Posts Tagged ‘Danny Ghorbani’

Ben Shapiro Nails It on Taxes, Regulations, and Affordable Housing – Under 2 Minute Video Must View for MH Industry Pros

May 16th, 2018 No comments


Ben Shapiro is a renowned conservative political pundit, syndicated columnist, lawyer, and NYT bestselling author. He is Editor-in-Chief of news and opinion site The Daily Wire and host of the popular video podcast, The Ben Shapiro Show,” says his YouTube page.


Fox News has called Shapiro “a leading millennial conservative.”

In the under-two minute video clip below, Shapiro joined Fox & Friends to discuss the new “head tax” in Seattle.  In it, he rapidly lays out the case that should have affordable housing advocates – including manufactured home professionals – on the edge of their seats, with note pad in hand.

Shapiro says that high demand, and over-regulations on developing are part of what’s fueling soaring housing costs.

A profile video on the fast-talking attorney is below.  Shapiro’s approximately 100 million page views a month Daily Wire is roughly 30 times more than what Webalizer says industry-leading MHProNews traffic is. He clearly must have something to say that people want to read and hear.

While the evidence-and-logic focused attorney doesn’t mention any specific kind of housing in the first video, common-sense suggests that the modern manufactured homes that HUD Secretary Ben Carson called “amazing” in recent Senate testimony are an important part of the solution to the affordable housing crisis.  You don’t have to be a brain surgeon to realize that almost everything we use comes from a production center.

The logic of factory-based home building is proven, and necessary.

Affordable housing is a non-partisan issue, as Danny Ghorbani – an engineer and the retired founding president of the Manufactured Housing Association for Regulatory Reform (MHARR) – has often said.

With this more business-friendly regulatory environment under the Trump Administration, the time is now to promote a better understanding of the factors that fuel economic growth.

Lower taxes, less and more common-sense regulations, are spurring the economy.

The Treasury took in a record amount of taxes last month, even though there’s been a big tax cut.  The formula that the Daily Business News has noted worked for Democratic President John F. Kennedy and Republican President Ronald Reagan, is also working for pragmatic President Donald J. Trump.

If the industry can cut through the D.C. noise, and get HUD and FHFA to enforce existing laws, the result will be a revival of manufactured housing (see related reports, below).  Thus private enterprise – in the form of routinely unsubsidized manufactured homes, as Secretary Carson said – can be an important part of the solution to the affordable housing crisis.

On a closing note regarding Shapiro.


Note that “progressive” (read, Democratic) Jeff Bezos led Amazon, and equally progressive led Starbucks are among those hollering the loudest about the new Seattle head-tax.  Doesn’t Amazon’s threat to not build there make the point that higher taxes harm an economy?

Issues of taxation and regulation, as MHProNews has said for years, can be summed up like this.  The power to tax or regulate is the power to destroy. Manufactured home industry professionals, investors and advocates need to see the reality of that logic.  It is up to professionals to point to events both past and present that prove that to be so. We must personally take those proven principles, and make that case with your circle of influence, in the marketplace, and at the ballot box. ## (News, profile, analysis, and commentary.)

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Related Reports:

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

Seattle’s Assault on Amazon, Bigger Businesses Passes Affordable Housing Tax, Plus MH Market Updates


L. A. ‘Tony’ Kovach addressing industry professionals in an educational session.

By L.A. “Tony” Kovach – for

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and

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Greener, Stylish Manufactured Homes – Hidden Facts in the Washington Post Manufactured Housing Narrative

May 12th, 2018 No comments


Whatever one thinks about their political leanings, the Washington Post is one of the most important and influential news publications in America.


They decided to publish an article recently about the HUD Code manufactured housing program.

More specifically, the Washington Post (WaPo or WP) wrote about the inner workings of HUD under the Trump Administration, with Secretary Ben Carson at the helm.

The WP’s award-winning Juliet Eilperin wrote about the quality of today’s manufactured homes, specifically citing Secretary Carson’s quote about how “amazing” they are.

Eilperin’s article also talked about both national manufactured housing associations.


MHI, MHARR, and MHEC logos, are each the property of their respective association, and are shown here under fair use guidelines.

As long-time Daily Business News readers know, there are two national associations that work in manufactured housing. There is the larger of the two, the Manufactured Housing Institute (MHI), based in Arlington, VA. That’s right across the river from Washington, D.C.

Then there’s the Washington-based Manufactured Housing Association for Regulatory Reform (MHARR).

Decades before, the Washington Post published another article about the association known today as MHARR. That article focused on MHARR’s fight with HUD for a removable chassis for manufactured homes. We will return to that removable chassis point later.

It isn’t at all odd that there are more than one national association for manufactured housing.

In conventional housing, there are:

  • The National Association of Home Builders (NAHB), a “producers” association.
  • There is the National Association of Realtors (NAR), a “Post-production” trade group focused upon the resale of existing homes.
  • There is the Mortgage Bankers Association (MBA), and they focus more on financing of new construction, the resale of existing homes, and the refinancing of homes.

The list of housing associations goes on to multiple-family housing, remodeling, and more.

So, if anything, manufactured housing presently has fewer associations than conventional housing does.

That helps explain one reason why, perhaps, that a HUD official told MHProNews that they don’t expect the manufactured housing industry to speak with one voice.’ Unity doesn’t exist in housing.  Nor is there full unity in the automotive trade association world either, where dealers and producers have separate associations.

Those separate trade bodies often sit down, or via conference calls, communicate and work with each other to resolve issues and differences on legislative or other matters.

So manufactured housing isn’t unique, and Eilperin’s Washington Post article helped highlight that important detail.

So-called unity in manufactured housing is not to be expected any more than in other professions.


More Hidden-in-Plain-Sight WaPo Insights

But there is more to her Washington Post article, for those who read it carefully and objectively.

In America today, it’s become commonplace to understand that media has an agenda.

What the 45th president calls “fake news,” is at times agenda driven, weaponized reporting. There are partisans on both sides of the left-right divide that sharpen their articles to reflect their perspectives. It’s more out-in-the-open today, and thanks to research like award-winning Sharyl Attkinsson’s, we now have a chart – the one below – to reference that helps readers understand the left-right bias of a given major news source.


Full Measure’s Sharyl Attiksson’s media bias chart is useful in sorting out the agendas behind various headlines and news sources. 


From the far left – The Nation – to the right – Breitbart – there are voices in media that have focused on the problematic issue of monopolistic dominance of certain sectors of the American economy.

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

In manufactured housing, The Atlantic, The Nation, the Seattle Times, the Washington Post, the New York Times, and Fox News are among those mainstream media outlets that have focused reports on various aspects of manufactured housing.

Bloomberg, HousingWire, Realtor and Fox all suggest Manufactured Homes as Important Solution for Affordable Housing in America

Let’s note that while agendas exist, affordable housing isn’t a partisan political issue.


Danny Ghorbani, photo credit, the Journal.

That’s what former MHARR president, Danny Ghorbani has said, that the manufactured housing industry can work successfully with both sides of the political aisle.  He’s right, and that’s been the industry’s history for decades.

The contrast between MHARR and MHI is an interesting and notable one.  And Eilperin’s WaPo narrative helped highlight it.

MHI has a political action committee, or PAC. MHARR does not.

MHI says they represent ‘all aspects of factory-built housing,’ meaning production and post-production, including lending, suppliers, etc.  It also means MHI represents manufactured homes, and modular too.

MHARR, by contrast, clearly states they represent only the interests of the independent producers of HUD Code manufactured housing.

That said, MHARR has an interest in seeing independent retailers, builder/developers and communities thrive.  After all, that’s their client base.

MHI has several times MHARR’s annual budget, and far more staff.

Yet the Washington Post report on the controversy at the Office of Manufactured Housing Programs (OMHP) made clear that it was MHARR that succeeded at having Pam Danner removed from her role as administrator over the HUD Code manufactured home program.

Juliet Eilperin’s Washington Post HUD Manufactured Home Program News Confirms Manufactured Housing Institute Position and Report

Meanwhile, it was MHI that contributed to or influenced having Lois Starkey removed from her roll at HUD.


And why were the documents related to MHI’s effort to remove Starkey – note that those memos were dated months before the Washington Post story – why did take their attorney so long to complain to HUD after Starkey left MHI?

MHProNews published the fact that Starkey was at HUD, and MHI knew it before from other sources at HUD too.  So, why did MHI delay their protest of Starkey joining HUD?

HUD’s Pam Danner Announces former MHI VP Lois Starkey Joining HUD

Eilperin’s Washington Post report is a rich, revealing narrative. For example, it reflects an anti-Trump Administration stance. Eilperin says that the Trump Administration is trying to take control of all aspects of the federal government, even this previously obscure office manufactured housing office buried deeply away at HUD.

News flash. Every president tries to take control over the federal government. It’s part of the job description for the chief executive of the United States of America.

But Eilperin raises an important point: with an affordable housing crisis raging in America, why has manufactured housing been tucked away in obscurity for so long at HUD?


Lesli Gooch. Credit: MHI.

What MHI EVP Lesli Gooch admits to doing, is surprising too.

Per Gooch to WaPo, MHI wanted to see HUD restructure the manufactured housing program office within the broader arrangement at HUD. Hmmm…okay, duly noted.

But what Pam Danner did was a clear federal overreach of her office’s power, from the perspective of hundreds of manufactured housing operations across the country. Why wasn’t MHI’s response to Danner’s overreach to try – as did MHARR – to have Danner removed?

Note that even though MHI and state associations – which are arguably dominated by MHI, as MHProNews has previously reported – also had members that wanted Danner’s removal.

So why didn’t MHI listen to their own grass roots?

Thus, MHARR is made to be – from an industry reading of the WaPo narrative – an association hero.

MHI’s own EVP frankly stated they were doing something different than seeking Danner’s removal. In fact, the action taken by MHI’s attorney toward Starkey was surprising. MHI’s outside counsel literally said in part that MHI considers HUD to be MHI’s client.

HUD a client of MHI?

Surprising, but it is there in black and white. Was that ‘client’ reference a boiler-plate-letter oversight that was sent by MHI’s outside counsel to HUD uncorrected? Or does MHI literally believe HUD is MHI’s client??  Isn’t either an embarrassment?

Go to the WaPo article – linked here – and see the downloadable related documents Eilperin obtained for yourself.

The WaPo narrative is rich in such details and insights. Eilperin did the industry numerous favors in how her article is framed, which is seemingly meant as a hit at Secretary Carson, and the Trump Administration.  But a careful reading of her narrative with insights like those noted herein reveals instead that Team Trump are reforming years of prior HUD Code program regulatory overreach that Dr. Carson called “ridiculous.”

Our sources tell us that the new status quo at the HUD manufactured housing program office is expected to continue under the temporary leadership of Teresa Payne.  Payne led the program once before, as long-time MHProNews readers with a keen mind recall.

The Daily Business News is also told to expect a slow-dance on the Brian Montgomery appointment by the Senate. Until that time, Dana Wade is ably serving Secretary Carson in a key spot, and seems to be doing so in a manner that keeps both trade groups – for now – officially pleased.


Another Bottom Line?

The WaPo narrative reveals many more details. Each of them confirms numerous, prior MHProNews reports and commentaries.  It’s an opportunity, as a reader prodded us, to say “I told you so” about MHI being the de facto road-block to not having Danner removed even sooner.  See Transparency, among many other reports that were confirmed by WaPo, linked below for later in-depth reading.

Andy Gallagher, “Ousting” Pam Danner, MHI, Clayton’s RVP, WVHI – “Transparency”

Another thought provoking point for this weekend is this. MHI allowed HUD to overreach, without asking for Pam Danner’s removal. Why?

Who, besides big businesses, benefit when all sizes of businesses are being oppressed?

MHProNews has taken pains for years to lay out the cases that point to the fact that heavy regulation harms smaller businesses more than bigger ones.


In banking, community banks suffered under Dodd-Frank, even though community banks arguably had far less impact on the financial meltdown that gave rise to the birth of Dodd-Frank and the CFPB in the first place.  Even giant U.S. Bank closed its manufactured housing program, not because it wasn’t profitable.  Rather, U.S. Bank pulled the plug due to regulatory risks and not enough volume to make up for those risks.  For later in-depth reading, click the below.

Bank Vault Door Closes on Manufactured Housing Lender

  • MarkWeissManufacturedHousingAssociationForRegulatoryReformMHARRPresidentCEOMHProNews

    Mark Weiss, President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR).

    Mark Weiss, JD, at MHARR is portrayed by WaPo’s journalist as working to relieve the burdens imposed by Danner at HUD.

  • MHI is shown as allowing those burdens to stand.
  • Read that in the context of Smoking Gun 3 under related reports at the end, and you may never see manufactured housing industry politics the same ever again.


What About that Removal Chassis?

As to a removable chassis?

If manufactured housing were allowed by HUD to have removable chassis, as MHARR decades ago tried to accomplish, manufactured homes – with a chassis removed – would be:


Credit, Photos from New Durham Estates south. These homes are ground set. But if a chassis was removed, then a home would be closer to the ground by about eight, ten or twelve inches, and would be more like those shown in this photo.

  • lower to the ground once installed.
  • They would look even more like a conventional house, once installed.
  • It would cost less to put a foundation enclosure around a manufactured home without a chassis that it normally does with one now.
  • Sans the chassis, it would remove the impression of the home being mobile, when most manufactuerd homes aren’t moved once installed.
  • It would be greener to recycle the chassis.
  • It might even save money.

MHARR fought for that removable chassis, decades ago.  Isn’t all of that stylish, green, and visionary? ## (News, analysis and commentary.)



Pamela Beck Danner, JD, credit, HUD.

1)   Post-Script: Our sources at and connected to HUD tell us that the Eilperin’s report was prompted by a desire of “allies” of Pam Danner to undermine Dr. Carson and his team’s leadership as Secretary at HUD.

2)   The WaPo report is written in a way that makes Danner’s work as administrator look consumer focused, but what’s missing is the fact that service-related issues with HUD Code manufactured homes are so few, that out of the roughly 92,900 homes built last year, only a few dozen nationally went to dispute resolution. There is no similar dispute resolution program for site-built housing to settle consumer concerns.  So those service issues highlighted in Eilperin’s narrative are a rarity, a point her narrative didn’t cover.  That’s not a tag on her work, no one story can cover every detail.

3)   There are HUD connected sources that tell MHProNews that WaPo’s article signals an upcoming  battle for HUD Code homes, at the state installation level.

4)   There are industry voices that say that the time to prepare for that installation – a post-production battle – is now.  Discussions about enhanced preemption are, per reports, being carefully reviewed at HUD.  There are concerned sources in MHVille that say the need for an effective post-production association has never been greater.

5)   The WaPo narrative makes it clear that MHI isn’t that effective at stopping HUD’s over-regulation. In the association national realm, it was MHARR’s handiwork – not MHI’s – that proved effective for retailers, communities, and for the consumers they serve.  Of course, MHProNews covered it all in a “follow the evidence, follow the facts, follow the money” way that no other industry media even attempted to do.  “We Provide, You Decide.” ©

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Related Reports:

It’s been hailed as the most important report on this topic to date…

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

Washington Post “Once obscure office at HUD [Manufactured Housing] is the subject of unusually intense lobbying effort”


L. A. ‘Tony’ Kovach addressing industry professionals in an educational session.

By L.A. “Tony” Kovach – for

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and

Office 863-213-4090 |Connect on LinkedIn:

Sign Up Today!EmailedMHProNewsHeadlineNewsDailyBusinessNews

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Coldwater, Tall Grass, P&Z Battles, Manufactured Home Community Plan OK’d – Manufactured Housing and the Don Westphal Back Story

May 10th, 2018 Comments off


The Coldwater Planning Commission voted unanimously to recommend the City Council approve rezoning 20.6 acres from the township R-3 to the city’s AA — Agriculture Residential – for a 102 lot manufactured home subdivision,” said the Daily Reporter.

Leading the charge was Don Westphal.

DonWestphalHeadDailyReporterFarrelRoehTallGrassManufacturedHomeCommunityColdwaterMIDailyBusinessNwesMHProNewsThe petitioners from Farrell-Roeh of Littleton, Colorado want to rezone the land from Coldwater Township R-3 Medium Density Residential Zoning to City of Coldwater Double-A One Family Agricultural Residential Zoning,” said WTVBAM.

Planner Dean Walrack said this was the only match between land zoning categories that the township had zoned and put on its master plan for the manufacture[d] homes,” wrote Don Reid for the Daily Reporter.

This planning and zoning skirmish was done, but it was just one of many for Westphal.

I received a Bachelor of Science degree in Landscape architecture from Michigan State University and a Master of Landscape Architecture degree from the University of Illinois,” Westphal told MHProNews.


I was accepted into Graduate School late in the spring of 1963 and was unable to find suitable married housing. We purchased a 36X8′ Brentwood mobile home in Muskegon Michigan, welded a hitch on a farm semi and towed it to the Glover Street Trailer Park in Urbana, Illinois. Our little home was perfect for students, but the 17 site trailer park was less than ideal. Rent then was $25.00 per month, and we ended up not having to pay the site fee, in exchange for keeping the washer and dryer in the laundry building clean and placing the mail in each mail slot daily,” Westphal said.

The well-known and award-winning Manufactured Housing Institute (MHI) member explained how he got into the industry.

While doing some research for a term paper on mobile homes, I found references to the Mobile Homes Manufacturers Association in Chicago and paid them a visit. I met Dick Beitler and Herb Behrend there and was hired as one of two consultants to their Land Development Division which was offering site planning services to developers as a way to improve the design of mobile home parks,” Westphal said.

The industry was trying to improve its image way back in the 60’s. I ended up writing my master’s thesis on Manufactured Housing and as they say, “the rest is history.” I continued as a consultant to MHMA designing communities for several years and taught sessions on planning at several MHMA Site Development Seminars in the late 60’s and early 70’s. Interestingly, Danny Ghorbani joined the staff at MHMA a year or two after I started consulting with MHMA,” Westphal stated to MHProNews. 


Danny Ghorbani, photo credit, the Journal.

Ghorbani is an engineer by training, who worked for the precursor to what today is called the Manufactured Housing Institute (MHI).

The award-winning Ghorbani later left MHI, and working with independent producers, founded the association that is known today as the Manufactured Housing Association for Regulatory Reform (MHARR).

He retired a few years ago, but is still an advisor to MHARR.  Ghorbani himself was involved in community planning.



Google street and satellite views can become dated, as is the case above. But this reflects how Tall Grass had vacancies before, which have since been occupied by new manufactured homes being brought into the land-lease community. Per the reports, most of those have been for rental housing purposes. The view above tells part of the tale that local media mentioned.

It’s all part of the backstory to the Tall Grass expansion approval, in Coldwater, MI.


Coldwater’s Tall Grass – Step Back, Regroup

A previous proposal to develop 9.6 acres was rejected by the planning commission at which point the developers increased the size to move forward. Donald C. Westphal, a partner and designer who lives in a similar development at Grass Lake, said the units “look like regular housing,” wrote Reid.

There are no single wide units but all will be at least 1,568 square foot homes and can be built with two car garages,” said Reid. “There are no basements but “are built solid, modern designs,” per his report in the local paper.



He [Westphal] explained the homes would be owned by purchasers and placed on leased lots which are a minimum 5,000 square feet. Larry Nelson, from Farrell- Roeh company of Colorado, said as a husband and wife team, they purchased the Tall Grass park for $2.852 million in May 2014 from bankruptcy court. They spent or will spend, by the end of the year, another $480,000 in upgrades and improvements,” per the Daily Reporter.


Michigan is one of the states where manufactured housing has been heating up in recent years. It is known for a number of more residential style land-lease communities, such as Tall Grass.

The Colorado-based company has 11 similar properties, many in the Midwest, with the Reid adding, “The developers bought two parcels totaling 20.6 acres for $203,324 and will invest another $2.3 million to develop the 102 lots.”

But as hundreds of industry professionals who’ve sat in such meetings know, there is routinely push-back from locals.

This Coldwater case was no exception.


MHC Rentals

Melvetta Swick told the commission she was upset because “riff raff” from Tall Grass had thrown trash from around dumpsters, which she claimed ended up in her yard. In response, Nelson promised to increase the size of the dumpsters and monitor that concern. He explained there is a strict policy of who can buy; monitored by a committee as well as background checks completed.

Nelson also said that even when homes are rented, “renters are qualified.”

When Farrell-Roeh took over Tall Grass there were only 177 occupied lots.  The satellite view reflects vacancies.  That occupancy increased to 226, in a year or 95 percent of physical capacity. He explained that the company has averaged 6.4 evictions for the last three years.

As MHProNews has previously reported, many firms are buying new manufactured homes for rental purposes. Farrell-Roeh has done so too at Tall Grass, reportedly purchasing 94 new manufactured homes.  Those are provided on a two year lease.

Counting the homes, there has been a total investment since Farrell-Roeh’s purchase of $6.8 million.

Westphal stated that for security reasons, there will be only one entrance to the entire development. The community will have planted screening from Garfield.

The site plan was approved, subject to the City Council approval of rezoning and adoption of certain local standards, including storm water retention requirements.

A previous proposal to develop 9.6 acres was rejected by the planning commission at which point the developers increased the size to move forward. Westphal, a partner and designer who lives in a similar development at Grass Lake, said the units “look like regular housing,” according to Reid.

There are no single wide units but all will be at least 1,568 square foot homes and can be built with two car garages. There are no basements but “are built solid, modern designs.”


More from the Don…

Westphal told MHProNews in an interview linked here that, “For years I have said that the Manufactured Housing Industry has succeeded in spite of itself. Fragmentation of the industry segments has resulted in a serious lack of consumer confidence. Many in the industry have neglected the needs of our customers who could ultimately be our best salespersons. Too many of us blame government or our regulators for the sorry state of the industry. I believe that if the industry spent more of its resources in conveying the value of our product to the public and taking care of our customers, we would have a base of support that would help us to overcome the regulatory and finance issues we face today. Think about it, potentially 20,000,000 sales people for our products and way of life.”

As the quotes above indicate, Westphal is well acquainted with planning and zoning, design and more.

Attractive Garage Additions for Manufactured Homes – Do It Right

There is plenty to unpack from each of these P&Z – planning and zoning – stories from across the country.  But a common thread is that there is resistance, at least initially, that must be overcome.

Local Star Chambers Wage War on Affordable Housing

There is also a reason to wonder why, if the homes planned for this project look residential, then what is the purpose behind MHI’s so-called “new class of homes” that they’ve been promoting for about 2 years?

Another point this case makes is that rentals are a big part of what’s driving occupancy in dozens and dozens of manufactured home communities nationally. What that implies is that there are more rentals than homes being sold at retail being shipped into properties.

Each of these are warning signs for forward thinkers, but they are also opportunities in disguise.

Until the root or foundational issues are addressed, the problem of NIMBY can be expected to continue.  Westphal’s comments, linked above on what’s necessary to advance the industry, suggest parallel issues to consider.  “We Provide, You Decide.”  ## (News, analysis and commentary.)

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Related Reports:

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

Manufactured Housing Association for Regulatory Reform Demands Clarification on “New Class” of HUD Code Manufactured Home



L. A. ‘Tony’ Kovach addressing industry professionals in an educational session.

By L.A. “Tony” Kovach – for

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and

Office 863-213-4090 |Connect on LinkedIn:

Sign Up Today!EmailedMHProNewsHeadlineNewsDailyBusinessNews

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Understanding the Manufactured Housing Industry – What’s MHARR? What does MHARR do?

March 19th, 2018 Comments off


What is MHARR?  What do they do?


And why are there two national trade associations in manufactured housing?

Often, a good place to begin is with what an organization says about itself.

The Manufactured Housing Association for Regulatory Reform (MHARR) is a Washington, D.C…-based national trade association representing the views and interests of independent producers of federally-regulated manufactured housing,” said part of a news release the Daily Business News.

MHARR provides the industry with research that is compiled and paid for by their members.  For example, MHARR provides a monthly shipment report, that is usually the first one out for the industry at large from D.C. metro sources.   The most recent such report, as published by MHProNews, is linked below.  The same new HUD Code shipment data as provided unedited by MHARR, is linked here.

New Manufactured Housing Production Results Report for January 2018

MHARR also engages in advocacy and lobbying activities.



Manufactured Housing – Why Is There More Than One Nation Trade Associations?

First, it is useful to understand that the manufactured housing industry is not unique in this respect. Conventional housing, RVs, automotive, and other industries also have 2 or more national trade associations.


The Manufactured Housing Institute (MHI) is the only national trade organization representing the factory-built housing industry,” according to their own website.  They say, “MHI’s advocacy efforts are focused on overcoming barriers to the growth of the manufactured housing market.”

Given that from MHI, then why are some producers of manufactured homes members of MHARR, and are not members of MHI?

The answer may be similar to what state associations – that were previously MHI members – have since quit their MHI membership. They don’t believe MHI is that effective at their self-stated mission.

State Associations, Companies Quit Membership in Manufactured Housing Institute, (MHI), One Explains in Writing, ‘Why?’


How MHARR and MHI Advocacy Differs

MHI has a political action committee (PAC), and does several things that at first blush seem similar to what other national associations do.  MHARR has no PAC.  MHI does meetings, often at posh getaway sites.  MHARR currently holds one in person meeting during the Tunica Manufactured Home Show, and another that in recent years has been conducted by conference call.

MHARR clearly says it represents the interests of independent producers of HUD Code manufactured homes. Common sense suggests that those manufactured housing companies are obviously MHARR members because they believe MHARR in some way better represents their interests.

All trade groups have members who are pleased with what they do, while others who may be less pleased.

MHI is the larger of the two trade groups with a far larger budget. At this time, MHARR has had far more institutional stability in their staff, with both of their top people having decades of industry experience.

Meanwhile, MHI’s educational affiliate is about to lose their last most seasoned team member. Last year, MHI saw another one of their veteran staff members leave the Arlington, VA based organization.  No explanation was given for that second MHI departure.


See the report on Lois Starkey’s departure, by clicking the image above.



Former MHI president, Chris Stinebert’s farewell letter can be read as an polite indictment of MHI’s work, click above to read it.

In spite of having a larger staff and a bigger budget, MHI seems to have a periodic problem with consistency.

For example, MHARR was the only ‘no’ vote on a multiple year problem with the Department of Energy (DOE) energy standards.

MHARR explained their position, while MHI took a very different view. See the facts, linked below.

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

After considerable effort, MHI ended up reversing their position on the DOE proposed rule, to come more into line with MHARR’s original view.  Again, the details are linked above.  It should be noted that third-party Small Business Administration and George Washington University commentary supported MHARR’s view.

Similarly on the matter of HUD regulations and the HUD Code program director, MHI initially embraced what MHARR from the outset resisted.  Namely, Pam Danner, JD as the administrator of HUD Manufactured Housing program office. After some 4 years, Danner was finally forced out. But MHI resisted that change for some time.

Exclusive – HUD’s Manufactured Housing Program Administrator Pam Danner, Update

Other examples could be given.

But the simple question ought to be this. How is it that the smaller of the two groups – MHARR – often gets their position correct from the outset, while MHI often lurches from one position to another?

Before anyone says that is only an opinion, while Nathan Smith said it differently, it should be viewed as the considered judgement of MHI’s own prior chairman.  See the video, below.

From early on in the Trump Administration, MHARR completely embraced their Regulatory roll-back agenda, as the video below reflects.

By contrast, MHI had to pivot on issues like Danner at HUD.

There’s more to consider, but the above should suffice to explain to those who ask the Daily Business News about MHARR what they are, what they do, and why they exist.  It will also explain why some HUD Code home producers are not MHI members, and opt instead of membership in MHARR. “We Provide, You Decide.” © ## (News, analysis, and commentary.)


Study Recommending New Manufactured Housing Association for Independent Retailers, Communities, Lenders, Others Released

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HUD Secretary Dr. Ben Carson, Manufactured Housing Independent Producers Meeting, MH Program Progress Promised

January 30th, 2018 Comments off


Washington, D.C., January 30, 2018 – On January 29, 2018, HUD Secretary Dr. Benjamin Carson met with a delegation of officials from the Manufactured Housing Association for Regulatory Reform (MHARR).


MHARR’s delegation provided the Secretary with a first-hand opportunity to hear the concerns of smaller industry businesses regarding the operation of the federal manufactured housing program and its failure to fully and properly implement the Manufactured Housing Improvement Act of 2000 (2000 reform law),” Mark Weiss, J.D., President and MHARR told MHProNews.

The agenda for the meeting focused on the most critical issues currently facing the industry and its consumers, both with respect to the full and proper implementation of the 2000 reform law and consumer financing, including the Federal Housing Administration’s (FHA) Title I manufactured housing program (see, copy of meeting agenda, attached),” MHARR’s release stated.

Participants in the meeting included:

  • James Shea, Jr., Chairman,
  • Mike Cappaert, Vice Chairman,
  • John Bostick, Immediate Past-Chairman,
  • Mark Weiss, President and CEO,
  • and Danny Ghorbani, Senior Advisor.

MHARR’s delegation briefed Secretary Carson on “HUD’s 18-year failure to fully and properly implement the 2000 reform law, which was enacted with overwhelming bi-partisan support in both houses of Congress.”

MHARR outlined, during the meeting, four main components of the 2000 reform law that HUD has not only failed to implement under prior administrations, “but has…affirmatively distorted, ignored and/or misapplied.  This has not only caused significant and unnecessary harm to the industry’s smaller businesses, but, more importantly, has deprived hundreds-of-thousands of moderate and lower-income families of the affordable, non-subsidized homeownership opportunities that only manufactured housing can provide.”

MHARR’s delegation thanked Secretary Carson for having initiated action to address critical regulatory matters within the federal manufactured housing program in accordance with Trump Administration Executive Orders 13771 and 13777.

See the recent and related Daily Business News report, which includes HUD’s release, and other details, linked below.

Pledged to Work to Reform HUD Code Manufactured Housing Program

The MHARR officials pledged to work with the Secretary and HUD to advance this crucial undertaking, and as the only industry organization with institutional memory dating back to the original federal manufactured housing law more than 40 years ago, promised to provide the Department – during the current 30-day regulatory review comment period – with relevant historical background and remedial suggestions/solutions to restore the unique and essential federal manufactured housing program to full compliance with both the terms and objectives of the 2000 reform law,” MHARR told the Daily Business News.

Shake Up at HUD Manufactured Housing Program May Stop Industry Overregulation, per MH State Association

As part of this dialogue, the MHARR officials also emphasized non-regulatory aspects of the 2000 reform law that should – and must – be properly implemented,” Weiss’ statement said.

These include, but are not limited to:

  • the appointment of a new non-career program administrator;
  • the reform of program contracting procedures and the selection of a new monitoring contractor;
  • full utilization of the MHCC in accordance with the 2000 reform law; and
  • full implementation and enforcement of the enhanced federal preemption mandated by the 2000 reform law.

Further, the MHARR delegation advised the Secretary that with the:

  • failure of the Federal Housing Finance Administration (FHFA) to fully implement the Duty to Serve Underserved Markets directive of the Housing and Economic Recovery Act of 2008 (HERA),
  • lower and moderate-income Americans would need, more than ever, the full utilization and incorporation of manufactured housing by HUD into all of its housing programs,
  • as well as the reform and/or repeal of the “10-10” rule implemented by Ginnie Mae in 2010, which has largely eliminated Ginne Mae-supported FHA Title I financing for the 80% of manufactured homes that are sold and financed as personal property (chattel, “home only” loans).

Sources with Berkshire Hathaway (BH) companies have told MHProNews that 21st Mortgage – which 21st and BH owned Vanderbilt Mortgage are the only two industry lenders that have met the 10/10 standard for years – suspended use of the FHA Title 1 program some time ago.

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

MarkWeissJDPresidentCEOManufacturedHousingAssocRegulatoryReformDailyBusinessNewsMHProNewsWeiss said, MHARR sincerely appreciates meeting with Secretary Carson in order to thank him for the regulatory reform initiatives that he has started to undertake, and to fully apprise him and other key officials at HUD of the specific concerns of smaller industry businesses. MHARR looks forward to continuing to work with Secretary Carson and his team at HUD in order to restore the manufactured housing program to its original mission and goal – to not only ensure the safety of manufactured homes, but also to ensure their availability as the nation’s premier source of affordable, non-subsidized housing and home-ownership for millions of Americans.”


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. ## (News, analysis, and commentary.)

Facts Matter – Mr. Obama’s “Alternative Universe,” Trump Admin, Investors & Politicized Manufactured Housing Data

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Truth Hiding in Plain Sight, Faux Outrage Vs Facts, ‘Building Together’

January 16th, 2018 Comments off


Facts can and be nettlesome things.


For decades, numerous people have postured being the friend of minorities, while falsely claiming their opponents where bigots, racists, or some other slur.

This video shows Donald Trump being praised for a lifetime of achievement in providing minorities with opportunities.

The man praising him in more than one clip in this short video montage is Democratic backer, the Rev. Jesse Jackson.




As the Daily Business News reported last week, Hershel Walker is but one of several black and Latino personalities and leaders who say that Donald Trump is a “great man.” Those who know him say he isn’t racist, anti-Semitic or anti-immigration.

That some would say otherwise is clearly disproven by these third-party witnesses. His own daughter Ivanka is Jewish. His wife Melania has a heavy accent, because she is an immigrant.

Previous historic videos of the builder/businessman Donald Trump show him saying Oprah Winfrey could be a good running mate. That ways years before Senator Barack Obama became president. On the clip from Oprah featuring Trump, from some 30 years ago, he lays out thinking very similar to what he has today.



Over the years, now President Trump changed on issues like abortion, and moved from being a Democrat to a Republican. But on race, for decades, there was the opposite of outrage, he was seen as inclusive to women, minorities, and others.

Then why the faked, ignorant or phony outrage?

Manufactured Housing and President Trump

Sources tell MHProNews that it was a Trump administration official at HUD that arranged for the move of Pam Danner, JD, “temporarily” out of her role at HUD.

Shake Up at HUD Manufactured Housing Program May Stop Industry Overregulation, per MH State Association


Those who have an agenda are clearly willing to use the tool of the big lie, repeated often enough, to divide and control enough people in order to ‘rule over’ them.

While there is a division on President Trump within the industry, as there is across America, his-policies have been widely hailed as good for the industry, and good for business. That’s been reflected in numerous ways.


The Truth About Manufactured Housing, the President, or Anything Else

The deception – propaganda, as it was called by Guy Benson – about the president is a reminder why industry professionals, and the public – are wise to embrace objective analysis and detached discernment.  “We Provide, You Decide.” © ## (News, historic, analysis, commentary.)

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Soheyla, Tamas L. A. "Tony" Kovach family

Soheyla Kovach, with her son Tamas (center, pronounced “Tah Mash) and husband L. A. “Tony” Kovach, will all be at the 2018 Louisville Show. For a third party profile of the family and business, click here.

Submitted by Soheyla Kovach to the Daily Business News for

White House Shake Up, President Trump’s Made in America Plan, and Manufactured Housing

July 22nd, 2017 Comments off

WhiteHousePresidentialSpotlightSteve Hilton, who worked with Prime Minister David Cameron in Britain as a counter-establishment figure, shares his perspective that “the Establishment” is effectively trying to force President Donald J. Trump out of office, years before the next election.

That commentary from today on Outnumbered, includes observations about Special Counsel Robert Mueller and other administration drama.

Among the news of the day was White House Press Secretary Sean Spicer resigning.

Jordan Sekulow, of the American Center for Law and Justice, spoke today on Fox Business’ After the Bell with Melissa Francis on whether special counsel Robert Mueller is going beyond what he should be doing over Trump-Russia probe.

The White House provided MHProNews with the following official transcript for the video shown below of President Donald J. Trump’s Weekly address.

After the end of the president’s video is a previously filmed video of Danny Ghorbani and Mark Weiss with the Manufactured Housing Association for Regulatory Reform (MHARR), explaining why the HUD Code industry must be laser focused on making maximum advances under this pro-housing, pro-business administration.


My fellow Americans,
On Monday, I signed a Presidential Proclamation declaring this to be “Made in America Week.”
We believe that our country is stronger, safer, and more prosperous when we make more of our goods and our products right here in the USA.  When we purchase products Made in America, the wealth, revenue and jobs all stay in our country – to be enjoyed by our people.
Since we first won our Independence, our Founders and many of our greatest leaders have promoted that we should afford a special level of protection to the products and goods manufactured within our borders.  They understood that as a nation, we have common bonds with our fellow citizens and common obligations to each other.  Making and buying made in America products brings us closer, and strengthens the ties that link us all together.
For too long, our government’s policies have punished production in America while rewarding and encouraging the movement of production overseas, which is totally ridiculous.  The result has been the loss of numerous industries, the decimation of entire communities, and years of sluggish growth and flat wages.
Throughout American history, our nation’s best leaders have believed in the importance of protecting our domestic industry.  This includes every President on Mount Rushmore.
George Washington encouraged Americans to produce their own goods so that our young nation could become truly independent.
Thomas Jefferson wrote that Americans should choose products made in America whenever possible – and by the way, I’m asking you to do that.
Abraham Lincoln warned that abandoning the policies that protect American industry would “produce want and ruin among our people.”
Theodore Roosevelt stated in his First message to Congress that “Reciprocity must be treated as the handmaiden of protection.”
James Monroe called on our nation to “cherish and sustain our manufacturers.”
James Garfield said of our nation’s manufacturers: “To them the country owes the splendor of the position it holds before the world.”  
William McKinley believed that when America protects our workers and industries, we “open up a higher and better destiny for our people.”
And Calvin Coolidge stated that protecting American industry “enables our people to live according to a better standard… and receive a better rate of compensation than any people, anytime, anywhere on earth, ever enjoyed.”
We are now, under the Trump Administration, reclaiming our heritage as a manufacturing nation.  We are fighting to provide a level playing field for American Workers and Industries.  Other countries will cease taking advantage of us, believe me.
We are going to build works of beauty and wonder – with American hands, American grit, and American iron, aluminum, and steel.
No longer will we allow other countries to break the rules, steal our jobs, and drain our wealth.  Instead, we will follow two simple but very crucial rules: We will buy American and we will hire American.
Already, we have created over a million new jobs this year – and doing even better than anticipated.  We are just getting started – believe me, we are just getting started.
For every job that comes back to this country, and every factory that reopens, and every town that is revitalized, we aren’t just restoring American wealth, we are restoring American pride.  We are restoring America’s future – a future where millions will be lifted from welfare to work, where children will grow up in safe and vibrant communities, and where our nation will stand stronger than ever before.
And most importantly, it will be a future in which you – our citizens – always come first. 
Thank you, God bless you, and God bless America – we are truly making it great again.

MHARR leaders on President Trump

The video above also features President Donald J. Trump, HUD Secretary Dr. Ben Carson – who is speaking on Private-Public Partnerships, and how MHARR believes the manufactured housing industry is poised to sell hundreds of thousands of homes a year, so long as the correct steps are taken in Washington D.C. 

Sources close to MHARR tell MHProNews that “job number one is to get a new administrator for the HUD Code manufactured home program.”   For an interesting photo of Pam Danner, J.D., please click here and scroll down the page.  ## (News, analysis, videos.)

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MHARR: Update on Key Manufactured Housing Administrator

April 4th, 2017 Comments off

Credits: HousingWire and HUD.

The Manufactured Housing Association for Regulatory Reform (MHARR) tells MHProNews that Henry Czauski, former administrator of the federal manufactured housing program at the U.S. Department of Housing and Urban Development (HUD), has retired from the organization, effective April 1st.

During my 37-year career at HUD, including 31 years in the Office of General Counsel as a Staff Attorney, Senior Attorney, Chief Counsel, Regional Counsel, Departmental Enforcement Center (DEC) Director, and six years as a Senior Advisor in the HUD Office of Housing, I had the good fortune to do interesting work … with some great people,” said Czauski.


Henry Cazuski. Credit: MHProNews.

During Czauski’s time at the HUD manufactured housing program, he was instrumental in staying focused on the rule of law, especially around the intent of the critical reforms mandated by Congress in the Manufactured Housing Improvement Act of 2000.

M.Mark.WeissJDPresidentCEOMHARRManufacturedHousingAssociationforRegulatorReform-creditManufacturedHousingIndustryDailyBusinessNewsMHProNewsHenry Czauski’s leadership of the HUD manufactured housing program represented an oasis of reasonableness, fairness and equilibrium within a program that has too often been characterized by turmoil and disregard for plainly applicable legal requirements,” said MHARR President and CEO Mark Weiss.

His consistent respect for the law and for program stakeholders and their representatives – even when sometimes disagreeing on matters of policy – was a welcome departure from the norm both before and since. He has been – and will be – sorely missed, and on behalf of MHARR, we wish him the best in all his future endeavors.


Danny Ghorbani, photo credit, the Journal.

Having represented the industry since the inception of the HUD manufactured housing program and having had the opportunity to work with program leaders over the course of five decades, Henry Czauski brought an integrity to the HUD manufactured housing program that was highly valued and should stand as an example to all who serve in that position. I wish him all the best for the future,” said MHARR Senior Advisor and former CEO Danny Ghorbani.

The full release from MHARR is linked here. ##


(Image credits are as shown above.)



RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Will Matt Drudge, Fox or CNN Spotlight Unfair Challenges Harming Millions of Manufactured Home Owners?

May 20th, 2015 2 comments



Correction on this photo, an earlier version did not have the proper image of Mike Baker, left.

The Seattle Times/Center for Public Integrity has allegedly targeted Clayton Homes and Berkshire-Hathaway affiliated finance companies in an attempt to derail much needed reforms to Dodd-Frank which harm millions of manufactured home (MH) owners and thousands of MH businesses.

Mike Baker and Daniel Wagner – writers of the Seattle Times articles, done in conjunction with the Center for Public Integrity – used shock tactics prior to the House of Representatives vote to attempt to derail the now-passed HR 650, which enjoyed bi-partisan support.

More recently, that writing duo turn on Warren Buffett’s firms again, in advance of a Thursday May 21st vote in the Senate Banking Committee that will include industry sought relief (S 682) from the Consumer Financial Protection Bureau regulations. Industry professionals say that The Preserving Access to Manufactured Housing Act, would mitigate the harm done to the value of millions of low-cost manufactured home owners by the unintended consequences of Dodd-Frank.

It might take a link by billion-plus monthly page views Drudge Report, or media mavens like Fox or CNN, to right the imbalanced coverage spawned by Baker’s and Wagner’s questionable journalism.

Writing in the Seattle Times, Baker says that the default rate on manufactured homes is higher than conventional housing, and uses pejorative terms about the loans such as “predatory” and “risky.” But should 97 home buyers be barred home ownership via financing others won’t offer, so that the 3 who fail in a year be spared their loss?

As a comparison, should millions be stopped from working because a small minority might quit or lose their jobs? Should subscribers to the Seattle Times digital or print publications be barred from buying their brand of news, because some every year will stop paying them? Should their publication be barred from selling ads because some advertisers will stop using them every year?

Yet that is kind of reasoning being used by Baker and Wagner. Their self-evident goal is an attempt to stir up enough shock value that blurs their use of faulty or circle reasoning, aimed at undermining support for much needed Dodd-Frank reforms.

Real Harm to Millions of Real Home Owners and Thousands of Businesses

The Seattle Times and the Center for Public Integrity (CPI) fail to balance their report by pointing out that the loss of lending that has taken place is harming the value of the lowest cost manufactured homes.

Some 20% of the homes that 20 million manufactured home owners live in would sell for under $20,000, the mark that 21st Mortgage Corporation set below which they could not safely make a loan and still hope to profit. With 8.8 million manufactured homes and pre-HUD Code mobile homes in the U.S., that 20% would represent about 1,760,000 manufactured/mobile homes (MH).

Since most MH owners live in their homes an average of about 10 years, millions may not yet realize they are harmed.

Comrades in Arms Against Reform?

Organizations like the Center for Enterprise Development (CFED) are ducking tough questions from MHProNews. Meanwhile, CFED’s Doug Ryan willingly comments to the Seattle Times or OZY Media, why? Are his comments made to other media a desperate effort to shock enough people with headlines and stories that don’t stand up well to close scrutiny? Aren’t CFED and Ishbel Dickens led National Manufactured Home Owners Association (NMHOA) harming the very home owners they claim to be advocating for? Is their ideological stance more important to them than the realities on the ground caused by the polices they advocate?

Dickens sent MHProNews an emailed reply, saying she was on vacation, and thus could not answer questions. Her “vacation” ends after the Senate vote. She can email that she is on vacation, but can’t email a simple reply on the impact of current CFPB regulations on the values of millions of manufactured homes? Or how publishers such as OZY Media are arguably harming the value of MH owners, by using improper and derogatory terminology?

CFPB Regulations harms all current Manufactured Home Lenders

By spotlighting Berkshire-Hathaway affiliated companies, Baker and Wagner are allegedly attempting to derail needed reforms of Dodd-Frank, that impact manufactured home owners and every lender in the manufactured housing space.

don_glisson_2Triad Financial Corporation is a competing company to 21st Mortgage. Triad’s President and CEO, Don Glisson Jr., has told MHProNews that his firm’s costs have skyrocketed since CFPB regulations have gone into effect.

Glisson said, “Triad has been the leading lender in the “A” credit market for over 50 years and I have personally been with the company for over 30 years. Regulations have always been a fact of life for us, but our compliance costs have quadrupled in the past 3 years alone.”

Another industry lender, formerly with US Bank, told MHProNews off-the-record that their bank’s manufactured housing loan program was profitable. But the high costs of regulatory compliance, coupled with low loan volume, caused U.S. Bank to end their manufactured housing lending program. That mirrors the official statement made by the bank when they pulled out of manufactured home lending in November, 2014.

A third manufactured home lender said off-the-record that they are glad 21st Mortgage and Vanderbilt Mortgage and Finance (VMF) make the loans they do. Why? Because in the wake of the 2008 financial collapse, loans on manufactured homes originated by 21st and VMF were crucial to the survival of thousands of MH Industry companies, which included hundreds of independent operations not owned by Berkshire-Hathaway.

Doesn’t the dismal failure to report in a balanced fashion – as Jan Hollingsworth did in writing on the impact of Dodd-Frank on manufactured home buyers and professionals – undermine the credibility of a journalist?

Senior management with every major industry lender MHProNews spoke in favor of reforms on Dodd-Frank, even if they don’t make the same kinds of loans 21st and VMF do.

Triad’s CEO elaborated on the challenges faced by their firm and other manufactured housing professionals. “Since we specialize in A credits, we have never had an issue with higher cost loans and the rules that surround higher priced loans have zero impact on us.”

However,” Glisson stated, “the rule that prohibits a manufactured home retailer from advising the customer on finance options is one that we would like to see changed. Currently a buyer of a site built home can receive advice from their realtor or builder on financing options, while manufactured home buyers have no similar ability to seek a seller’s help. This would be like going to a car dealer to buy a new SUV and when you ask for help securing a loan they hand you the phone book and say they can’t help you so just pick one out yourself.”

Glisson explained what impact this CFPB regulation has made on their operation. “This has doubled the amount of applications we are now processing to do the same amount of lending. In the past, before the CFPB regulations, a retailer could pre-qualify a buyer by accessing their credit reports and analyzing their income, just like every Realtor ® in America can do. With that information, they could at least determine what lender NOT to send the application to. We have had to add several full time equivalent team members to handle the crush of applications, as we are now bombarded with applicants who have no chance of qualifying with us.”

This is a pattern of “shot-gunning” applications by retailers to all MH lenders, to avoid the appearance of steering, that other lenders have confirmed for MHProNews.

Glisson went on to say that, “Beginning in 2014, when the rules went into effect, our origination cost per loan has skyrocketed. Pre-2014 we would approve about 50% of the applications we received as they were pre-screened. Currently we approve about 30% of the applications we receive, so our efficiency went down the tubes and we are working harder and spending more to make the same amount of loans.”

These are the kinds of real world problems caused by federal regulations that cause a lender such as U.S. Bank to pull out.


As Sam Landy, President and CEO of UMH Properties pointed out in a video interview linked here, it has caused them and others in the community business to stop lending to potential manufactured home owners. They now rent homes to those who before would be qualified by their finance arm to make renters into home owners. How does that regulatory caused impact help those thousands seeking ownership and equity instead of rent receipts to advance in life?

Doing the Math

Finance experts tell us that a community operator like UMH, using a related or ‘captive finance’ company, can afford to make loans at a lower interest rate than a traditional lender because they are only loaning on manufactured homes in their community. In the event of a default, their costs and thus their loses are lower. Additionally, a manufactured home community operator can benefit even if their loan program is only marginally profitable, because they are getting additional revenue from a sold home and filled homesite.

There is no similar benefit to the third party loans made by 21st, VMF, Triad Financial, CU Factory Built Lending or Mountainside Financial. The same holds true for regional or local lenders who must profit on the loan itself, or they won’t make the loan in the first place.

Does Buffett win more than Millions of home owners would from the proposed reforms to Dodd-Frank?

While the Seattle Times’ Baker and his tag team writer Wagner make it sound that Warren Buffett and Berkshire-Hathaway related companies are the big winner from financial reform, they clearly overlook the real world impact on an estimated 20% of those home owners who live in a home that is worth under $20,000.

If those homes averaged $15,000 each, 1.76 million MHs represent an aggregated value of $26,400,000,000. That sum dwarfs the benefits to Berkshire-Hathaway, or indeed, to the entire manufactured housing industry.

Since financing is the key to most big ticket sales, a loss of financing causes the same drop in value that was seen in conventional housing in the wake of the 2008 mortgage collapse.  Just as conventional housing lost value absent lending, the same holds true for manufactured homes.

As the now-retired president of the Manufactured Housing Association for Regulatory Reform (MHARR), Danny Ghorbani, has said, the factory built home industry was not the cause of the 2008 housing/mortgage bubble. So why were manufactured home owners, housing businesses and professionals penalized? Why is manufactured housing owners and buisnesses taking such a direct hit from the impact of CFPB regulations?


 As Eric Powell told Jan Hollingsworth about the impact of Dodd-Frank and the CFPB regulations on their manufactured home purchase, What were they thinking when they did that?”  Or as Sam Landy told MHLivingNews, the consequences to millions of manufactured home owners and thousands of business may well have been untended, but someone has got to fix this. ##

(Image credits 3 and 4, MHLivingNews; Don Glisson Jr photo and composite photo and graphic of Baker and Wagner made by MHProNews).

matthew-silver-daily-business-news-mhpronews-comArticle submitted by Matthew J. Silver to Daily Business News-MHProNews.

HUD and MHARR leaders meet to discuss pending industry issue

December 12th, 2014 Comments off

mharr-and-hud-leaders-meet-jan-10-2014-respective-logo-credits-posted-daily-business-news-mhpronews-com-The Manufactured Housing Association for Regulatory Reform (MHARR) provided MHProNews today with a snap-shot of their meeting with Department of Housing and Urban Affairs (HUD) officials.

Danny Ghorbani, M. Mark Weiss, two past and the current MHARR Chairman were present representing MHARR to talk to HUD Code Manufactured Housing (MH) Program Administrator Pam Danner, Deputy Administrator Theresa Payne and others from the MH program.

MHARR termed the meeting ‘productive.’

Topics discussed included:

1.   Use Of Manufactured Homes Other Than As “Single Family” Housing,

2.      Expanded In-Plant Regulation,  

3.      Subpart I Monthly Record Inspections,

4.      Enforcement Of Attached Garages,

5.      Recreational Vehicle Definition – Regulatory Reform,

6.      Manufactured Housing Energy Standards,

7.      Certification Label Fee Increase and utilization, and

8.      Southern Yellow Pine Design Values.

For more details, please see the MHARR memo found at this link. ##

(Image Collage credits – HUD and MHARR logos belong to each respective organization, and a sample HUD label used on manufactured homes.)