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mhi logoMHI News

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

Manufactured Home Community Closing, Set to be Sold

Manufactured Home Community Closing, Set to be Sold

News from KWQC TV6 in Davenport, Iowa informs MHProNews that residents of Lake Canyada manufactured home community (MHC) near Davenport were scheduled to vacate the community by 11:59 PM July 1, and while many had already left, Phillip Hicks, a resident of 28 years, and his wife, Linda, were still hoping for a miracle. Many […]...

04 Aug 2015

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Louisiana Pacific Gains Most in Two Consecutive Trading Days

Louisiana Pacific Gains Most in Two Consecutive Trading Days

In the news from CNNMoney: 3,500 oilfield workers in Williston, North Dakota have been laid off as oil prices drop. China runs four of the world’s largest five banks. CVS stopped tobacco selling and general merchandise sales fell nearly eight percent, same store basis. Ford uses over 31,000 soy beans in each car, replacing petroleum […]...

04 Aug 2015

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Drew Sales Gained in Q2 2015 over Same Period 2014

Drew Sales Gained in Q2 2015 over Same Period 2014

For the second quarter 2015, sales at Drew Industries, Inc. (NYSE:DW) gained 13 percent over Q2 2014 to $362 million, one million over the first quarter to set a record, producing net income of $20.9 and earnings per share of $0.85, although short of consensus expectations of $0.93 per share. Investors had also hoped for […]...

04 Aug 2015

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Nigeria Using Modular Methods to Construct Inexpensive Housing

Nigeria Using Modular Methods to Construct Inexpensive Housing

MHProNews has learned from thisdaylive that Alpha Mead Development Company (AMDC) has announced its plans to lower the entry level for middle income home buyers in Nigeria, using a modular building system. AMDC is one of the Strategic Business Units of Facilities Management Company, Alpha Mead Facilities & Management Services Ltd...

04 Aug 2015

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Modular Container Home built Inexpensively

Modular Container Home built Inexpensively

A couple in Costa Rica wanted to build a home inexpensively on their land outside San Jose, the capitol, and hired architect Benjamin Garcia Saxe, who transformed two 40-foot shipping containers into a 1,075 square-foot modular home for $40,000. Named Containers of Hope, Saxe stated, “The key factor was cost, which allowed them to take […]...

04 Aug 2015

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Virginia Manufactured Home Shipments similar to 2014

Virginia Manufactured Home Shipments similar to 2014

MHProNews has learned from the Virginia Manufactured and Modular Housing Association (VAMMHA) the state statistics for manufactured home (MH) shipments for June 2015 were comparable for June 2014. Last year, VA had 88 MH shipments—38 single-section, 50 multi-section—for a total of 139 floors versus 88 MH shipments this June—40 single-section, 48 mu...

03 Aug 2015

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Deer Valley Plummets; MHCV Slips to 974.2

Deer Valley Plummets; MHCV Slips to 974.2

In the news from CNNMoney: President Obama’s climate control proposal drags down energy stocks. Puerto Rico is in default. Greek bank shares drop 30 percent as markets re-open. United Nations reports marijuana use is on the rise in U. S. Half of Americans are saving 5% or less of their income, including 18% that are […]...

03 Aug 2015

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Manufactured Home Numbers Remain Stable in North Carolina County

Manufactured Home Numbers Remain Stable in North Carolina County

In response to a question posed by a reader of citizen-times in Asheville, North Carolina, MHProNews has learned Buncombe County, the county seat where Asheville is located, has 20,681 manufactured homes with a tax value of $476.7 million. Writer John Boyle said the number has not changed much from 2004 when, according to the Buncombe […]...

03 Aug 2015

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Florida Realtor expects Baby Boomers will Drive Manufactured Home Sales

Florida Realtor expects Baby Boomers will Drive Manufactured Home Sales

Port Orange, Florida’s Triangle Realty has managed to survive nearly 30 years of the economy’s up and downs by diversification. Owner Bob Marandino deals in manufactured homes (MH), residential sales and condos and property management, according to news-journalonline. “When one area is down another is up. We’ve been successful and str...

03 Aug 2015

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House Measure would Replace older Manufactured Homes with New Ones

House Measure would Replace older Manufactured Homes with New Ones

Representative Keith Ellison (D-MN) introduced H. R. 3275 on July 29, 2015 to authorize the Secretary of Housing and Urban Development (HUD) to issue funding to owners of manufactured homes for the replacement of those homes with Energy Star-rated manufactured or modular homes, as MHProNews has learned from popvox. According to wikipedia commons,...

03 Aug 2015

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Sunday Morning Recap-Manufactured Housing Industry News July 26-Aug. 2, 201…

What’s New in public focused Manufactured HomeLivingNews.com Art Linkletter and Manufactured Housing today Maintaining Quality and Strength While Saving Homebuyers Money – Inside MH Video with Mike Stone, part 2 What’s New in Manufactured Housing Industry Professional News Texas city lifts ban on MH after show of strength by industry pros. Ta...

02 Aug 2015

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Featured Articles and Reports - August 2015 Vol. 6 No. 11

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Piketty Vs. Rognlie: Land Use Restrictions Inflate Housing Values, Drive We…

Piketty Vs. Rognlie: Land Use Restrictions Inflate Housing Values, Drive Wealth Concentration

by Chuck DeVore Thomas Piketty in “Capital in the Twenty-First Century” frets that wealth inequality will grow because capital’s share of income will grow faster than the economy. Thus, the “1... NSP_READMORE

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

Doctor, lawyer…Indian Chief? Does a Community, Company, Product or Service…

Doctor, lawyer…Indian Chief?  Does a Community, Company, Product or Service Name Create Risks?

by Nadeen Green, JD In my role as Senior Counsel with For Rent Media Solutions™ I actually have more job responsibilities than my (favorite!) role as “Fair Housing Lady. NSP_READMORE

COMMUNITY MANAGEMENT & FAIR HOUSING (LEGAL)

Experience and Innovation - Our Industry Needs Both!

Experience and Innovation - Our Industry Needs Both!

by Tom Fath The MH Industry was originally built by entrepreneurs with a dream. NSP_READMORE

GENERAL MANUFACTURED HOUSING INDUSTRY TOPICS

Texas Town Reverses Decision, Votes to Allow Manufactured Housing

Texas Town Reverses Decision, Votes to Allow Manufactured Housing

by Matthew Silver In a July 9, 2015, MHProNewsDaily Business News (DBN) post, the city council of Huntsville, Texas was set to prohibit manufactured homes (MH) from being sited within the city... NSP_READMORE

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Questionable FEMA “Request For Information” Regarding Standardization Of Ma…

Questionable FEMA “Request For Information” Regarding Standardization Of Manufactured Housing Floor Plan Designs

by M. Mark Weiss, JD Attached for your information and review is a copy of a self-explanatory MHARR communication to Federal Emergency Management Agency (FEMA) Administrator W. Craig Fugate regarding a FEMA “Request... NSP_READMORE

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Manufactured Homes + Communities – “An Incredible Message” – Inside MH Vide…

Manufactured Homes + Communities – “An Incredible Message” – Inside MH Video with John Caron

by L. A. “Tony” Kovach We'll let John Caron - whom we interviewed for this episode of Inside MH – tell you about his significant history in manufactured housing, MH Communities... NSP_READMORE

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How to Track Your Online Reputation

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by Wayne Coakley Misinformation and rumors about your MH business can dominate search engine results. NSP_READMORE

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New Manufactured Home Charity Launched

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by Katie Hauck MHGives, the new manufactured housing industry charity, is designed to bring together people with business skills and expertise to make a difference in the lives of children around... NSP_READMORE

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Manufactured Housing and Achieving Net Zero

Manufactured Housing and Achieving Net Zero

by Steven Lefler Since 2010, Modular Lifestyles has been seeking to build and prove that affordable manufactured homes can reach "Net Zero" quicker than site-built homes in CA. One of our... NSP_READMORE

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The Lights Are On, But You're Not Home?!?

The Lights Are On, But You're Not Home?!?

by Ron D'Ambra When I first started in code enforcement for our industry, I was handed a desk copy of the "Manufactured Home Construction and Safety Standards,” known as Part 3280,... NSP_READMORE

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New and Updated Websites for Manufactured Housing – 4 Ways to Make them Pay

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by Soheyla Kovach Besides everything else that we do, we've been building two of the most popular websites in all of manufactured housing. NSP_READMORE

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Another Cup of Coffee with... – MH Industry Leaders Exclusive Interviews

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Are you having A Cup of Coffee with… withdrawals this summer? Every month, there are THOUSANDS of hits on the exclusive interviews revisited below! NSP_READMORE

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It's All About Happy Customers, Experts and You!

It's All About Happy Customers, Experts and You!

by L. A. 'Tony' Kovach If we had to summarize in a sentence a guiding principle of the Inside MH Road Show, it could start with the headline to this article. NSP_READMORE

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Do you have any “Emotional Deadwood” hiding out in your organization?

Do you have any “Emotional Deadwood”  hiding out in your organization?

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MANAGEMENT

3 Weekly Wisdom Tips for a better life

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by Tim Connor, CSP Each week I share three simple truths that can help you live with faith, courage, integrity, peace, purpose and success. NSP_READMORE

PERSONAL REFLECTIONS, MOTIVATION and INSPIRATION

Upcoming Events

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MHLIVINGNEWS.COM FEATURED HOME OF THE WEEK

Classifieds

Press Releases

CU Factory Built Lending and the new HPM…

CU Factory Built Lending and the new HPML Appraisal Rule for Manufactured Housing

Directed by the upcoming changes in the HPML Appraisal Rule effective July 18th, 2015 and driven to minimize its impact on both our business partners and consumers, CU Factory Built Lending (CUFBL) has developed our approach to compliantly reconciling manufactured home loans under the new HPML Appraisal Rule.  Our plan’s key components are: Non-Qualified Mortgages (non-QM’s) Flexible Valuation Options Business Partner and consumer friendly Compliant   Non-Qualified Mortgages CUFBL, in support of the industry and our members, has chosen to continue to offer non-QM loans. If you recall, Qualified Mortgages (QM’s) are more restrictive in the debt ratio allowed, in the amount of points and fees allowed to be charged, may have more stringent length of employment and income verification guidelines, and documentation requirements for the consumer. We feel this approach to continue to offer non-QM loans...

the MHMSM Team 17 Jul 2015 Corporate Press Releases

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NADAguides New Manufactured Home Price T…

NADAguides New Manufactured Home Price Tool Will Comply With New HPML Appraisal Rule

· NADAguides New Manufactured Home Price Tool was developed to comply with the new Higher-Priced Mortgage Loans (HPML) Appraisal Rule effective July 18, 2015 · New Manufactured Home Price Tool provides an independent third party evaluation report that can be quickly and conveniently pulled and printed from any location · Allows access to new retail prices for new 2014 and 2015 manufacturer floor plans (both HUD and Modular-Coded), including a wide variety of factory-added options · This NADAguides price tool is currently being offered as a free trial of 100 price reports (retail value of $2,100) – offer expires July 17, 2015 NADAguides.com, the largest publisher of the most market-reflective pricing and information available for manufactured homes, announces its New Manufactured Home Price Tool, which has been developed to comply with the new Higher-Priced Mortgage Loans (HPML)...

the MHMSM Team 14 Jul 2015 Corporate Press Releases

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RV/MH Hall of Fame 2015 Induction Dinner…

RV/MH Hall of Fame 2015 Induction Dinner Reservations Outpace Last Year's Event

ELKHART, Ind. -- The RV/MH Hall of Fame's Induction Dinner Committee Chairman Mark Wasson (Bluelinx Corporation), reports reservations for the induction dinner honoring the Class of 2015 are running ahead of last year's reservations.  Wasson said, "As of early June 15th more than 153 friends and family of the inductees have registered which is ahead of last year's record pace of registrations." In addition to these reservations, Golf committee chairman Trey Miller is signing up foursomes for the 2015 RV/MH Hall of Fame Golf Classic.  So far 11 companies and individuals have signed on as sponsors for the dinner and golf, according to Darryl Searer, president, RV/MH Hall of Fame (Hall). This year's RV/MH Hall of Fame's annual Induction Dinner will be held on August 3, 2015, at the Hall of Fame's Event Center...

the MHMSM Team 16 Jun 2015 Corporate Press Releases

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RV/MH Museum Unveils Historic Shasta Exh…

RV/MH Museum Unveils Historic Shasta Exhibit

ELKHART, Ind. -- The RV/MH Hall of Fame and Museum's newest exhibit features a retrospective on the evolution of the iconic Shasta brand of travel trailers, according to Darryl Searer, president, RV/MH Hall of Fame (Hall).  The display includes a 1954 Shasta that's been in the museum's inventory for years and a 2015 reissue of a 1961 Shasta Airflyte 16sc, courtesy of Mick Ferkey, owner of Greeneway RV, Wisconsin Rapids, Wisconsin, and a member of the RV/MH Hall of Fame board of directors. While the reissue of a 1961 Shasta Airflyte 16sc has the look and style of the 1960s model, it is fully equipped with modern features and appliances, including a full bath. Searer noted, "Shasta has a rich heritage and is the industry's longest producer of RVs.  The brand has been...

the MHMSM Team 19 May 2015 Corporate Press Releases

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Dodd-Frank and Manufactured Home Financi…

Dodd-Frank and Manufactured Home Financing: The Place Where Good Intentions and Unintended Consequences Collide

"The path to home ownership lay before him, smooth and attainable as never before. All Eric Powell had to do was secure a small loan. He had a steady job, a decent credit score and a wife who happened to work for a bank: What could possibly go wrong?" WASHINGTON, D.C. -- The U.S. Senate Banking Committee will take up a measure that may determine whether millions of low- to moderate-income consumers will be able to buy or sell modestly priced homes. The Preserving Access to Manufactured Housing Act (HR 650 and S 682) addresses the unintended consequences of the Dodd-Frank Act, passed to protect consumers in the wake of the subprime mortgage crisis. According to former Congressman Barney Frank, the act's co-sponsor, Dodd-Frank was never intended to apply to manufactured housing. Yet the...

the MHMSM Team 19 May 2015 Corporate Press Releases

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10,000th home made secure and affordable…

10,000th home made secure and affordable through resident ownership movement

For Immediate Release May 1, 2015 Contact: Paul Bradley, President, ROC USA, LLC (603) 848-3254 CONCORD, N.H. — In less than seven years, ROC USA® has built on a proven strategy of resident ownership in New Hampshire manufactured home communities and scaled it across the country, transforming communities and building a network of 10,000 secure and affordable homes with partners in 14 states. ROC USA is a nonprofit social venture dedicated to making quality resident ownership of manufactured home communities (aka “mobile home parks”) possible nationwide. It works to provide democratic homeowner organizations with the opportunity, training and financing to purchase and manage their communities. Founding President Paul Bradley said ROC USA strengthens the local ownership of communities with the scaled resources and efficiencies of a national organization, coupled with the regional support of a...

the MHMSM Team 04 May 2015 Corporate Press Releases

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