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“Accurate, but Misleading” MHI Preserving Access to Manufactured Housing Act Alert – ‘Weaponized New$,’ Fact Check$

December 7th, 2017 Comments off

ManufacturedHousingInstituteLogoMHILogoTradeAssocChargedWeaponizedNewsManufacturedHomeIndustryMHProNews“…the Senate Banking Committee passed legislation to clarify that a manufactured housing retailer or seller is not considered a “loan originator” simply because they provide a customer with some assistance in the mortgage loan process,” said a “Housing Alert” from Manufactured Housing Institute (MHI) to their members, and through them, to others in the HUD Code manufactured home industry.

This is a key tenet of S. 1751, the Preserving Access to Manufactured Housing Act, which excludes manufactured housing retailers and sellers from the definition of a loan originator so long as they are only receiving compensation for the sale of a home,” said the MHI alert.  That is a reference to the so-called MLO rule.

The language was passed as a part of S. 2155, the “Economic Growth, Regulatory Relief and Consumer Protection Act,” which is a package of reforms intended to improve the national financial regulatory framework and promote economic growth. S. 2155 was passed by the Senate Banking Committee by a bipartisan vote of 16 to 7,” per MHI.

For many hard-working Hoosiers and Americans, manufactured housing provides the most affordable option available when they look to buy a home. I’m pleased the bipartisan regulatory relief legislation that I helped craft and that passed the Senate Banking Committee includes a provision based on my Preserving Access to Manufactured Housing Act. This measure would help prevent federal regulations from getting in the way of financing that families need as they step into homeownership,” said U.S. Senator Joe Donnelly, per MHI’s statement.

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Critical Fact Check, Analysis

LookAtTheFactsFactCheckMHProNewsLogoDailyBusinessNewsMHProNewsAccepting all of the above at face value, what the MHI release completely fails to mention is that per sources within MHI – as well as from non-profits familiar with the matter – the MLO rule could have been changed by an agreement years ago.

Rephrasing,

  • without spending millions of dollars and years ‘fighting’ for their Preserving Access bill, which still isn’t and may never become law,
  • MHI could have had the final product that their now bragging about; and which is still not a done-deal.

While supporting the Preserving Access measure in principle, MHProNews and our parent company’s management believes that no deception or misleading statements are needed to pass that or any worthwhile bill, or to motivate the honest, hard-working members of the MH Industry to act.

The Daily Business News and MHLivingNews have historically held accountable the non-profit groups for their own errors – see the examples linked in the reports, below.

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CFED and CFPB – Confused, Conflicted “Friends” of Manufactured Home Owners and Prospective Buyers?

Sophie Quinton – Why Some Cities Are Buying “Trailer Parks,” [SIC] and “Mobile Home Parks” [SIC] – HuffPo

The truth matters. Manufactured housing has enough unjustified black-eyes, without having to give itself avoidable ones, at the hand of one of its own associations.

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One of a number of sources that have told MHProNews that MHI could have had the MLO rule rescinded by agreement years ago.

The Real Takeaway…?

MHILogoManufacturedHousingInstituteLogoMLORuleCouldHaveBeenAchievedByNegotiationDailyBusinessNewsMHProNEws

Part of the evidence is the Ishbel Dickens email, shown above this graphic as a screen capture.

Accurate, but Misleading

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L. A. Tony Kovach at the 2017 San Antonio MHI meeting, Dick Jennison and Lesli Gooch repeatedly made thinly veiled statements, aimed at MHProNews. But when these signs were first introduced, top MHI staff claimed it was aimed at ‘outside’ media, not ‘industry media.’ What caused this change toward a dues paying association member? What message does it send to others in the association? What message does it send to the industry at large? Is MHI trying to create a de facto industry trade media monopoly? Are they weaponizing news?

It can be understood as technically accurate, but misleading MHI Housing Alert. It’s arguably a half-truth that is deceptive, and manipulative of their own members,” alleged award-winning industry veteran L. A. “Tony” Kovach in a comment about the most recent controversial contentions regarding the Arlington, VA based trade association.

For a number of years, MHI’s current leadership have engaged in debatably deceptive messages sent to their own members. These messages have at times been like their most recent one. A half-truth, with the unstated facts MHI ought to be aware of not being mentioned in their allegedly weaponized ‘housing alerts’ at all,” Kovach said in comments about the most recent MHI housing alert.

Its tips from other [MHI] members, and/or information obtained directly from MHI staff, that has led to a periodic series of revelations that are arguably harmful to the industry, and is damaging to the reputation of MHI.  That in turn can be construed as harmful to the industry they claim to be acting for in Washington, D.C. They are solely responsible for the harm they are causing to the industry their members, and their own reputation when they engage in allegedly deceptive practices, that they have yet to formally address,” said Kovach, who is a managing member of Lifestyle Factory Homes, LLC – the parent company to MHProNews.

We’ve offered to publicly discuss or debate via video these concerns. We’ve given MHI numerous opportunities to respond in writing,” Kovach said. “They’ve routinely failed to take advantage of those opportunities. If they were correct in their methods, wouldn’t they want to defend their accuracy and reputation?”

Their Own VP Said It Preserving Access, Wasn’t Happening

MHI’s own vice-president said in writing in a prior on-the-record statement to MHProNews that the odds of passing Preserving Access where long ones under the Obama Administration.  See that Daily Business News report, linked below.

Manufactured Housing Institute VP Revealed Important Truths on MHI’s Lobbying, Agenda

 

Partially as a result over concerns that MHI is not properly representing their independent retail, community and other members, there are numerous voices and third-party efforts underway which aim to create a new association that will represent them.

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

As MHProNews first-reported to the industry, Maxine Waters and other congressional Democrats have recently characterized MHI as being a puppet for the benefit of Warren Buffett’s Berkshire Hathaway manufactured housing brands.

Maxine Waters Statement, Preserving Access Manufactured Housing Act 2017, Warren Buffett, Clayton Homes

In her official statement – found as a download, from the article linked above – to the House of Representatives, she named:

  • Warren Buffett,
  • Berkshire Hathaway,
  • Clayton Homes, and their sister production and retail operations,
  • Vanderbilt Mortgage, and
  • 21st Mortgage.

In a prior letter by Waters and some of her congressional colleagues to the Department of Justice (DoJ), and the Consumer Financial Protection Bureau (CFPB), she called Buffett’s manufactured housing interests as a ‘near monopoly.’

That ‘near monopoly’ and related letter by Waters and others is a download from the Daily Business News report linked below.

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U.S. Representatives Maxine Waters (D-CA), Keith Ellison (D-MN), Emanuel Cleaver (D-MO), Mike Capuano (D-MA) – all four signed onto a letter damaging to MHI, and the Berkshire Hathaway led brands, calling for federal investigations. Image credit, Twitter, Wikipedia.  http://www.mhpronews.com/blogs/daily-business-news/post-charlottesville-cfas-hunts-evidence-of-racism-steering-predatory-lending-against-buffetts-clayton-homes-vanderbilt-mortgage-and-21st-mortgage/

A Question of Time?

It may only be a question of time before members begin to cancel their MHI membership, realizing – as one MHI award winner told MHProNews – that the largest companies have learned how to get the small-to-mid-sized companies to pay for what the ‘big boys’ want.

ManufacturedHousingIndustryInsightsManufacturedHousingInstituteMHICartoonMastheadCommentarySatireMHProNewsLifeStyleFactoryHomesLLC-592x768

The ‘fear’ over retaliation, or cutting members out of certain alleged ‘benefits’ of working with MHI and the industry’s largest companies, are reportedly keeping a number of companies on board with MHI.

Warren Buffett himself has reportedly said that

  • failing to learn the lessons of history, and
  • that chains of habit,

are hard to break. See that detailed report, linked below.

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

While failing for over 5 years to accomplish their own primary goal, the industry is continuing to consolidate.


Sam Zell, Frank Rolfe, and Kenny Lipschutz are among the MHI members who have publicly critiqued MHI, either pointedly, or politely.

ELS’ Sam Zell – Compliance Costs Destroys Smaller Businesses = Consolidation

FrankRolfeMHFundRVHorizonsMobileHomeUniversityDailyBusinessNewsManufacturedHomeIndustryResearchReportsDataAnalysisMHProNews595

Frank Rolfe: Pressured into Silence? Manufactured Housing Industry, and Journalism

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Is the truth of an important element of what is holding hiding in plain sight?

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Critiques, properly understood, are a way of improving performance. Every business, every sports team which aims to win does evaluations, which are a critique. “We Provide, You Decide.”

What is hard to argue is that MHI has repeatedly failed to do what their affable, popular prior chairman, Nathan Smith, said that the association needed to be.  Pro-active, vs. reactive.

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

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SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News for MHProNews.com.

MHI Legislative Fly In Clouded By New Controversy

June 26th, 2017 Comments off
MHIlegislativeFlyInCloudedByControversialTimingTerminationsKeyStaffersDailyBusinessNewsManufacturedHousingIndustryProMHProNews

The Manufactured Housing Institute (MHI) has been plagued by missteps and allegedly avoidable controversies, which, along with their lack of performance in achieving their own stated goals, has created industry concerns, according to sources’ statements to MHProNews.com.

The Manufactured Housing Institute (MHI) has created its own controversy, on the eve of their much ballyhooed “Legislative Fly-In” to Washington, D.C.  Two of the industry trade association’s senior staffers were allegedly terminated, days prior to their event, as was first reported by the Daily Business News, at this link here.

The Arlington, VA based trade group has removed the names of Vice Presidents Lois Starkey, and Tom Heinemann from their staff roster, but would not answer questions as to the cause of the two departures.

While the Executive Committee presumably knows, queries to several MHI board members and state association executives revealed that many were in the dark about the staff changes.  “I don’t know. If so, I didn’t hear. If I hear something I will let you know,” read one email to MHProNews.

I have not heard. As long as she’s been there I can’t see her quitting without sending some communication out. Obviously she was rushed out regardless,” said another.

Sources suggested to MHProNews.com that Lesli Gooch – Senior VP, a Ph.D. and failed Republican candidate for Congress – demanded and got the two former MHI VPs’ terminations.

There was also friction reported between MHI President Richard A. Jennison and Starkey.

LoisStarkeyFormerlyVPManufacturedHousingInstituteRichardADickJennisonPresidentCEOMHIDailyBusinessNewsManufacturedHomeIndustryReportsResearchDataMHProNews

See the report by clicking the image above.

Starkey was involved in the more technical side of the federally regulated HUD code for manufactured housing. Sources say that while work-arounds are possible, not having that kind of experience on staff is troubling.

Starkey also is said to have had perhaps the most total tenure with MHI, outside of their educational affiliate.

Terminations – Signaling an MHI Pivot Regarding HUD? 

Sources are also saying that under growing pressure from grassroots elements of the industry, that MHI might be relenting on asking the Trump Administration for a new administrator over the HUD’s Manufactured Housing Program.

Commenting on Starkey, one source told MHProNews that “She [Lois] and Pamela Danner appeared to be tight. Pamela always went straight to her at any event and would generally see them leaving to go have dinner together.”

Several industry voices have been calling for a change at the leadership of the HUD Code manufactured home program.

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Pam Danner, JD, HUD Code Manufactured Housing Program Administrator, speaking as she often has at an MHI event.  Danner and MHI have appeared to be “cozy,” say sources, which has lead to questions as to why MHI can’t get Danner to relent on alleged regulatory overreaches. That grass roots pressure on MHI may be coming to a head, as time will soon reveal, in one way or another.  Photo credit, MHProNews.

Mark Weiss, president and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR), MHProNews editorially, and even voices from within MHI have called for a new program administrator to replace Pam Danner, J.D. as part of a necessary changes the industry is seeking at HUD.

MHARR has accused HUD of being out of compliance with federal law on several issues. MHARR’s leadership has also said that MHI goes along to get along with HUD, which hurts independent producers, perhaps to the indirect benefit of larger ones.  That Washington, D.C. based trade rival to MHI says that while they are representing producers, the harm being done applies to communities, retailers, suppliers and all those who want to see the industry grow more rapidly.

One rumor is that Starkey – who has some history with Danner – and Heinemann, who was formerly with HUD – were in part being swept away to make room for a shift on MHI policy regarding keeping or replacing Danner.

http://www.MHProNews.com/blogs/daily-business-news/financial-choice-act-with-mhi-bill-heading-to-floor-vote-outlook-analysis/

In reports found first on the Daily Business News, MHI’s centerpiece efforts for reforming Dodd-Frank have low odds of success, per third party research. Several wonder, what’s the point or strategy? 

The Fly In Agenda’s Featured Focus Itself is Doubtful

MHProNews has previously reported that third party research reveals that MHI’s plan for reforming Dodd-Frank is unlikely to pass. See the most recent report on that, linked here and here.

For the report on the termination, related controversies at MHI, click the link here.

For commentary on this incident, framed in the context of the need to reform the Manufactured Housing Institute (MHI), click here.

For MHARR’s position on their call to replace Danner, click this link here. ## (News, Analysis.)

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

SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News for MHProNews.com.

Sunday Morning Recap-Manufactured Housing Industry News March 13-March 20, 2016

March 20th, 2016 Comments off

mhpronews_sunday_morningWhat’s New in public focused Manufactured HomeLivingNews.com

Surprising Solution, Roadblocks to U.S. Affordable Housing Crisis

What’s New in Manufactured Housing Industry Professional News

Manufactured home communities sell in VA, FL and MN. MHI insists GSEs make individual chattel loans. Letter to editor compliments MH. Community fined for violating Fair Housing Act. MHI’s Jennison, CFPB’s Cordray agree on MH loan regs. MH picked to house homeless. Deer Valley stock spikes. Fiberboard nixed for MH skirting. Memphis Blues MHC to open in June. MN provides loans to rehab MH. Habitat for Humanity involves residents in rehabbing MH. City seeks to screen MHCs. Much, much more in notions, news and views from factory-built housing around the globe.

Saturday, March 19, 2016

MHI Raps FHFA’s Duty to Serve Rule for not Aiding Individual Homebuyers

Friday, March 18

Drew Industries Declares Quarterly Cash Dividend

MHC Owner Fined for Discriminatory Practices at his Community

MHCV Finishes Week just below 2,000; Dow Gains 120 Points

South Carolina City Amends MH-related Ordinance

New York State Emerson Poll reveals Shift of electorate about Trump, Cruz and Clinton in Primary Contests

Greenfab Opens New Factory

Thursday, March 17

Quality of Manufactured Homes Praised by Letter to the Editor

MHI’s Dick Jennison, CFPB’s Richard Cordray on Manufactured Home Loan Regulations

Deer Valley Skyrockets +72.50 Percent

Manufactured Homes Chosen to House Homeless

Commissioners Reject Cement Fiberboard for MH Skirting

Builder Confidence for Single-family Homes Remains at 58

Wednesday, March 16

Minnesota Housing Providing Loans to Rehab Manufactured Homes

Skyline Gains 9.32%, MHCV Moves up 1.97%

Institutional Investors Increase Stake in Cavco Industries

New Staff Appointments at Franklin Homes

Marcus & Millichap Arrange Sale of Florida MH Communities

Tuesday, March 15

Habitat Program will Involve Residents in Updating their Manufactured Home Community

Deer Valley Plummets -42.03 percent

Memphis Blues MHC near Completion by UMH Properties

MH Industry Updates to be Offered by OMHA Executive Director Tim Williams

Nobility Homes Reports Substantial Quarterly Increases in Revenue, Income

Monday, March 14

City Seeks New Ordinance for Screening Manufactured Home Communities

Manufactured Home Community in VA sold at Auction

Patrick Ind., Third Avenue Value Fund and Skyline Register Solid Gains

Ardmore Village in Minnesota Sells for $7.6M

Sunday Morning Recap-Manufactured Housing Industry News March 6 to March 13, 2016 ##

(Photo credit: MHProNews)

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

MHI’s Dick Jennison, CFPB’s Richard Cordray on Manufactured Home Loan Regulations

March 17th, 2016 Comments off

dodd_frank___bloombergbusinessweek___creditWhile governmental officials, industry leaders and financial executives agree that manufactured housing (MH) is a solution to the problem of affordable housing in the nation—Julian Castro, head of the U. S. Department of Housing and Urban Affairs (HUD) calls MH a “vital solution for folks of modest means”–regulations imposed by the CFPB have resulted in access to credit being denied those who would have qualified, prior to the establishment of CFPB.

Marty Lavin, an expert on MH lending, adds that reduces sales and resale values. “We’re taking away the free choice of people without good cause,” he said.

The snowball effect resulting from the implementation of Dodd-Frank leaves many would be buyers and sellers of less expensive MH unable to acquire financing, which in turn prevents those who want a more expensive MH unable to sell their older, but useable MH–except for cash–which reduces overall sales.

Says Dick Jennison, president and CEO of the Manufactured Housing Institute, “We need to remove the shackles that the Dodd-Frank Act and the CFPB rules have placed upon our industry.Barney Frank said the legislation that bears his name was never intended to have the deleterious effect on MH that it does.

Furthermore, as pressreleaserocket points out, the loss of new MH sales reduces industry employment in production, retail, moving, insurance, etc.

Noting that people who are shut out of buying a manufactured home because of lending restrictions often have to opt for rental living, Sen. Bob Corker (R-Tenn.), tells MHProNews, “They are ending up paying more for rental housing than they would end up paying by actually purchasing a lower-cost home.”

To which the CFPB’s Dir. Cordray might say, as he once did, “That doesn’t sound optimal from anybody’s standpoint… We should be thinking about whether the (lending) thresholds are exactly right.”

Lending restrictions on manufactured housing not only hurt the economy—they can endanger the health and safety of those of the most modest means by preventing them from purchasing a safe home to raise a family.

For a video of views from across the MH spectrum, click here. ##

(Image credit: bloombergbusinessweek)

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

 

Sunday Morning Recap-Manufactured Housing Industry News Jan. 24 -Jan. 31, 2016

January 31st, 2016 Comments off

mhpronews_sunday_morningWhat’s New in public focused Manufactured HomeLivingNews.com

Not “Beer Cans on Frames,” they’re Modern Manufactured Homes!

What’s New in Manufactured Housing Industry Professional News

Interview with Don Glisson, Jr. of Triad Financial Services. Another media attack on manufactured housing? Residents of Florida city opposes modular homes. HUD sets up more regulation. Cavco beats consensus estimate on earnings. Manufactured homes allowed in any single-family residential area. New single-family home sales best in nine years. Should MHI’s CEO Jennison resign? Drew draws from the water, again. MHARR cites HUD’s non-compliance with 2000 Act. Pacific Skies Estates upgrade questioned. City prevents senior MHC from converting to all-age. Opposition to homeless housing in Ireland grows. Many more stories, news and views about communities, companies, MH-related stocks, and legal issues for you to peruse.

Saturday, Jan. 30, 2016

Next Negative Media Freight Train is Coming towards Manufactured Housing

Friday, Jan. 29

Don Glisson Jr., Triad Financial Services Chairman, Manufactured Home Lending, 2016 Louisville Show Video Interview

Long Troubled Community Undergoing Restoration

Victoria BC Plans Modular Homes for the Homeless

MHCV Gains Solidly, MH Stocks Rise, Dow Continues its Volatility, Gaining almost 400 Points

Cavco Bests Analysts by $0.09 EPS

Cape Coral Contenders Continue Criticizing Modulars at City Council

Thursday, Jan. 28

The Dirks Tripled the Size of their Manufactured Home Community

Manufactured Homes can be Sited in any Single-family Residential Area

Dow Continues its Volatility, while MH Stocks Remain Relatively Quiet

MHARR concerned about HUD handling of MHCC, cites Continued Non-compliance with Improvement Act of 2000

2015’s New Home Sales Best in Nine Years

No Damage from Flood in IL Manufactured Home Community

Wednesday, Jan. 27

Chicago Residential Market under Construction

Wells Fargo has money in Manufactured Home Community Owner UMH

Drew Draws another Floater from the Boaters

Dow Continues its Volatility, most Tracked MH Stocks Fall

Commissioners Suggest optional Underpinnings for Manufactured Homes

City Prevents Senior MHCs from Converting to All Age Communities

Should the Manufactured Housing Institute’s CEO Richard ‘Dick’ Jennison resign?

Tuesday, Jan. 26

Indiana City Still Trying to Regulate Manufactured Homes

Dow Continues its Volatility, most Tracked MH Stocks Active

ELS Posts EPS up $0.09 over Last Year

Patrick Sets up Stock Buyback Program

New Homes Expanded in 2015

Opposition Mounts against Modulars for Dublin’s Homeless

Monday, Jan. 25

Cape Coral Carolers Chorus Criticism on Off-site Constructed Crib

Public Hearing Set for Pacific Skies Estates Upgrade

Deer Valley Plummets; Volatile Dow Falls 208 Points

Cavco to Release Quarterly Financials Jan. 27

Manufactured Spec Home to be Sited in Development

Block Grant Funds available for Manufactured Home Repair

Sunday Morning Recap-Manufactured Housing Industry News Jan. 17 -Jan. 24, 2016 ##

(Photo credit: MHProNews)

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

Manufactured Housing to be Featured on PBS

December 30th, 2015 Comments off

mhi_logoA memorandum from Dick Jennison, Manufactured Housing Institute President and CEO, informs MHProNews that PBS NewsHour has set Sat., Jan. 2 to air its story on the manufactured housing industry. The story has already been delayed, and it may be delayed again depending upon news priorities.

MHI expects the segment will be 8-10 minutes long, and likely will include social activists and perhaps others who are not so keen on manufactured housing, or do not share the importance of pending legislation that can reform MH lending.

Although Jennison says a balanced report is anticipated, he adds, “We know that the reporter has interviewed and will likely feature individuals and families who are living in manufactured housing and are struggling financially or otherwise. We believe the reporter visited communities in Northern Virginia and West Virginia, but we have no way of knowing whether residents from those states or others will be included in the final report.

Chairman of MHI’s Financial Services Division, Dick Ernst was the industry’s spokesperson interviewed on camera at the Washington, D. C. PBS studio. He was asked primarily about MH financing and legislation, although the reporter later followed up with questions abut manufactured home communities.

If the air time changes MHI assured us they will send word. ##

(Image credit: Manufactured Housing Institute)

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

Manufactured Home Performs well Under Wind Test

July 22nd, 2014 Comments off

Following a story MHProNews posted July 17, 2014 regarding a manufactured housing wind test sponsored by the insurance industry, Dick Jennison, MHI president and CEO says the results will be on the Today Show tomorrow morning, July 23, between 7 and 7:30 AM eastern time. Conducted in several phases by the Insurance Institute for Business and Home Safety (IBHS), a previous test conducted on a HUD-Code Zone III led the IBHS to this conclusion: “When one of these high wind-rated HUD-Code homes is installed on a permanent foundation, in most of the country, it would end up resisting wind storms better than surrounding site-built homes.”

Today’s test was conducted on a HUD-Code Zone 1 home with the only notable footage being the non-fortified carport blowing off and damaging the roof. With the fortified carport attached, the house and carport withstood winds exceeding 90 miles per hour. After the house endured sustained winds for over ten minutes, the roof finally blew off at 100 mph. In the IBHS test of a site-built home it was demolished at 96 mph. While one of the objectives of the test was to highlight the strength especially of the HUD-Code Zone III homes, the test director noted how impressed she was with the Zone 1 home. Jennison says most industry people at the test were also pleased with how well the homes performed. This supports the facts shown in this video. ##

UPDATE 7.23.14 – The video of the test above shown on NBC TV can be found at this link:

http://MHProNews.com/blogs/tonykovach/manufactured-home-outperforms-conventional-site-built-house-in-hurricane-wind-test/

(Image credit: Insurance Institute for Business and Home Safety)

Insurance Industry Sponsoring a Manufactured Home Wind Test

July 17th, 2014 Comments off

Manufactured Housing Institute (MHI) President and CEO Dick Jennison reports the Insurance Institute for Business & Home Safety (IBHS), a not-for-profit safety education and risk mitigation organization, supported by the property insurance industry, will conduct wind tests on the attached structures of two HUD-code homes at their testing facility in South Carolina. He emphasizes this is not a test administered or controlled in any way by MHI, but IBHS has consented to allow MHI staff members Jenny Hodge and Rick Robinson to attend, as well as an MHI-member engineer to inspect the anchoring of the two manufactured homes (MH) to be tested. To be conducted Tue., July 22, the test is centered on structures attached to the MH, such as awnings and carports, and is being sponsored by American Modern. MHProNews reports Jennison cautions industry members be prepared for possible questions from the media after the broadcast, set for NBC News on Wed., July 23. NBC also owns the Weather Channel and it is likely the test results will air on both channels. To see a video of the difference between a traditional site-built home and one “fortified” by IBHS in the face of strong winds, click here.

To see a previous wind test of a manufactured home that also survived a tornado, click here. ##

(Image credit: Manufactured Housing Institute)

Tim Williams, 21st Mortgage, elected Vice-Chair during Manufactured Housing Institute (MHI) Summer Meeting

June 11th, 2014 Comments off

tim-williams-CEO-President-21st-mortgage-corporation-daily-business-news-manufactured-housing-mhpronews-The 2014 Summer Meeting for the  Manufactured Housing Institute (MHI) concluded yesterday with Tim Williams, CEO of 21st Mortgage, was elected as Vice-Chair of the industry’s largest national trade association.  Williams, a respected industry icon, was unopposed.

97 industry leaders, plus MHI staff, friends and family attended the June 8-10 event at the Alexander Hotel in Indianapolis, IN.  “On the heels of Congress and Expo, and with a number of state association meetings (taking place), we are very pleased with the number of attendees.” said MHI President, Dick Jennison, to MHProNews.

Pam Danner, HUD’s new manufactured housing program director and Bill Matchneer, who recently retired from the Consumer Financial Protection Bureau (CFPB), we’re among the featured guests.  Danner assured attendees that she would listen to the industry, resolve back logged issues and seek to elevate understanding and use of programs manufactured housing at HUD.

Bill Matchneer, who is consulting for MHI on appraisal related issues,  urged members to get the story of MH home  owners who lost financing due to CFPB regs to have their stories told to regulators. See Matchneer’s related guest column here.

Educational, business meetings and networking mixers were all part of the agenda. ##

(Photo Credit: MHProNews)

MHARR, MHI and GSE Reform, Background to Danny Ghorbani’s release and George Allen’s Planned “Story”

March 18th, 2014 4 comments

mhpronews-mharr-mhi-associations-graphic-manufactured-home-marketing-sales-managementOn Sunday, March 16 at 4:47 PM ET, a news release was received from the Manufactured Housing Institute (MHI) on the topic of the highly-charged issue of a Government Sponsored Enterprise (GSE, “Fannie and Freddie”) reform plan.

Some 3 Hours and 43 minutes later, at 8:30 PM on the same day, the first message came in from the Manufactured Housing Association for Regulatory Reform (MHARR) on the same topic. MHI’s full release on the topic of GSE reform is linked here, while the link to MHARR’s full release on the topic is found here.

In his message, MHARR’s President, Danny Ghorbani, claimed their “…calculated risk by MHARR that has now…” quoting their headline …achieves major victory.

While most industry professionals who follow these events would agree that this is certainly promising for consumers and the industry, the GSE reform legislation has a long way to go before it is becomes law. This is a one step along a longer path, as Ghorbani’s own statement from MHARR later acknowledges.

That fact begs the question, what makes this a bigger success than HR 1779 or S 1828, both of which are well underway?

It also raises the question, what was the “calculated risk” that Ghorbani’s message refers to in his release? Where is the “risk” in MHARR sending a position paper to the Senate Banking Committee?

Could it be that the “risk” Ghorbani refers to is that MHARR has not publicly supporting HR 1779 and S 1828? Isn’t it risky for their member-manufacturers and customers to not cover all possible legislative and lobbying bases, as MHI’s team has been doing on the finance and other issues?

MHARR claims MHI had a Single Focus

MHARR CEO Ghorbani’s message included this paragraph,

At a time when much of the industry was pursuing a singular focus on unsuccessful legislative modifications to the loan originator compensation and high-cost loan provisions of the Dodd-Frank finance reform law — and was unwilling to join MHARR in an  initiative on the much farther-reaching issue of GSE reform — the MHARR Board of Directors chose to advance the inclusion of all types of manufactured home loans and definitive action to end the discrimination that has dogged the industry’s consumer financing for decades, as part of the GSE reform process in Congress.”

As the numerous items that follow below demonstrate, the first part of this statement cited above is demonstrably in error. Namely:

At a time when much of the industry was pursuing a singular focus on unsuccessful legislative modifications to the loan originator compensation and high-cost loan provisions of the Dodd-Frank finance reform law –…”

Furthermore, as this Congressional legislative session is not yet over, none of these efforts – GSE Reform or Dodd-Frank reform – can be called a failure or a success.

So why is there a need for MHARR’s CEO to paint MHI’s efforts as a ‘failure,’ when the GSE effort is not as far along as HR 1779 or S. 1828?

Some MHARR officials and allied industry commentator in the dark?

Messages and calls from MHARR members, those aligned with MHARR and others outside of that camp to MHProNews seem to be unaware – or in some cases, won’t acknowledge – the fact that MHI has demonstrably been engaged on this topic of GSE reform for years, along with a variety of other issues in Washington. DC. Some examples will be shown in a down-loadable attachment, later below.

Agenda of Making MHI look bad, as a way of Making Ghorbani and Allen look more important?

broadside-darius-danny-ghorbani-president-mharr-george-allen-allen-letter-community-i ... actured-housing-institute-manufactured-housing-association-for-regulatory-reformOn Monday, after allegedly communicating with Danny Ghorbani, President and CEO at MHARR, George Allen sent an email to Rick Robinson, Vice President and General Counsel at MHI.

Robinson forwarded that email to Senior Vice President Jason Boehlert for response.

Allegedly, this email exchange has been shared with Ghorbani, Jim Visser, Ken Rishel and others linked to MHI and MHARR; and seems to accuse MHI of grabbing credit for work done by MHARR.

While sensational, the problem with this accusation by Allen against MHI, is that it flies in the face of the facts. But doesn’t this fit Allen’s self-description on his own blog of his activities? The word Allen used about himself, “agitate” includes the following definition from Google: “1) make (someone) troubled or nervous.”

The Google definition of agitator, is also insightful:

1. a person who urges others to protest or rebel.

synonyms: troublemaker, rabble-rouser, agent provocateur, demagogue, incendiary;

The Facts Say Differently

While some in the mix seem to take the position, ‘Don’t confuse me with facts, my mind is made up,’ a simple Google search demonstrates to the truth seeker that MHI has issued numerous updates on their activities in the GSE Reform arena.

A search of the articles published in the MHI News module demonstrates the same, and for those who attended the 2014 MHI Winter Meeting and Legislative Session, a briefing was given to attendee/members that coveted all of MHI’s lobbying and legislative initiatives, including GSE reform.

Clearly, MHI’s engagement on the GSE issue is a matter of public record and is no secret.

As MHProNews has documented in a series of articles, linked at the end of this report, George Allen has in his own words:

  • describes himself as one who agitates,

  • has gone from opposing Danny Ghorbani and calling him a flawed writer and leader, to now lauding him as a leader others should follow. The difference between recent and prior statements by Allen on Ghorbani?   Is it the MHARR paid ad and factories who Allen himself says are now paying Allen?

  • Allen has blasted MHI off and on for some two years for not buying him out when Allen wanted to retire.

Don’t such flip flops, contradictions, slanted ‘coverage’ and motivations beg a reasonable person to question the motivations and accuracy of Allen’s commentaries?

The Emails Between Allen and MHI – “We Provide, You Decide” ©

The exchange below is in a first-to-last message time sequence. They are word-for-word as the respective parties sent them, save the removal of the ‘signature (contact/disclaimers/resource)’ info at the end of each email and what amounts to ads from each of the respective emails. The typos in George Allen’s emails are in the original. The first message, as shown below, is to Rick Robinson at MHI.

Start of George Allen to Jason Boehlert at MHI Email Exchange

From: <gfa7156@aol.com<mailto:gfa7156@aol.com>>

Date: March 16, 2014 at 5:43:35 PM EDT

To: <info@mfghome.org<mailto:info@mfghome.org>>

Cc: <rrobinson@mfghome.org<mailto:rrobinson@mfghome.org>>

Subject: Re: MHI Housing Alert –  Senate Banking Committee Leaders Unveil GSE

Reform Plan – MHI Successfully Stakes out Ground for Manufactured Housing and

Personal Property Loans

Rick

When did MHI switch its’ primary legislative focus from Dodd-Frank regulatory
reform to GSE Reform? Didn’t seem to be that much of a priority during the
annual Legislative Conference last month in Arlington, VA. Here quoting directly
from this afternoon’s HOUSING ALERT from MHI:


“MHI Successfully Stakes Out Ground for Manufactured Housing and Personal
Property Loans” and “As advocated for by MHI, the legislative draft released by
the Committee includes language that would provide manufaturd home loans secured
by personal property with key access to a newly envisioned secondary market
mechanism.”

As exciting and hopeful as this news is, I’m wondering whether we’re indeed
reading/learning of a pure MHI effort to this much desired result, OR is there
more to this now quickly unfolding story, i.e. Is there someone else more
intimatly involved ‘in the mix’ who is NOT getting credit, in this email alert,
for drafting the language and lobbying for this legislative draft?

Frankly, I sense a story here….

GFA

George Allen


—–Original Message—–

From: Jason Boehlert <jBoehlert@mfghome.org>

To: GFA7156 <GFA7156@aol.com>

Cc: Richard Jennison <rjennison@mfghome.org>; Rick Robinson <rrobinson@mfghome.org>

Sent: Mon, Mar 17, 2014 11:32 am

Subject: RE: MHI Housing Alert – Senate Banking Committee Leaders Unveil GSE

Reform Plan – MHI Successfully Stakes out Ground for Manufactured Housing and

Personal Property Loans

George,

Thank you very much for your email.  However, I am unclear what you mean by “Is
there someone else more intimatly(sic) involved ‘in the mix’ who is NOT getting
credit, in this email alert, for drafting the language and lobbying for this
legislative draft?” We do not comment on the activities or actions of other
national organizations—that is not our role. Nor do we believe it serves the
interests of the industry or our members to do so.


Since MHI represents every facet of the industry—including builders, community
owners, lenders, supplier, retailers—our policy priorities are reflective of the
totality of our membership.  Dodd-Frank is a priority.  As are housing
finance/GSE reform, energy efficiency, tax, HUD Code and environmental issues
and we would never focus on one issue so persistently that it would be to the
detriment of the others. I know you did not attend, but GSE reform was
reaffirmed as an association policy priority during our legislative conference
and winter meeting and was discussed at length during the meeting of our
newly-formed government relations committee. The new government relations
committee has multiple representatives from each MHI division.


Expanding secondary market access for manufactured home loans, including those
secured by personal property has been a long-standing priority of MHI—dating
back to at least the duty-to-serve requirements that were included in the
Housing and Economic Recovery Act (HERA) in 2008.  We have, and continue to,
work with FHA, FHFA, Fannie Mae, Freddie Mac, Ginnie Mae, HUD, and the House
Financial Services and Senate Banking Committees to improve the availability of
financing options in the manufactured housing market, both from a residential
and commercial standpoint.

MHI represents every significant manufactured home lender in the industry and we
work hard to see that the totality of their interests—which are not limited to
Dodd-Frank/CFPB rule makings—are served.  Our efforts on GSE reform extend well
beyond the Senate Banking Committee’s recent legislative draft. If you are
suggesting that we have not been an active player in this regard, you are
mistaken. GSE reform has been an issue that has received very close attention
from our internal and external lobbying teams on an ongoing basis for several
years.

A sampling of our most recent activities include (but certainly not limited to):

· working with drafters of the underlying Corker-Warner bill (S.
1217)—which serves as the blueprint for the Senate Banking Committee bill—to
garner their approval for modifications of their measure that would expand
access for personal property loans

· communicating—both our internal and external lobbying teams—on an
ongoing basis with Democratic and Republican senior staff to the Senate Banking
Committee to include specific manufactured home/personal property language

·         providing key industry lending data to Senate staff to underscore the
need for specific statutory language

· facilitating an industry lender roundtable for Senate Banking
Committee staff—this panel of lenders, which represented the vast majority of
personal property manufactured home lending—provided the key information and
feedback needed by  committee staff to include manufactured home lending
provisions (which took place at our recent legislative conference)

· working to develop a consensus coalition position with consumer group
that are also seeking to expand personal property lending options for
manufactured housing

·  outreach to the Federal Housing Finance Agency (FHFA)—the
administration’s voice on GSE reform—to support legislative provisions expanding
manufactured home lending opportunities

· engaging an external lobbying firm whose principals include the most
recent Democratic Staff Director to the Senate Banking Committee (working
directly for Chairman Tim Johnson) and provided significant access to committee
staff drafting the legislation

As I hope you are aware, MHI’s involvement has not only been limited to the

Senate Bill. Our work also includes:

· facilitating the first-of-its-kind lending conference, sponsored by
then Rep. Joe Donnelly, in Elkhart, Indiana (which I believe you attended)

· improving the FHA Title I &II programs and opening Ginnie Mae to new
issuers (a work in progress)

· coordinating more than 1,000 comments in opposition to FHFA’s
duty-to-serve rule, which would ignore secondary market access for personal
property loans

· working to provide equal access for all mortgages in the House version
of GSE reform –the Path Act (which also includes specific MH relief from the
Dodd-Frank Act)

· testifying before Congress on three separate occasions over the past
three years on the need for secondary market access for manufactured home loans
secured by personal property—this does not include testimony provided prior to
2010 on the need to improve the FHA Title I & II programs for manufactured
housing

· more than 300 meetings conducted over the past three years with
Members of Congress specifically on the lack of credit access provided by the
GSEs for manufactured housing

· working directly with Fannie Mae and Freddie Mac to develop new
lending options for manufactured housing

I can only speak to the involvement of MHI, which has been continuous and
ongoing and substantial. Looking at the history, I think it is fair to say MHI
and its members have been leaders in working to expand manufactured housing
financing options for quite some time.

Best,
Jason


Jason Boehlert
Manufactured Housing Institute (MHI)
Senior Vice President of Government Affairs

________________________________________

From: gfa7156@aol.com [gfa7156@aol.com]

Sent: Monday, March 17, 2014 1:20 PM

To: Jason Boehlert

Cc: news@journalmfdhousing.com; ken@rishel.net; Rick Robinson

Subject: Re: MHI Housing Alert –  Senate Banking Committee Leaders Unveil GSE

Reform Plan – MHI Successfully Stakes out Ground for Manufactured Housing and

Personal Property Loans

Jason

You, in behalf of MHI did NOT answer the lead question in my email
correspondence dated 3/16/2014, to wit; “When  did MHI switch its’ primary
legislative focus from Dodd-Frank regulatory reform to GSE Reform?” You can
blather all you want about ‘A sampling of our most recent activities include
(but certainly not  limited to)’ to  cloud the issue – which I’m getting to –
but the fact remains, throughout the Fall of 2014 MHI had tunnel vision relative
to effecting Dodd-Frank regulatory reform.


The tenor of your sentence,”We do not comment on the activities or actions of
other national organizations – that is not our role. Nor do we believe it serves
the interests of the industry or our members to do so.” tells me you well
understand what I was referring to in the above-referenced email  message, i.e.
Quoting MHARR’s Press Release dated 3/16/2014:  “…MHARR today lauded the
inclusion of specific  MHARR-proposed language in the bi-partisan GSE housing
finance reform bill (S.1217)…(containing) “langaguage submitted to the Senate
Banking Committee in Septermber and October 2013….” There lies the crux of
this whole issue of giving credit where credit is due!


Being as new as you are to MHI’s staff, you can be forgiven for not knowing how
often in the past, MHARR and MHI have ‘worked together’ to effect federal
legislation, e.g. Manufactured Housing Impovement Act of 2000 is but one
example. And how both national advocacy bodies have, in the past, ‘commented
(appropriately &/or positively) on the activities or actions of other national
organization’ YES, that should be one of the rolls taken on by MHI even if it’s
not as commonplace today as it has been at times in the past.


Furthermore; speaking as a 35 year entrepreneur businessman in the manufactured
housing industry and land-lease-lifestyle community asset class, and 20+ year
direct, dues-paying member of MHI, I disagree with you! Interadvocacy body
cooperation/praise (as should have been in this instance!) does serve the
greater interests of the industry, and certainly its’ members!


I think it entirely appropriate, that sometime this week, MHI take steps to
right the  misunderstanding couched in the subtitle & text:HOUSING ALERT, i.e.
“…MHI Successfully Stakes out Ground for Manufactured Housing and Personal
Property Loans”, before someone else does it for you….


Need someone to do this  public relations magic for you? I can recommend
someone, if asked.

GFA
George Allen

—–Original Message—–

From: Jason Boehlert <jBoehlert@mfghome.org>

To: gfa7156 <gfa7156@aol.com>

Cc: news <news@journalmfdhousing.com>; ken <ken@rishel.net>; Rick Robinson <rrobinson@mfghome.org>; Richard Jennison <rjennison@mfghome.org>

Sent: Mon, Mar 17, 2014 3:05 pm

Subject: RE: MHI Housing Alert – Senate Banking Committee Leaders Unveil GSE Reform Plan – MHI Successfully Stakes out Ground for Manufactured Housing and Personal Property Loans

George,

I am sorry to hear you found my response to your original inquiry,
unsatisfactory. I believe I answered in an honest and thorough fashion. But, to
try and further clear things up:

1) MHI is a multifaceted trade association.  This requires us to multitask and
pursue multiple policy priorities at the same time. Our focus is not solely
limited to Dodd-Frank. It also includes GSE reform, HUD-MHCC issues, tax, energy
and environmental policies.  This does not require us to shift our focus, but to
add to it–and GSE reform has been a focus of MHI now for several years.

2) I do not work for MHARR. Therefore, I have no real knowledge of their
lobbying activities. As such, it would be wholly inappropriate for me to comment
on MHARR’s activities. Just as it would be wholly inappropriate for MHARR to
comment, with any real knowledge on MHI’s policy activities.

3) Had you been able to attend MHI’s legislative conference, you have
undoubtedly learned that MHI’s GSE reform activities have been substantial and
ongoing.  MHI’s GSE efforts have been significant and have unequivocally led to
this positive outcome.  I am sorry you are unable to see yesterday’s news as a
positive development for the entire industry.


However, if you feel additional clarification is needed please feel free to
contact MHI’s CEO Dick Jennison at 703.558.0678.

Jason

———-

From: <gfa7156@aol.com>

Date: March 17, 2014 at 3:47:48 PM EDT

To: <jBoehlert@mfghome.org>

Cc: <news@journalmfdhousing.com>, <ken@rishel.net>, <rrobinson@mfghome.org>

Subject: Re: MHI Housing Alert –  Senate Banking Committee Leaders Unveil GSE Reform Plan – MHI Successfully Stakes out Ground for Manufactured Housing and Personal Property Loans

Jason

You can dance around the issue all you want, but truth be told, GSE reform was not a primary focus for MHI during the last half of 2014. I am an MHI member read what little is sent my way these days.

Amazing. You & MHI claim no prior knowledge of the source of the language used in this bi-partisan GSE housing finance reform bill (S.1217), yet are bold to state: “MHI will continue in its’ role as the leading advocate for the manufactured housing industry to ensure that manufactured home finance opportunities are expended to the greatest extent possible in forthcoming housing finance reform measures.” By the way, in this sentence, did you intend for the word choice to be ‘expended’, rather than ‘expanded’ or some other appropriate non-dissipating word?

Of course I see yesterday’s developments to be of value to the entire HUD-Code manufactured housing industry. And I see MHI’s HOUSING ALERT, in the manner in which it was written, to be unequivocal grandstanding, when it’d have been highly appropriate, and much appreciated by ‘the entire HUD-Code manufactured housing industry’, if credit had been given where credit was truly do!

Thank You for fleshing out my story for this week, if nothing more newsworthy doesn’t come along.

GFA.

George Allen

—- end of emailed messages on this thread —-

An impartial reading of George Allen’s messages suggests is a either a lack of objective research into the ongoing efforts and engagement by MHI on the subject of GSE reform, or perhaps an effort to “agitate” (Allen’s word about himself) against MHI, and/or some other motivations.  Allen clearly implies his intent to write about this topic, which is certainly his right, but after reading this exchange, does an objective person believe that Allen will right about it in a fair and balanced fashion?  Or will Allen use this once more to “agitate” against MHI?

As noted previously,

  • a simple Google search revealed numerous links dating back several years regarding MHI engagement on the topic of GSE reform. Please see below.

  • A search on the MHProNews website proves the same point of MHI engagement on GSE reform that Jason’s replies state.  So does a review of MHI’s typically weekly reports, that go out to members like Allen, and as did the update briefings during their 2014 Winter Meeting and Legislative session that all referenced efforts by that national trade association on GSE reform.

Why Does Allen seek to Manufacture a new Controversy?

It should be noted that MHARR has indeed made GSE reform an issue they have pursued.

But what is lacking from MHARR’s President and CEO, Danny Ghorbani is the same credit to MHI’s efforts, that Allen allegedly seeks on Ghorbani’s behalf from MHI as a tip of the hat to MHARR.

Thus Allen and Ghorbani seem to want from MHI what they are unwilling to give themselves. On MHI’s part, Boehlert’s responses to Allen are polite and professional.

Prior to issuing this report, MHProNews reached out once more for comment to Messrs. Allen and Ghorbani. For those anxious to share their views to their select group of readers, they have opted not to state reasonable replies to our questions for the record to the largest professional audience in the industry.  Why are they ducking replies?

A copy of the questions sent to MHARR’s President and Vice-President are below, as are the questions sent to George Allen.

A download of the search results from Google on this date for “Manufactured Housing Institute” = “GSE Reform” produced the results shown in the attachment linked here, which also reflects search results found on MHProNews, both of which pre-date by months or years the MHARR initiative ballyhooed by Danny Ghorbani.

The initiatives in the Senate both MHARR and MHI reference provide reasons for hope for all in the industry.

By contrast, this apparent manufactured controversy detracts from what ought to be one of many joint steps forward by MHARR, MHI and state associations, who all should be working in concert on issues vital to the manufactured housing industry.

Inflammatory messages may help a pair of ‘leaders’ posture themselves as tough, but do such missives advance or harm the manufactured housing industry’s agenda, and the interests of their own followers?

Industry voices cited in the articles found in the links below question if Danny Ghorbani – with or without the aid of George Allen – can effectively deal with regulators and politicos, without major changes in his modus operandi…or will real leadership by MHARR’s CEO come from Ghorbani’s successor, should Ghorbani depart or retire? ##


Appendix

Questions provided to George Allen for response by MHProNews:

1) Will you publish the unedited reply from Jason this upcoming weekend on your blog, or will you continue on your allegedly pro-Danny Ghorbani/MHARR, anti-MHI public stance?

2) As a self-proclaimed MH Communities owner advocate, how do you defend Danny Ghorbani’s embrace of Ishbel Dickens and her anti-MHC owners organization, when Dickens has reportedly said in public that community owners are “the enemy…”?

3) You’ve described on your blog your activities in part as an “agitator. ”  You’ve described Danny Ghorbani as a “leader.” Yet in the past, you decried Ghorbani for very similar stands to his current one, and after your own analysis, described in the article and links from the post here,

http://MHProNews.com/blogs/tonykovach/mharr-after-danny-ghorbani-and-more-manufactured-housing-issues/

you concluded Danny was mistaken in his writing that you then cited.  Where you wrong then? How do you answer your own rejection of Danny’s views  then, what has he practically accomplished since then which has caused you to change your stance? How much has payments for ads or other money received from MHARR factories influenced  your new found admiration for Danny?

4) Why do you not show remarks opposing your views on your blog?

5) We’ve invited you and Danny to debate MH Industry related topics; why have you not done so?

6) As an industry commentator, did you know that GSE reform was on the MHI legislative agenda?

7) You are fine with asking questions, so why do you not provide the courtesy of replying to questions when you are asked?

Questions provided to Danny Ghorbani and M. Mark Weiss at MHARR

1) We’ve asked many times, and ask again, what are the achievements of your last last 5 years at MHARR?

2) Why is it necessary to undermine MHI to make yourself look better?

3) Specifically what did you do – apart from MHI – that makes this advancement in GSE Reform your sole victory?

4) And how is this bill – not yet a law – more of a victory than HR 1779 or S 1828?

Previous Reports, Posts and Articles on this or Related Topics

Some Related Story Links:

Downloads and Attachments:

Commentary on MHARR ad from a cross section of MHPros in the Industry are found here.