote from the White House media communications team regarding the first 500 days to MHProNews is below.

— start of extended quote —

TheWhiteHouseDailyBusinessNewsMHProNews

TheWhiteHousedatelineJune72018

REFORMING BUREAUCRACY: Through Civil Service and VA reforms, President Donald J. Trump is refocusing

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the Federal workforce and increasing its accountability to taxpayers.

  • President Trump signed legislation to bring more accountability to the Department of Veterans Affairs and provide our veterans with more choice in the care they receive.

o   President Trump signed into law the Department of Veterans Affairs Accountability and Whistleblower Protection Act of 2017, and worked with Congress to forge an overwhelming bipartisan vote of support for the MISSION Act.

o   President Trump signed the VA Choice and Quality Employment Act into law, authorizing $2.1 billion in additional funds for the Veterans Choice Program.

  • The President has issued multiple executive orders aimed at reforming the civil service to work for the American people. These orders:

o   Require agencies to work on negotiating better, more efficient, union contracts and to make those contracts open to public inspection;

o   Cut down on tax-payer funded union activities at Federal agencies, saving tax-payers an estimated $100 million a year; and

o   Enhance the accountability of the Federal bureaucracy by easing the process for removing poor performing employees and strengthening the merit system.

  • The President issued his “One Federal Decision” memorandum of understanding, encouraging coordinated infrastructure permitting reviews across the Federal government.

RETURNING CHOICE TO HEALTHCARE: President Trump’s actions on healthcare have increased options for Americans and returned decision-making about healthcare to individuals.

  • President Trump successfully eliminated the penalty for Obamacare’s burdensome individual mandate through the Tax Cuts and Jobs Act.
  • President Trump is expanding affordable coverage options through Association Health Plans and short-term, limited-duration plans for families and employers harmed by Obamacare.
  • President Trump has released a blueprint to lower drug prices for American patients and consumers, reform Medicare programs, promote competition, and increase transparency.
  • Last year alone, the FDA approved more new drugs than ever before in history, saving consumers $8.8 billion.  Medicare changes will save seniors an estimated $320 million.

EXPANDING LIBERTY: The President has appointed judges who faithfully apply the law and is working with State, local, and Tribal leaders to combat government overreach.

  • President Trump has appointed a record number of Federal judges, who are interpreting the law as it is written, promoting federalism, and standing for our individual constitutional liberties – including appointing Justice Neil Gorsuch to the United States Supreme Court.
  • The President has protected freedom of conscience by issuing rules protecting religious employers from having to violate their religious or moral beliefs or shut their doors; revising FEMA policy to ensure that houses of worship receive the disaster aid to which they are legally entitled; and ardently defending religious liberty in the courts.
  • President Trump has improved the accountability of America’s immigration system and is actively combatting ‘sanctuary city’ laws, which endanger communities across the Nation.

— end of extended quote —

IWillLowerTaxesEliminateUnnecesaryRegulationUnleashAmercianEnergyPlacingAMericanBusienssandWorkersFirst-DOnalTrumpNationViewsMHProNews

President Trump and VP Mike Pence have both said they will be in the promise keeping business.

MHProNews notes as a disclosure that we’ve editorially supported Team Trump’s “America First” agenda as best for manufactured home owners, businesses, and the nation at large.

WeWillNeverFixRiggedSystemByRelyingOnPeopleRiggedItFirstPlaceDonaldJTrumpPOTUSTheConservativeTreeHouseMastheadMHProNews590

That support began during the presidential primaries, and has continued since. “Promises made, promises kept.”

As the National Federation of Independent Businesses (NFIB), and the Manufactured Housing Association of Regulatory Reform (MHARR) leadership have noted, the administration’s policies have been raising the boats of workers, investors, and other professionals.

There’s more work to do, and the midterms are looming. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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Related Reports:

White House Signing Ceremony on Historic Pro-Growth Financial Regulatory Reform

Fed Reports = American Household Net Worth Soar$

NorthStar and Manufactured Housing Radix

HUD’s Operation Breakthrough, Promoting Factory, Industrialized Building – Mobile Home Era to Modern Manufactured Homes.

 

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NorthStar and Manufactured Housing Radix

June 6th, 2018 Comments off

 

NorthStarManufacturedHousingRadixPXManufacturedModularHomeIndustryDailyBuisnessNewsMHProNews

This is why we operate with a “North Star Goal‘, a light that represents the highest aspirations of a business. Like a next-generation mission statement, a North Star Goal orients the identity and direction of a brand, guiding all decisions, strategies, and partnerships.”
Bag the Habit.
(emphasis added)

 

The northern star for centuries was and remains today as a guiding light in the nighttime sky, a star which helped sailors orient their direction at sea.

The North Star shines with a humble brightness that belies its navigational importance. Polaris, or the North Star, sits almost directly above the North Pole; therefore, it is a reliable gauge of North if you find yourself lost on a clear night without a compass,” says Universe Today.

 

What is the North Star for Manufactured Housing?

When morality in America represented a broadly shared set of values, many of the professional issues faced today were less evident. There was no huge pushback in the 1950s when in the words In God We Trust” was placed upon U.S. currency. There was less debate when images of the Ten Commandments were set in stone, or otherwise framed and placed in public settings or taxpayer funded buildings.

Shared Judeo-Christian values gave some 97 percent of the people greater moral clarity.

Time magazine reported in 2016 that, “a 1965 poll by Lou Harris finding that 97% of Americans still believed in God. By the time Gallup asked the same question in 2014, that number had fallen to 86%, with 12% of Americans claiming no belief and 2% with no opinion.”

Also in 2016, a Time article said, “In God We Trust” was first added to U.S. coins during the beginning of the Civil War, when religious sentiment was on an upswing and concerned Americans wanted the world to know what their country stood for. Many wrote to Secretary of the Treasury Salmon P. Chase on the matter, and he agreed with their arguments. Congress passed his act requesting the addition of “In God We Trust,” adapted from a lesser-known verse of Francis Scott Key’s “Star-Spangled Banner,” and the first two-cent coin with the phrase was minted in 1864.”

Let’s be blunt. Consumers want to do business with honest professionals.

Few want to walk into a business that has a reputation for dishonesty.

Shared common values are so useful in society, that several of the founding fathers wrote that they deemed them to be essential to America’s success.  That doesn’t mean that every manufactured home sales office ought to have to have a Bible on every desk, but it does mean that a business ought to reflect its values through behavior. Indeed, most do.

But what about those organizations that don’t?

In our routine interactions with consumers – due to publishing, marketing and sales coaching/training with MHPros, and in online discussions with the public – it is safe to say that manufactured housing is unjustly viewed dimly by millions.

But whining about an undeserved image isn’t a solution.

Good industry businesses and professionals must get to the root issues, or the “image issues” caused by problematic people and/or organizations will define the good.  That’s reality.

Consumers may not use the term “morality,” or “ethics.”  But experience shows that a significant part of their distrust of the manufactured home industry is rooted in a lack of confidence in what is said.

MarkJobSomeoneIsTryingTosSellYouManufacturedHouseDailyBusinessNewsMHProNews

How are more new manufactured home sales achieved, without addressing the causes of the public’s lack of trust?

When so-called industry leaders are seen as giving cover for arguably unethical activity, doesn’t that just fuel the problem?  A recent, actual case may serve to make the point.

Public officials and consumers alike have accused a business of “selling” homes to consumers “contract for title” when the seller allegedly doesn’t even own the units being sold. Doesn’t’ that type of story, repeatedly in a region’s local news, only fuels a negative image about manufactured housing and industry professionals?

When industry publishers and association leaders fail to fairly investigate and address that type of transgression in some lawful, and appropriate fashion, isn’t it reasonable to presume that more of the public’s confidence in manufactured housing as an industry can be further undermined?

MobileHomeShipmentsManufacturedHomeShipmentChartMHIAShipmentsMHIndustryChampionSkylineHUDCodeDailyBusinessNewsMHProNews

Back in the late 1960s, and early 1970s, news stories about flimsy or fire prone mobile homes in the mainstream media were responded to by industry professionals working to pass the HUD Code. Today, the industry’s quality is “amazing,” as HUD Secretary Ben Carson has said. But the industry’s image doesn’t match up with the reality. Part of the solution must be an ethical code of conduct that good associations promote and live by.  That means that when uehtical professional behavior occurs, there has follow through by the industry’s professionals.  That’s both the right and the prudent thing to do.  That’s a practical example of a North Star.

Manufactured Housing Radix

Google’s online dictionary defines both a mathematical meaning for the term “radix,” and a formal meaning. The formal definition says this about radix,

a source or origin of something.

“Judaism is the radix of Christianity

Radix is Latin, which is used some in medicine. Collins dictionary says this, “Word origin of ‘radix’ C16: from Latin rādīx root; compare Greek rhadix small branch, rhiza root.”

So, radix is the root, the origin or foundational issue.

For manufactured housing and the public, its an issue of trust. When millions a year in the U.S. consider manufactured homes, but only some 92,900 bought a new one in 2017,  that’s a wake up call.

Morality is essential at every level of business and society. For example, if brute force power becomes the organizing principle of Americans and business in the U.S., the nation is debatably heading toward even more turbulent waters.

Clear codes of business ethics that include action, not mere lip service, are a must if our industry is to thrive again.

In response to a controversy over some problematic advertising – MHI advertorials – industry professional, millennial Tom Fath, said this.

TomFathTheMHCommunityWillSucceedWhenWeFocusOnFactsNoSaleBasedUponIllusionOrFeelingsDailyBUsinessNewsMHProNEws

It is safe to say that none of us live up perfectly to the moral code set forth in the Ten Commandments. Everyone slips and falls, but isn’t part of the question what happens after a mistake is made? Is the error covered up?  For example, are consumers who are wronged made whole?

In the Daily Business News reports and analysis, the facts, the truth, and common decency – morality – are referenced as guiding lights.

When deception is occurring, it ought to be roundly condemned and corrected in some appropriate fashion.

That’s a sense of our North Star as a trade publisher. What about you and your business? “We Provide, You Decide.” © ## (News, analysis, and commentary.)

Related Reports:

NPR’s Syringa Mobile Home Park Story, Revisited by Community Owner

George Allen Reply to Mainstream Media re: Roane/Lackey/SECO Exposé, Plus MHI, MHARR, et al – “Make Manufactured Housing Great Again”

 

George Allen Blasts MHI, NCC Ignoring Own, Spencer Roane, SECO, COBA7, Tom Lackey Controversies

Spencer Roane w/Southeast Community Owners (SECO), Praises Tom Lackey, Accused of Rent-to-Own Manufactured Home Sales Improprieties

Affordable Housing Focus Group – Comparing Housing Options – Conventional Houses, Condo, Rentals, and Manufactured Homes – Up for Growth, National Association of Realtor, Studies

 

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Fannie Mae Touts MH Advantage Program, But Manufactured Housing Association Slams Plan as “Illegitimate,” “Bait and Switch”

June 5th, 2018 Comments off

FannieMaeIntroducingMHAdvantageManufacturedHomeLoanEvolvingWithIndustry

In a letter to the Manufactured Housing Institute (MHI) and Manufactured Housing Association for Regulatory Reform presidents, Jonathan Lawless, Vice President of Fannie Mae advised the two national trade associations of their news “MH Advantage” program for manufactured homes.

 

The opening from the letter from Lawless to the two national trade association CEOs opens as is shown below.

LawlessOpeningtoRichardJennisonMHIMarkWeissPresidentManufacturedHousingAssocRegulatoryReformMHARRDailyBUsinessNewsMHproNews550x505

Click here or below for the entire Fannie Mae letter to MHI and MHARR.

Rephrasing, manufactured homes that don’t fit the program won’t get financing.

The entire letter from Lawless, which was obtained by the Daily Business News, is linked above as a download.

Fannie Mae, as attentive MHProNews readers may recall, has drawn fire for being a member of MHI.

The GSEs have also been called out by House Financial Services Committee Chairman Jeb Hensarling for lobbying, a charge the federally regulated home finance giant denies.

Update on Fannie Mae Lobbying, and Manufactured Housing Controversy

A letter published by MHARR leaned into Lawless and Fannie Mae, saying the plan is not acceptable.

MarkWeissJDPresidentCEOManufacturedHousingAssocRegulatoryReformDailyBusinessNewsMHProNews“…the MH Advantage Initiative, both in its underlying concept and premise, is in fundamental conflict with the DTS mandate – and suffers from other fatal defects – which render it wholly unacceptable to MHARR.”

MHARR’s president – an attorney and multi-decade industry veteran – began to carve up the Lawless letter as follows.

In relevant part, your June 4, 2018 letter states: “MH Advantage homes [will] have design features – developed after consultation with a range of manufacturers – more often associated with site-built homes.” (Emphasis added). The purpose of DTS, however, is not to change the fundamental character of HUD-regulated manufactured housing to be more like site-built homes, or to funnel DTS-based financing to higher-cost homes that are not in the mainstream of affordable HUD Code manufactured housing production,” wrote Weiss.

The DTS mandate, rather, as MHARR has noted on multiple occasions, was enacted by Congress as:

(1)  a congressional finding that Fannie Mae (and Freddie Mac) have not — and still do not — properly serve the manufactured housing market and manufactured housing consumers, despite existing Charter obligations to support homeownership opportunities for very low, low and moderate-income Americans, as well as  

      (2) a remedy for that specific failure.”

Weiss said that the failure of the predecessor to this program, MH Select, completely missed the mark, saying: “As the abject failure of the earlier Fannie Mae “MH Select” program,” saying that no loans had been made under the prior program.  Weiss said, MH Select, “…resulting, according to available information, in exactly zero loans…”

Indeed, the fact that it has taken ten years to get even this far, after decades of failing to serve the manufactured housing market (as determined by Congress), shows that Fannie Mae has no real intent to comply with DTS as established and designed by Congress.”  HERA 2008 is the legislation that established the Duty to Serve (DTS) manufactured housing, and after a 10 years, and it is only now that a chattel lending program is being rolled out.

Instead, prejudice, discrimination and outright bias against those prospective homebuyers – who the GSEs were formed to serve and DTS was specifically enacted to serve and benefit – has been the hallmark of Fannie Mae (and Freddie Mac) policy for decades, leading to the DTS mandate in the first place,” said Weiss.

“…As such, this program does not constitute a legitimate implementation of DTS as much as a diversion, “bait and switch,” and illegitimate end-run around the consumers and policies that DTS was enacted in order to advance,” the Washington, D.C. based MHARR president said.

This circumvention of the purposes and objectives of DTS, moreover, does not even begin to address other significant competition-based concerns regarding the specifics of the MH Advantage Initiative, including compliance criteria that were developed behind closed doors, in closed proceedings accessible only to select participants (as determined by Fannie Mae); and — according to information available to MHARR, onerous energy requirements that have been advanced by the largest industry manufacturers from both a marketing and regulatory perspective, and specifically favor those manufacturers,” Weiss stated, adding, “Nor does any of this even begin to address the possible intersection between the MH Advantage Initiative and a secretive “new class” of manufactured homes being advanced by the same large manufacturers – and their trade organization, the Manufactured Housing Institute (MHI) – which supposedly was “well received by Fannie Mae and Freddie Mac.”

Perhaps to Weiss point, the Fannie Mae website features two photos with their public announcement of the program, both from the company that MHI’s chairman represents.

The “MH Advantage” Initiative, therefore, is less about implementing DTS for its intended beneficiaries than avoiding the type of market-significant securitization and secondary market support for mainstream, affordable manufactured housing that DTS was designed and intended to produce.  As such, it violates DTS and is wholly unacceptable to MHARR.”

 

The View of the Finance Fray from MHProNews…

The Daily Business News warned the industry months ago that the so-called “new class of homes” being promoted by MHI was potentially the latest “trojan horse” from MHI. The articles linked below can be read later, and are provided as a reference and for more details.  But

 

Manufactured Housing’s “Trojan Horse”

 

The Fannie Mae letter should heighten that concern, as those retailers, communities, and producers that don’t participate in a plan tailored to the “big boys” at MHI.

 

Secretive “NEW” Class of Manufactured Housing Raises Serious Concerns

 

As MHProNews has warned, there are potentially monopolistic implications from these actions.

 

Wisconsin Housing Alliance – an MHI ‘Affiliate’ – Amy Bliss’ Messages Raise New Anti-Trust Issue

Several pending reports related to this topic are on the horizon.  But the bottom line for now is that this move by Fannie Mae may signal yet another attempted end-around by larger MHI member companies aimed at smaller independent ones — and it may be happening with one or both GSEs assistance.

MHProNews has reached out to Fannie and MHI for comment. While there are many possibilities, based upon years of prior disappointments on DTS, this does not look promising. Time will tell, more to come. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

(Third party images, and content, are provided under fair use guidelines.)

Related Reports:

Smoking Gun 3 – Warren Buffett, Kevin Clayton, Clayton Homes, 21st Mortgage Corp Tim Williams – Manufactured Home Lending, Sales Grab?

Duty To Serve, “Complete Waste of Time” per Tim Williams, CEO/21st Mortgage; POTUS Trump, Warren Buffett Insight$

Manufactured Housing – Regulatory, Other Roadblocks and Potential Solutions, Up for Growth Research, plus Urban Institute Report Revisited

President Trump Spotlights Factory Home Builder in Speech, Proven Promotion, Support of Industry Advancement

 

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SoheylaKovachDailyBusinessNewsMHProNewsMHLivingNewsSubmitted by Soheyla Kovach to the Daily Business News for MHProNews.com. Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

 

Rollohome, Creating 60,000 Factory-Built Homes in 2 Years

June 1st, 2018 Comments off

RollohomeMarshfiledWINewsHeraldManufacturedHousingIndustryDailyBusinessNewsMHProNews549x313

Rollohome was started by Elmer Frey in his family barn as a one-time trailer sale. Soon he and his brothers Roland, Harold and Norman and his brother-in-law John Bertschie, began large scale operations in the sale and production of mobile homes. By 1950, Rollohome, was the city’s fastest growing business and within two years had sold more than 60,000 units,” according to Vintage Views in the Marshfield, WI News Herald.

 

Many industry veterans still think about Elmer Frey, and what their team accomplished in such a short period of time.

The relevance today?  If building and selling 60,000 homes could be achieved in 1950, why can’t that be done with manufactured homes in 2018 and beyond?

The Freys pushed the lengths to over 40 feet and several state laws pertaining to trailer length and width were changed. They also donated one trailer to the State Historical Society as a traveling museum,” per the News Herald.

Marshfield originally sported three mobile home manufacturing plants: Rollohome, Marshfield Homes, and Wisconsin Homes. Wisconsin Homes was a spin-off of Rollohome and was directly controlled by those in control of Rollohome. Wisconsin Homes and Marshfield Homes both had rail spurs and received rail service. Marshfield Homes,” according to wld-nmra.com.

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This production center produced 60,000 homes in two years, per the Marshfield News Herald.

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The original plant was located between East Ives and East Upham streets to the north and south and between North Central and North Peach avenues to the east and west. Today this area is occupied by the Marshfield Mall, Central City Credit Union, McDonald’s and the Comfort Inn,” said Vintage Views.

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It hasn’t been so long ago that John Wick addressed the Wisconsin Housing Alliance (WHA), raising his concerns for the future of the industry.

John Wick of Wick Building Systems was sold a controlling interest and increased production and added manufactured homes. The names Marshfield Homes, Artcraft Homes and Rollohome all were part of the company at times,” the News Herald report concluded.

MobileHomeShipmentsManufacturedHomeShipmentChartMHIAShipmentsMHIndustryChampionSkylineHUDCodeDailyBusinessNewsMHProNews

Once more, the purpose of these MHProNews Flashback reports is precisely to inspire the industry’s professionals, including the younger ones who otherwise have little-to-no connection to these past glory days for the industry.

TrailerHouseMobileHomeManufacturedHomeFactoryBuiltHousingEvolution101MHProNews-MHLivingNews

Make a habit of using the correct terminology.

The periodic MHProNews flashback series is more than mere nostalgia.

What was accomplished 68 years ago, can absolutely be accomplished today.  We have more tech, more capital, arguably more of everything. So all it requires is the vision, commitment, “time, talent, and treasure” needed to make the possible reality.

MHLivingNewsImprovedLivingForLessMHProNewsMHMarketingSalesManagement

Innovation – Information – Inspiration for Industry Professionals © is how the U.S.’ 8.3 million unit shortages of affordable housing could be addressed by manufactured home professionals, and investors, starting today.  ## (News, analysis, and expert commentary.)

(Third party images, and cites are provided under fair use guidelines.)

Related Reports:

High-Rise Manufactured Home Stackable Towers, Compete with Modular/PreFabs, Density at Lower Cost

HUD’s Operation Breakthrough, Promoting Factory, Industrialized Building – Mobile Home Era to Modern Manufactured Homes.

GSE Asked: Will Manufactured Housing Overtake Conventional Homebuilding?

Understanding the Modern Realities of MHVille – Winners, Losers, Profits, and Loss

Robotics, 3D Printed Housing, Imminent Challengers for Manufactured Homes, Modular Housing – 3D Build Systems CEO Don Musilli

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SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News for MHProNews.com.
Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.