A bi-monthly newsletter published exclusively for member

Page 1May 2012Web EditionA bi-monthly newsletter published exclusively for member companies2012 ANNUAL CONVENTION HIGHLIGHTSPresident’s Award – Ben Shipin, Wallace HomeSales receives his award from CMHI President,Jess Maxcy.Chairman’s Award – Keith Casenhiser, Bessireand Casenhiser, Inc. is presented his award byCMHI Chairman, Gary Barr.2011 CMHI Retailer of the Year – Angelo Zunino,Valley Manufactured HomesCMHI’s Annual Convention heldMarch 13 th -15 th at the Pechanga Resort& Casino was a huge success. It waswell attended, packed with pertinentindustry information, many specialevents and several CMHI memberswere honored for their achievementsand contributions to CMHI and theindustry.CMHI President’s AwardCMHI President, Jess Maxcypresented Ben Shipin, Wallace HomeSales with this years’ President’sAward.Ben and Eileen Shipin foundedWallace Home Sales-a small familydealership in 1998 with offices in LakeForest. When the business began theywere selling just pre-owned mobile/manufactured homes. Wallace HomeSales began selling new manufacturedhomes in 2002. They sell new homesmanufactured by CMHI membermanufacturers, Cavco-Durango andHallmark-Southwest Corporation.Wallace Homes Sales’ missionstatement is “to provide seniors andall age groups with the highest qualityhomes at affordable prices based uponthe special needs of our clients.” In2011, 52 pre-owned homes and 13new manufactured homes were sold toassist in fulfilling this goal.Since joining CMHI in 2005, Ben hasbeen a strong supporter. He readilyvolunteers his time and service andoften attends CMHI Board meetings.Ben and Wallace Homes are generouscontributors to California ManufacturedHousing Institute’s Political ActionCommittee (CMHPAC).Under Ben’s leadership, WallaceHome Sales utilizes creative marketingand dedication to overcome thecustomary method of manufacturedhome sales. From May 18th through20th, and financially funded by theirown efforts, Ben and his staff will usethese strategies by displaying a Cavco-Durango manufactured home in the2012 Orange County Home & GardenShow at the Anaheim ConventionCenter. Click here for more info.Congratulations to Ben and the entireWallace Home Sales team on this wellearned honor.CMHI Chairman’s AwardCMHI Chairman Gary Barr presentedKeith Casenhiser of Bessire andCasenhiser, Inc. with this years’Chairman’s Award.Keith is the executive Vice Presidentof Bessire and Casenhiser, Inc., a fullservice property management companythat strives to operate mobilehomeparks and manufactured housingcontinued on page 2

Front page continued...communities to their highest potential.Keith and his longtime partner, DickBessire, accomplish this by focusingon quality, honesty, integrity, andaccountability. Bessire and Casenhisermanage communities in California,Idaho and the Midwest. In additionto property management, Keith andDick Bessire are owners of severalmanufactured home communities.In the real estate business since1971, Keith began his career as aproperty manager for a SouthernCalifornia developer. He managedmobilehome parks, apartmentcomplexes and shopping centers forFox and Carskadon Management in the1970’s.Keith has served on CMHI’s Boardof Directors since 2006, currentlyserving as a member of the ExecutiveCommittee as Treasurer. Keith isalso the current president of WesternManufactured Housing CommunitiesAssociation (WMA) and has been along time member of their Board ofDirectors. He has served on the IdahoManufactured Housing Association(IMHA) Board of Directors and iscurrently serving on the Board ofManufactured Housing EducationalTrust (MHET) including a term aspresident. He has been a featuredspeaker for management educationseminars and conventions. Hecontinues to supervise properties inCalifornia and Idaho and is a licensedReal Estate Broker.Keith graduated from the Universityof California, Riverside. He and hiswife Susie live in Villa Park and havethree children. Son, Chad Casenhisercurrently works for Bessire andCasenhiser as a property manager.Keith is a strong supporter of theindustry and looks forward to workingwith the Board of Directors and CMHIstaff in the coming year. It is easyto see why Chairman Barr chose torecognize Keith for his dedication andunwavering support and efforts onbehalf of CMHI.Congratulations, Keith.2011 Retailer of the YearAngelo “Angie” Zunino, GeneralManager – Valley ManufacturedHomesFounded in 1967, ValleyManufactured Homes’ in Bakersfield,California has been the number onenew sales retailer in Kern Countyfor the last five years in a row. Overthe past seven years, 86% of ValleyManufactured Homes’ new home saleshave been real property installations.In spite of the recent collapse in realproperty financing, 46% of Valley’s2011 new home sales were realproperty.Angelo Zunino (also known as theGodfather of Mobile Homes) alongwith his partners Douglas Fox and LeoStockli have been in business at theircurrent Taft Highway sales center for44 years. There are several homes ondisplay ranging from 1,000 square feetto a model that boasts 3,600 squarefeet, has ten foot ceilings and looksnothing like a mobile home. Whilemaintaining a retail sales center of thismagnitude has sometimes been difficultin tough economic times, it is throughthis tireless effort that over 8,600homes have been sold.The success of Valley’s real propertysales is their dedication to managingthe sale of the home through theinstallation process. A big advantagefor their new home owners is thatthey don’t have to deal with thesubcontractors; Angie and his crewmonitor that process closely throughcompletion. “We’re like a one stopdeal, you only have to deal with oneperson here,” says Angie. “On site, youdon’t deal with the water people or theseptic people, we handle all of it. If youhave any concern you can call Valley,”Angie added.Valley Manufactured Homes hasroutinely been recognized for theiroutstanding customer service. In2006, Valley received the CustomerSatisfaction Award from CMHManufacturing (Clayton Homes) andhas received it year after year andhas achieved a 94.4% customerPage 2satisfaction rating. Valley has also wonfive customer satisfaction awards fromFleetwood Homes.As a founding member of CMHI(member since 1986), ValleyManufactured Homes has also been amember in good standing of the BetterBusiness Bureau since 1974. Referralbusiness from satisfied customers hasmuch to do with Valley ManufacturedHomes’ continued success. CMHI isproud to honor Valley ManufacturedHomes as Retailer of the Year inrecognition for their highest standardsof professionalism, competency andintegrity in their business practices.Congratulations to Angie and the entireValley Manufactured Homes team.CMHI Lifetime AchievementAwardJ. C. Strutzel, Chairman of the Boardof Express Escrow Company, wasthe recipient of CMHI’s Richard R.Percival Lifetime Achievement Award.Accompanied by his family, ExpressEscrow staff and numerous friends, J.C.was recognized for his achievementsand contributions to the manufacturedhousing industry and CMHI. J. C. willalways be remembered as our veryown “Inspector Clouseau”. He hasspent many tireless hours and energyto ensure that the industry maintainsa level of integrity and honesty in itsaccepted business practices.Sheila Dey, Executive Director ofWMA, spoke fondly of her years ofworking with J.C. and tackling toughlegislative issues affecting the industry.J.C. was presented with his awardby good friend and former CMHIPresident, Bob West.The highlight of J.C.’s awardpresentation was a video presentationby his son, Jesse along with his wifeand baby son, sent remotely fromHawaii. It is clear to see why J.C. is soloved and admired by many.

Page 3Front page continued...Jack E. Wells Memorial AwardJoe Stegmayer, President and ChiefExecutive Officer of Cavco Industries,Inc. was presented with the 2011Jack E. Wells Award for his long-termoutstanding services to CMHI and themanufactured housing industry.Surrounded by his family, Cavcoassociates and industry friends,Joe’s presentation began with avideo “congratulations” from closefriend, Jack Hanna who detailed Joe’snumerous philanthropic activities.Kevin Clayton, President and CEOof Clayton Homes sent a personalgreeting filled with praise for Joe’sprevious service to Clayton Homes andextended service to the manufacturedhousing industry on a national level.Joe was presented his award bythe always entertaining, Barry Colewhose tribute to Joe for his serviceand accomplishments to CMHI andthe industry, but also as a personalfriend. During his acceptance speech,Joe highlighted his life and career in aspecial power point presentation. Joewas presented his “Ring of Honor” byCMHI President Jess Maxcy and joinedover 17 former Jack E. Wells AwardRecipients for their annual photo.CMHI wishes to congratulate allof these CMHI members for theiraccomplishments, their service toCMHI and unfaltering efforts to providehigh quality affordable manufacturedhousing to American families.Jack E. Wells Memorial Award Alumni CongratulateJoe StegmayerTop Row-Left to Right: Ben Nelms-1986; Craig Fleming-2002; Gary Barr-2001; Bill Nelson-2006; JoeStegmayer-2011; Barry Cole-1999; Ed Evans-1990; Bob West-1985; Jess Maxcy-1992Bottom Row-Left to Right: Russ Williamson-2008; Duke Edmundson-1980; Joe Tobey-2005; J. C.Strutzel-1988; Alfia Taylor-2000; Vicky Derieg-1991; Gordon Collins-1971; Sam Riela-2003

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Page 52012 Annual Convention & Wells Banquet SponsorsCMHI would like to extend its utmost gratitude to the following companies fortheir generosity in supporting the 2012 Annual Convention and Wells Award Banquet:DIAMOND SPONSORSHIP ·CMH Family of Brands - Golden West, Karsten, Marlette & Schult• Snell and Wilmer • Southern California Edison • Triad Financial ServicesPLATINUM SPONSORSHIP ·Cavco Industries/Fleetwood Homes • C U Factory Built Lending• Drew Industries, Inc.GOLD SPONSORSHIP · 21st Mortgage Corp. • Advantage Homes • Express Escrow CompanySILVER SPONSORSHIP · Alpert, Barr & Grant, APLC• Champion Homes/Silvercrest • U S Bank• Arizona Housing Association• California Southwestern Insurance • Manufactured Housing Insurance Services• Monarch Mobile Homes · Skyline HomesBRONZE SPONSORSHIP · Bessire and Casenhiser • DanKat Industries • Eagle Mobile Home Center• Home Quest • J & H Asset Property Management • Strictlymobiles.com • ZMHCCMHI ANNOUNCES 2013ANNUAL CONVENTIONThe Pechanga Resort and Casinoin Temecula will be the host site forCMHI’s Annual Convention, March13 th – 15 th , 2013. Please mark yourcalendars so you don’t miss thisspecial event.The 2013 event kicks-off onWednesday, March 13 th with theBoard of Directors’ Meetings and theWelcome Reception.The Annual General MembershipMeeting and Awards Luncheon willbe held on Thursday March 14 th .On Thursday evening, CMHI hostsits Annual Jack E. Wells MemorialAwards Banquet. This year’s honoreeselections will be announced atCMHI’s 2012 Holiday Open House onDecember 6 th at The Mission Inn Hotel& Spa.On Friday, March 15 th tee times havebeen reserved for those who dare toplay Journey…..at Pechanga, a worldclass golf course 10,000 years in themaking. CMHI convention attendeeswill enjoy $99 w/cart discounted greenfees.Sleeping rooms are available atPechanga at CMHI’s special roomrate of $119 per night, single/doubleoccupancy. To make your hotel roomreservations:For information, please call Kim orConnie at (909)987-2599.

Page 6AB 317Mobilehomes:(Calderon, C.)2012 California Industry LegislationBILL DESCRIPTION STATUS CMHIPOSITIONAB 505Housing programs:Audits(Harkey)AB 579M o b i l e h o m e P a r k s :Liability:Attorney’s Fees(Monning)AB 928Housing andCommunityDevelopment:Mobile Home Parks(Wieckowski)SB 149Mobilehomes:(Correa)SB 376Real Estate Brokers(Fuller)* Location of Bill as of this date.Revises the conditions under which a tenancy in a mobilehomespace within a mobilehome park is exempt from a local rent controlordinance, rule, regulation, or initiative. Makes the exemptionsapplicable when the mobilehome space is not the sole residenceof the mobilehome owner. Specifies the evidence upon whichmanagement of a mobilehome park may rely to determine whether aresidence is the mobilehome owner’s sole residence.As amended, this bill would require the State Auditor’s office toperform an audit of the Department of Housing and CommunityDevelopment every four years.Permits the award of attorney’s fees and, in some cases, otherlitigation expenses, to a local governmental entity in an actionbrought by the owner of a mobilehome park to challenge the validityor application of a local ordinance, rule, regulation, or initiativemeasure that regulates space rent or is intended to benefit or protectresidents in a mobilehome park, if the local governmental entity isdetermined to be the prevailing party.This bill is currently a “spot” bill. A “spot” bill is a placeholder forlegislation that is yet to be determined. This bill will likely be used asa vehicle to introduce housing related legislation.Makes a technical, nonsubstantive change to the MobilehomeResidency Law which governs tenancies in mobilehome parks andimposes various duties on the owners of mobilehome parks and theagents and representatives authorized to act on behalf of the owners.Amends Business and Professions Code Section 10131 and adds10131.8 to allow property management companies who manageproperties for a fee and are already required to be licensed as realestate brokers by the Department of Real Estate (DRE), to makethese used mobilehome loans under their DRE broker license and anMLO license instead of having to acquire an additional license as afinance lender by the Department of Corporations.SenateJudiciaryCommittee *Feb. 16, 2012Two Year BillSenate RulesCommittee*June 16, 2012AssemblyJudiciaryCommittee*Feb. 1, 2012In-ActiveFeb. 1, 2012AssemblyCommitteeon Housing &CommunityDevelopment*April 12, 2012In-ActiveAugust 30,2011WatchTwo YearBillWatchWatchTwo YearBillWatchWatchTwo YearBillSupportTwo YearBill

Page 7CMHPAC 2012 CAMPAIGNVOLUNTARY CONTRIBUTION FORM• All CMHPAC contributions are strictly voluntary.• Corporate checks CAN be used for PACcontributions in California according to law.• Corporate contributions are permissible in Californiaaccording to law.• There is no federal or state deduction or tax creditfor PAC contributions made by businesses orindividuals.• Contributions to a PAC by individuals orcorporations are limited to $6,500 per calendar year.• Contributions of any amount are appreciated.RetailersManufacturers$150 Annually$250 AnnuallySuppliers·$400 members $200 Annually·$700 members $350 AnnuallyDevelopers/Community Owners·$400 members $200 Annually·$700 members $350 AnnuallyFinancial ServicesIndividuals &AffliliatesCONTRIBUTIONGUIDELINES$250 Annually$100 AnnuallyPlease make checkspayable to:CMHPA CALL PURPOSE ACCOUNTID#89011210630 Town Center Dr., #120Rancho Cucamonga CA 91730The Fair Political Practices Commission (FPPC) REQUIRES the following:___________________________________________________________________Name___________________________________________________________________Employer___________________________________________________________________AddressCity, State, Zip___________________________________________________________________Occupation (If individual)ENCLOSED IS OUR/MYCMHPAC 2012 CAMPAIGN CONTRIBUTIONIN THE AMOUNT OF$_____________

ViewPointBy Jess MaxcyCMHI PresidentH.R. 3849 – The PreservingAccess to ManufacturedHousing ActIntroduced on January 31, 2011 byGary Miller (R-CA), Joe Donnelly (D-IN) and bill sponsor Stephen Fincher(R-TN), H.R. 3849 seeks to “reduceregulatory burdens that impede accessto affordable manufactured housingfinancing.” *The Preserving Access toManufactured Housing Act is focusedon two issues:1) Reducing the threshold by whichsmall balance manufactured homepersonal property loans are consideredhigh cost mortgage loans.2) Clarifying that persons sellingmanufactured homes who arenot engaged in the business oforiginating residential mortgageloans and do not perform the acts of amortgage loan originator (MLO) are notdefined as such.Support for H.R. 3849 is extremelyimportant for our industry.While clarifying the definition of aMLO may be viewed as a cleanupissue, the section dealing with high costmortgage loans is of vital importanceto current and future home owners,especially those in the resale market.For example, a recent audit of yearto-datesales by one of our largestlenders revealed that over 50 percent oftheir loans would have been consideredhigh cost mortgages by the HomeOwnership and Equity Protection Act(HOEPA). As a result, those loans mostassuredly could not have been madehad the HOEPA limits been in place.The following are excerpts from ananalysis prepared by the ManufacturedHousing Institute:Impact of the Dodd-Frank Act onManufactured Housing• Dodd-Frank imposes new standardson mortgage lending designed to cureabuses in the real property mortgagemarket. However, the Act wouldhave the unintended consequenceof limiting the availability of creditfor low-cost affordable housing,including manufactured homes. Thevast majority of small balance loansused for the purchase of affordablemanufactured housing would beunfairly classified as predatory –“high-cost mortgages”.• Without recognition of the uniquepressures associated withmanufactured housing finance,Dodd-Frank’s “high-cost mortgage”provision lumps small balance loans– particularly loans used to purchaseaffordable manufactured housing –into the same category as subprimepredatory real property mortgages.While crafters of Dodd-Frankrecognized large multi-national banksand small community banks couldnot be regulated in identical ways; thesame realization was not reached formortgage loans.• A $250,000 loan and a $25,000 loancannot be regulated in the sameway. While the cost of originatingand servicing these two loans arethe same in terms of dollars, the costas a percentage of each loan’s sizeis significantly different. It is thisdifference, along with differencesin the costs of funds that cause thesmaller sized loan to violate caps inthe Act can be categorized as “highcost”or predatory.• Among manufactured homeowners,EXPRESSESCROWCOMPANYEXPERTS IN PERFECTING TITLEFOR PARK-OWNED HOMESCalifornia’s leading authority ontechnical issues concerningmanufactured housingtitle and escrowMobile/manufactured home andmobilehome park sales andrefinance escrowsStatewide service7812 EDINGER AVE. SUITE 300HUNTINGTON BEACH CA 92647(800) 669-6925 FAX (714) 848-9174info@ExpressEscrow.comPage 9potentially millions of families couldsee the equity they have built in theirhome wiped out. Because of thischange in Dodd-Frank, small balanceloans needed by those purchasingor refinancing existing manufacturedhomes could be essentially regulatedout of existence. This is due tothe increased liabilities and stigmaassociated with making a HOEPA“high-cost mortgage”. Lenderswould simply stop making theseloans, potentially cutting off a sourceof financing for half of the nation’snine million manufactured homes.• For a variety of reasons, most ofaffected buyers - who are primarilylow-to-moderate income - wouldhave few alternatives of purchasing ahome including:° ° traditional mortgage financingis not readily available to mostmanufactured home buyers;° ° availability of government-insuredand GSE programs is limited;° ° personal property lending iscontinued on page 10

Page 102012-13 CALENDAR OF EVENTSMay 5th ~ 12thJune 3rd ~ 4thJune 7thSeptember 13thOctober 7th ~ 9thOctober 15th ~ 18thDecember 6th2013February 24th ~ 26thCalendar of EventsWMA Spring SeminarGrand Wailea ResortMaui, HawaiiContact Regina Sanchez 916-448-7002regina@wma.orgCMPA 2012 Parkowner SymposiumBellagio ResortLas Vegas, NVContact CMPA 949-380-3304devon@cmpa.usCMHI Board of Directors’ & CMHIFoundation Directors’ MeetingsNorthern California Chapter MeetingHoliday Inn Capitol PlazaSacramento, CAContact CMHI 909-987-2599kim@cmhi.orgCMHI Board of Directors’ & CMHIFoundation Directors’ MeetingsSouthern California Chapter MeetingCosta Mesa MarriottCosta Mesa, CAContact CMHI 909-987-2599info@cmhi.orgMHI Annual MeetingHotel ContessaSan Antonio, TXContact Cheryl Langley 703-558-0668Cheryl@mfghome.org2012 WMA Convention & ExpoSouthpoint Hotel, Casino & SpaLas Vegas, NVContact Regina Sanchez 916-448-7002regina@wma.orgCMHI Board of Directors’ & CMHIFoundation Directors’ Meetings2012 Holiday Open HouseThe Mission Inn Hotel & SpaRiverside, CAContact CMHI 909-987-2599info@cmhi.orgMHI Legislative ConferenceSheraton Crystal CityWashington, D.C.Contact Cheryl Langley 703-558-0668Cheryl@mfghome.orgViewPoint continued...largely non-existent compared totraditional mortgage lending withonly a handful of national lenders;and,° ° other housing alternativesare much more limited (e.g.,acceptable rental properties,limited construction options in ruralareas, etc.)• The manufactured housing marketis already constrained by the lackof a secondary market outlet formanufactured home loans, whichprovides a significant disincentive tomaking manufactured home loans.The unforeseen consequences ofcertain provisions of the Dodd-FrankAct, including the HOEPA expansion,would further reduce lending optionsavailable to buyers of affordablemanufactured homes.• The legislation proposed by Reps.Fincher, Donnelly, and Miller wouldamend the criteria by which loansare considered “high-cost” so thatsmall sized manufactured homeloans are not discriminated againstsimply because they are low balance.This would be accomplished withoutdiminishing consumer protections orlimiting disclosure requirements.With your help we can take action toprotect our home owners’ equity andthe availability of future responsiblefinancing to help California familiesachieve home ownership.CMHI and industry members shouldcontact your U.S. Representativesand urge them to co-sponsorH.R. 3849 (Preserving Access toManufactured Housing Act). Toco-sponsor, Representatives or theirstaff should contact Jim Hall in Rep.Stephen Fincher’s office at (202)225-4714 or jim.hall@mail.house.gov orAlyssa Stamm in the office of Rep. JoeDonnelly at (202)225-3915 orAlyssa.stamm@mail.house.gov.* MHI Position Paper – Feb. 2012

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Around CaliforniaWELCOME NEW MEMBERSRetailer DivisionMLS Enterprises, Inc.Margaret Shook, Laguna BeachSheri MurrayStatewide Homes, Inc.Sam RielaSalstar EnterprisesPage 12CMHI Welcomes New HCDDirectorMobile Home Repot DepotMark Betteker, Chula VistaFinancial Services DivisionMH Loans CorporationRodney Poplin, Vancouver, WACMHI Elects 2012/’13Officers and Board ofDirectorsOfficersGary BarrChairman of the BoardAlpert, Barr & Grant APLCFinancial Services DivisionRobert Angel1st Vice ChairAngel & AssociatesRetailer DivisionJoe Stegmayer2nd Vice ChairCavco Industries, Inc.Manufacturer DivisionKeith CasenhiserTreasurerBessire & CasenhiserDevelopers/Community Owner DivisionJohn EvansSecretaryE & R MH/RV Window Repair ServicesSupplier DivisionBarry ColeImmediate Past ChairManufactured Housing InsuranceServicesFinancial Services DivisionBoard of DirectorsRetailer DivisionDavid DurantMacy Homes, Inc.Peggy DomasinNuTrend HomesManufacturer DivisionLuca BrammerHallmark-Southwest CorporationJohn BreanCMH Family of BrandsGolden West HomesCraig FlemingChampion Homebuilders/SilvercrestRuss WilliamsonSkyline HomesSupplier DivisionRay TrosperDanKat IndustriesDaniel ZimmerZMHC (formerly Z Awnings)Developer/Community OwnerDivisionBill HanksJ & H Asset Property ManagementLarz McAdooBusch, Carr & McAdooFinancial Services DivisionShela HolleyTriad Financial ServicesJ. C. StrutzelExpress Escrow CompanyJoe TobeyU.S. Financial NetworkCMHPAC Chair (Ex-Officio)Garry “Duke” EdmundsonAffordable Community LivingLinn Warren serves as Director ofthe California Department of Housingand Community Development (HCD)which operates under the aegis of theBusiness, Transportation and HousingAgency (Agency) in Sacramento.Director Warren’s position includesoversight for administration of theDepartment’s housing finance,rehabilitation, and communitydevelopment programs; the State’shousing policy, planning and codesettingprocesses, and regulatingmanufactured housing andmobilehome parks. The Directorleads the administration of $2.1 billionin Proposition 46 and $2.85 billionin Proposition 1C bond funds foraffordable housing.Prior to joining HCD, Linn heldvarious positions at the CaliforniaHousing Finance Agency (CalHFA).From 1995 to 2005, he was theDirector of Multifamily Programs andled numerous program and policyincentives. During his tenure, theMultifamily Division developed agroundbreaking special needs lendingprogram with subsidized financingtargeted specifically to projectshousing homeless and developmentallydisabled residents. The Division alsodeveloped a preservation programutilizing non-profit related bondissues leveraging locality basedrental assistance. Both of theseprograms were awarded recognition forexcellence from the National Council ofHousing Finance Agencies.continued on page 13

Around California continued...Also while at CalHFA, Linn developedan innovative program for preservationof federally assisted projects. In1996, in conjunction with HUD, hedeveloped the first 236 decoupling inthe country. In 2000, Linn again led aneffort with HUD, private developers andthe City of San Jose, to recapitalize alarge LIHPRHA assisted project. Thisprogram included advanced financingstructures, new regulatory agreementsand, at the time, was the largest taxcredit project in the country. Linn alsodirected preservation efforts aimedat revitalizing the aging portfolioat CalHFA, by recapitalizing ofnumerous projects to ensure long termaffordability. These efforts includedsome of the earliest debt leveragingof project based housing voucherassistance, a lending techniquereplicated by other affordable housinglenders. With the introduction of theMHP Program at HCD, Linn and hisstaff developed the first constructionlending program at CalHFA in 20years. During his 10 years as CalHFA’sMultifamily Programs Director, theDivision funded 270 projects with loanstotaling $1.7 billion.While on leave from CalHFA,Linn worked as an advisor to localgovernments, including San Jose andSacramento. While working at thesecities, Linn developed new assetmanagement evaluation and monitoringsystems, led efforts to reposition publichousing assets, developed NSP plansand amendments and developed debtrestructuring programs for homelessassistance providers.More recently, Linn was ProgramDirector for the Keep Your HomeCalifornia Program, a $2 billioninitiative, funded by the U.S. Treasuryaimed at preventing California homemortgage foreclosures to keepdistressed borrowers in their homes.Prior to joining State service,Linn was a senior manager in theprivate sector with several financialinstitutions and commercial real estatedevelopment firms. He was active inthe resolution of the thrift crisis in the1980’s as an asset and loan workoutmanager for both commercial andsingle-family loans.Linn received a BA from theUniversity of California, Santa Barbarain Business Economics and holdsthe Mortgage Bankers Associationdesignation as a Commercial CertifiedMortgage Banker.CMHI staff, Board of Directors andmembers welcome Linn to his newposition and look forward to workingwith him.CMHI Members HonoredNational Industry Awardswere presented to individualsand companies in recognition ofoutstanding achievements in 2011during the Manufactured HousingInstitute’s National Congress and Expoin Las Vegas, Nevada.“These award winners have madesignificant contributions to theindustry and are leading the wayin providing outstanding customerservice, products, value, creativesolutions and state of the art homesfor today’s homebuyers. They arebeing recognized for their vision anddedication in enhancing and movingthe manufactured and modular housingindustries forward,” said MHI President& CEO Richard Jennison.Congratulations to the following CMHIrecipients:• Cavco Industries, Inc. –Manufacturer of the Year• 21st Mortgage Corporation –National Lender of the YearFloor Plan Lender of the Year• C U Factory Built Lending – RegionalLender of the Year• Best Design Awards° ° Fleetwood Homes – SingleSection Home Design“The Metropolitan 16662M”Concept Design 1,800 SF orLess“Tradition 06837”Page 13Concept Design Over 1,800 SF“Granite Creek 48763G”° ° Champion Home Builders – Multi-Section 1,800 SF or Less“The Dover”Modular Design Over 2,200 SF“Tacoma Vista”° ° Palm Harbor Homes – SingleSection Concept Design“The Staniel Cay II”HCD Assumes Jurisdictionfor Desert Hot Springs M.H.ParksAs a permit condition to developPalm Vista Estates, a manufacturedhousing park with approximately 118lots, the developer paid all developerand mitigation fees required.Subsequent to a change inownership and completion of thepark, the City of Desert Hot Springsbegan charging a mitigation fee ofapproximately $7,000 as a conditionfor a permit to install a manufacturedhome in the park. This was, in effect,a retroactive fee for the installation ofmanufactured homes on lots for whichfees had already been paid as a partof the fee structure and permit processfor the development of Palm VistaEstates.In October of 2011, the Departmentof Housing and CommunityDevelopment (HCD) informed theCity that the fees set forth in theMobilehome Parks Act (MPA) are theonly fees that can be assessed for theinstallation of a manufactured homein a park ($196.00 plus $41.00 foreach additional half hour of inspectiontime). HCD requested that the Citytake the necessary steps to repeal theordinance relating to manufacturedhome installation fees that exceedthose permitted in the MPA for parkinstallations and to refrain fromcollecting fees in excess of thosepermitted in the MPA.In a November 2011 response theCity disagreed with HCD’s positionand refused to comply with HCD’scontinued on page 15

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Page 15Around California continued...requested action. Subsequently,HCD issued a notice of intent torevoke Desert Hot Springs’ authorityas the local Enforcement Agency formanufactured home parks within thecity. The City appealed.Following a January 2012 hearing,Hearing Officer, Ron Javor, noting thenegative impact of a significant andimproper fee on the well being of homeowners and renters and on the abilityof the park owner to properly operatethe park, denied the City’s appeal andsustained HCD’s Notice of Revocation.And now…affordability returns toPalm Vista Estates!Manufactured HomeLenders Subject to NewAnti-Money Laundering RuleOn February 7, 2012 the Departmentof the Treasury’s Financial CrimesEnforcement Network (FinCEN)released final rules extendinganti-money laundering (AML) andsuspicious activity report (SAR)requirements to non-bank residentialmortgage lenders and originators.Non-bank mortgage lenders will nowbe forced to assist law enforcementagencies with fraud detection just aslarger financial institutions are requiredto do.NOTE: The rule has not yet beenofficially published in the FederalRegister. FinCEN has made a draftavailable at: http://www.fincen.gov/statutes_regs/frn/pdf/1506-AB02_RMLO_Final_Rule.pdf. The rule,which the agency began developing in2009, will go into effect 60 days afterpublication in the Federal Register andcompliance will be required within 180days of publication.Under the requirements, all nonbanklenders including any entitymaking personal property loans forthe purchase of manufactured housing(i.e., community owners that areengaging in lending activity and nonbankmanufactured home lenders) willhave to, among other requirements,establish AML programs, designate acompliance officer and develop trainingprograms.The regulations cover any residentialmortgage lender, residential mortgageloan originator and loan or financecompany (see pages 37 & 39 of rulesof definition of terms and page 15 forcommentary of those covered).For more information go to: http://www.fincen.gov/news_room/nr/html/20120206.html or contactMHI Vice President of GovernmentalRelations Jason Boehlert at jboehlert@mfghome.org.Carbon Monoxide DetectorsProposed amendments to theWildland Urban Interface (WUI)regulations adds Section 4326 whichwill require carbon monoxide detectorsin new and used manufactured homesmanufactured on and after the effectivedate. As of this writing, while theeffective date has not officially beenset, CMHI believes it will more thanlikely be July 1, 2012. CMHI memberswill be kept informed by SpecialBulletin.New Sales and Use TaxRatesThe State Board of Equalization(BOE) has announced that voters infour cities in California approved newdistrict taxes that went into effect onApril 1, 2012 – Fairfax, Palm Springs,Oakdale and Vallejo. The new rate inMendocino County will cause ratesin the incorporated cities listed underthat county to increase – Willits, PointArena, Fort Bragg and Ukiah.For City and County Tax Rates go tothe BOE page:www.boe.ca.gov/sutax/pam71.htmFor California Tax Rates: www.boe.ca.gov/pdf/pub71.pdfCall BOE’s Taxpayer InformationSection at (800)400-7115.Source: California BOE Special Notice-3/2/12Origen Financial AnnouncesFourth Quarter and Full Year2011 ResultsOrigen Financial, Inc., whichmanages residual interests insecuritized manufactured housingloan portfolios, has published itsfinancial results for the fourth quarterof 2011 as well as for the entire year.The Southfield, Mich.-based realestate investment trust narrowed itsnet losses in the last three monthsof the year, to $3.4 million from $5.7million during the same time frame of2010. Before loan losses, net interestincome for the period actually jumped12 percent to $4.6 million from $4.1million, Origen reported. For the fullyear, the REIT’s net losses shrank to$11.8 million from $16.6 million. Also,on March 14th, the board of directorsdeclared a common stock dividendof $0.15 per share. The payout willbe delivered on April 2, 2012, toshareholders of record as of March 26,2012.Source: MarketWatch (03/15/12)Home Affordability CalledBest in DecadesHome buying is currently moreaffordable than it has been in morethan two decades, according to themarket data provider CoreLogic.Bargain property prices and favorablefinancing rates make now a goodtime to enter the market, the SantaAna, Calif.-based firm declared in itsApril MarketPulse report. “Housingaffordability is at levels not seen sinceprior to the early 1990’s and is almosttwice the level it was in April 2006,”when residential prices crested, thereport noted. Although rock-bottommortgage interest rates are likely toincrease this year and home pricesprobably will rise slowly through midsummer,CoreLogic says these slightshifts should not have much of animpact on overall affordability.Source: MHI News Wire-(April 2012)continued on page 17

Page 16BUILDERS RISKProtection From Loan Closing to Occupancy –COURSE OF CONSTRUCTIONINSURANCEWith Just One Policy!When you add Builders Risk Endorsement to one of our manufactured/modular homeownerspolicies, we provide certain protections that continues from delivery all the way throughconstruction to occupancy.Meets Lender Requirements forHomeowners InsuranceCoverage Includes:• Personal liability• Coverage for theft ofbuilding materials on site• Coverage for damage toany site improvementsOnce the home is occupied,the Builders Risk endorsementexpires – while homeownersprotection continues!For more information,CallManufactured Housing Insurance Services at1-866-644-7111http://www.MHIS.infoWhy have more than one policywhen you don't need to?A MERICAN MODERN INSURANCE G ROUP

Page 17Around California continued...In MemoriamChelu Travieso-Earhart~1950-2012Chelu was a past president of MHET(1997 and 1998) and had been servingon the MHET Board of Directors since1990. She was a member of WMA,CMHI, MHI, and was vice president ofthe California Mobilehome ParkownersAlliance (CMPA).Industry icon and friend, CheluTravieso-Earhart passed away onMarch 30, 2012 after a brave, vigilantbattle with systemic scleroderma.Chelu started her real estate careerin 1971 as on on-site manager of a30-unit complex with USIF OklahomaCorp., a division of Arlen Realty.Within one year she was managinga 544-unit complex. Since then,she had been involved in variousaspects of residential, industrial andcommercial real estate management,sales and marketing, acquisitions anddevelopment in Arizona, California,Oklahoma, Texas and WashingtonState. Chelu held a ManufacturedHousing Sales Dealer License.Except during her employment withDr. Nolan Frizzelle, past Chairman ofthe California Republican Party andformer State Assemblyman, Chelu’spast employers include the real estatefirms of Parkcenter Corporation, AxiomProperties, Inc., and Newport PacificCapital Company.She first became involved in themanufactured housing industry in 1983and since 1990, had been exclusivelymanaging manufactured housingcommunities as president of MobileCommunity Management Companyand handling in-house sales as a dealerthrough Community Mobilehome Sales.Mobile Community ManagementCompany manages approximately5,000 spaces throughout the state.Chelu received the Freedom FighterAward from CMPA in 1990. She issurvived by her husband, Don Earhartand three stepchildren; Tim, Dan andCindy.Chelu will be greatly missed by allthose who have had the opportunityto work with her throughout her manyyears in the industry.Richard Schmidt~1964-2012It is with great sadness that we reportthe passing of our friend and colleague,Rich Schmidt. Rich followed hisparents’ career path when he went towork at Marlette Homes right out ofhigh school in 1982. That began a 28year career at Marlette during whichRich worked his way up from theproduction line, through managementand became General Manager in2006. He was a respected member ofthe industry and also loved for beinga “great guy”. He served on boththe Northwest Housing Association’sBoard of Directors and the NorthwestPride Committee.Rich courageously, and withoutcomplaint, battled cancer for over adecade. He was a devoted husbandand father and leaves behind his wife,Tracy and daughters, Crystal andCindy.Financial remembrances canbe made to “Just Cure It Kids”, anorthwest non-profit foundation set upin memory of a previous Marlette teammember with all proceeds benefittingfinding a cure for cancer. Checksshould be made payable to “JustCure It Kids” and may be sent to BethWheeler, Human Resources, MarletteHomes, 400 West Elm Avenue,Hermiston, OR, 97838.Dan Pocapalia~1916-2012Dan passed away peacefully,surrounded by his family at home onMay 7, 2012 after a very rapid declinefollowing the diagnosis of colon andliver cancer. Born “Dante Pocapaglia”to Italian immigrant parents on theirsmall farm located near the currentLos Angeles Airport, Dan and his twobrothers Dominic and Vic and sisterRose, lived a hard life.continued on page 18

Around California continued...Dan did not understand why heshould waste his time in schooland ended his school career in the6th Grade. Fine with his father, hecould now work full-time on thefarm. Dan was constantly trying toincrease production and suggestingnew management techniques for thelaborers.During World War II, Dan worked forVultee, starting off as a “rust scraper”.Dan self-taught himself the engineeringand math required for the job and waspromoted up the ranks, ultimatelymanaging production of BT-13s andB-24s.In 1945, Dan and Bill Worman formedKIT Manufacturing and produced theclassic KIT Tear Drop travel trailer.Dan was a true pioneer in the traveltrailer and mobile home industry. Heremained CEO of KIT until the ageof 87. Dan wrote a book “I Love aChallenge” that details a half-century ofKIT, which he self-published in 1994.Dan was a lover of nature and dryfly fishing and Big Horn Sheep huntingwere his passions. He was particularlyproud of creating the annual sale of theDan Pocapalia Big Horn Sheep Bronzefor FNAWS Wild Sheep Foundation thatto date, has raised more than $400,000for the conservation of Big Horn Sheepin the United States.Dan passed away in the same stylein which he lived – with acceptance,humor, grace, efficiency and dignity.He is survived by his wife of 63 years,MaryAnn; his children Maria Pocapalia(husband Paul Brounstein), DanielPocapalia, Diana Pocapalia, RichardPocapalia and Ann Pocapalia; fourgrandchildren and his younger sister,Rose Butts. Dan will be missed but notforgotten.Regulatory Relief?We have all heard the many, manypromises to reduce regulatory burdens.Well……On April 19th, the House FinancialServices Committee unveiled thePage 18Dodd-Frank Burden Tracker, an onlineresource to help track new rules andregulations required by the Dodd-FrankAct.A committee press release indicatesthat Dodd-Frank “mandates thatgovernment regulators write over 400new rules and requirements that willbe imposed on the private sector.Since the law was signed by PresidentObama in July 2010, the Dodd-FrankBurden Tracker reveals: regulatorshave written 185 of the 400 rules; these185 rules consume 5,320 pages; and,it will take private sector job-creators24,035,801 hours every year to complywith these first 185 Dodd-Frank rules.”Source: MHI Week in Review-04/20/12CMHI Northern CaliforniaChapter Meeting – June 7,2012A meeting of CMHI’s NorthernCalifornia chapter has been scheduledcontinued on page 19U.S. Bank is strong, secureand open for business.Customer satisfaction is alwaysimportant to U.S. Bank:Every DayEvery CustomerEvery TransactionTo find out more about the U.S. Bank difference,call Manufactured Housing Finance at866-300-8345.usbank.com

Page 19Around California continued...for Thursday, June 7th at The HolidayInn Capitol Plaza in downtownSacramento.All CMHI members are invited toattend. The program will includeupdates on:• Formaldehyde Status• W.U.I. Amendments• Manufactured Housing Act H.R.3849This is a great opportunity forindustry members in the northernCalifornia region to gather together andnetwork. Members of CMHI’s Board ofDirectors will be in attendance. A No-Host Cocktail Reception begins at 5:30PM, followed by Dinner at 6:00 PM andthe program will begin immediatelyfollowing dinner service.Cost to attend the Chapter Meetingis $45 per person and includes dinnerand program. The Holiday Inn CapitolPlaza is located at 300 “J” Street indowntown Sacramento.Please click here for a reservationform and return with your paymentas soon as possible. If you haveany questions, call Kim or Connie –(909)987-2599.It’s CMHI MembershipRenewal TimeIf you have any questions, pleasefeel free to call CMHI (909)987-2599.CMHI thanks you in advance for yourcontinuous support.RETAILERS: Claim Your $500 Per HomeRebate for Selling Energy Star HomesAll four major utilities in California currently offer a $500incentive to retailers and communities for selling newENERGY STAR manufactured homes. The rebate canbe claimed for homes sited by December 28, 2012 andserved by any of the following utilities: Pacific Gas andElectric Company, Southern California Edison, SouthernCalifornia Gas or San Diego Gas and Electric.For more information, contact Gwynne Koch, ProgramManager, Systems Building Research Alliance at212-496-0900x120 or gkoch@research-alliance.org.By now you should have receivedyour CMHI 2012/’13 AnnualMembership Dues renewal brochureand invoice. CMHI’s fiscal year beganApril 1, 2012 and ends on March 31,2013.By renewing your CMHI membershipyou are supporting CMHI in itsefforts to protect your business andthe industry as we work together torevitalize California’s manufacturedhousing market.Please note CMHI’s two paymentoptions. You may pay your dues in onepayment or in two easy installments.Your payment is due NO LATER THANMAY 31st.

Across the NationRichard Jennison – NewPresident at MHIRichard “Dick” Jennison wasrecently appointed the new Presidentof the Manufactured Housing Institute(MHI). Dick is a standout goalorientedleader with a proven trackrecord for accomplishments withinapproved time frames and budgetlimitations. He is highly regarded forhis ability to implement change andassimilate disparate cultures into aunified organization. Dick is notedfor his strong financial acumen andknowledge-based decision making.He is a persuasive presenter andrelationship builder that is known forhis ability to deliver value to customersand association members. Dickempowers his staff performanceto achieve critical organizational,customer and member needs. Hisexperience and accomplishmentsare punctuated by his ability tosuccessfully start-up, turnaround andsustain high-growth business units andorganizations in both the for profit andnot-for-profit arena.Prior to joining MHI, Dick was apartner and Senior Vice President,Marketing and Business Development,for Omni Solutions Group, aprofessional services firm that offerstechnology solutions and supportservices to small and mid-sizebusinesses and associations. Heoversaw and managed Omni SolutionsGroups substantial not-for-profitbusiness practice.Prior to joining Omni SolutionsGroup, Dick had over 14 yearsleadership experience in the not-forprofitarena and, specifically, the lasteight years serving as President andCEO of the Brick Industry Association(BIA), a $7 million trade associationrepresenting the residential andcommercial construction industry.Prior to his leadership role at BIA, Dickserved as Chief Operating Officer atthe Point-of-Purchase AdvertisingInternational (POPAI), a $5.5 millioninternational retail in-store marketingassociation.Prior to joining POPAI, Dick had over15 years of senior executive experiencein the for-profit business sector. Heserved as Vice President, Marketingand Public Relations, for CitizensBancorp, a $5 billion regional financialservices organization. In addition, Dickserved in senior management roleswith both MCI and AMTRAK.Dick graduated Magna Cum Laudewith a B.A. degree from St. Leo Collegein St. Leo, Florida. In addition, Dickgraduated from the School of BankMarketing, Management & StrategicPlanning with the American BankersAssociation.Dick served on the Board and wasChairman of the Masonry IndustryCouncil. He was also a memberof the National Association ofManufacturers and the U.S. Chamberof Commerce. In addition, Dick alsoserves on numerous charitable, civicand community volunteer fundraisingboards.Dick has been married to his wifeTracy for 25 years. They reside inMaryland with their son Alec, who is asenior in high school and plays varsitylacrosse.CMHI staff, Board of Directors andmembership welcome Dick to theindustry and look forward to workingwith him.Page 20RV/MH Hall of FameRestructures FinancialObligations Assuring Long-Term StabilityElkhart, Ind., March 14, 2012 – TheRV/MH Hall of Fame & Museum(Hall) has restructured its financialobligations with its investors and isnow on a path to long-term stability,thanks primarily to the generosityof the family of longtime benefactorBoots Ingram (deceased), according toChairman of the Board Bill Garpow.“The RV/MH Hall of Fame will liveon,” Garpow said. “Our gloriousbuilding will remain open for years tocome. Our history will continue tobe preserved. It’s a day of triumphand celebration for the RV andmanufactured housing industries, aday made possible by the continuedgenerosity of the Ingrams.”Under terms of agreement betweenthe Ingram family and the Hall, formertreasurer and Hall board memberDarryl Searer of Ultra-Fab Products,Inc., and Hall of Fame member, willassume the position of president andchief operating officer of the Hall, on avolunteer basis. The Hall’s current staffremains in place.Searer said, “This day has arrivedbecause of the hard work of adedicated group of Hall ExecutiveCommittee members who foughtfor the Hall’s future despite manyobstacles and because both FirstSource Bank of Elkhart and TonyIngram and his siblings wanted to seethe Hall survive and came up with asolution that allows that to happen. I’msure one person smiling down on all ofus today is Boots Ingram, a friend tothis organization like no other.”continued on page 22

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Page 22Across the Nation continued...The Hall has been facing a collectiveobligation of $4 million with themajority of it due in mid-2012. Therestructuring plan allows for the bulkof the obligation to be paid over a termthat reduces the monthly paymentsto what the Hall can afford. FirstSource Bank has significantly loweredits interest rate and restructured itsagreement. The Ingram family forgaveoverdue interest on its loan until afterthe bank is fully paid in 2016 andhas agreed to donate one dollar foreach two dollars of principal that isretired each month by the scheduledpayments beginning in August of 2016or by prepayments.The Ingrams announced a $100,000matching “Let’s Pay off the Bank”gift if a like amount can be raised byindividual donations before the end ofAugust 2012. “What the Ingrams andour banking partner and our dedicatedofficers have given the Hall is a newlife – a chance to survive during theseturbulent economic times,” saidGarpow.“The message to contributors isclear – you can contribute knowingyour money will not be wasted. Themuseum is no longer under threatto close. Those who contributecan be assured their money will beused smartly and their generosityrecognized,” Searer said.Join CMHI and other industrymembers in making contributions tothis wonderful treasure that showcasesthe strides made and history ofpioneers and leaders who have builttheir lives around this industry. Pleasesee adjacent “Building Our Heritage”contribution form.RV/MH Hall of Fame NamesDarryl Searer PresidentThe RV/MH Hall of Fame &Museum’s board of directors hasselected industry-veteran Darryl Seareras president and chief operating officer(COO), according to Chairman of theBoard Bill Garpow.Searer of Ultra-Fab Products, Inc.,and Hall of Fame member (Class of2008) is former treasurer and HallBoard member. Garpow said, “Withmore than 50 years experience in theindustry and his years of devotion tothe RV/MH Hall of Fame makes Seareran ideal candidate to bring the Hall ofFame out of its financial crisis and leadit into the future. We were especiallypleased that Darryl only agreed toaccept the appointment on a noncompensated,voluntary basis.”Searer started his career in the RVindustry at the age of 16, working inhis father’s business, Elkhart Rivetand Register. He has also beenVice President of Marketing andSales for the Dometic Corporation;President and Owner, MHS Supply,and Chairman of Ultra-Fab Products,Inc. Darryl was the key architect of thecontinued on page 23

Page 23Across the Nation continued...agreement with the Ingram family andFirst Source Bank.Searer said, “I am pleased for theopportunity, as challenging as it is,because the Hall of Fame is too greatan asset to the RV and ManufacturedHousing industries to allow it to fadeaway.”About the RV/MH Hall of Fame- The RV/MHHeritage Foundation was formed on March22, 1972 by a group of trade and consumermagazine publishers attending the MHMAmeeting in Washington, D.C. In early 2007, theFoundation moved into its new facility at 21565Executive Parkway in Elkhart. The 56,000 squarefoot brand new building houses the RV/MH Hallof Fame honoring industry leaders, a museumof vintage units from 1913 up to the 1970s, a GoRVing Hall showcasing the latest current models,an Exhibitors Hall where industry supply firmstell their company story, and the world’s largestlibrary of RV and manufactured housing relatedliterature and photos.4,139 New HUD CodeHomes Shipped in February2012In the month of February 2012,4,139 new manufactured homeswere shipped, up 43.5 percent fromFebruary 2011. Increases wereacross the board with shipments ofboth single-section and multi-sectionhomes up compared with the samemonth last year. Single-section homesaccounted for the largest portion ofthe increase, with shipments up 60.4percent compared with the February2011 figures.Compared with the prior year,2012 recorded shipment increases inJanuary and February. For the first twomonths of this year, shipments totaled8,084 homes compared with 5,661homes in 2011, a net increase of 42.8percent.The seasonally adjusted annual rate(SAAR) of shipments was 63,111 inFebruary 2012, up 2.1 percent fromJanuary 2012, which had 61,802shipments. The SAAR correctsfor normal seasonal variations inshipments and projects annualshipments based on the currentmonthly total.Total floors shipped in February2012 were 6,245, an increase of 38.0percent over February 2011. Thenumber of plants reporting productionin February was 122, one more than inJanuary. The number of manufacturingcompanies stands at 46, also one upfrom January.Source: Manufactured Housing InstituteStabenow Amendment toExtend the ENERY STAR TaxCredit for Manufactured andModular Homes Defeated inthe SenateOn March 14, 2012, the proposedStabenow amendment to the Senate’ssurface transportation reauthorizationlegislation (S. 1813) that would renewthe Energy Efficient Home Tax Credit(I.R.C. 45L) was defeated in the Senate.The Stabenow amendment deadlockedat 49-49.The opposition was led by SenatorJim DeMint (R-SC) who wanted manyof the renewable and clean energyincentives sunsetted. Proponentsof the tax incentives will now haveto regroup and decide upon anotherlegislative approach to extend thetax credits beyond 2011. MHI iscommitted to working with lawmakers,including Majority Leader Harry Reidof Nevada, Finance Chairman MaxBaucus of Montana and SenatorOlympia Snowe of Maine, to finda path forward to extend the NewEnergy Efficient Home Tax Credit formanufactured and modular homes.Specifically, the Stabenowamendment would have extendedthe new energy efficient homes taxcredit, the efficient existing homestax credit, and the offshore windinvestment tax credit. The New EnergyEfficient Home Tax Credit (I.R.C. 45L)for manufacturers who build energyefficient homes expired on December31, 2011.Manufacturers who build ENERGYSTAR homes were eligible to receive$1,000 tax credit while modular homebuilders were eligible to receive a$2,000 tax credit by exceeding theInternational Energy ConservationCode (IECC) by 50 percent.Source: MHI News Wire – April 2012New Idaho Plant to MeetGrowing Demand ofModular Housing in EnergyATCO Structures & Logistics willbe opening a 200,000 square-footmanufacturing plant in Idaho, theCanadian company’s third U.S.production facility. CEO Harry Wilmothas said that “a committed and skilledworkforce will be key to the successof the plant which will crank outmodular housing to accommodateoilfield workers”. “As a result,” headded, “ATCO will work with the localcommunity to hire the most skilledtrade people and production workersavailable.” Several production workersand office staff were hired includingmore than 150 full-time employees,including carpenters, electricians, andplumbers. The facility is expected tobegin operations in June 2012.Source: MHI News Wire – April 2012

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Page 25ManuFacts is a bi-monthly newsletterpublished by the CaliforniaManufactured Housing Institute (CMHI)exclusively for member companies.CMHI is a nonprofit trade associationrepresenting companies that build, selland finance factory constructed homesand manage factory constructed homecommunities; and supply goods andservices to the industry.The Institute was founded to advancethe availability and ownership ofquality, high- value homes, marketedby licensed retailers, by promoting thepurchase of factory constructed homesand the development of desirablesites and communities in California.The Institute’s public, governmentand consumer relations programs aredirected toward these goals.CMHI Chairman - Gary L. Barr,Alpert, Barr & Grant APLCCMHI President - Jess MaxcyCMHI Foundation President - JessMaxcyPublished at - 10630 Town CenterDrive, Suite 120, RanchoCucamonga, CA 91730Telephone (909) 987-2599Fax (909) 989-0434www.cmhi.orgLawrence O.McDermottCalifornia—RCE 23107—LS 3905www.mobilehomeparkdesignexpert.comMobile Home Park DesignEntitlements—Planning—Title 25 ExpertCivil Engineering—Utility EngineeringACSM/ALTA SURVEYS7 ~ 10 DAY SERVICE40 YEARS EXPERIENCEMOBILE HOME PARKSCOMMERCIALProject Overview ReportsGeneral Property InformationPhysical CharacteristicsUtility Systems InformationFacility Conditions—Cost Estimates18075 LaVentana, Murrieta, CA, 92562(951)304-0111 (951)696-5218 FaxE-mail:larry0007@verizon.netRETAILER TOOL KIT NOWON CMHI.ORGCMHI is committed to your business’success. We’ve added the ability topost your manufactured homes for saleon the CMHI website.CMHI.org sees a tremendous amountof traffic from consumers looking forinformation on manufactured homes.These potential customers can nowsee your homes for sale while browsingfor other industry related information.The Retailer Tool Kit (RTK) is aservice based product that allowsyou to upload homes for sale to yourwebsite without the need of costlywebmasters or in a manner that lacksthe professional edge provided from atrained designer.The RTK resizes your images, createsslideshows and updates inventory in aneasy to use manner.The RTK is a product of SGDesignwhich has 16 years industry experiencehelping businesses succeed on theInternet. The RTK is being offered to allCMHI Retailers free of charge.Simply login at :http://RetailerToolKit.comand use your current CMHI Memberuser and password.There is a limitation of 3 homes whenused with CMHI.org. The full RTKSubscription provides unlimited homesas well as many other special featuresto make your website successful.Please see the RTK website for moredetails or contact Steve Guluk at(949) 661-9333.

Page 26Make Money by HelpingCustomers Save MoneySouthern California Edison is now offering home retailers and communitiesa $500 incentive for selling new ENERGY STAR® manufactured homesThe ENERGY STAR® Manufactured Housing Program is a win-win for home buyers and sellersalike, with customers purchasing a more comfortable and efficient home that will help lowertheir monthly energy bills, and now the rebate for home retailers and communities to help offsetsome of the costs associated with upgrading to ENERGY STAR.Participation Benefits• Market differentiation• Marketing and outreach support• Potential for local and nationalrecognitionSign Up TodayReceive free marketing materials• Brochures• Sales video DVD• Window decals• FlagsFor More InformationSouthern California Edison CompanyMonica Leong1-626-622-9182Email scenewhomes@sce.comFOR OVER 100 YEARS…LIFE. POWERED BY EDISON.

Special FeatureADA Compliance is YourChoiceWaiting to Be Sued: A StrategyThat Triples the Cost of an ADADisputeBy: Terry R. Dowdall, Esq.the usual litigation defense procedure.And since prevailing defendants are notentitled to attorney’s fees as a generalrule, money spent litigating a defenseis very wasteful-better to invest in thecure to the problem.Your CASp inspector may be hiredby counsel so that the report isarguably retained in attorney clientprivilege. When contracting forADA compliance, it is wise to haveknowledgeable counsel check theplans. California has more stringentrequirements for ADA compliancethan federal regulations. Only theCalifornia regulations should beused in complying with ADA. Theserequirements are contained in the latestversion of Title 24. Title 24 is availablefor purchase from several sources.Page 27for commercial email, establishesrequirements for commercialmessages, gives recipients the rightto have you stop emailing them, andspells out the penalties for violations.Despite its name, the CAN-SPAMAct doesn’t apply just to bulk email. Itcovers all commercial messages, whichthe law defines as “any electronic mailmessage the primary purpose of whichis the commercial advertisement orpromotion of a commercial product orservice,” including email that promotescontent on commercial websites. Thelaw makes no exception for businessto-businessemail. That means allemail – for example, a message toformer customers announcing a newproduct line – must comply with thelaw.Snapshot: Many property ownersdo nothing about the ADA until servedwith a lawsuit. Then a cure is effected,the case settled, the attorneys feespaid. This is not a wise practice.A common thorn in management’srose is the ADA claim, from residentsand the general public alike, thatthe park does not comply with ADAaccessibility requirements. Unless apark owner willingly converts the parkfacilities to public accommodations,the park is not subject to the ADAexcept in very limited respects.The park office, the parking lot infront of the office and the path of travelfrom the parking lot to the park officemust be ADA compliant (unobstructedpath of travel plus proper signage andaccess).In California, a property ownercovered by the ADA may obtain aninspection before suit. A CertifiedAccess Specialist Program consultant(“CASp”) can inspect and insulate youfrom claims while guiding you to ADAcompliance. As a practical matter,ADA claimants do not pursue CASpinspected properties. If a CASp reporthas been done, you may immediatelystop a lawsuit, and schedule an earlyevaluation conference. This may bringabout immediate settlement. Thesavings is considerable compared toConclusion:It is less expensive to retain a CASpconsultant, conduct an inspection,remedy any deficiencies and then postthe CASp inspection notice to showthe world that the park complies. Thisis a virtual guarantee against ADAclaims in your park.The other common approach is todo nothing, wait for a claim to be filed,retain counsel for a defense, determinethat you are out of compliance, thensettle the case. If you do not alsoremedy the offensive conditions, youwill await the next claimant in line. Toavoid copy cat claims, the remedymust also be undertaken.For more information, contact: TerryR. Dowdall, Esq., Dowdall Law Offices,A.P.C. (714)532-2222; (916)444-0777;trd@dowdalllaw.net.Source: Park Watch – January 2012Does Your Company useEmail?What You Should Know Aboutthe CAN-SPAM ActImposed by the FTC, the CAN-SPAM Act is a law that sets the rulesEach separate email in violationof the CAN-SPAM Act is subjectto penalties of up to $16,000, sonon-compliance can be costly. Butfollowing the law isn’t complicated.Here’s a Rundown of CAN-SPAM’s Main Requirements• Don’t use false or misleadingheader information. Your “From,”“To,” “Reply To,” and routinginformation – including originatingdomain name and email address –must be accurate and identify theperson or business who initiated themessage.• Don’t use deceptive subjectlines. The subject line must accuratelyreflect the content of the message.• Identify the message as an ad.The law gives you a lot of leeway inhow to do this, but you must discloseclearly and conspicuously that yourmessage is an advertisement.• Tell recipients where you arelocated. Your message must includeyour valid physical postal address.This can be your current streetaddress, a post office box you’veregistered with the U.S. Postal Service,or a private mailbox you’ve registeredwith a commercial mail receivingagency established under PostalService regulations.continued on page 28

Page 28Special Feature continued...• Tell recipients how to opt outof receiving future emails from you.Your message must include a clearand conspicuous explanation of howthe recipient can opt out of gettingemail from you in the future. Craftthe notice in a way that’s easy for anordinary person to recognize, read andunderstand. Creative use of type size,color, and location can improve clarity.Give a return email address or anothereasy Internet-based way to allowpeople to communicate their choice toyou. You may create a menu to allowa recipient to opt out of certain typesof messages, but you must includethe option to stop all commercialmessages from you. Make sure yourspam filter doesn’t block these opt-outrequests.• Honor opt-out requestspromptly. Any opt-out mechanismyou offer must be able to process optoutrequests for at least 30 days afteryou send your message. You musthonor a recipient’s opt-out requestwithin 10 business days. You cannotcharge a fee, require the recipient togive you any personally identifyinginformation beyond an email address,or make the recipient take any stepother than sending a reply email orvisiting a single page on an Internetwebsite as a condition for honoring anopt-out request. Once people havetold you they don’t want to receivemore messages from you, you can’tsell or transfer their email addresses,even in the form of a mailing list. Theonly exception is that you may transferthe addresses to a company you’vehired to help you comply with the CAN-SPAM Act.• Monitor what others are doingon your behalf. The law makes clearthat even if you hire another companyto handle your email marketing,you can’t contract away your legalresponsibility to comply with the law.Both the company whose product orservices promoted in the messageand the company that actually sendsthe message may be held legallyresponsible.You may have noticed that CMHIrecently started using specially createdemail templates for membershipemails. These templates weredesigned by Stephen Guluk, SGDesign,CMHI’s webmaster. As you will notice,at the bottom of the template is therequired opt-out mechanism.For More InformationThe Federal Trade Commission (FTC)works for the consumer to preventfraudulent, deceptive, and unfairbusiness practices in the marketplaceand to provide information to helpconsumers spot, stop, and avoidthem. To file a complaint or to getfree information on consumer issues,visit ftc.gov or call toll-free (877)FTC-HELP (877-382-4357). The FTCenters consumer complaints into theConsumer Sentinel Network, a secureSouthern California will get the lion’sshare of another national billion-dollarmarket in 1963. “We approached thebillion-dollar line nationally in 1962 insales of trailers, and this year we hopeto exceed it,” say James A. Strutzel,president, Trailer Coach Association.“Retail sales in the West formobilehomes, and travel trailers used forvacation and travel amounted to $359.3million in retail sales in 1962. This figurestands against the national sales figure of$920.5 million in retail sales.”Show Opens October 17, 1963Strutzel, loaded with statistics to backup the “largest” Annual Mobile Home& Travel Trailer Show set for October17th through October 20th at the GreatWestern Exhibit Center, says currentsales in the mobilehome and travel trailerindustry is 46% over 1962. “And 1962,”said Strutzel, “was the best year since thebanner year of 1959.”Innovations Coming“Nationally, there were 195,000 unitssold in 1962, with the West producingonline database and investigative toolused by hundreds of civil and criminallaw enforcement agencies in the U.S.and abroad.Source: FTC Facts for BusinessDisclaimer:Advertising Note: The content of anyadvertising insertion is prepared solelyby the advertising member. By insertion,CMHI does not endorse the product orservice being offered nor is it, in any way,responsible nor liable for the content ofany such advertisement.BACK TO THE FUTUREThis article was first printed in The Los Angeles Times on September 30, 1963$1 Billion Year Seen for Trailer Industry(of this figure) 44,130 mobilehomes and47,253 travel trailer units. A number ofinnovations are coming in the mobilehomephase of the industry,” says Strutzel.Three companies now are producingmobilehomes in the $50,000bracket,and while only a few are being sold,this is still considered a good market.“And we’re taking a good look at thevacation trailer market,” says Strutzel,who also is vice president of MayflowerTrailer Manufacturing Company. “Themanufacturers who thought this was afly-by-night market now are examining itthoroughly.”Strutzel says other companies, as wellas his own, are scrutinizing the possibilityof a two-story trailer. The two-story traileris designed and built that way; it is not acouple of trailers stacked up, he says. Andmobilehomes parked in high-rise garagescomprises yet another possibility in theface of high land costs, he said.Source: First Printed – The Los Angeles Times (Sept.30, 1963)

Special FeaturePage 29SEO 101by Stephen GulukWhat is it?SEO - Search Engine Optimizationis the means and methods used toposition your website in the mostadvantageous condition so as to beranked high when someone searchesfor the product you offer.HistorySecuring high ranking in SearchEngine Results Pages (SERPs) havealways been on website owners list ofrequirements. Back when I first started(1994) teaching people to createtheir own web pages for AOL, it wasrelatively simple to get a high rankingSERP. Keyword frequency seemed tobe the only algorithmic variable usedto determine which websites rankedthe highest. Stuffing a page full ofkeywords and even placing hundredsof white colored keywords on a whitebackground was acceptable andworked quite well.Over time, Netscape and Google,wanting to create a better experiencefor their users added to their algos(algorithms) to block those that weretaking advantage of the simplicityof the system. Obviously, if a searchengine cannot return the highestquality results pages to it’s customers,they’re not doing a very good job.Google ended up adding more andmore variables to their algos and theycontinue to update them on a regularbasis. Exactly how many variables theyuse and exactly what they are, is aclosely guarded industry secret, thoughit is common knowledge that upwardsof 50 different variables are used whenyou perform a basic search.How important?More than 80% of home buyers usethe internet as a tool when searchingfor their next home(2008 NAR survey *).Should you?If a certain percentage of buyersuse a specific method of searching foryour product, it would seem wise toallocate a proportional amount of yourannual marketing budget to target thatmedium.How?Learn. Invest.Know your website. What areyour target keywords? Identify yourintended market/demographics andtry to figure what basic search phrasethose potential customers would usewhen looking for the product or serviceyou offer. From that perspective youcan isolate your keywords as well astest the keyphrase in a search engineto see where you rank. Make a note ofwhat page you are currently on so youcan chart your progress.Quick Tip 1: Google provides a freetool that suggests keywords. Put yourwebsite address in the appropriatefield to check what keywords andkeyphrases may work well for you.Quick Tip 2: You can also use thistool to see what keywords are usedby those listed higher in the ranks.Studying the competition is a usefultool for any SEO.After creating a list of keywords andkeyphrases that are going to be yourSEO Campaign targets, look at yourcurrent website and see where you canadd new, and replace less favorablekeywords. Write solid content that is ofvalue to your prospective customers oreven industry related content. Havingpeople link to your site is another factorsearch engines use to give you a higherrank. Conversely, keyword stuffing,or copying content from other sites(known as scrapping) will have yourrank lessened and even a full demotionfrom a search engine.Quick Tip 3: If you sell manufacturedhomes, and are an active memberof CMHI, you can add three of yourhomes to their site. It will give moreexposure to your listings, but alsoprovide a “link back” to your websiteadding favorable ranking over a similarsite when in contention for SERPresults.Invest in your website, eitherthe time it takes you to becomeknowledgeable or hire someone thatcan assist in these areas. Prices rangefrom several hundred per month tomultiple thousands per month. Grantedthere are all sorts of people out thereclaiming they can put you on thefront page of a search engine…butthat claim will never be stated by areputable company, as it is a changinglandscape with no guarantees on whatfactors will determine tomorrow frontpage results. But, if you have goodcontent, know and implement yourtarget keywords/phrases, and activelyenhance your website, your chancesof being in front of your competition isvery good.SEO is a long term investment. Yourwork today will give return benefitsfor many months or even years. Beingaware of what search phrases youexpect to rank high in, will allow you towrite better content for your website.The rush is on so don’t get leftbehind. Your competition will be morethan happy to take those front pagesearch engine positions if you aren’tactively positioning your website tooccupy those spots.* An overwhelming majority (87%) of recent homebuyers in the US say they used the internet asan information resource during their home-buyingprocess, and nearly one-third say they firstlearned about their newly purchased home froman online channel, according to a study from theNational Association of Realtors (NAR).Stephen Guluk is the owner ofSGDesign, an Internet Developmentcompany that produces customapplications, websites and onlinemarketing campaigns.

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Page 32Programs...Manufactured home lending—IT’S ALL WE DO. Our expertise in this market helps us create programsthat are tailor-made to fit your customers’ needs. Call today to discuss which financing option bestmeets your needs and those of your customers. We are excited to offer you a variety of choices!Chattel Home Loan Purchase and Refinance• New or Resale, Refinance and Cash Out• Single and Multi-section homes• Park Model homes—new and resale• 2nd Home/Vacation Home financing• Loan options for homes 1970 and newerSAFE Act compliant financing options• Solutions for brokers, retailers, communities and realtors• Direct to consumer lending available• Custom SAFE compliant solutions for community owners• We fund and service ALL our loans• Competitive rates fixed for up to 20 yearsMAKE THE CALL—SEAL THE DEALJean Lewis x6215Deanna Imhof x6216866-595-7228 www.cufbl.comMANUFACTURED/MOBILE HOME LOANS IN PARKLand IN and PARK Home LOANS LoansPURCHASE & REFINANCEHUD & PRE-HUD HOMES (1970 OR NEWER)SINGLE & MULTIWIDE“BUY FOR PROGRAM”ALTERNATIVE DOC PROGRAMNOW ALSO LOOKING AT LOWER FICO SCORECUSTOMERSLAND AND HOME COMBINATION PROGRAMCONDOMINIUM PARKSPUD’SLAND & HOME COMBINATIONSCONFORMING & NONCONFORMINGPERM FOUNDATION NOT REQUIREDPRE-HUD HOMES O.K.SINGLEWIDE O.K.ALTERNATIVE DOC PROGRAM“BUY FOR PROGRAM”WE PRE-QUALIFY! WE TAKE CREDIT APPLICATIONS!----------------------NOW SERVING ALL OF CALIFORNIA -------------HOME OFFICE 1-800-655-9044CFLBROKER603-0163 USFNMLS111626 DREBROKER01011643 MLOCA-DOC3038023MLOCADOC11334132861 Camino Capistrano, Suite D, San Juan Capistrano, CA 92675Phone 949-661-9044 Fax 949-661-9002One Less Worry,With Barry AtYour Side!Barry Cole hasover 30 years ofexperience inCalifornia'smanufacturedhome marketplace.License # 0D808241-866-MHIS111bc@mhis.infowww.mhis.infoBuying a manufactured home is stressfulenough without the added hassle of findingproper insurance. At MHIS, we partner withAmerican Modern Insurance Company to makeinsurance easy for you:✔ No Broker Fees✔ Vacant/Spec. Homes✔ Rental or Seasonal Homes✔ Specialists in Course of Construction/Builders Risk insuranceDon't Sweat the Insurance.Call Today!Follow us onFacebook!