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Law Allows Real Estate Personnel to Sell Homes in Your Manufactured Home Community

March 7th, 2018 No comments

Real estate personnel are now allowed to sell homes in manufactured and mobile home parks without first having to be licensed as a broker under the Arizona Division of Manufactured Housing, Department of Housing.

The new law [in AZ] allows:

1) Licensed real estate brokers and salespeople to sell new or used manufactured homes and mobile homes located in mobile home parks if the licensed broker or salesperson is acting as an agent for a licensed Manufactured Housing Dealer and the Dealer is responsible for filing all of the required paperwork and submitting the required fees on the sale of the home

2) Licensed real estate brokers and salespeople to sell used manufactured homes and mobile homes located in mobile home parks if they are acting on behalf of a private party and the broker or salesperson then remains subject to the real estate licensure requirements

MHCA’s task force on this topic, consisting of Greg Johnloz, Keith Vanderhout and Mel Comstock, are done with all of the forms real estate personnel will need to sell the homes. MHCA hired a law firm which works with the Arizona Association of Realtors (AAR) to prepare the forms, and then sent them to MHCA’s attorneys for review. AAR has shared the contracts and information on this law with their members and we should find some realtors interested in selling our homes.

RealEstatePersonnelCanSellMHCASusanBrentonManufacturedHousingIndustryVoicesDailyBusinessNewsMHProNews

In addition, MHCA is preparing a three-hour class on selling homes in our communities and hopefully it will be approved as a class eligible for the continuing education required of real estate personnel. We will also be working with the 12 different Multiple-Listing Services in Arizona on this topic.

MHCA believes this is an important new law which will bring more prospective buyers into our communities. ##

Susan_BrentonManufacturedHousingCommunitiesAZ-DailyBusinessNewsMHProNews202Susan Brenton
MANUFACTURED HOUSING COMMUNITIES OF ARIZONA

2158 North Gilbert Road
Suite #116
Mesa, AZ 85203

Editor’s Note: the headline and the graphic/quote are provided by the publisher, as is customary.

State Association Quits Membership in Manufactured Housing Institute (MHI), Explains in Writing, Why?

February 9th, 2018 No comments

The manufactured housing industry has long been a mainstay of affordable housing in the United States.  For decades the industry has provided an unmatched quality of life with an affordability not seen in any other sector of the housing market.  The homes and the land lease communities in which they are situated have become fixtures across the country providing an affordable, quality lifestyle to all segments of our population.  Over the years it has seen its ups and downs, but has been able to survive and even thrive through the difficult times.  The greatest hindrance and the greatest threat to the industry is not the economy, the homes or the communities, it is governmental interference and over regulation. 

The Manufactured Housing Communities of Arizona (MHCA) is a statewide association representing community owners in Arizona.  As state associations do, the MHCA has been very active and productive at the state level in combatting governmental interference with its burdensome regulations and obstacles.  At the state level most community owner associations have been able to not only monitor proposed local and statewide legislation, but interact with legislators to prevent onerous regulations that are detrimental to our industry.

The MHCA had joined a national association in hopes that we would get the same representation and effectiveness at a national level.  The national legislation and rule making over the last ten years has proven that we do not have that representation.  One only has to look at the passage of the Safe Act and the Dodd-Frank Act to see how devastating and onerous national legislation can be.  Other similar chattel groups (the RV industry) saw the proposals and their representation managed to have them exempted.  The national organization to which we belonged was apparently unaware of the legislation and its ramifications until after passage and it was already being implemented.  The rule making in the aftermath has been horrendous and little if anything has been done to stop the bleeding.  Recently, HUD has issued rules concerning the screening of prospective tenants for our communities.  Again, we find no one aware of what is happening, much less advocating on our behalf.  Installation requirements are being implemented that have no basis in common sense and the result will be additional burdens on community owners and added costs for homeowners.

Due to the lack of effective representation at a national level, the MHCA withdrew its membership from the national association to pursue other avenues of representation. We are not the only state association to do so.  The MHCA has been exploring other options; including hiring a lobbying firm that is prominent in Washington, D.C. 

MHCommunitiesOfAZNealTHaneyPresidentWhyTheyQuitManufacturedHousingInstituteMHIDailyBusinessNewsMHProNews737x214

In some cases, the state associations represent community owners only and in others there is a single association representing all aspects of the industry.  We need a national association to advocate on behalf of community owners.  It does not need to be an association with conferences to attend or one that requires numerous meetings and publications.  Such an association needs to be very narrowly focused on monitoring proposed legislation and rule making.  We need someone to advocate on behalf of the community owners.  This singular task needs to be done at the congressional level and in the departments that make policy affecting our industry.  Every community owner, and every association that is accepting membership dues from community owners, should be concerned with the lack of representation at the national level and should be involved in finding adequate representation.  If you are willing to be a part of the solution, please contact our association office.

Manufactured Housing Communities of Arizona
2158 N Gilbert Road, Ste. 116
Mesa AZ 85203
Phone: 480.345.4202, Toll free 800.351.3350

You may also email our Executive Director Susan Brenton at: sbrenton@azmhca.com.

Thank you for your consideration on how you can help shape the future of our industry.

Sincerely, 

Neal T Haney,
President


##

ManufacturedHousingCommunitiesofAZLogoIndustryVoicesDailyBusinessNewsMHProNews

A Tale of Broken Hitches

November 29th, 2017 No comments

If you have been in the industry for anytime at all, especially in the area transportation, you have had a hitch failure. It always comes as an inconvenience, but can cause major damage, and injury to other motorists.

Unfortunately, that isn’t where this story starts.

This one starts on a somber November morning when 26 families are told they would be forced to leave a park many had lived in for years.

Some cried, some were mad, some just stood in shock!

The main question, of course, was why?

The owner was a nice compassionate man who had owned the park for years. The park was over 95 percent occupied. I went to see him and investigate what was happening.

Could this all just be a misunderstanding?

The meeting between the owner and I was a solemn one. He stated that it was true.  He was closing the park, and making everyone move.

Normally this isn’t that major of a concern, but this is the third park in my area to close or be re-purposed in less than one year.

Many of their residents live below the poverty line, and are struggling to make ends meet.

Where are they to move to?

Their homes will not pass many park requirements, due to age, and they cannot trade up to a new home that would pass due to their financial position.

This leaves many home owners to simply throw up their hands and walk away.

I asked the park owner to sell. I didn’t want it, nor is it in my long-term plans, but it made better sense then closing.

He declined my offer. He stated that the major driving force in the closing was state and city regulators. The city had recently annexed the area, and TECQ also played their part.

When it was all said and done, the owner couldn’t complete with such force. 

So, I set out with the team to help as many as we could.

We are working with 6 families and have moved 2.

This is where we come to our broken hitch. Due to the age and condition of the homes, we require a hold harmless be signed by all parties.

ShawnFullerIntegrityHomesManufacturedHomeProfessionalDailyBusinessNewsMHProNews

We know that these homes can be moved, but must be moved cautiously.

Sure enough, I pulled the most difficult one, and less the 3 miles from its new home, the hitch and header plate failed.

That’s the bad. It gets worse. It happened in front of an affluent high school right after lunch. And within minutes, we had over 15 police officers from 4 different agencies on the scene.

A not so simple repair became almost impossible with the red tape created in a matter of minutes. Some may be asking, why go that way?

It was our only permitted route.

Needless to say, we were able to make the repairs, and get the home safely transported.

The damage? None. I never went over 35 mph the entire time I was moving the home. And due to the fact I was in a school zone I was traveling between 10-15 mph.

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To report a news tip, click the image above or send an email to iReportMHNewsTips@mhmsm.com – To help us spot your message in our volume of email, please put the words NEWS TIP in the subject line.

We were on site with the home before dark, and with a happy customer. She even argued with the officers that we had done nothing wrong. 

So here is my question to the industry.

What if? What if we get to a place where we don’t have a place to put our products because of overzealous regulators who run good small-and-large parks out of business?

We sit back, and say this can’t happen but it does everyday.

Also what happens when we take “affordable housing” out of our vocabulary, what are we? Just housing…like everybody else.

We need to be collectively active in protecting our industry. 

The two families that we were able to help had their homes installed before Thanksgiving, and I am wishing them a Merry Christmas. ##

ShawnRosaFullerIntegrityHomesTexasManufacturedHousingIndsutryVoicesManufacturedHomeProfessionalsMHProNewsBy Shawn Fuller,


MH Industry Professional, Texas

 

(Editor’s Note: Shawn’s story reminds me of Marty Lavin’s Back to the Cornfields, linked below, and stories too numerous to link. Comments or news tips on this or other industry relevant topics are invited at the link at the right.)

 

“Make MH Great Again” – Marty Lavin Exclusive

MHC Pro, Paul Bradley, Sounds-Off on New Loan Program for Manufactured Home Owners

October 11th, 2017 No comments

Hi Tony,

Great announcement, huh?  Here’s my take and on-the-record comments:

First, understand that MH in land lease communities in NH is titled as real estate.  Hence, a lender makes a mortgage loan even if they’re financing only the home. Such a mortgage does not include the land and does not disrupt the underlying commercial financing.

Second, Fannie Mae began approving ROCs in 2008 for home only mortgage financing.  Unfortunately, soon after, the PMI companies left the market (due to the recession and problems in the residential mortgage market broadly) so the program languished with just 10 ROCs and two local banks for nearly a decade.

Last week’s announcement brings new life to this program.  The NHHFA will empower its originating lenders to originate residential mortgage loans for homes in ROCs and in turn sell those mortgages to Fannie Mae.  This will make long-term, fixed rate residential loans available on homes in ROCs.  With PMI, borrowers can pull down 95% LTV loans.  It’s how the mortgage market works.

PaulBradleyDutyToServeDTSChattelLendingManufacturedHousingIndustryHomesFannieMaeFHFAIndustryVoicesMHProNews

Editor’s Note: Graphic above and the headline are provided by the publisher, as is common in media. You can download the original article that Paul Bradley is commenting on, from this link here. To learn more about ROC USA, click the graphic above.

Now, two things:

  1. This is the very construct that land lease owners could establish.  In fact, it’s what Freddie Mac went to market with in the mid-2000s with a leasehold loan product that required titling as real estate.  Several states created an “opt in” real estate titling law for MH to take advantage of the program.  And, since, the Uniform Law Commission passed an opt in titling law for states to adopt.  It’s all in waiting.

 

  1. Residential mortgage loans will carry longer terms and lower interest rates than chattel even if the GSEs enter the chattel market with pilots next year.  That’s because mortgage loans are going into existing and very large securities.  Chattel will have a different securitization path.

So, as I’ve said in several industry talks I’ve given on the subject, there are parallels to what we’re doing for industry players interested in providing long-term secure homeownership opportunities.

Further, if a community owner is interested in selling and seeing their legacy continued with innovation like this, they should consider a sale to the residents.  We can help with that and enroll these communities in forward looking, transformative work like this HFA and Fannie Mae financing program.

We’re building a national network on the principle of security for homeowners, and it’s working!  Work for you?

Thanks.

PaulBradleyROCUSA-postedMHProNews-com-75x91-

Paul Bradley
President, ROC USA

Award Winning Manufactured Home Retailer on FEMA Takeover, Impact on Independents

September 28th, 2017 No comments

Manufacturers down here were 4 to 6 weeks out before the storms.

Many of us can remember Katrina and tracking down houses that were abandoned at a truck stop or on the side of the highway, en route because the driver could make so much more money pulling for FEMA “right now.”

There is legitimate reason for concern.

If they commandeer a large portion of production/plants, all of us independents are going to feel that hit and, depending on your suppliers, that could be a BIG hit. ##

The scale of the loss in TX may lead to legally negating NIMBY as well. That would make the danger much greater for the independents. ##  (Editor’s Note: Crawford is responding to the reports about FEMA taking over production lines, and the potential impact on independent retailers, communities and producers.  See the most  report, linked here.) 

BobCrawfordDickMooreHousingPresidentFacebookIndustryVoicesManufacturedModularHousingProNewsBob Crawford
President
Dick Moore Housing

A New Manufactured Home Community Brings Excitement

July 12th, 2017 No comments

How exciting it is that we are having a new community being built in Oklahoma!   We have existing communities that have expanded their communities, but it’s been over 30 years since a community of this scale has broken ground for a MHC in the state, let alone Oklahoma County.

CrystalPriceKOCOTV5NewsOKC-OK-manufacturedhousingIndustryDailyBusinessNewsMHProNews-575x315

Deanna Fields is Op-Ed is reacting in part to local news story, which has been covered by MHProNews at the linked here

Per the Oklahoma County Planning department, their permit will not be revoked. They have done everything the county has/is asking for.  The development will be built.

Even though a special use permit was granted in 1980’s, they have to comply with “today’s” requirements with setbacks & paved streets.  They will be hooked up to a Water District for their water/sewer. and they will be using a aerobic system for their greenbelt.

Plans for a community center, community shelter(s), fencing the perimeter are also projected.  This is going to be a fabulous community bringing forth an affordable lifestyle for hundreds of families!

Currently they are working on erosion control.

DeannaFieldsMHAOLinkedInIndustryVoicesMHProNews.

Deanna Fields, MHAO, credit, LinkedIn.

This development does come close to estate homes in the Edinborough Point Addition (west side) which is in the Edmond city limits.  This MH community is not in the Edmond city limits, which is considered a “bedroom community” a bedroom community suggests that residents sleep in these neighborhoods, but normally work elsewhere; also that there is little commercial or industrial activity beyond a small amount of retail, oriented toward serving the residents.   Edmond residents traditionally protest any large development that infringe on their “bedroom community” lifestyle.  Edmond residences recently protested having a huge upper end apartment complex with a green-belt, Wal-Mart Supercenter and a Warren Theater, all would of put forth “curb appeal”….but the residents said no and won.

There will be a barrier between the MHC development and the Addition.  On MHC east side boundary it is unincorporated land zoned  industrial…so I’m sure a strip mall of some type will probably go in there….or a huge gas station.    Yes, those that live in those estate homes are upset but there is NOTHING they can do about it….unless they want to buy out the developer…..which I doubt will happen….since approved MHC zoning is liquid gold and once they see this community being developed by local developers who care about their neighbors they should be good neighbors.   If not MHAO does have studies available showing existing homes next to a community does not depreciate their homes.  Our industry has studied ourselves extensively over the past several decades.   Plus, comps are already established  in the subdivision.

The only unpleasant problem the industry will see is the County staff are now currently going through their files finding unexpired permits…they have found several for parks.  MHAO will continue our working relations with the Oklahoma County Planner and monitor any proposed changes in their zoning.

MHAO-manufacturedHousingAssociationOfOklahomaDeanna Fields
MHAO Executive Director
6400 S. Shields Blvd., OKC, OK  73149
Email:  mhao@mhao.org
Website: www.mhao.org

 

The Long, Long Trailer, Keith Olbermann’s ‘Trailer Park Trash’ – Frank Rolfe, Mobile Home University, Response

April 24th, 2017 No comments

It is amazing to me that any media person can stereotype millions of Americans without being worried about their career being at stake.

In today’s politically correct world, why is it acceptable to use such a derogatory term as trailer park trash?

Newscasters and journalists are losing their careers over the use of every other insulting slang term  — however minor — simply from special interest groups threatening to boycott the advertisers. So why is “trailer trash” the one insulting term in the U.S. that you can use without any fear of reprisal? Is it because the average American feels it’s true, thanks to the consistent negative portrayal of the industry in the media?

Not too long ago, the reverse was true. “The Long, Long Trailer” starring Lucille Ball was a big film in 1953. Elvis lived in a “trailer park” in the films “It Happened at the World’s Fair” in 1963 and “Speedway” in 1968. Back then, the media portrayed “trailer park trash” as wearing tuxedos and driving sports cars — a 180 degree difference.

So why did they change their tune?

I think that education is the solution. Those in the industry know that there are some terrible properties out there, but they are a tiny fringe group of the 44,000 communities in the U.S. The average manufactured home community resembles a traditional subdivision — sometimes nicer than the surrounding subdivisions. We can only change the “trailer park trash” stereotype by convincing the general public that the term is unfair and offensive and not a statement of fact. That would generate a grassroots movement to protest the term aggressively and that, in turn, would scare the media away from ever using it again. If any journalist who uttered the phrase “trailer park trash” immediately lost their job, then it would disappear overnight.

So how do you educate the public about what our residents are really like? One method would be to fire off a barrage of articles — backed up by facts — on why the term has no place in a modern America; tied, via Google, to every article in which the negative terms are used.

Another would be to talk openly and honestly to the media and let them walk properties and talk to residents and break down their perceptions.

Finally — and this would be very expensive — to do a proactive public relations campaign that is clever and effective.

Am I offended by the term “trailer park trash” in the media recently? Certainly. I’m also disappointed and amazed. But I think it also serves as a wake-up call that our industry has a huge amount of work to do. When these negative terms disappear forever, then we will have done our job and elevated the industry to the next level.  ##

FrankRolfeRVHorizonsMobileHomeUnivtKeithOlbermannTrailerParkTrashRemarkIndustryVoicesManufacturedHousingIndustryMHProNews

The headline and this graphic are produced and provided by MHProNews, a common practice among many in media to illustrate opinion or letters to the editor columns.

FrankRolfeRVHorizonsMHUnivPostedINdustryVoicesManufacturedHomeIndustryCommentaryMHProNewsFrank Rolfe
RV Horizons and Mobile Home University

(Editor’s Note 1: Rolfe’s comments are made with respect to a tweet by Keith Olbermann, published in an article on Washington, D.C.’s ‘The Hill,” see link here, or at the top, above.

Note 2: MHProNews contacted several top people at the Manufactured Housing Institute (MHI), as well as their media contact, to give them an opportunity to share a comment or respond. As of this time, more than 48 hours later, they have not done so.)

“Hypocrisy!” Keith Olbermann Crossed-the-Line with Misguided “Trailer Park Trash” Comments

April 23rd, 2017 No comments

Wow!! Keith Olbermann should be careful. I’m sure he knows that God humbles the proud, and gives grace to the poor.

KeithOlbmermanPerfectExampleHypocrisyFromLeftDemandPoliticalCorrectnessThenJudgeOthersReservedGodToddLambInvestmentsPostedIIndustryVoicesMHProNews

Headlines and these graphic are provided by MHProNews, as is customary with many in media.

This is a perfect example of the hypocrisy from the left. They demand and cry for ‘political correctness’ from the GOP and Christians, but then turn around and place themselves in the judgement seat (which should be reserved for God alone – Duet 32:35) by using the term “Trailer Park Trash.”

Some of the most joy-filled, hard-working and good people that I have had the privilege to know live in Manufactured Home Communities. I’m sure they would not appreciate his terminology, or Olbermann’s judgement on two Rockers and Sarah Palin.

It really is shocking to see the left-wingers squirm when they are not in power. A reminder to all Conservatives: “Pray for Donald Trump, the President is under constant attack.” ##

(Editor’s Note: The above is in response to the article on The Hill about the tweeted comment by Keith Olbermann, see link here.)

ToddGLambLambInvestments1postedIndustryVoices_ManufacturedHomeCommunities-MHIndustry-MHProNews200x200Todd Lamb
Lamb Investments

Manufactured Home Communities – aka “Mobile Home Park” – Closures – Viewpoint by Marty Lavin

April 23rd, 2017 No comments

As with many things in life, the matter of park closings is highly complicated with few easy answers.

Probably the best answer is to allow the park residents the option to purchase the property. Not fool proof, but meets the burden of the failure of the park owner to allow residents to maintain the perpetual rental of space for their home, which is implicit in buying a home in the property.

When most (manufactured home community residents) buy a home in the property, rarely if ever is he handed a notice that the community could be closed on short notice, their only relief being whatever measure their state or city has for park closings. Most residents rarely consider park closings as a threat till the specter arrives.

On the other hand, in a capitalist nation we still behave in some areas as though the park owners have no legal responsibility to allow the residents to stay, and can sell the property to others at will, and empty the community with little hindrance or concern, again, subject to whatever relevant laws control the closing.

I have been surprised in areas where park closings are common that authorities do not compel a statement be given in writing as part of the move-in process alerting the new resident of the right of the park owner to sell or close the community and what compensation, if any, is available to the resident on closing.

MartyLavinJDMobileHomeParkManufacturedHomeCommunityClosuresMHProNews

Headlines and these graphic are provided by MHProNews, as is customary with many in media.

I’m also wondering, but not enough to research the subject, whether upon notice of closing, residents should get an attorney to plead their case that the park owner allowed them to have a home in the park, often encouraging their entry, knew or had reason to know most people would get a long term mortgage to purchase their home. Often at closure, many years mortgage term remain unpaid. It is here the lender gets the downside loss, and is not particularly beneficial for the home owner.

Remember, it is not unusual that when the home must be moved or resold because of a closing, the stars do not line up well for the home owner. First, the home must be moved, there as a cost of moving and the difficulty of finding a lot to accommodate the home. Quite a hand full, usually not ending well, unless the state laws give some protection to the resident. The process is pretty destructive of our financially fragile customer base.

Frankly, this mercenary park closing without adequate compensation for the resident is morally wrong if not legally. It does no credit to the industry that so much of this happens.

Meanwhile, I was amused that people are forming groups to try to save endangered parks to keep them open.

I wondered where these folks were in the 1970s when I was doing park development zoning in the north east.

At virtually every meeting, the facility used had to be upgraded to the school gym to handle all the attendees. All seem to me to be carrying tar and feathers and had mean looks in their eyes. How many parks could have been built to accommodate the demand had there been far less resistance? Who knows, but far more. And it continues even today.

I guess that train has passed, but the California boys being pretty bright, I’m sure they are still trying to build parks in less expensive land areas. How is that going? ##

(Editor’s Note: The commentary above is in response to the mainstream media article, linked here. Lavin is the winner of MHI’s Totaro Award for his lifetime contributions in financing, was a mobile and manufactured home retailer, as well as  an owner/operator of manufactured home communities.  Some of Lavin’s other insightful, popular commenataries are linked below.)

MartyLavinTotaroAwardFinanceAwardManufacturedHousingIndustryVoicesMHProNews

Photo from Mary Lavin, Esq.

MARTIN (Marty) LAVIN
Att’y, Consultant, Expert Witness
in Manufactured Housing.
350 Main Street
Burlington, VT 05401
802.238.7777

 

Recent, also by Marty Lavin:

http://www.MHProNews.com/blogs/industryvoices/not-enough-hunger/

MartyLavinJDExpertWitnessTataroAwardWinner-NotEnoughHunger-IndustryVoicesMHProNews--500x365

http://www.MHProNews.com/blogs/industryvoices/deja-vu-again-a-new-manufactured-housing-institute-mhi-initiative/

UMH Properties’ Sam Landy Reacts to Call to Defund National Public Radio (NPR)

February 18th, 2017 No comments

NPR and UMH both care deeply about people.

UMH has operated manufactured home communities since 1969. We believe enforcement of our rules and regulations is best for the majority of the people who live in our community.

NPR is reminding us that we must exercise our authority with compassion. We welcome outside oversight and criticism as it allows us to objectively evaluate our actions.

As with many op-ed or letters to the editor, the headline and graphics are provided by the publisher, but the thoughts and words published are those of the writer. Other Industry Voices perspectives are welcomed on this or other relevant topics.

We believe in each case covered here, we in fact did the right thing for our residents. and that we did it in a compassionate manner.

We welcome NPR’s follow up.

samlandy-umh-ceopresidentjd_credit-linkedi-posted-industryvoicesmanufacturedhousingindustrypronews-mhpronewsSam Landy, JD
President and CEO
UMH Properties

(Editor’s notes: Mr. Landy’s Industry Voices guest comment came in response to the commentary on the Daily Signal, linked here, calling for NPR to be defunded.  Landy was cited in the article, linked below.

NPR and Fair Housing: Is “Liberal Bias” Creating Fake News?

For the interview, A Cup of Coffee withSam Landy, click here.)