Highlights Inside

Massachusetts
Housing
MASSACHUSETTS
MManufactured
ANUFACTURED H
OUSING Association,
ASSOCIATION Inc.
Messenger
©
MMHA
mmha
News & information published exclusively for the Manufactured
Housing Industry in Massachusetts!
Winter 2012
Fall 2012
Vol. 8
Vol. 1
Industry Opposing New Titling Proposal for 50 States
No.4
SPECIAL EDITION
As drafted this is a model law, including pre-HUD homes, which allows for converting homes to real
property, whether or not it is affixed to real property. Industry feels that various methods for conveying
and encumbering manufactured (HUD code homes) as personal property are well establish in virtually
all states. Attorney Marc Lifset, of McGlinchey Stafford LLC of Albany, NY is working with MHI on
this issue as well as other national committees.
MMHA Scholarship Fund
st
We
th are kicking off the scholarship program, the application deadline is April 1 . MMHA members
sponsor applicants, call 508-460-9523 for details. This year we will provide two small stipends of
$250 each.
The long
term goal
is to grow this
fundand
for the
future.
our How
scholarship
Travel
to Westport,
Harvard,
Stockbridge,
Lincoln,
Carlisle
all Think
in oneofday!
can weaccount
you ask?...
when
making company
donations
and/or at
as one
an “in
of” orMH
a memorial
gift”. in the Commonwealth.
this
is possible
as you tour
these homes
of honor
the largest
communities
Our upcoming Annual Meeting, is Thursday, October 25, at Oak Point in Middleboro. Plan to attend
MMHA
Votes
Recap
the
morningAnnual
session ofMeeting
manufactured
house
tours; business meeting; featured speakers; associates
In
addition
to
the
election
of
Officers
and
Directors,
three
votes were taken including to open memdisplays; key legal and legislative updates and networking
lunch.
bership to MH Cooperatives; to officially establish the scholarship program [with funds that remained
Following
lunch
a 2-hour
MH Installations,
with
Peter verHaynes
for our PAC]
andwill
to be
eliminate
theEducational
“Messenger”Module
printed on
newsletter
and offer this
as trainer
an electronic
ofsion.
NH If(separate
presented
in response
numerous
forMeeting
this type
of certificate
we don’tregistration),
have your email
we NEED
it now! Ato
special
thanksrequests
to Annual
sponsors
training.
Register&today!
form on
page.Residential. Our mid-year meeting is scheduled
Haylor, Freyer
Coon; Complete
DFM Insurance
andlast
Wyman
for June 21 – if you would like sponsorship information for upcoming meetings contact Mary
McBrady, MMHA Executive Director.
17 Annual Meeting - Calling All Members!
Keeping up with the News?
The Association
Major Change
at MHI has been sending out monthly e-blasts for the past three years. We
have 160 members and Associates who are kept up-to-date this way. If you do NOT
Thayer Long, Executive Director of MHI recently stepped down, following the 75th Annual meeting
receive these electronic news announcements, contact MMHA with your e-mail
of MHI. An extensive search is underway for his replacement, lead by MHI Chairman Joe Stegmayer,
address. Electronic communications allows us to forward important document files
Cavco CEO. Long led this industry through tough times and MMHA wishes him the best of luck with
and provides us the opportunity to share with you timely alerts and reminders.
his new challenge with the Associated Electrical Contractors Assn.
We don’t want you to miss out!
What’s New?
We welcomed Todd Simpson to our Annual Meeting, he is managing Hillcrest & the Glen [formerly
mmha
HTA Properties] now
owned by Equity
Lifestyle ProperHighlights
Inside
e
Highlights
Inside...
Serving the manufactured housing ties.
industry
Oak Point in Middleboro changed hands and is now
•Midyear Meeting Recap
Hometown Oak Point.
• Legislative
for
17 years,Update
committed to promoting called
the gen •MMHA Executive Director Message
eral
and growth of the manufactured
• Yearwelfare
In Review
your association
grow!
Recruit or spon •Registration
Form
housing
in Massachusetts Help
and be• Northeastindustry
Super Symposium
•New
website
for MH
Home
Owners
The
MMHA
will
only
grow
yond.
Please Dates
support your Association sor
and a new member.
• Key Meeting
•and much,
more!
our
if its members want
it to. much
What
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• Didassociate
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2
mmha
mmha
Box 73, Halifax, MA 02338 - 508-460-9523
Email: [email protected]
OFFICERS AND DIRECTORS
• DAVID PIPER, JR., President
Piper Property Management
75 Cranberry Road, Carver, MA 02330
508-866-3345 - Fax: 508-866-5822
[email protected]
• ARTHUR WYMAN, Vice President
High Pond Estates
10 High Pond Dr., Bridgewater, MA 02324
508-697-4441 - Fax: 508-697-8146
[email protected]
• MELISSA CARON, Treasurer
Oak Hill Mobile Home Park
1 Beech Street, Taunton, MA 02780
508-822-5075 - Fax: 508-823-2231
[email protected]
• JUNE JOHNSON, Secretary
Johnson Bayside Real Estate
401 Wareham Road, Marion, MA 02738
508-748-2234 - Fax: 508-748-6847
[email protected]
• DONALD M CARTHY,
c
Past President
DFM Insurance Agency, Inc.
Box 565, Falmouth, MA 02541
800-727-3048 - Fax: 508-540-9255
[email protected]
• PAT GAUDETTE, Director
Whispering Pines
1174 So. Washington St., N. Attleboro, MA 02760
508-699-4915 - Fax: 508-399-8747
[email protected]
• GARY MANYAK, Director
Priority Funding, LLC
292 Main St., Suite G1, Northboro, MA 01532
508-393-5511 - Fax: 508-393-4999
[email protected]
• LARRY HILL, Director
Morgan Management LLC
Morgan RV Park Mgt
63 Putnam St
Saratoga Springs, NY 12866
518-615-0552
[email protected]
• JUNE M. CUNNIFF, V.P., RPA A.W. Perry
Four Pond Park Rd., Hingham, MA 02043
781-740-1092 Fax: 781-749-7956
[email protected]
• JEFFREY W. HALLAHAN, II, Director
Garden Homes Estates, LLC
P.O. Box 606, East Wareham, MA 02538
508-295-5688 - Fax: 508-291-2239
[email protected]
• BRYAN LEHMAN, Director
Skyline Corporation
1-800-242-9199
P.O. 220, 99 Horseshoe, Leona, PA 17540
[email protected]
• NANCY FALLON, Director, MHC Delegate
Leisurewoods at Taunton (HTA)
50 Highland St., Taunton, MA 02780
508-824-2244 Fax: 312-205-1276
[email protected]
• JOANNE HAMBERG, Director
Property Keepers - Woodland MH Estates
54 Chase Road
Lunenburg, MA 01462
[email protected]
Executive Director:
MARY MCBRADY [email protected]
From the Desk of MMHA Executive
Director
From The Mary
Desk ofMcBrady
MMHA Executive
Although we discontinued the quarterly printed Messenger this year,
Director
Mary
McBrady
replacing
it with
electronic
communication, the MMHA Board of Di rectors
agreed to send this mailing feeling its important to share written communica for those who are either electronically challenged or for some reason we have
tion
missed in our e-mails.
Although we discontinued the quarterly printed Messenger this year, replacing it with electronic communication, the MMHA Board of Directors agreed to send this mailing This
past month I shared information on anti-money laundering reporting requirement
feeling its important to share written communication for those who are either and
template. Ken Rishel, writes a comprehensive monthly newsletter as Publisher of
electronically challenged or for some reason we have missed in our e-­‐mails. the Chattel Finance Newsletter, a noted MH consultant and trainer I’ve shared in my
e-mails
links to this news. His August newsletter, focused on LENDING OVERSIGHT,
This past month I shared information on anti-­‐money laundering reporting requirement penalties
and problems.
Multiple federal agencies have becomePinvolved;
and template. Ken Rishel, writes a comprehensive monthly newsletter as ublisher of for example,
the
PatriotFAct,
falls
under FBI/Treasury; Red Flag Rule and Safeguard under Federal
the Chattel inance Newsletter, a noted MH consultant and trainer I've shared in my e-­‐
mails links to this news. His August newsletter, focused on LENDING OVERSIGHT, Trade
Commission (FTC); Anti-Money Laundering (AML)
and
Financial Crimes (suspipenalties and problems. Multiple federal agencies have becoming involved; for cious
activities) under FinCen (new group a bureau under Dept of Treasury). State Asexample, the Patriot ct, falls under FBI/Treasury; Red Rule and Safeguard under sociation
Directors Aand
other interested parties,Flag participated
in a webinar/conference
Federal Trade Commission (FTC); Anti-­‐Money L
aundering (
AML) and Financial Crimes call to work through “does this mean me?” some templates
and questionnaires
have
(suspicious activities) under FinCen (new group a bureau under Dept of Treasury). State been developed by states with the disclaimer “this is not legal advice”. Within the last
Association Directors and other interested parties, participated in a 2webinar/conference call to work through “does weeks, Rishel sent an alert that State Banking
Supervisors in one state have begun
this mean me?” some templates and toquestionnaires have been developed by states with the disclaimer “this is not legal get involved in AML enforcement. This web of enforcers seems to be growing and
demands
our attention. www.rishel.net
advise”. Within the last 2 weeks, Rishel sent an alert that State Banking Supervisors in one state have begun to get involved in AML enforcement. This web of enforcers seems Mid-Year
Meeting Recap -In June, 65 members and guests attended the association
to be growing and demands our attention. www.rishel.net mid-year meeting at the Holiday Inn, Taunton. Highlights for the day included excelMid-­‐Year Meeting Recap -­‐In June, 65 members and guests attended the association lent
speakers;
sharing;
raffle prizes and Associates displays. Representative Shaunna
mid-­‐year meeting at the Holiday Inn, Taunton. Highlights for the day included excellent O’Connell
(R-Taunton-3rd Bristol district) gave a wonderful kickoff describing the Legspeakers; sharing; raffle prizes and Associates displays. Representative Shaunna islative
Process highlighting
bills we have filed on manufactured
housing. She invited
rd
O'Connell (R-­‐Taunton-­‐ 3
Bristol district) gave a wonderful kickoff describing the us to participate in the small business legislative caucus, a group she’s formed at the
Legislative Process highlighting bills we have filed on manufactured housing. She invited Statehouse,
we accepted. Andrew Shealy of the AG’s office provided a review of the
us to participate in the small business legislative caucus, a group she's formed at the basics
of
MH
law in the Commonwealth; and Ed Donnelly AAG discussed legislation
Statehouse, we accepted. Andrew Shealy of the AG's office provided a review of the and
respond
to
Q&A and members concerns
of H2117/S614
(AG’s bill).
basics of MH law in the Commonwealth; and Ed Donnelly AAG discussed legislation and respond to Q&A and members concerns of H2117/S614 (AG’s bill). Sarah Shave and Ralph Amadeo of ProGuard (Powderhorn Agency, CT) shared key
information
on
oil tank
Kelliher(Powderhorn of PriorityAFunding;
Sarah Shave and Rinsurance;
alph Amadeo Jack
of ProGuard gency, CT) Bob Capenos of
Haylor,
Freyer and Coon and Dave Piper, MMHA
President
in the afternoon panel
shared key information on oil tank insurance; Jack Kelliher of Priority Funding; Bob session
timely
information
on finance
lending,
riskin the management strategies
Capenos shared
of Haylor, Freyer and Coon and Dave Piper, and
MMHA President afternoon panel session shared timely information on finance and lending, risk related
to insurance and
installation questions, respectively. Rob Kraus Esq. MMHA
management strategies related to insurance and installation questions, respectively. Legislative Agent, discussed recent MH judgments. I presented “MH 101” PowerPoint
Rob Kraus Ein
sq. MMHAs’ Legislative Agent, discussed recent MH judgments. I presented slideshow,
the development stage, ultimately to be used with key decision-makers
“MH 101” PowerPoint slideshow, in the development stage, ultimately to be used with explaining key components, laws, oversight etc. of our industry.
key decision-­‐makers explaining key components, laws, oversight etc. of our industry. Some new attendees included two directors from South Meadow Village Cooperative,
Some new attendees included two directors from South Meadow Village Carver,
Laurie Rheault and Alan Hanson; Robert Ruais, of ARCAP /Rocky Knoll Estate,
Cooperative, Carver, Laurie Rheault and Alan Hanson; Robert Ruais, of ARCAP /Rocky Taunton;
Walter Raudonis,Raudonis, Baobab, LLC/In Town MH Park , Attleboro; Baobab, LLC/In Town MH Park , Attleboro; Linda Fobert,
Knoll Estate, Taunton; Walter Cape
Cod
Small
Property
Owners
(& Pocasset MH/mgr); Don
Linda Fobert, Cape Cod Small Property Owners (& Pocasset MH/mgr); Don Theriault,
Theriault, Hometown
America/Millers
Woods;
Fred
Taylor,
Hometown
America/Oak
Point;
Ralph Amadeo,
Hometown America/Millers Woods; Fred Taylor, Hometown America/Oak Point; Ralph &Amadeo, & Carrie Carrie Starnes Sof
ProGuard
/ Powderhorn Agency; Robb Ellis,
tarnes of ProGuard / Powderhorn Agency; Robb Ellis, CChris
hris Landry,and Joe
Landry,and Joe Brown, Roth Industries, Inc. Brown,
Roth Industries,
Inc.
st
Welcome new members and 1 time attendees!
Welcome new members and 1st time attendees!
3
STATE NEWS
MMHA Website
A redesigned association website was officially launched after the midyear meeting. In
order to access the members only information you need a username and password,
due to security issues that have changed dramatically since the system was first developed some old passwords needed to be adjusted slightly. In June you MAY have received an e-mail
directive from Karen Callahan of Adventures Online our website host. For new members simply go to
www.MassMHA and sign up. Take a look, and write some comments on blog/issues addressed.
Thank you to Roth Industries, Inc. for being the
Mid-Year Meeting luncheon sponsor, for bringing a Roth tank
for display and for joining our Association.
Welcome
NEW
Welcome Arthur Jemison, Deputy Undersecretary and Karl McLaurin, MHC Program Coordinator in
the Executive Office of the Department of Housing and Community Development (DHCD). We thank
them for attending our mid-year meeting to learn more about our association and industry. Jemison,
discussed the function of his office and expressed openness to further discussions on collaborations.
There appears to be more opportunities, especially with MH cooperatives. McLaurin, enthusiastically
introduced himself, one of his duties is Program Coordinator of the Manufactured Home Commission
(MHC) replacing John Curran who recently retired.
National Website geared for MH Home Owners and a useful to reference in YOUR community
news is MHLivingNews.com. This site captures the essence of MH community living and shares
the positive side of community life as well as alerts on legislation pending.
Scholarship Fund
We need YOUR help to continue our scholarship program
in 2013 and for years to come. At the mid-year meeting
a suggestion was made to include a check off on your
membership invoice. Consider a donation of $25; $50 or
$100 for this fund. It provides a small stipend to support
and encourage 2-3 young people, nominated by association members. Next application deadline is April 1st.
Contributions accepted anytime make check payable to
MMHA Scholarship Fund.
Member Request
We are looking for used homes to rehab
and place in some of our communities.
Call Mark to discuss further.
Mark Asnes, VP Real Estate Acquisitions
Mobile: 860-918-4104
Email: [email protected]
4
NATIONAL NEWS
New MHI President/CEO
Welcome Richard A. Jennison to the position of President and CEO of Manufactured Housing Institute (MHI). Jennison is responsible for the management of
our national industry association. He oversees staff in the areas of government
affairs, codes and standards, communications, marketing, membership development, meetings, education and administration. Prior work includes Omni
Solutions Group as Senior Vice President for Marketing and Business Development; nearly eight years as President and CEO of the Brick Industry Association
(BIA); Chief Operating Officer at the Point-of-Purchase Advertising International
(POPAI). He replaces Thayer Long.
MHI Testimony
House Subcommittee on Financial Institutions and
Consumer Credit on Negative Impacts of Dodd-Frank and SAFE Acts
MHI and the manufactured housing industry testified before the U.S. House of Representative’s Committee on Financial Services’ Subcommittee on Financial Institutions and Consumer Credit. Tom Hodges,
Clayton Homes General Counsel represented MHI and the industry detailing the unforeseen, negative
consequences of the Dodd-Frank Wall Street Reform; the Consumer Protection Act (Dodd-Frank Act)
and the Secure and Fair Enforcement of Mortgage Licensing Act (SAFE Act) has on manufactured housing lending. Other groups testifying included the Securities Industry and Financial Markets Association,
the National Consumer Law Center, the National Association of Mortgage Brokers, the National Association of Home Builders, the National Association of Realtors, and the Mortgage Bankers Association.
MHI was the only manufactured housing industry group invited to testify before the Subcommittee.
Anti-Money Laundering - On February
14, 2012 the Financial Crimes Enforcement
Network (FinCEN), a bureau of the U.S. Department of Treasury, published final rules
on anti-money laundering requirements for
non-bank residential mortgage originators.
The new requirements went into effect August 13, 2012. The regulations require nonbank mortgage originators to establish (internal) anti-money laundering programs and
report suspicious activities. Template copies
are on the MHI website.
5
DID YOU KNOW?
RV/MH Hall of Fame Update
Shipping Reports
A great consumer attraction, the industry “Hall of Fame”,
serves as an important institution for the general public,
media, legislators as well as provides a place to document
pride, unity and accomplishments of the MH industry”
Have you ever visited? If so, send us your reactions. Important Update: MMHA Directors recently voted to supported the MH Hall of Fame summer fundraising effort
with a $250 state contribution to the “buy a brick” program joining many other state associations. To learn more
about this program go to
www/rvmhhalloffame.org/.
Address:
21565 Executive Parkway,
Elkhart Indiana 46514
telephone 800-378-8694.
MHI reports in June 2012, that 12 homes were delivered to
Massachusetts (last years 12-month total was 82 homes.)
The top three (3) states for shipments in June were Texas
(911); Louisiana (443) and Florida (217).
In the Northeast two states were up significantly in June
from the same time last year. Pennsylvania =172 homes
shipped in (+33 from previous year) and New York = 170
homes delivered (+31 from same time previous year).
Overall 5,987 homes were delivered to US States /Canada
in June. The total number of home delivered in 2011 (single
and multi) was 51,606. If you are bringing new homes onto
your property, we encourage you to request dues be submitted to our Association. Dues have been paid by Skyline;
Colony Factory Homes; Virginia Homes; Champion Home
Builders.
MHI Issue Briefs: MHI has the following fact sheets that may be useful to owner/operators of MH communities.
www.manufacturedhousing.org/ Topics Include: Appreciation/Depreciation; New Energy/Ventilation Standards; Energy
Efficient Tax Credits; Discriminatory Financing; Fire Safety; Hurricanes; Indoor Air Quality; Life of Manufactured Homes;
Tornadoes/Wind Safety.
MH Buyer Survey: Who is buying, what are the trends? Check out the recent survery published in MHVillage.com.
6
Two New Cooperatives in the State
Two resident associations purchased properties in Carver, MA
on June 22nd. According to ROC USA®, Pine Tree Village, a
family community of 186 homes/lots and Cranberry Village
(55+) with 280 homes/lots were purchased by the residents
with assistance from the Shelburne Falls, MA based Cooperative
Development Institute. CDI is a certified technical assistance
provider with a national nonprofit organization that works to
help residents of mobile/manufactured home communities
form cooperatives and buy the property. Technical assistance
continues to be provided by CDI to the association for the length of the mortgage a minimum of 10
years. The David Piper Family, who previously ran these two communities received high praise for their
professionalism over the years in various news reports of this transaction. Welcome new Resident
Association Presidents David Tessier of Cranberry Village and Susan Roovers of Pine Tree Village.
Some MH Headlines in the Press
•
•
•
•
Wall Street regulation is felt on Main Street –Daily Mail, Charleston.
MH Park gets license back (Boston.com7/26/12) Edgeway, Middleboro, MA.
Study: Energy Efficient Manufactured Homes Generate Economic Stability. (Mortgageorb 8/2/12).
Mobile Home Park Tenants relieved with Court Plan –Pocasset (Cape Cod Times 8/23/12).
DATES TO NOTE:
September 28 – 7:30am to 1:00 pm at Lombardo’s in Randolph, MA
is training on the latest development sin the Affordable Housing Law (40B).
The discussion will include the past, present and future. DHCD and several
other key sponsors. Registration is $40/$50 at the door. What role will
manufactured homes play in this future?
October 6-9th –MHI Annual Meeting, San Antonio, TX.
October 9 – Manufactured Home Commission Meeting, to be held in Peabody. 10:30-12:30pm. The
Commission meets quarterly in different areas of the state. Watch the MMHA website for meeting
location and directions.
October 25 – See you at the MMHA Annual Meeting! Invite a colleague. Don’t miss the installation
training. Sponsors include Roth Industries; Adventures Online, ProGuard and Oak Point (Hometown
America). Businesses are invited to contact MMHA at 508-460-9523 for meeting sponsorship
opportunities and display table information.
2013 National Congress & Expo, April 16‐18, 2013, Paris Hotel, Las Vegas, NV.
7
Plan to attend the
Plan to attend the
17th ANNUAL MMHA MEETING
MEETING REGISTRATION FORM
Oak
OakPoint
Point (HTA
(HTA Property)
200
Drive
200Oak
OakPoint
Point Drive
Middleborough,MA
Middleboro,ugh,MA
Thursday, October 25, 2012
8:30 am to 1:00 pm
SPECIAL
Installation Training
12:45-3:00 p m
Please print information:
Name(s) for nametag
Community Name or Company
*Mailing Address:(if new/non-member)
*City/Town:
State:
Telephone:
Zip:
Cell:
Email address for Agenda in Advance of meeting________________________________________
REGISTRATION FEES
PART 1:
Pre-Registration for Members –Morning session/lunch
$40. (At door Registration $ 50.)
Associates / to be a meeting sponsor ADD $100. Yes, I would like to have a display table and be
listed on the program as a SPONSOR.
Pre-Registration for Non-Members
$ 75. for general session *(8:30-1:00pm only)
PART 2-Additional fee -This year we are offering a special training module on Manufactured Home
installations and Standards. Attendees will obtain a certificate for completion of the 2-hour training.
INSTALLATION TRAINING 12:45pm -3:00pm
_$100 first registration
_$150 for two from same business/community
Make check payable to MMHA OR to use “PayPal" Contact MMHA Treasurer Melissa Caron at 508-­‐822-­‐5075 (email ([email protected]) for a PayPal invoice.
MMHA
MMHA
P.O.
Box7373
P.O. Box
Halifax,
MA
02338
Halifax,
MA
02338
mmha
Massachusetts
Manufactured
Housing
Association, Inc.
P.O. Box 73
Halifax, MA 02338
RETURN SERVICE REQUESTED
SOME ISSUES BEING ADDRESSED IN INDUSTRY NEWS
It has NOT been a quiet summer!
• MH personal property loan transactions are still subject to Truth in Lending Act (TILA) disclosures (MHI).
• A recent proposed rule would exempt all MH personal property loan transactions from conforming to
Dodd-Frank appraisal requirements, it is an open rule that must be issued in final form by Jan. 2013 (MHI)
• MHI continues work on S. 3484 and H.R. 3489 statutory revisions to both the SAFE Act and the high-cost
mortgage provisions within Dodd-Frank. Continue to SUPPORT!
• CFPB considers Chattel Relief. Comment period ends 11/9/12.
• Rent to Own Concession Agreement with State Review (Wisconsin Assn).
• Boston-State House ended formal session, however in the 2010 year-end recess action was taken on 1309
bills (MassTrac)…we are vigilant and working on several bills!
The 2013 Membership Drive is beginning.
It’s more important than ever for MH owner/operators; resident communities;
and businesses associated with us to JOIN and have YOUR voice heard!