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Cup of Coffee with...1. Who, what and where: (Your name, and your role/job title at what organization or firm)?

Teresa Payne, Associate Deputy Assistant Secretary, Office of Regulatory Affairs, Department of Housing and Urban Development

2. Please tell us a bit about your background and how you arrived in your role with HUD and the manufactured housing program now.

I have been working at HUD for over 14 years. I began my government career with HUD's Office of General Counsel, working in both the RESPA enforcement and RESPA policy offices. I served as the Deputy Director of the Office of RESPA and Interstate Land Sales, a similar regulatory program, for three years and Director of Housing's Office of Business Development for about three years. I am honored that the Commissioner selected me for this position and am excited about this new opportunity to work with the manufactured housing industry.

3. What are your personal interests or hobbies? How do you like to spend non-work time?

Our household is very active. I have two small children, and my husband and I very much enjoy spending time outdoors with them. I personally enjoy exercise to maintain my health and I to try to find ways to weave that into family activities. Running and tennis have been life-long pleasures. When I was a young child, I would spend hours on the backboard trying to see how many times I could hit the ball in a row. I guess I started goal-setting at an early age!

4. How do you personally like to respond to challenges that come up for you professionally? (In other words, how do you try to tackle problems and arrive at effective solutions?)

I think it is important to listen to and work with all stakeholders to arrive at the most effective and practical solutions. I also like to engage staff and colleagues in challenges – which I view as opportunities – and encourage creative thinking to arrive at possible solutions.

5. Do you have any friends or relatives who own or live in modern manufactured housing?

Not currently. However, my parents' first home was a manufactured home in rural North Carolina. It was very affordable for a young couple starting out and beginning to make a new life together.

6. Tell us your impressions from your tour of the homes at the Great Southwest Home Show in Tulsa. What did you think of the entry level homes? What was your take on the 'residential' style HUD Code homes?

The visit to the Home Show in Tulsa was my first experience of the kind. I was amazed at the size of the show and the variety of manufactured homes that are available. The entry level homes truly showed good value. The residential style of HUD Code homes struck me as being a product that could be configured to meet the desires of consumers seeking a higher level of amenities and more space. It was exciting to see that the products have kept pace with new home technology, luxury and comfort.

7. In Tulsa and at Washington DC at MHI's summer meeting, you said, "Manufactured Housing Rocks!" and "Manufactured Housing Still Rocks!" Please share your background thoughts to those statements.

Manufactured housing is an industry that has significantly advanced through the years and it's exciting to be a part of this movement for affordable housing. The owner of today's manufactured home gets a product at an affordable price with the modern flexibility of design. In addition, I have thoroughly enjoyed the people I have met through this industry. They have been friendly, dedicated, knowledgeable and hardworking – they truly rock!

8. What are some of the biggest issues facing affordable housing in the U.S.? How do you see the situation being improved?

It's really a balancing act – manufactured housing has to maintain its affordability while also keeping up with consumer's expectations for safety, comfort and value. It is HUD's role to help ensure that both are met effectively. We are also working and living in an economic climate of uncertainty that is adversely affecting all U.S. housing and manufacturing.

9. How can manufactured housing play a role in providing more affordable housing?

The Commissioner and I both consider manufactured housing to be an important source of affordable housing in today's market. The industry – both large and small stakeholders – and HUD should find areas where we can work together to advance the design and construction requirements of manufactured homes. After all, we are all working towards the same goal of serving a vital market and sector of the housing industry. HUD's role is critical in assuring that all manufactured housing products are safe and perform as expected. The industry's role is to understand its market and business environment, including the construction and safety standards. Everyone wins when there is a happy consumer that is living in a great manufactured home product.

10. HUD recently commissioned a study on how manufactured housing can fit into urban areas and help address affordable housing needs there. Did you find the conclusions surprising? What impact do you expect the information will have?

I am not sure which study your question is addressing. If you are referencing the "Regulatory Barriers to Manufactured Housing" study, the final report has not been issued by HUD yet. This study was conducted by HUD's Office of Policy, Development and Research.

11. The Obama Administration has indicated moves towards more support for rental housing. Do you see anything on the horizon that may give more support for manufactured housing as the smart affordable housing alternative?

HUD has always recognized and supported rental housing as an effective form of affordable housing. It has also promoted manufactured housing as a smart affordable housing alternative through working with the Manufactured Housing Consensus Committee to continue ongoing improvements in the design, construction, quality control and installation of these homes.

12. What advice would you give a first-time buyer looking at manufactured homes? What advice would you give a retiree?

All consumers should be educated and well-informed prior to making an expensive purchase. There is a great deal of consumer information on the Internet provided by manufacturers, retailers and consumer advocates. HUD recently posted three new consumer videos entitled 'Shopping for your home,' 'Shopping for your loan' and 'Closing the deal.' I would encourage all consumers to watch these videos before and during the home buying process. They can be found on HUD's YouTube channel (http://www.youtube.com/HUDchannel). I would also advise anyone looking to buy a manufactured home to make sure they can afford the monthly and yearly expenses associated with the long-term investment.

13. What is one of your proudest accomplishments or achievements?

Passing my first bar exam was one of my proudest achievements before I came to HUD. While at HUD, one of my proudest accomplishments was building and leading a nationwide account liaison team to serve as the main point of contact with FHA-approved lenders.

14. Any other thoughts or comments?

I think I've covered a lot. I look forward to working with the industry in the years to come!

##

Daily Business News Briefs

Yellen Didn’t Help Markets; Yahoo Manufactured Housing Composite Value Rise…

Yellen Didn’t Help Markets; Yahoo Manufactured Housing Composite Value Rises, Dow Slips

U.S. stocks slipped amid Ukraine-Russian woes. Marketwatch tells MHProNews  that investors shrugged over a “balanced speech” by Federal Reserve Chairwoman, Janet Yellen. The S&P 500 SPX, -0.01% slipped by 1 point, or less than 0.1%, to 1,991, while the Dow Jones Industrial Average DJIA, -0.04% shed 10 points, also less than 0.1%, ...

22 Aug 2014

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All Parks Alliance for Change Lobbying Congress opposing Minnesota Communit…

All Parks Alliance for Change Lobbying Congress opposing Minnesota Community Owners Support for a Floor Vote on the Preserving Access to Manufactured Housing Act (HR1779)

Mark Brunner at the Manufactured and Modular Housing Association of Minnesota (MMHAMN) tells MHProNews that the All Parks Alliance for Change (APAC) is lobbying Congress to oppose The Preserving Access to Manufactured Housing Act (HR 1779). Brunner says APAC has sent out the following call-to-action statement to their members. “House members...

22 Aug 2014

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Residential Eyesores to be Renovated with Federal/Local Tax Dollars for Aff…

Residential Eyesores to be Renovated with Federal/Local Tax Dollars for Affordable Housing

Clearwater (FL) Housing Authority will begin repairs on two single family houses and a building that will be used for multi-family housing use, that should be ready next year for low-income households. Jacqueline Rivera, the housing authority’s CEO, and Deborah Woodard, chairwoman of the housing authority board, said clean up of a neglected 1...

22 Aug 2014

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Affordable Housing Irony – hundreds on WilCo waiting list – near MH Product…

Affordable Housing Irony – hundreds on WilCo waiting list – near MH Production Centers

“We obviously … have to have more affordable housing,” Nikki Brennan, executive director of the Georgetown Housing Authority, said. “I think [the need is] pretty much all over Williamson County [WilCo]” ImpactNews tells MHProNews that WilCo has some 500 people on the public housing waiting list, and more than 600 waiting for the housing choice [&#8...

22 Aug 2014

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“From Moscow, with Love?” Lawsuit advances against Manufactured Home Commun…

“From Moscow, with Love?” Lawsuit advances against Manufactured Home Community Owner

Residents of Syringa Mobile Home Park near Moscow-Pullman, Idaho have been in a struggle that bubbled up over their need for drinkable water and other issues. This began last winter, and resident Doris Carlson told KREM News that “I have wept an awful lot because I am tired of living like this.” The Idaho Department […]...

22 Aug 2014

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CFPB: What’s the difference between being pre-qualified and pre-approved fo…

CFPB: What’s the difference between being pre-qualified and pre-approved for a loan?

Amy Tierce writing in NationalMortgageNews tells MHProNews that the CFPB’s website gives and answer to the question, What’s the Difference between being pre-qualified and pre-approved for a mortgage? but that the CFPB’s answer is not, Tierce says, “the full story.” Some lenders have decided “not issue pre-approval letters due to t...

22 Aug 2014

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Australian Modular Home Built to Resist Bushfires

Australian Modular Home Built to Resist Bushfires

A steel and glass-structured modular home with non-combustible fiber cement floor panels is designed to resist bushfires in the Australian outback, as well as to collect rainwater to use in the event of a fire. The modular Supashak is made to be transportable across Australia and adaptable to a variety of climatic conditions. The broad, […]...

21 Aug 2014

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Skyline Advances; S&P 500 Hits New High

Skyline Advances; S&P 500 Hits New High

Stocks were climbing in today’s trading, as the S&P 500 hit an all-time high at 1,992.37 and the Dow closed above 17,000 for the first time since July 24, as CNNMoney informs MHProNews. The Dow Jones Industrial Average gained +60.36 points, +0.36 percent, to end the day at 17,039.49, while the S&P 500 advanced +5.86 […]...

21 Aug 2014

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Existing-home Sales Show Modest Gains

Existing-home Sales Show Modest Gains

Although existing home sales rose 2.4 percent from last month to a seasonally-adjusted annual rate of 5.15 million in July, the highest rate of 2014, they are down 4.3 percent from last year, according to housingwire.com. Last July’s 5.38 million unit level, the highest for 2013, includes single-family homes, condos, townhomes and co-ops....

21 Aug 2014

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100 Tiny Homes Set for Portland, Oregon

100 Tiny Homes Set for Portland, Oregon

Tiny houses may soon fill four micro communities to house the homeless and low-income residents in Portland, Oregon, according to oregonlive.com. The 192 square-foot products of TECHDWELL, which are made partly of recycled materials and cost around $12,000 to build, would be sited on public land in pods of 25 homes each. MHProNews has learned...

21 Aug 2014

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New 55 Older MHC Opening in Michigan

New 55 Older MHC Opening in Michigan

A new manufactured housing community (MHC) is being developed in Courtland Township in western Michigan on the site of a former MHC, and the 55 and older community may eventually include up to 700 two and three-bedroom homes. The Oaks of Rockford will begin with 150 homesites at $375 a month rent plus utilities on […]...

21 Aug 2014

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Featured Articles and Reports - August 2014 Vol. 5 No. 11

Prev Next Page:

Enhanced Manufactured and Modular Home Marketing and Sales Results

Enhanced Manufactured and Modular Home Marketing and Sales Results

by L. A. “Tony” Kovach American companies spend 2 billion a year on training. So why don't more manufactured and modular home (MH) retailers and communities invest properly in sales training? Read more

MARKETING

Bacon is so popular!

Bacon is so popular!

by Nadeen Green, JD Yes, indeed bacon is popular. An entire culture has been developed around this pork product in America, and once limited to breakfast and cheeseburgers, bacon has now... Read more

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

Architects Have a Duty of Care to Future Buyers of Condominiums for Neglig…

Architects Have a Duty of Care to Future Buyers of  Condominiums for Negligent Design

by Bill Dahlin, Esq. On July 3, 2014, the California Supreme Court decided the case entitled Beacon Residential Community Association v. Skidmore, Owings & Merrill. Read more

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

A New Strategy for Community Owners

A New Strategy for Community Owners

by Steven Lefler Our society has labeled housing for as long as I can remember. I grew up believing “Site Built Homes” typically register in people minds to be “better built,”... Read more

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

The Impact of a 1.3 Billion Dollar Manufactured Home Communities Acquisitio…

The Impact of a 1.3 Billion Dollar Manufactured Home Communities Acquisition

by L. A. 'Tony' Kovach We've been reporting off and on for the past few months about rumors and tips that suggested that a deal in the $500 million to the... Read more

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

July, 1960 Popular Mechanics highlights Evolution of the Travel Trailer

July, 1960 Popular Mechanics highlights Evolution of the Travel Trailer

By Paul Bradley In a 1960 article titled, “Trailers Join the Country Club,” Popular Mechanics described the evolution of the travel trailer this way: “All this started years ago when people with... Read more

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

CFPB Proposes New HMDA Requirements: Changes Exemption Threshold and Incre…

CFPB Proposes New HMDA Requirements:  Changes Exemption Threshold and Increases Required Disclosures

by D. J. Pendleton, JD On July 24, the CFPB published a proposed rule that, if later adopted, would change the reporting requirements for those who provide loans to purchase homes. Read more

FINANCING

The Lessons of Valdez - Some things are out of Whack!

The Lessons of Valdez - Some things are out of Whack!

by Ron Thomas, Sr. Let me start this topic with a strong statement. Although I am not what some might call an “environmentalist,” I do appreciate all of the efforts that... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

2015 Louisville and Tunica Manufactured Housing Trade Show Updates

2015 Louisville and Tunica Manufactured Housing Trade Show Updates

by Dennis Hill We keep getting calls from industry professionals and others regarding the Louisville and Tunica Manufactured Housing Shows for 2015. Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

An Opportune Moment

An Opportune Moment

by Bob Vahsholtz The road ahead is hard—the opportunities boundless. The whole housing industry is on the rocks, and the nation’s economy festers. The world is mired in debt; our most... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

A Cup of Coffee with… Tim Connor

A Cup of Coffee with… Tim Connor

1) Who, What and Where: (Your name, and your role/job title at organization or firm and where you are based.) Tim ConnorCEO of Connor Resource GroupDavidson, NC. Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

A Second Cup of Coffee with...Bill Matchneer

A Second Cup of Coffee with...Bill Matchneer

1) Who, What and Where: (Your name, what you've done in the federal government as it relates to manufactured housing and where you currently hang your hat). Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

A Cup of Coffee with… Paul Bradley

A Cup of Coffee with… Paul Bradley

1) Who, What and Where: (Your name, and your role/job title at organization or firm and where you are based.) Paul Bradley, President, ROC USA, LLC, Concord, NH. Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Tech Talk! Don't You Hate - Viagra, Cialis or Zyrtec links - appearing on y…

Tech Talk! Don't You Hate - Viagra, Cialis or Zyrtec links - appearing on your  web browser or smart hand-held device? A Tech Fix Tip!

by L. A. “Tony” Kovach It is often NOT what you think! Not many self-respecting webmaster wants to plug certain drugs or other products on their website. Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Wind Speed and Add-Ons to Manufactured Housing – Response to the NBC News …

Wind Speed and Add-Ons to Manufactured Housing  – Response to the NBC News Today Show report of testing by IBHS

by Ron D'Ambra After reviewing the NBC Today presentation, one could conclude that without question, of  course the roof would blow off when the carport roof failed, because they compromised the... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Strategic planning vs. strategic doing

Strategic planning vs. strategic doing

by Tim Connor, CSP Strategic planning is a vital management function. Over the years I have worked with a number of corporations facilitating their strategic planning events as well as following... Read more

MANAGEMENT

ZigOn Employment Security

ZigOn Employment Security

by Zig Ziglar We frequently hear that "people refuse to change because change is stressful." I would like to suggest that not to change is even more stressful because the world... Read more

PERSONAL REFLECTIONS, MOTIVATION and INSPIRATION

Who is your competition?

Who is your competition?

by Tim Connor, CSP There is a tendency for many salespeople to see their competition as only those businesses selling a similar product, service or idea. In other words, salespeople selling... Read more

SALES

Upcoming Events

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MHLIVINGNEWS.COM FEATURED HOME OF THE WEEK

Classifieds

Press Releases

RV/MH Heritage Foundation Inducts the Cl…

RV/MH Heritage Foundation Inducts the Class of 2014 into RV/MH Hall of Fame

(Back row l-r) Thomas "Tom" L. Kern, Style Crest Enterprises; Ed Evans, EPM; Gary McDaniel, YES! Communities ; Richard "Dick" King, King Insurance (second row row l-r) Barry Cole, Manufactured Housing Insurance Services; Bob Livingston, Good Sam; John D Roba, Roba and Associates (front row l-r) Mrs. James F Shields. accepting on behalf of her husband,James F Shields (deceased), Pan Pacific RV Centers; Debbie Brunoforte, Little Dealer, Little Prices and Peter B Orthwein, Thor Industries. ELKHART, Ind., August 5. 2014 -- The Class of 2014 was inducted into the RV/MH Hall of Fame (Hall) last night in Elkhart, Indiana, in a gala ceremony before a record breaking crowd of more than 440 family members, friends, and colleagues from across the country. The Class of 2014 includes: Debbie Brunoforte, Little Dealer, Little Prices;...

the MHMSM Team 05 Aug 2014 Corporate Press Releases

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Steve Lefler - Modular Lifestyles and Ne…

Steve Lefler - Modular Lifestyles and Newport Pacific – Successfully Gaining Acceptance for Super Energy Saving, Green Manufactured Homes

Learn more at the article linked here, or by calling Steve Lefler, Vice President of Modular Lifestyles, Inc., a division of Newport Pacific Family of Companies at Ph. (888) 437-4587. Email steve@modularlifestyles.com. Steve is a Dual DRE and HCD Salesperson. Advanced Green Building Professional. CEC Solar Wind Retailer/Installer. http://www.modularlifestyles.com ##

the MHMSM Team 01 Aug 2014 Corporate Press Releases

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Sun Communities, Inc. to Acquire America…

Sun Communities, Inc. to Acquire American Land Lease Manufactured Housing Portfolio from Green Courte Partners for $1.32 Billion

Increases Sun Communities' portfolio to 245 communities totaling nearly 90,000 sites in 29 states with a combined enterprise value of approximately $5.1 billion Southfield, MI, July 30, 2014 - Sun Communities, Inc. (NYSE: SUI) (the "Company") today announced that it has entered into an agreement to acquire a portfolio (the "ALL portfolio") from Green Courte Partners, LLC ("GCP") sponsored funds. The ALL portfolio consists of 59 manufactured home communities, including those acquired from American Land Lease, Inc. by GCP in 2009. The communities comprise over 19,000 sites in eleven states, including nearly 11,000 sites located in Florida. Over 14,000 sites, or 73%, of the ALL portfolio are age-restricted.  In connection with this transaction, the Company will assume GCP's right to acquire an additional manufactured home community pursuant to a binding purchase...

the MHMSM Team 31 Jul 2014 Corporate Press Releases

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Mountainside Financial launches Dodd-Fra…

Mountainside Financial launches Dodd-Frank compliant non-MLO, MLO SUN Manufactured/Mobile Home Direct Loans and Refinancing

Using online articles, banner ads and video, Mountainside Financial is announcing the launch of the evolution of their direct lending platform promotion. As a division of San Antonio Credit Union (SACU), Mountainside has a unique 14 year history of making direct to consumer loans on manufactured and mobile homes. Direct loans are often done in "partnership" with brokers, communities, Realtors ®, other housing professionals and manufactured home retailers who refer consumers to them. Anthony Ducharme, Direct Channel Manager for Mountainside, explained how they created their new SUN System with Manufactured Home Professionals in mind who needed a compliant process to navigate SAFE Act and Dodd-Frank regulations enforced by the Consumer Financial Protection Bureau (CFPB). "If you've been originating your own loans, talk to us. If you want to have a legally complaint...

the MHMSM Team 08 Jul 2014 Corporate Press Releases

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Call for Nominations for the RV/MH Hall …

Call for Nominations for the RV/MH Hall of Fame Class of 2015

ELKHART, Ind., -- The RV/MH Hall of Fame Selection Committee has issued a call for nominations for the Class of 2015. Darryl Searer, Hall president, said, "The Hall welcomes nominations from all RV and manufactured housing sectors -- manufacturers, dealers, campgrounds, housing communities, suppliers, user groups, trade media, associations, etc -- for the class of 2015 and beyond. "The nomination guidelines and forms available online atwww.rvmhhalloffame.org/pages/nominations.cfm." According to the guidelines, anyone can nominate a person to the Hall of Fame that meets the eligibility requirements. The only people who may not be considered are those who currently serve on the Hall's Selection Committee. To be eligible the nominee must be, or have been, an active participant in any segment of the recreation vehicle, campground or manufactured housing industries for a minimum of 25 years....

the MHMSM Team 08 Jul 2014 Corporate Press Releases

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Southwest Region Manufactured Home Commu…

Southwest Region Manufactured Home Communities Showing Rent and Occupancy Growth, Outpacing National Average, According to JLT & Associates’ 14-Year Market Summary Report

Grand Rapids, Michigan – JLT & Associates (JLT), the nation’s #1 market research company for the manufactured housing industry, today announced a 14-year summary report of its manufactured home community rent surveys for 6 Southwest markets. Recognized as the industry standard for manufactured home community market analysis for over 20 years, JLT Rent Surveys provide detailed research and information on communities located in 72 markets throughout the United States, including the latest rent trends and statistics, marketing programs and a variety of other useful management insights. The most recent JLT Rent Surveys for the Southwest region cover 261 manufactured home communities encompassing 69,728 homesites in Albuquerque, Greater Kansas City, Greater Phoenix, Las Vegas, Tucson and Salt Lake City. This summary report is based on rent and occupancy trends from 2000 to 2014. Findings...

the MHMSM Team 01 Jul 2014 Corporate Press Releases

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