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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

Gary Shilling Says Nothing Is Going to Save the Housing Market

Gary Shilling Says Nothing Is Going to Save the Housing Market

Whom should we believe in considering which way the housing market will go in 2015?  There are several articles that predict an increase in home sales because many lenders including FHA, and those offering loans backed by Fannie and Freddie, as well as conventional lenders have lowered down payments to 3% and 3-1/2%.  Even the […]...

27 Jan 2015

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Millennials Still Chasing That Suburban Dream/Nightmare

Millennials Still Chasing That Suburban Dream/Nightmare

Curbed.com asks “Where are the millennials at? And where do they want to be, with all that discretionary income of theirs?” Marketing professionals everywhere want to know if the anti-suburban sentiment in “the culture” these days has made an impact on these tweeters, these re-sharers, these snap-chatting web kidz....

27 Jan 2015

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Council to buy ‘modular’ homes to replace properties lost to right to buy

Council to buy ‘modular’ homes to replace properties lost to right to buy

Sandwell Council is to buy 41 sustainable ‘modular’ homes in Smethwick, England, to boost its housing stock and replace properties lost to the controversial right to buy scheme. Dash.com tells MHProNews that the homes are being built by Mar City Homes, Ltd, using a modular construction system, meaning they are made indoors in factory conditions [&#...

27 Jan 2015

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Return of the 3% Down Payment

It looks like loans backed by Fannie Mae and Freddie Mac will not be the only loans available with a 3% down payment. Marketwatch tells MHProNews that more lenders are lowering down-payment requirements, allowing borrowers to commit 3%, or even less, of a home’s purchase price to get a mortgage. Many lenders have been requiring […]...

26 Jan 2015

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U.S. Stocks Close Little Changed – NYSE, Nasdaq To Be Open Tuesday

U.S. Stocks Close Little Changed – NYSE, Nasdaq To Be Open Tuesday

MHCV stocks went up 3.48% today. Leaders in the stocks we track are: SKY 22.83%, CVCO 3.48%, LPX 3.16%, UFPI 3.07%, and SUI 2.63%. Although a state of emergency has been declared for New York City and New Jersey due to the expected record-settling blizzard, officials say that NYSE and Nasdaq will be open tomorrow. […]...

26 Jan 2015

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Canadian Modular Home Builder Brings New Ideas and New Life to the Industry

Canadian Modular Home Builder Brings New Ideas and New Life to the Industry

Factory-built homes roll down one modular home builder’s assembly line each week in a giant hive of activity fueled by more than 120 employees.  Once assembled, the homes are loaded onto flatbeds, trucked to their new locations, placed on footings and a foundation, and then, in a very short period of time, homebuyers have a […]...

26 Jan 2015

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U.S. Rents Keep Climbing, Preventing Many from Saving to Buy a Home

U.S. Rents Keep Climbing, Preventing Many from Saving to Buy a Home

Associated Press tells MHProNews that rental prices rose 3.3 percent in December compared with 12 months earlier, the real estate data firm Zillow announced on Friday, January 23. Although that increase is less than the recent appreciation in home values, a surge in rental costs in several of the hottest markets indicates that renters who […]...

26 Jan 2015

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Owner of Indiana MH Community Charged With Discrimination in Failure to Ren…

Owner of Indiana MH Community Charged With Discrimination in Failure to Rent to Bi-Racial Couple

On January 23, 2015, an Indiana manufactured housing community owner was charged on two counts of discrimination because of his refusal to rent a manufactured home to a racially-mixed couple. Jamal L. Smith, in his official capacity as the Executive Director of the Indiana Civil Rights Commission (ICRC), issued charges today on behalf of a...

26 Jan 2015

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Sunday Morning Recap – January 18, 2015 to January 24, 2015

Welcome back to those of you who attended the Louisville Manufactured Housing Show this week.  No doubt, you are still thinking about all the interesting people you met, new homes you viewed, and numerous ideas you learned at the show. Now, it’s time to put your feet up and read some of the stories in our […]...

25 Jan 2015

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2015 Louisville Manufactured Housing Show Initial Report

The final numbers are NOT yet in on the verified and refined totals for the 2015 Louisville Manufactured Housing Show.   But the flash report, linked here, indicates that the show grew once more in attendance. The mood was reported as upbeat, according to Midwest Manufactured Housing Federation (MMHF) executives and Chairman Ron Thomas Sr. ...

24 Jan 2015

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After 4-1/2 Years of Effort, Residents of a Montana MH Community Celebrate …

After 4-1/2 Years of Effort, Residents of a Montana MH Community Celebrate the Purchase of Their Community

Residents of Trailer Terrace, a manufactured home community 1.7 miles south of Great Falls, Montana, are celebrating the purchase of their community.  This has been a long time in coming, after many years of enduring unsafe water and sewer conditions. Residents of the 90-home property now own the 22-acre site and control the fate of […]...

23 Jan 2015

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Featured Articles and Reports - January 2015 Vol. 6 No. 4

Prev Next Page:

Could Your World Be Rocked?

Could Your World Be Rocked?

by Nadeen Green, JD When you want to sell your manufactured homes, do you hope that a potential purchaser will be able to secure a mortgage to be able to buy... Read more

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

WTF? OMG! This Case Made Me ROFLOL and Almost LMAO

WTF? OMG! This Case Made Me ROFLOL and Almost LMAO

by David Baker, JD When you see the acronym “WTF,” do you think of chewing gum? Probably not. Read more

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

A Template to Initiate Image Change for the Future of Affordable Quality Li…

A Template to Initiate Image Change for the Future of Affordable Quality Living

by Steven Lefler The term often heard in business is “The Customer is King.” When people demand change from the existing “status quo” product they purchase, often the folks who need... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Introducing Sandra Lane, with Manufactured Housing's Daily Business News

Introducing Sandra Lane, with Manufactured Housing's Daily Business News

by L. A. “Tony” Kovach Sandra Lane is a fourth-generation Texan who has spent most of her life in the Dallas-Fort Worth area. A couple of years ago, she responded to... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Background to MHI’s last Manufactured Housing Image Campaign

Background to MHI’s last Manufactured Housing Image Campaign

by John Evans This idea of a manufactured housing (MH) image campaign is not new, nor was it new in 2006.  After several years with MHI, Jerry Connors decided to leave. Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Sickness

Sickness

by Bob Vahsholtz,  People get sick. Sometimes they recover; sometimes not. Eventually, they die. Companies are similar, as are nations. Industries can also get sick. Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Selling More Homes - Why I'm Making the Winter Trip to the Louisville Manu…

Selling More Homes -  Why I'm Making the Winter Trip to the Louisville Manufactured Housing Show

by Dwayne Somerville In our part of Texas, the winters are mild. By comparison, Louisville KY last January sounds like it was an ice cube! So why should we go to... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

A Cup of Coffee with…Gary P. McDaniel

A Cup of Coffee with…Gary P. McDaniel

1) Who, What and Where: (Your name and your formal title at Yes! Communities/ BaseCamp Capital). A). Gary McDaniel, CEO Yes Communities, Inc, Senior Managing Partner Base/Camp Capital . Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

The Road to Success in 2015

The Road to Success in 2015

by Dennis Hill Let's begin with a modern infographic style bullet points, sharing the first 5 reasons you should be in Louisville the minute the show opens on January 21. Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

What Is All The Fuss About Subpart I? Here is The Story

What Is All The Fuss About Subpart I? Here is The Story

by Ron D'Ambra As all serious manufactured housing pros know, back in 1976, the Federal Government issued a standard set of rules and regulations governing the manufacturing, sales and service for... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

A Few Good Men (and Women)...It's About Time

A Few Good Men (and Women)...It's About Time

by L. A. 'Tony' Kovach A survey of outlooks by MH Pros brings a wide variety of viewpoints. Some think we are a dying industry, and may not know it. Others... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Manufactured Housing Errata

Manufactured Housing Errata

by L. A. "Tony" Kovach To be a credible voice in and for Manufactured Housing, one must be willing to make corrections. Those corrections include correcting our own errors. Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Ocwen and the Golden Rule Lessons that Paid off for Clayton Homes

Ocwen and the Golden Rule Lessons that Paid off for Clayton Homes

by Sandra Lane In the early 2000s, when the manufactured housing industry went into a tailspin, Clayton Homes continued to be profitable. All HUD Code manufactured home builders downsized, many closed... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

What's ahead for Manufactured Housing Image in 2015?

What's ahead for Manufactured Housing Image in 2015?

by L. A. 'Tony' Kovach This will be a short and sweet survey of the more visible efforts underway to launch some level of PR or Image campaigns for the Manufactured... Read more

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Do you need to recharge your battery for 2015?

Do you need to recharge your battery for 2015?

by Tim Connor, CSP Few people can go a hundred miles an hour  – day after day after day – without a break of some kind. Read more

MANAGEMENT

Are you an Invalidator or Encourager

Are you an Invalidator or Encourager

by Tim Connor, CSP As a manager, one of your primary roles is to be an encourager.  Today, more than ever, employees need to feel worthwhile, validated and valued. Read more

MANAGEMENT

ZigOn Overcoming The Odds

ZigOn Overcoming The Odds

by Zig Ziglar His name is Gabriel Hjertstedt (YERT-stet) and he participated in the 1998 Masters Golf Tournament in Augusta, Georgia. Read more

PERSONAL REFLECTIONS, MOTIVATION and INSPIRATION

Upcoming Events

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MHLIVINGNEWS.COM FEATURED HOME OF THE WEEK

Classifieds

Press Releases

FREE Educational Seminars Are Scheduled …

FREE Educational Seminars Are Scheduled for the  2015 Tunica Manufactured Housing Show!

These seminars were a major HIT at the 2015 Louisville Manufactured Housing Show. MHPros from Coast to Coast and Canada came... ...they praised the practical information for their businesses. We expanded seminar room space 30%, and still filled it! Come see why... Wednesday March 25th, 2015 Wednesday 8:30 AM to 9:45 AM. Lisa Tyler from Walden University and other MH Experts will be speaking on reasons why Realtors ®, investors, MH veterans and other housing professionals should be joining the ranks of profitably advancing America's most affordable new home construction. Opportunities in Modern MH. This will be a fast paced panel presentation, with Q&A planned. Wednesday 10 AM – 11 AM. Super-Charged Marketing! Dominate your area with savvy Marketing! Learn how to sell more homes and how MHCs can fill more vacant sites. Attract more customers with cash and good credit....

the MHMSM Team 25 Jan 2015 Corporate Press Releases

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Bill Matchneer, Dick Jennison and Ron Th…

Bill Matchneer, Dick Jennison and Ron Thomas Sr. to address Louisville Show attendees

MHProNews  has confirmed that attorney Bill Matchneer, previously with HUD and the CFPB, will be addressing the attendees of the Louisville Manufactured Housing Show. So too will Richard "Dick" Jennison, MHI's current President and CEO. MH community and street retail Hall of Famer, Ron Thomas, Sr. - who is also the Midwest Manufactured Housing Federation (MMHF) Chairman - will speak on financing and MH growth related topics, rounding out what promises to be a faced paced opening hour to the seminars on Wednesday morning. The doors will open at 8:15 AM on Wednesday at the seminar room so MH Industry professionals can network with peers and colleagues. The session featuring these three industry leaders will begin at 8:45 AM sharp. They will be introduced by one or more of the executive...

the MHMSM Team 12 Jan 2015 Corporate Press Releases

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Fairmont residents purchase community

Fairmont residents purchase community

Download pdf Fairmont residents purchase community

the MHMSM Team 11 Jan 2015 Corporate Press Releases

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Tunica manufactured home show 2015 updat…

Tunica manufactured home show 2015 update

Introducing… A Phoenix Rises Is widely considered the “premiere” show of the year… Is a unique show that totally sets it apart from all others… Is so distinctive that retailers will never see the same product at other shows… Is such an inclusive show for the south east region that it has appeal for virtually everyone who attends… Encompasses all levels of affordability, from HUD homes to spectacular system-built housing… One would have to be awfully shortsighted to fail to see that our show could present an enormous marketing opportunity. And one would have to look far and wide to find another event with the pizzazz, panache, and prestige of such a show. That’s because it doesn’t exist. But this one does. You already know it. It’s called The Tunica Manufactured Housing Show. This show possesses every one...

the MHMSM Team 11 Jan 2015 Corporate Press Releases

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2015 Louisville Manufactured Housing Sho…

2015 Louisville Manufactured Housing Show New-Year Updates!

If you are a manufactured housing pro, you can't do better than starting 2015 out right by attending all 2 ½ days of the Louisville Manufactured Housing Show! Here is the brochure link with the latest updates. The full brochure can be downloaded from this link here. See you in Louisville! ##

the MHMSM Team 02 Jan 2015 Corporate Press Releases

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Gala New Years Eve Celebration to Benefi…

Gala New Years Eve Celebration to Benefit RV/MH Hall of Fame

ELKHART, Ind., -- Jeff White, vice president of operations for the RV/MH Hall of Fame and the Northern Indiana Event Center, invites everyone to celebrate the new year at a festive 2014 New Years Eve Celebration at the Northern Indiana Event Center in Elkhart onWednesday, December 31. The upscale casual party begins at 7:30 p.m., with live dance music performed by the popular local band, Mulligan's Island.  A DJ, photo booth and a the live broadcast from Times Square for the ball drop are also being provided by D&T Productions.. The bill of fare includes appetizers, an Italian-style buffet, dessert, late night snacks and a champagne toast at midnight, all prepared by locally owned Rulli's Italian Restaurant.  White said, "We'll even accommodate party-goers who have special dietary requests such as gluten free, vegetarian or other...

the MHMSM Team 16 Dec 2014 Corporate Press Releases

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