{"id":1827,"date":"2011-06-08T17:49:45","date_gmt":"2011-06-08T22:49:45","guid":{"rendered":"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/tonykovach\/?p=1827"},"modified":"2011-06-08T18:25:04","modified_gmt":"2011-06-08T23:25:04","slug":"got-a-manufactured-housing-question-ask-an-expert","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/got-a-manufactured-housing-question-ask-an-expert\/","title":{"rendered":"Got a manufactured housing question?  Ask an expert!"},"content":{"rendered":"<p>One of the advantages of publishing an electronic trade journal like <strong><a href=\"http:\/\/www.mhmsm.com\/\">www.MHMSM.com<\/a><\/strong><strong> <\/strong>(aka <strong><a href=\"http:\/\/www.mhpronews.com\/\">www.MHProNews.com<\/a><\/strong>) is that over time, you built a list of experts as go-to resources on key topics. \u00a0Some experts are writing columns for us monthly or periodically.\u00a0 Some you can see on my <strong><a href=\"http:\/\/www.linkedin.com\/in\/latonykovach\">LinkedIn<\/a><\/strong> profile, but other experts and professionals are entirely invisible, behind the scenes.<\/p><div id=\"manuf-3548848459\" 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<p>All of these expert resources, seen and unseen, bring value to you, our Industry readers.\u00a0 You &#8211; our readers and experts &#8211; bring value to us, too. This is a symbiotic relationship that has considerable power and benefits all involved.<\/p>\n<p>When you see a blog post or a news article on a topic such as <a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/tonykovach\/dodd-frank-reality-check-what-is-its-true-impact-on-manufactured-housing\/\" target=\"_blank\"><strong>Dodd-Frank Reality Check: What is its true impact on Manufactured Housing<\/strong>,<\/a> I can go to a variety of resources for input.\u00a0 Once published, readers and other experts will ask questions or share comments that can make for interesting ongoing dialogue and further our mutual understanding.\u00a0 That in turn extends the benefits to readers and industry professionals.<\/p>\n<p>Some examples of questions or comments from readers and experts will help make the point:<\/p>\n<p><strong>Question:<\/strong><\/p>\n<p>Will Dodd-Frank impact all manufactured housing loans?<\/p>\n<p><strong>Answer.<\/strong><\/p>\n<p>Not directly.\u00a0 Dodd-Frank (DF) has certain triggers that will cause its regulations to apply.\u00a0 Those triggers include:<\/p>\n<ul>\n<li>high cost loans,<\/li>\n<li>high risk loans and<\/li>\n<li>so-called exotic loans.<\/li>\n<\/ul>\n<p><strong>Question<\/strong>:<\/p>\n<p>What if my chattel (personal property) lender does loans that not do have any of these triggers under Dodd-Frank?\u00a0 Is there still an impact on their lending?<\/p>\n<p><strong>Answer<\/strong>:<\/p>\n<p>Yes.\u00a0 There are compliance costs to Dodd-Frank, as would also be true with the SAFE Act.\u00a0 There are indirect impacts such as access to capital and higher capital costs.\u00a0 Your lender may need to hit certain loan volume numbers in order to be profitable.<\/p>\n<p>These are just some of the indirect impacts, even if your lender has no DF triggers.<\/p>\n<p>One lender has told me privately that it is almost as if lenders are being treated by regulators today as an enemy.\u00a0 The word is that it is getting harder and harder to make a profit.<\/p>\n<p>Without profit, capital flees to where it will get a better return.<\/p>\n<p>I&#8217;ll bet if I asked that question privately &#8211; <em>are lenders being treated like an enemy by some regulations? <\/em>&#8211; I&#8217;d not be surprised if many if not all in manufactured housing industry personal property lending would answer that with a resounding &#8216;yes.&#8217;<\/p>\n<p>What is ironic is that the very regulations designed to protect consumers are going to cost consumers access to financing they had prior to such laws as Dodd-Frank or the SAFE Act.<\/p>\n<p>In a number of cases, retailers and community operators would make loans to customers, perhaps through a captive finance (sister company, like GMAC is to GM) operation.\u00a0 But if the cost of doing business or the risk of heavy fines becomes too great, then those lenders and their loans will tend to disappear.<\/p>\n<p>Even a manufactured homeowner with good credit will be impacted by Dodd-Frank.\u00a0 Consider this example.<\/p>\n<p>Picture an MH owner that had A credit, and wanted to sell. \u00a0What if they had a buyer with sufficient down payment, but the buyer had a 600 credit score? \u00a0 Under Dodd-Frank if not amended, that sale will not likely happen.<\/p>\n<p>Who loses in the scenario above?<\/p>\n<p>Arguably, everyone.\u00a0 The current home owner can&#8217;t sell.\u00a0 The would-be buyer can&#8217;t purchase.\u00a0 The lender who would make the loan can&#8217;t do the deal.\u00a0 Even an MHC owner indirectly suffers, as frustration grows when a resident wants to sell and can&#8217;t.<\/p>\n<p>We must look at this issue from all perspectives, including the consumer&#8217;s viewpoint.<\/p>\n<p>Yes, we can argue that Dodd-Frank will hurt our business and it will hurt home owners.<\/p>\n<p>But what brought about the laws in the first place?\u00a0 Why did lawmakers pass these laws?\u00a0 Didn&#8217;t they have good intentions?<\/p>\n<p>Let me share some thoughts that have come my way from multiple sources.<\/p>\n<p>SAFE and DF were in born in part from the stated goal for &#8216;consumer protection.&#8217; \u00a0If MH professionals (and others who do lending) were not seen by some as &#8216;the enemy,&#8217; if we were seen instead as a friend to consumers, would modifying Dodd-Frank be as difficult?<\/p>\n<p>Would Dodd-Frank even exist?<\/p>\n<p>The power of manufactured housing lies largely untapped today.<\/p>\n<p>Manufactured homes can serve mid to upscale residential style customers.\u00a0 We are also uniquely able to serve a housing price point no other type of permanent housing construction can achieve. \u00a0We are greener, safer, more energy efficient than similar sized conventional construction.\u00a0 It has been proven time and again.<\/p>\n<p>We can make a great case for a properly run land-lease community too.\u00a0 Prospective home owners opt-in to a lifestyle that improves the quality of their life at a reduced cost of living.\u00a0 One can make the case that a well run land-lease (MHC) community saves tax payers dollars.<\/p>\n<p>So why do we have an image issue?<\/p>\n<p>In some cases, unhappy residents.\u00a0 In other cases, the endless repetition by the mainstream media of old, outdated facts or outright myths.<\/p>\n<p>This is why an <a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/tonykovach\/a-national-industry-image-campaign-discussion-starter\/\" target=\"_blank\"><strong>image\/PR\/marketing campaign<\/strong><\/a> is so important.\u00a0 In every <a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/INspiration\/working-together-%E2%80%93-a-teamwork-puzzle\/\" target=\"_blank\"><strong>puzzle<\/strong><\/a>, one piece is as important as the others.<\/p>\n<p>We talk about <a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/associations-directory\" target=\"_blank\"><strong>associations<\/strong><\/a> existing to <a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/tonykovach\/%e2%80%9cdont-show-this-to-warren-buffett-%e2%80%9d-the-latest-manufactured-housing-news-and-commentary\/\" target=\"_blank\"><strong>protect and promote<\/strong><\/a> manufactured housing.\u00a0 We need to be as involved in promotion as we are in protection!<\/p>\n<p><strong><a href=\"http:\/\/mhmsm.com\/11\/732\" target=\"_blank\">As some have commented<\/a><\/strong>, <strong>we do not need to wait for an industry-wide image campaign,<\/strong> as nice as that might be.<\/p>\n<p>Your business can do its own image campaign, as we have done for clients from border to border for many years.\u00a0 These image\/marketing\/PR efforts can be low cost, and high impact when properly conceived and executed.\u00a0 Done right, they are profitable and result in happy home owners.<\/p>\n<p>The kind of home owners you could count on to contact a legislator when you need them.<\/p>\n<p>One reason we have so many regulatory issues is that MH consumers are often not our &#8216;Raving Fans.&#8217; \u00a0They can be!\u00a0 They should be!<\/p>\n<p>We have the power to align our business interests with that of our customers.\u00a0 We can reduce or erase existing tension where it exists. This is not theory; this is experience talking, mine or that of others.<\/p>\n<p>When we have happy customers or residents, we have referrals.\u00a0 That is the best kind of marketing you can get.<\/p>\n<p>I often use the example of Apple to make the point.\u00a0 I love my iPhone.\u00a0 I am drafting this blog on my iPad.\u00a0 Millions love Apple products, from iPods to Macs and more.\u00a0 Why can&#8217;t we get the same type of enthusiasm for our homes and communities as Apple gets for its products?<\/p>\n<p>The answer is, we can.\u00a0 We have personally seen &#8216;angry&#8217; residents turn into allies and promoters, if, If, <strong><em>IF <\/em><\/strong>they are properly respected and dealt with professionally!<\/p>\n<p>Do not over promise.<\/p>\n<p>Do not under deliver.<\/p>\n<p>Do what you say you will do. \u00a0You do not have to do more, but do not do less.<\/p>\n<p>Taking care of the customer, having happy customers &#8211; that is the first rule of good business.<\/p>\n<p>If you need a hand at creating happy customers or more business, ask an expert. \u00a0We have plenty writing on our pages.\u00a0 If you do not know who to call, please call me &#8211; perhaps I can point you in the right direction.<\/p>\n<p>We are all in this together.<\/p>\n<p>One thing is certain.\u00a0 As we said in the <a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/tonykovach\/dodd-frank-reality-check-what-is-its-true-impact-on-manufactured-housing\/\" target=\"_blank\"><strong>last blog post<\/strong><\/a>, the clock is ticking.\u00a0 We need to act as rapidly as possible.\u00a0 Speaking for myself, I&#8217;m planning on meetings in tandem with other industry pros with legislators on key committees.<\/p>\n<p>How about you? Please share your action plan.\u00a0 You can share it publicly by posting on our comments, or privately by emailing me at <strong><a href=\"mailto:tony@mhmsm.com\">tony@mhmsm.com<\/a><\/strong>.\u00a0 Thanks for being part of the solution! \u00a0# #<\/p>\n","protected":false},"excerpt":{"rendered":"<p>One of the advantages of publishing an electronic trade journal like www.MHMSM.com (aka www.MHProNews.com) is that over time, you built a list of experts as go-to resources on key topics. \u00a0Some experts are writing columns for us monthly or periodically.\u00a0 Some you can see on my LinkedIn profile, but other experts and professionals are entirely &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/got-a-manufactured-housing-question-ask-an-expert\/\"> <span class=\"screen-reader-text\">Got a manufactured housing question?  Ask an expert!<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":3,"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":[1048,1010,656,634,1049,698,1050,1051,1052,1053,1054,1055,1056,1057,1058,1059,1060,1061,1062,247,482,1063,1064,1065,3,1066,1067,1068,1069,1070,1071,1020,1072,1073,606,1074,28,1075],"class_list":["post-1827","post","type-post","status-publish","format-standard","hentry","category-news-analysis","tag-action-plan","tag-apple","tag-associations","tag-captive-finance","tag-chattel-personal-property-lender","tag-dodd-frank","tag-electronic-trade-journal","tag-energy-efficient","tag-exotic-loans","tag-gm","tag-gmac","tag-happy-customers","tag-high-cost-loans","tag-high-risk-loans","tag-imagemarketingpr-efforts","tag-industry-readers","tag-industry-wide-image-campaign","tag-ipad","tag-iphone","tag-l-a-tony-kovach","tag-linkedin","tag-macs","tag-mageprmarketing-campaign","tag-manufactured-homeowner","tag-manufactured-housing","tag-manufactured-housing-industry-personal-property-lending","tag-manufactured-housing-loans","tag-manufactured-housing-question","tag-mhc-owner","tag-mid-to-upscale-residential-style-customers","tag-protect-and-promote","tag-raving-fans","tag-regulatory-issues","tag-retailers-and-community-operators","tag-safe-act","tag-tonymhmsm-com","tag-www-mhmsm-com","tag-www-mhpronews-com"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Got a manufactured housing question? Ask an expert! - 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\/got-a-manufactured-housing-question-ask-an-expert\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Got a manufactured housing question? Ask an expert! - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"One of the advantages of publishing an electronic trade journal like www.MHMSM.com (aka www.MHProNews.com) is that over time, you built a list of experts as go-to resources on key topics. \u00a0Some experts are writing columns for us monthly or periodically.\u00a0 Some you can see on my LinkedIn profile, but other experts and professionals are entirely &hellip; Got a manufactured housing question? Ask an expert! Read More \u00bb\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/got-a-manufactured-housing-question-ask-an-expert\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"article:published_time\" content=\"2011-06-08T22:49:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2011-06-08T23:25:04+00:00\" \/>\n<meta name=\"author\" content=\"L. 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