{"id":10082,"date":"2015-07-17T19:10:06","date_gmt":"2015-07-18T00:10:06","guid":{"rendered":"http:\/\/manufacturedhomepronews.com\/masthead\/?p=10082"},"modified":"2015-07-19T10:31:35","modified_gmt":"2015-07-19T15:31:35","slug":"new-cfpb-mandated-hpml-appraisal-rule-for-manufactured-housing-effective-july-18-2015","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/new-cfpb-mandated-hpml-appraisal-rule-for-manufactured-housing-effective-july-18-2015\/","title":{"rendered":"New CFPB Mandated HPML Appraisal Rule for Manufactured Housing effective July 18, 2015"},"content":{"rendered":"<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\">Our focus for today won&#8217;t be the wisdom or merits \u2013 pro or con \u2013 for the new Consumer Financial Protection Bureau (CFPB) imposed Appraisal Rule for manufactured housing that are going to be required on all High Priced Mortgage Loans (HPML). Rather, we will do a review of the information available for those thousands of manufactured housing professionals who have not attended an association meeting or webinar on this subject.<\/span><\/span><\/span><\/p><div id=\"manuf-2744517937\" class=\"manuf-content manuf-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3870480136270376\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-3870480136270376\" \ndata-ad-slot=\"\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<figure id=\"attachment_10088\" aria-describedby=\"caption-attachment-10088\" style=\"width: 430px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/FlickrCC-freeLuxomart-3DpeoplePostedMHLivingNews-com--e1437177917825.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-10088\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/FlickrCC-freeLuxomart-3DpeoplePostedMHLivingNews-com--430x430.jpg\" alt=\"FlickrCC-freeLuxomart-3DpeoplePostedMHLivingNews-com-\" width=\"430\" height=\"430\" \/><\/a><figcaption id=\"caption-attachment-10088\" class=\"wp-caption-text\">Thousands of manufactured housing professionals have not yet heard a live presentation on the rules that will go into effect on July 18, 2015. \u00a0Please make sure your colleagues have this article with links and read these time sensitive reports. \u00a0 Image credit Flickr Creative Commons, Luxomart.<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\">Let&#8217;s note before diving into what follows that we expect a report from DataComp on their approach to this in the next few days. Once that is in hand, we&#8217;ll rapidly bring that to your attention.<\/span><\/span><\/span><\/p>\n<figure id=\"attachment_10083\" aria-describedby=\"caption-attachment-10083\" style=\"width: 259px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/appraisal-graphic-dollar-sign-house-balanced-credit-AppraisalNewJersey-posted-masthead-blog-mhpronews-com-.jpg\"><img decoding=\"async\" class=\"size-full wp-image-10083\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/appraisal-graphic-dollar-sign-house-balanced-credit-AppraisalNewJersey-posted-masthead-blog-mhpronews-com-.jpg\" alt=\"appraisal-graphic-dollar-sign-house-balanced-credit-AppraisalNewJersey-posted-masthead-blog-mhpronews-com-\" width=\"259\" height=\"194\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/appraisal-graphic-dollar-sign-house-balanced-credit-AppraisalNewJersey-posted-masthead-blog-mhpronews-com-.jpg 259w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/appraisal-graphic-dollar-sign-house-balanced-credit-AppraisalNewJersey-posted-masthead-blog-mhpronews-com--150x112.jpg 150w\" sizes=\"(max-width: 259px) 100vw, 259px\" \/><\/a><figcaption id=\"caption-attachment-10083\" class=\"wp-caption-text\">Graphic credit &#8211; Appraisal New Jersey.<\/figcaption><\/figure>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\">I&#8217;d like to quote from John Walter&#8217;s thoughtful column describing a philosophy worth considering when new regulations &#8211; such as this one &#8211; are approached.<\/span><\/span><\/span><\/p>\n<p><strong><span style=\"color: #993300;\"><em><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">&#8220;Market forces often push in a direction to keep \u201cbusiness as usual,\u201d despite potential consequences with regulators. Other regulatory concerns, whether real or perceived, may prompt a move too far the other way. Some may even consider exiting from the business altogether. None of those responses speaks to sustainability as a lender or other manufactured housing stakeholders.<\/span><\/span><\/em><\/span><\/strong><\/p>\n<p><strong><span style=\"color: #993300;\"><em><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Fortunately, these are not the only options from which to choose.\u00a0<\/span><\/span><\/em><\/span><\/strong><\/p>\n<p><strong><span style=\"color: #993300;\"><em><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We can chose to accept and embrace regulation and change to enhance the experience of our business partners and consumers, or as we refer to them in the credit union world, members&#8230;we have accepted changes and leveraged&#8230;&#8221;<\/span><\/span><\/em><\/span><\/strong><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\">Please see his full column linked below, which actually embraces a business approach to regulations that goes beyond the Appraisal Rule.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/industry-news\/industry-in-focus\/9904-the-new-appraisal-rule-for-hpml-on-manufactured-homes-finding-the-good-in-regulation-and-change\"><span style=\"color: #000000;\">http:\/\/www.MHProNews.com\/home\/industry-news\/industry-in-focus\/<\/span><span style=\"color: #000000;\"><b>9904-the-new-appraisal-rule-for-hpml-on-manufactured-homes-finding-the-good-in-regulation-and-change<\/b><\/span><\/a><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\"><strong>NADAguides<\/strong> \u2013 along with <strong>DataComp<\/strong> \u2013 have been engaged from the early going in developing tools and resources that can work for manufactured housing retailers, brokers and MH Communities. Here is<strong> NADAguides<\/strong> in depth report, which includes a download at the end so you can see their graphics in their full glory. <\/span><\/span><\/span><\/p>\n<p><a href=\"http:\/\/www.MHProNews.com\/home\/industry-news\/industry-in-focus\/9907-solution-for-compliance-with-the-new-hpml-appraisal-rule-nadaguides-new-manufactured-home-price-tool\" target=\"_blank\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\">http:\/\/www.MHProNews.com\/home\/industry-news\/industry-in-focus\/9907<strong>-solution-for-compliance-with-the-new-hpml-appraisal-rule-nadaguides-new-manufactured-home-price-tool<\/strong><\/span><\/span><\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_10085\" aria-describedby=\"caption-attachment-10085\" style=\"width: 355px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/idivacredit-appraisal-evalutation-excellent-posted-mhpronews-masthead-blog-.jpg\"><img decoding=\"async\" class=\" wp-image-10085\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/idivacredit-appraisal-evalutation-excellent-posted-mhpronews-masthead-blog--573x430.jpg\" alt=\"idiva=credit-appraisal-evalutation-excellent-posted-mhpronews-masthead-blog-\" width=\"355\" height=\"267\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/idivacredit-appraisal-evalutation-excellent-posted-mhpronews-masthead-blog--573x430.jpg 573w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/idivacredit-appraisal-evalutation-excellent-posted-mhpronews-masthead-blog--150x113.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/idivacredit-appraisal-evalutation-excellent-posted-mhpronews-masthead-blog-.jpg 600w\" sizes=\"(max-width: 355px) 100vw, 355px\" \/><\/a><figcaption id=\"caption-attachment-10085\" class=\"wp-caption-text\">Image credit &#8211; idiva.<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><strong><span style=\"color: #000000;\">21<\/span><span style=\"color: #000000;\"><sup>st<\/sup><\/span><\/strong><span style=\"color: #000000;\"><strong> Mortgage Corp<\/strong> provided the following linked article, which has been among the read-hot reports in our Featured Articles found on the <strong><em>MHProNews<\/em><\/strong> home page.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/july-2015\/137-financing\/9809-new-consumer-financial-protection-bureau-appraisal-rule-effective-july-18-2015\"><span style=\"color: #000000;\">http:\/\/www.MHProNews.com\/home\/featured-articles\/july-2015\/137-financing\/9809-<\/span><span style=\"color: #000000;\"><b>new-consumer-financial-protection-bureau-appraisal-rule-effective-july-18-2015<\/b><\/span><\/a><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\"><strong>Triad Financial Service<\/strong>&#8216;s Don Sharp penned the following column which explains their approach to the QM issue, and how that ties into the Appraisal Rule. <\/span><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/july-2015\/137-financing\/9813-triad-financial-services-position-regarding-7-18-15-implementation-of-new-appraisal-rules\"><span style=\"color: #000000;\">http:\/\/www.MHProNews.com\/home\/featured-articles\/july-2015\/137-financing\/9813-<\/span><span style=\"color: #000000;\"><b>triad-financial-services-position-regarding-7-18-15-implementation-of-new-appraisal-rules<\/b><\/span><\/a><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\">Technically, Cody Pierce&#8217;s column is not tied to the new HPML rule. Rather, it highlights a subject that often arises for those doing land\/home deals using FHA, VA or USDA lending. Please see Cody&#8217;s insightful article, linked below.<\/span><\/span><\/span><\/p>\n<figure id=\"attachment_10086\" aria-describedby=\"caption-attachment-10086\" style=\"width: 235px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/BuyerMagnifyingGlassHouse-imagecreditBirminghamAppraisalBlog-posted-MastheadBlog-MHProNews-com-.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-10086\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/BuyerMagnifyingGlassHouse-imagecreditBirminghamAppraisalBlog-posted-MastheadBlog-MHProNews-com-.jpg\" alt=\"BuyerMagnifyingGlassHouse-imagecredit=BirminghamAppraisalBlog-posted-MastheadBlog-MHProNews-com-\" width=\"235\" height=\"214\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/BuyerMagnifyingGlassHouse-imagecreditBirminghamAppraisalBlog-posted-MastheadBlog-MHProNews-com-.jpg 235w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/07\/BuyerMagnifyingGlassHouse-imagecreditBirminghamAppraisalBlog-posted-MastheadBlog-MHProNews-com--150x137.jpg 150w\" sizes=\"(max-width: 235px) 100vw, 235px\" \/><\/a><figcaption id=\"caption-attachment-10086\" class=\"wp-caption-text\">Manufactured Housing Pros can take lemons and make them into lemonade. By leveraging the appraisals, it can be used as a tool to validate the purchase value of the home the shopper wants. Image credit &#8211; Birmingham Appraisal Blog.<\/figcaption><\/figure>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/july-2015\/137-financing\/9815-about-appraisals-on-fha-and-va-land-home-manufactured-housing-loans\"><span style=\"color: #000000;\">http:\/\/www.MHProNews.com\/home\/featured-articles\/july-2015\/137-financing\/9815-<\/span><span style=\"color: #000000;\"><b>about-appraisals-on-fha-and-va-land-home-manufactured-housing-loans<\/b><\/span><\/a><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\">Last and absolutely not least, a comprehensive look at QM, the HPML Appraisal Rule and <strong>CU Factory Built Lending<\/strong>&#8216;s approach to the issues is linked below.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/www.MHProNews.com\/home\/corp-press-releases\/9908-cu-factory-built-lending-and-the-new-hpml-appraisal-rule-for-manufactured-housing\"><span style=\"color: #000000;\">http:\/\/www.MHProNews.com\/home\/corp-press-releases\/9908-cu-factory-built-lending-and-the-new-hpml-appraisal-rule-for-manufactured-housing<\/span><\/a><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\">We&#8217;ll bring you additional information as it becomes available. No one brings you more up-to-date information on the stories that matter to MH Pros than MHProNews. <\/span><span style=\"color: #000000;\"><i><b>We Provide, You Decide.<\/b><\/i><\/span><span style=\"color: #000000;\"> \u00a9. ##<\/span><\/span><\/span><\/p>\n<figure id=\"attachment_9764\" aria-describedby=\"caption-attachment-9764\" style=\"width: 275px\" class=\"wp-caption alignleft\"><a href=\"http:\/\/manufacturedhomelivingnews.com\/from-entry-level-to-elegant-inside-look-at-the-louisville-manufactured-housing-show\/\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-9764\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/04\/LATonyKovach-Louisville-2015-mhpronews-com-275x156-11.jpg\" alt=\"LATonyKovach-Louisville-2015-mhpronews-com-275x156-1\" width=\"275\" height=\"156\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/04\/LATonyKovach-Louisville-2015-mhpronews-com-275x156-11.jpg 275w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2015\/04\/LATonyKovach-Louisville-2015-mhpronews-com-275x156-11-150x85.jpg 150w\" sizes=\"(max-width: 275px) 100vw, 275px\" \/><\/a><figcaption id=\"caption-attachment-9764\" class=\"wp-caption-text\"><a href=\"http:\/\/manufacturedhomelivingnews.com\/from-entry-level-to-elegant-inside-look-at-the-louisville-manufactured-housing-show\/\" target=\"_blank\">L. A. &#8220;Tony&#8217; Kovach shown here in an educational session in Louisville, KY.<\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\">By <a href=\"http:\/\/LATonyKovach.com\/\" target=\"_blank\">L. A. &#8216;Tony&#8217; Kovach<\/a>.<\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our focus for today won&#8217;t be the wisdom or merits \u2013 pro or con \u2013 for the new Consumer Financial Protection Bureau (CFPB) imposed Appraisal Rule for manufactured housing that are going to be required on all High Priced Mortgage Loans (HPML). Rather, we will do a review of the information available for those thousands &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/new-cfpb-mandated-hpml-appraisal-rule-for-manufactured-housing-effective-july-18-2015\/\"> <span class=\"screen-reader-text\">New CFPB Mandated HPML Appraisal Rule for Manufactured Housing effective July 18, 2015<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[5073],"tags":[2577,2166,3734,3872,4058,447,4053,4054,3993,4057,2838,4056,4055],"class_list":["post-10082","post","type-post","status-publish","format-standard","hentry","category-news-analysis","tag-21st-mortgage","tag-cfpb","tag-consumer-financial-protection-bureau","tag-cu-factory-built-lending","tag-datacomp","tag-fha","tag-hpml-appraisal-rule-for-manufactured-housing","tag-manufactured-housing-finance","tag-mobile-home-loans","tag-nadaguides","tag-triad-financial-services","tag-usda-mortgages","tag-va"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>New CFPB Mandated HPML Appraisal Rule for Manufactured Housing effective July 18, 2015 - Masthead L. A. &#039;Tony&#039; Kovach<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/new-cfpb-mandated-hpml-appraisal-rule-for-manufactured-housing-effective-july-18-2015\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New CFPB Mandated HPML Appraisal Rule for Manufactured Housing effective July 18, 2015 - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"Our focus for today won&#8217;t be the wisdom or merits \u2013 pro or con \u2013 for the new Consumer Financial Protection Bureau (CFPB) imposed Appraisal Rule for manufactured housing that are going to be required on all High Priced Mortgage Loans (HPML). Rather, we will do a review of the information available for those thousands &hellip; New CFPB Mandated HPML Appraisal Rule for Manufactured Housing effective July 18, 2015 Read More \u00bb\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/new-cfpb-mandated-hpml-appraisal-rule-for-manufactured-housing-effective-july-18-2015\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. 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