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Action Needed -- Urge Representatives to Co-Sponsor the

Preserving Access to Manufactured Housing Finance Act (H.R. 3849)

This morning an MHI Action Alert was emailed to members urging each one to contact their U.S. Representatives and urge them to co-sponsor H.R. 3849 (Preserving Access to Manufactured Housing Act).

BACKGROUND:

On January 31st, Reps. Stephen Fincher (R-TN), Joe Donnelly (D-IN) and Gary Miller (R-CA) introduced the Preserving Access to Manufactured Housing Act (H.R. 3849) to reduce regulatory burdens that impede access to affordable manufactured housing financing. The bipartisan bill addresses two significant issues impacting consumers’ ability to obtain mortgage financing for manufactured homes:

Reducing the threshold by which small balance manufactured home personal property loans are considered High-Cost Mortgage Loans under provisions within the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203) which will thereby reduce the number of loans subject to punitive and onerous liabilities.

Clarifying that those selling manufactured homes—who are not fundamentally engaged in the business of originating mortgage loans—are not to be defined as mortgage originators under the federal SAFE Act which will thereby ensure they are better able to provide adequate technical assistance to consumers throughout the manufactured home buying process (similar to the SAFE Act treatment of real estate brokers).

The bill would amend these laws to minimize growing disincentives to serving the financing needs of low- and moderate-income manufactured home buyers. Often, it is these very consumers that are in greatest need of access to both affordable housing financing and technical assistance in the manufactured home buying process. Without revision, there would remain the very real unintended consequence of eliminating access to sustainable manufactured housing for millions of families. For more information, click here to view MHI’s issue brief.

ACTION NEEDED:

MHI is working to add as many co-sponsors to the bill as quickly as possible. The Consumer Financial Protection Bureau (CFPB) must have regulations for housing finance in final form by January 2013. This is also the same time the CFPB expects to begin fully monitoring and enforcing state SAFE Act laws.

The more co-sponsors to the bill, the stronger argument MHI can make to leaders of the House Financial Services Committee to move the bill quickly. In addition, the greater the level of bipartisan support the less controversial the measure will be perceived, which will allow for swifter action.

Assistance is needed from the entire manufactured housing industry to contact Members of Congress, and specifically request the following actions:

Contact your U.S. Representatives and urge them to co-sponsor H.R. 3849 (Preserving Access to Manufactured Housing Act). To co-sponsor, a company representative should contact Jim Hall in Rep. Stephen Fincher’s office at 202.225.4714 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it or Alissa Stamm in the office of Rep. Joe Donnelly at 202.225.3915 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

For more information, click here to view MHI’s issue brief, which includes a sample letter, talking points and background information. To find your U.S. Representative using your zip code, visit www.house.gov/. Please relay any commitments you receive from Representatives to co-sponsor HR 3849 to MHI staff. MHI can then follow up on these commitments in Washington, DC.

If you have Representatives that serve on the House Financial Services Committee (http://financialservices.house.gov/About/Members.htm), please reach out to them and urge them to co-sponsor HR 3849. If you have a close connection or relationship with congressional staff or a Member of Congress, direct communication (phone or email) is the most effective means of communication.

If you are a manufactured home community owner, retailer, lender, etc., please consider urging your customers/residents to send their own letters requesting their U.S. Representative co-sponsor H.R. 3849. MHI staff can assist in drafting a personalized letter and alert to your customer base.

Manufactured Housing Scores with Media Coverage

Two recent media “hits” have given manufactured housing some much-deserved visibility. On Friday, March 16th, USA TODAY ran a letter to the editor from MHI responding to a particularly negative article attacking “mobile home safety” as a result of powerful tornadoes that struck Kentucky and Indiana earlier in the month. MHI President & CEO Dick Jennison took the opportunity to stress that tornadoes do not discriminate as to which form of housing they destroy and that the article gave people a false sense of security about tornadoes’ destructive force. Jennison also stressed that no form of housing provides an absolute guarantee of safety during a tornado and what every family needs to know is that the only safe place to be during a tornado is in a proper shelter, preferably below ground. A copy of USA TODAY’s letter is available by clicking here.

The second media coverage was a very positive article in the March 20th issue of The Wall Street Journal entitled “Manufactured Housing Under Renovation” which pointed out the tremendous strides being made by the manufactured housing industry, both in terms of the quality of the homes and the growing appeal of our homes to more and more Americans looking for housing value. The article, written by Dawn Wotapka and A.D. Pruitt, provides a realistic and positive portrayal of our homes, our buyers and our industry’s future. Click here to view the article. Take this article to your local newspaper and encourage them to follow up on the storyline of how manufactured homes are meeting the need for quality housing in your area that people can afford.

MHI and Skyline Corporation Hosts Plant Tour for Housing Economists and Analysts with the U.S. Commerce Department and HUD

Representatives from the U.S. Department of Commerce and Housing and Urban Development were the guests of Skyline Corporation for a tour of a manufacturing facility and home display center in Pennsylvania this week.

During the hour long walk through Skyline's 170,000 square foot facility, the group observed several lines of manufactured homes and recreational park trailers in various stages of production. Although none were in production at the time, the facility also produces modular homes.

The group heard from Skyline’s Division General Manager, Mike Scheid and Division Sales Manager, Bryan Lehman about the production process, the history of Skyline, and several of Skyline’s production and sales initiatives that have enabled the company to stay competitive and meet the growing consumer demand for quality, value, and innovation. Mary Gaiski, Executive Director of the Pennsylvania Manufactured Housing Association, and MHI staff were on hand to answer questions and address several federal, state and local regulatory challenges facing the industry.

The tour was extremely helpful for staff at the Commerce Department’s Bureau of the Census who manage and produce several surveys, reports and data specifically about the manufactured housing industry. Links to these resources are below. The Census Bureau will be exhibiting at the Congress & Expo in Las Vegas for those who wish to learn more about the tools and resources it offers.

U.S. Census Bureau Manufactured Homes Survey

U.S. Census Bureau American Housing Survey

U.S. Census Bureau Residential Housing Survey

MHI/NCC Seeking Reform of EPA’s LRRP Rule

Senator Jim Inhofe (R-OK), Ranking Member of the Senate Committee on Environment & Public Works, has introduced the Lead Exposure Reduction Amendments Act of 2012 (S. 2148) making practical reforms to the EPA’s Lead Renovation, Repair and Painting (LRRP) rule. EPA’s final LRRP rule, which took effect on April 22, 2010, requires remodeling and renovation firms that perform work on pre-1978 housing and child-occupied facilities to be EPA certified and follow rigorous, costly work practices supervised by an EPA-certified renovator when painted surfaces will be disturbed. On July 6, 2010, EPA removed the "Opt-Out” provision from the rule which allowed homeowners without children under six or pregnant women residing in the home to allow their contractor to forego the use of lead-safe work practices. By removing the opt-out provision, EPA more than doubled the number of homes subject to the LRRP Rule to 78 million. EPA has also begun the process of extending the LRRP Rule to commercial and public buildings through an advance notice of proposed rulemaking.

There are several compliance issues associated with the EPA lead-based paint rule, the most problematic being EPA’s failure to recognize an accurate lead test kit. There is no current test kit available that meets EPA’s own requirements. Compliance with the EPA’s LRRP rule would be particularly impactful for a manufactured housing community owner of an older community (pre 1978) who is seeking to renovate buildings within the community.

MHI/NCC has joined with other associations representing builders, contractors, remodelers, manufacturers, retailers, building owners, and real estate professionals in seeking reform of the EPA’s LRRP rule to make compliance requirements more reasonable and less burdensome. The coalition strongly supports the “Lead Exposure Reduction Amendments Act of 2012” (S. 2148). S. 2148 would make the following changes to the LRRP rule:

• Restore the “Opt-Out” provision;

• Suspend the LRRP if EPA cannot approve one or more test kits that meet the regulation’s requirements;

• Prohibit EPA from expanding the LRRP to commercial and public buildings until EPA conducts a study demonstrating the need for such an action;

• Provide a de minimis exemption for first-time paperwork non-compliance by certified contractors; and

• Provide an exemption for renovations after a natural disaster.

MHI/NCC will continue to monitor this issue and work closely with its coalition partners in building support for S. 2148.

ADA Pool Standards

On Thursday, March 15th the Department of Justice issued an extension of the date for compliance with the 2010 Americans with Disabilities Act (ADA) Standards for Accessible Design as it relates to the provision of accessible entry and exit to existing swimming pools, wading pools, and spas. The new effective date is May 21, 2012. On the same day, the Justice Department released a Notice of Proposed Rulemaking (NPRM) seeking public comment on whether a 180-day extension of the deadline (until September 17, 2012) would be more appropriate to allow pool owners and operators to meet their compliance obligations.

In general, and for purposes of compliance, the definition of “public accommodations” would apply to buildings and/or facilities that are open to the public and affect commerce. As such, swimming pools in manufactured housing communities that are for the exclusive use of the residents do not generally fit the category of “public accommodations.” If, however, a manufactured housing community pool is open to the public (non-residents), then compliance with the new ADA pool accessibility guidelines would be necessary.

Comments on the NPRM will be accepted for 15 days after publication in the Federal Register or April 4, 2012.

• Notice of 60 day extension & Notice of Proposed Rulemaking from ADA Web site - www.ada.gov/regs2010/ADAregs2010.htm

• Submit comments to DOJ electronically by April 4, 2012 - www.regulations.gov/#!documentDetail;D=DOJ-CRT-2012-0006-0001

• Guidance on revised ADA requirements: Accessible Pools from ADA

Web site - www.ada.gov/pools_2010.htm

A new technical assistance document, “Accessible Pools -- Means of Entry and Exit,” has been added to the ADA’s website and is now available to the public. People interested in finding out more about the ADA can access the ADA website at www.ADA.gov or call the toll-free ADA Information Line at 800-514-0301 or 800-514-0383 (TTY).


Daily Business News Briefs

UMH Properties Declares Stock Dividend

UMH Properties Declares Stock Dividend

Freehold, New Jersey-based UMH Properties, Inc. (NYSE:UMH) has declared a quarterly dividend of $0.18 a share payable on Dec. 15, 2014 to stockholders on record as of Nov. 17, 2014. The dividend represents $0.72 on an annual basis, and a yield of 7.65 percent, according to watchlistnews.com. UMH closed down -0.11 at $9.49 in trading, […]...

02 Oct 2014

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Control Shares Statute may Protect Skyline from Cavco

Control Shares Statute may Protect Skyline from Cavco

Following a story MHProNews has posted recently regarding Cavco Industries, Inc.’s attempt to acquire competitor Elkhart, Indiana-based Skyline Corporation, Indiana’s Control Shares Acquisition Statute makes a hostile takeover difficult. However, if the raider can persuade a majority of non-interested shareholders (meaning everyone...

02 Oct 2014

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Skyline Founder Art Decio Donates Movie Equipment to Boyhood Gym

Skyline Founder Art Decio Donates Movie Equipment to Boyhood Gym

While Skyline Corp. of Elkhart, Indiana is determining what suitor, if any, will acquire all or part of the company, founder Art Decio has agreed to donate $20,000 for high definition movie equipment for the Roosevelt Center gymnasium in Elkhart, where he and Mayor Dick Moore played basketball some 60 years ago. The nonprofit group […]...

01 Oct 2014

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Dow Plunges, MH Composite Advances, Skyline Falls Back

Dow Plunges, MH Composite Advances, Skyline Falls Back

The fear among investors may have hit a fever pitch because of ebola, ISIS, Europe’s economy, or protests in Hong Kong, as more stocks have hit 52-week lows as opposed to 52-week highs. It may be the “correction” that some analysts and pundits have bandied about recently. As CNNMoney informs MHProNews, investors are fleeing stocks […]...

01 Oct 2014

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Dates Set for Louisville Manufactured Housing Show

Dates Set for Louisville Manufactured Housing Show

The 2015 Louisville Manufactured Housing Show will be held Wed., January 21 through Friday January 23 at the Kentucky Exposition Center near the Louisville Airport. The show has grown each year recently in attendance, number of exhibitors and number of manufactured homes on display, providing a marketplace for builders, developers, retailers,...

01 Oct 2014

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RV/MH Hall of Fame Nominations due this Month

RV/MH Hall of Fame Nominations due this Month

The RV/MH Hall of Fame has issued a reminder that the deadline for nominations for inductees into the Class of 2015 will end Oct. 31, with selections made in Jan. 2015. Nominees must have 25 years experience in any segment of the manufactured housing or recreational vehicle industry in order to be considered for inclusion, […]...

01 Oct 2014

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North Carolina’s Deltec Sites First Net-Zero Home

North Carolina’s Deltec Sites First Net-Zero Home

The Renew Collection of Deltec Homes of Asheville, North Carolina offers homes with net-zero level of efficiency, reducing energy consumption by two-thirds compared to a traditional site-built home, according to sbcmag.info. Featuring double-stud walls, solar panels, triple-paned windows, exterior insulation and fresh air ventilation, their first...

01 Oct 2014

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Japanese Modular Homes Standardized but Warrantied for 20 Years

Japanese Modular Homes Standardized but Warrantied for 20 Years

An architect from Australia visiting modular home manufacturers in Japan notes the factories are similar to automobile assembly lines with many robots, houses moving along assembly lines and technicians doing the jobs the robots cannot. Mathew Aitchison from the University of Queensland says he visited four different companies making modular...

01 Oct 2014

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Pending Home Sales Slip a Percent

Pending Home Sales Slip a Percent

According to the National Association of Realtors (NAR), the Pending Homes Sales Index (PHSI) slipped 1.0 percent in August to 104.7 from 105.8 in July, and is now below the August 2013 reading of 107.1. Regardless of the slight decline, as the worldpropertychannel.com reports,the index remains above 100 (an average level of contract activity) and...

01 Oct 2014

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RV/MH Hall of Fame Kicks off New Fundraiser Challenge

RV/MH Hall of Fame Kicks off New Fundraiser Challenge

During the Manufactured Housing Institute’s (MHI) 78th annual meeting, Darryl Searer, chairman and president of the RV/MH Hall of Fame and Barry Cole, president of MH Insurance Services and past chairman of the Hall, urged assistance from the attendees to help retire the Hall’s debt, which has resulted from prior unfulfilled pledges....

30 Sep 2014

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Skyline Responds to Cavco’s Letter

Skyline Responds to Cavco’s Letter

In response to Cavco Industries, Inc. attempt to acquire Skyline Corporation following Skyline’s announcement it will spin off its RV division to Evergreen Recreational Vehicles, LLC, as MHProNews reported Sept. 29, cnnmoney.com reports the company’s board of directors issued a statement: “Our Board has established a special committee t...

30 Sep 2014

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Featured Articles and Reports - October 2014 Vol. 6 No. 1

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Green Home Marketing is a Challenge

Green Home Marketing is a Challenge

by Steven Lefler I do not know about you, but I find marketing green homes to be a challenge. The public reads or watches TV shows about these unique homes and... Read more

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An analysis of Norm Schultz - We need the horsepower of the RV industry

An analysis of Norm Schultz - We need the horsepower of the RV industry

by L. A. “Tony” Kovach One of our industry friends sent in the article that follows below, with this single line message above their signature/contact info: “Everyone thinks an image campaign... Read more

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Get Business Exposure With Facebook Ads for Cheap

Get Business Exposure With Facebook Ads for Cheap

facebook adsIf you are like most business owners, you're constantly on the lookout for effective, low-cost ways to get maximum exposure for your business. Whether you are look for more... Read more

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What does it take to Change Minds?

What does it take to Change Minds?

by L. A. “Tony” Kovach The headline is a question every manufactured housing (MH) professional worth her or his salt should ask regularly! How does one change a mind? Why is this... Read more

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Why the “ICE BUCKET CHALLENGE” Wasn’t ‘Trademarked’

Why the “ICE BUCKET CHALLENGE” Wasn’t ‘Trademarked’

by David Baker, JD Have you taken the ALS “Ice Bucket Challenge”? If not, you may be one of the few Americans left who wasn’t caught up in the remarkably successful... Read more

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

“Hello, this call is a …”

“Hello, this call is a …”

by Nadeen Green, JD What? A sales pitch? A political robo-call? Somebody calling to ask you to donate money (again!)? A TDD call? Say what? A TDD call? What is that? Read more

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

A Doctoral Dissertation on Manufactured Housing and why it matters to the I…

A Doctoral Dissertation on Manufactured Housing and why it matters to the Industry

by Lisa Tyler The doctorate journey is a cycle of processes that is often misunderstood. The designation of “doctoral candidate” signifies the completion of post-graduate coursework and focus on completing the... Read more

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News of the New

News of the New

by Bob Vahsholtz New fangled news media can befuddle old timers like me, but fresh, crisp and honest? Wow, what’s not to like! I’m spending more time on Tony’s sites than... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Manufactured Housing Industry - Phoenix Rising!

Manufactured Housing Industry - Phoenix Rising!

by Dennis Hill You don't have to look far for signs that manufactured housing (MH) is continuing the recovery since hitting bottom in 2009. I recall Ron Thomas, Sr. saying that... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

The Manufactured Housing Institute (MHI) Holds their 78th Annual Meeting

The Manufactured Housing Institute (MHI) Holds their 78th Annual Meeting

by MHI Staff MHI held its 78th Annual Meeting in Scottsdale, Arizona with 143 members and guests in attendance.  The event was on September 14-16th, at the Westin Kierland Resort & Spa,... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Manufactured Housing Professionals News – MHProNews - 5th Anniversary Cele…

Manufactured Housing Professionals News – MHProNews - 5th Anniversary  Celebration, Kudos and Quotable Quotes!

by Manufactured Housing Industry Leaders Thousands of manufactured and modular home professionals recall the days of the MH Merchandiser and other now defunct trade magazines; but thousands more have never known... Read more

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Quotes from Manufactured Housing Industry Leaders and A Cup of Coffee with.…

Quotes from Manufactured Housing Industry Leaders and A Cup of Coffee with...

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Marty Lavin's Comparison – The Merchandiser Magazine vs. MHProNews

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by Marty Lavin, JD Editor's Note: For those who know Marty Lavin, you know the man has a long, storied and successful career in manufactured housing retail, finance and communities. Marty's... Read more

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Remember - It all started with a Mouse!

Remember - It all started with a Mouse!

by L. A. “Tony” Kovach “I only hope that we never lose sight of one thing — that it was all started by a mouse.” - Walt Disney. Disney's legendary creativity and vision lead him to do... Read more

MANAGEMENT

The best day of your life

The best day of your life

by Tim Connor, CSP Too often we get stuck in the negatives in life and fail to remember those special days, events or weeks and even years that bring a smile... Read more

PERSONAL REFLECTIONS, MOTIVATION and INSPIRATION

ZigOn Cheating

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by Zig Ziglar With schools welcoming children back from the summer break, the following message is particularly timely. The good news is that whatever we have learned we can also unlearn... Read more

PERSONAL REFLECTIONS, MOTIVATION and INSPIRATION

An Alternate Approach to The High Cost Of Low Volume Sales, or Why Doing M…

An Alternate Approach to The High Cost Of Low Volume Sales, or  Why Doing Manufactured Housing Correctly Pays

by Ron D'Ambra After reading Tony's article on this subject, I was prompted to recall my retail experience, which would forever change my attitude towards a "retailer," and his or her... Read more

SALES

Upcoming Events

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MHLIVINGNEWS.COM FEATURED HOME OF THE WEEK

Classifieds

Press Releases

2015 Louisville Manufactured Housing Sho…

2015 Louisville Manufactured Housing Show is filling up fast and early!

Attendees, mark your calanders now, pre-registration will open on October 1, 2014. Exhibitors, Reserve your space now.  See download linked here.

the MHMSM Team 02 Sep 2014 Corporate Press Releases

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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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