{"id":9383,"date":"2014-12-17T18:59:12","date_gmt":"2014-12-18T00:59:12","guid":{"rendered":"http:\/\/manufacturedhomepronews.com\/masthead\/?p=9383"},"modified":"2014-12-17T18:59:12","modified_gmt":"2014-12-18T00:59:12","slug":"captive-financing-and-selling-more-manufactured-homes","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/captive-financing-and-selling-more-manufactured-homes\/","title":{"rendered":"Captive Financing and Selling more Manufactured Homes"},"content":{"rendered":"<p><span style=\"color: #222222;\"><span style=\"font-family: arial, sans-serif;\"><span style=\"font-size: small;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Captive Finance is back in the spotlight. \u00a0We did a previous in-depth report that covered a variety of perspectives on &#8216;buy here, pay here&#8217; lending, <a href=\"http:\/\/www.mhpronews.com\/home\/featured-articles\/august-2013\/5983-manufactured-housing-and-captive-finance-can-it-be-done-successfully-in-todays-environment-part-ii\" target=\"_blank\">linked here<\/a>. \u00a0This month, the article by manufactured home lending veteran, Josh Ducharme, is getting the attention. Maybe that&#8217;s because reportedly hundreds are still using what Josh and others think is risky business? \u00a0<a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/cash401k2012flickrcreativecommonscredit-daily-business-news-mhpronews-com-573x430.png\"><img decoding=\"async\" class=\"alignright  wp-image-9385\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/cash401k2012flickrcreativecommonscredit-daily-business-news-mhpronews-com-573x430.png\" alt=\"cash401k2012flickrcreativecommonscredit-daily-business-news-mhpronews-com--573x430\" width=\"256\" height=\"192\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/cash401k2012flickrcreativecommonscredit-daily-business-news-mhpronews-com-573x430.png 573w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/cash401k2012flickrcreativecommonscredit-daily-business-news-mhpronews-com-573x430-150x112.png 150w\" sizes=\"(max-width: 256px) 100vw, 256px\" \/><\/a><\/span><\/span><\/span><\/span><\/span><\/p><div id=\"manuf-1296026410\" 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><span style=\"color: #222222;\"><span style=\"font-family: arial, sans-serif;\"><span style=\"font-size: small;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Discover <a href=\"http:\/\/www.MHProNews.com\/home\/industry-news\/industry-in-focus\/8793-stop-stressing-about-captive-finance-buy-here-pay-here-loans-vs-successful-manufactured-housing-lending\" target=\"_blank\">Josh&#8217;s well laid out thinking, linked here<\/a>.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">One point we want to underscore is the notion of the risk of fines. The CFPB seems to love them, j<a href=\"https:\/\/www.manufacturedhomepronews.com\/hefty-fines-prove-risks-of-violating-the-cfpbs-lo-comp-rules\/\" target=\"_blank\">ust click the image shown or this link here<\/a>.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">When Josh offers a common sense option, why not take the safe path? <\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Failing to do so could cost a community operator huge fines \u2013 or even their property. MHProNews&#8217;<\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">concern has been and will continue to be that those making captive finance loans are taking a serious and AVOIDABLE risk. <\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We therefore applaud Josh&#8217;s public posture. <\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>MH Image and Boosting Home Sales<\/b><\/span><\/span><\/span><\/p>\n<p style=\"text-align: center;\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/manufactured-home-living-news_com-laptop-1.png\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter  wp-image-9386\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/manufactured-home-living-news_com-laptop-1.png\" alt=\"manufactured-home-living-news_com-laptop-(1)\" width=\"331\" height=\"249\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/manufactured-home-living-news_com-laptop-1.png 450w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/manufactured-home-living-news_com-laptop-1-150x112.png 150w\" sizes=\"(max-width: 331px) 100vw, 331px\" \/><\/a><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: arial, sans-serif;\"><span style=\"font-size: small;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">The image and education issue is once more attracting attention and interest. \u00a0Please see <a href=\"http:\/\/www.MHProNews.com\/blogs\/industryvoices\/?p=2240\" target=\"_blank\">Nancy Geer&#8217;s interesting article on the topic, linked here<\/a>. \u00a0<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Your Masthead scribes&#8217; thoughts on this can be seen be scrolling down though the last three columns. Is there behind the scenes movement on these issues? Will there be something new develop in 2015? <\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We&#8217;ll let you know.<\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>Terrific Tunica!<\/b><\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Speaking of news, we will share an update with you on developments for the Tunica Show, which we should be go to share by this time next week. Please stay tuned.<\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>Oil and MH &#8211; Impact?<\/b><\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/oil-rigs-creditJim-WilsonTheNew-YorkTimes-posted-daily-business-news-mhpronews-com-.jpg\"><img decoding=\"async\" class=\"alignleft  wp-image-9387\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/oil-rigs-creditJim-WilsonTheNew-YorkTimes-posted-daily-business-news-mhpronews-com--575x371.jpg\" alt=\"oil-rigs-creditJim-WilsonTheNew-YorkTimes-posted-daily-business-news-mhpronews-com-\" width=\"298\" height=\"192\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/oil-rigs-creditJim-WilsonTheNew-YorkTimes-posted-daily-business-news-mhpronews-com--575x371.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/oil-rigs-creditJim-WilsonTheNew-YorkTimes-posted-daily-business-news-mhpronews-com--150x96.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/oil-rigs-creditJim-WilsonTheNew-YorkTimes-posted-daily-business-news-mhpronews-com-.jpg 675w\" sizes=\"(max-width: 298px) 100vw, 298px\" \/><\/a>It seems that our friends at the TMHA have had their eyes on a topic we have too. Namely, what is the impact of the slide of oil on MH? We have two reports on that subject, please see those linked below.<\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: arial, sans-serif;\"><span style=\"font-size: small;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/with-oil-prices-still-falling-whats-the-outlook-and-impact-on-manufactured-housing\/\" target=\"_blank\">With Oil Prices Still Falling, What&#8217;s the outlook and impact on Manufactured Housing?<\/a> &#8211; by Sandra Lane.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"color: #222222;\"><span style=\"font-family: arial, sans-serif;\"><span style=\"font-size: small;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/www.mhpronews.com\/blogs\/daily-business-news\/consumers-happier-but-crude-slide-bad-for-oil-companies-and-impact-on-manufactured-housing\/\" target=\"_blank\">Consumers Happier, but Crude Slide bad for oil companies, and impact on Manufactured Housing<\/a> &#8211; by Josie Thompson.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>Something else rising&#8230;<\/b><\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Our readership has been rising steadily since we first launched, and while there are some seasonal\/holiday<\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">peaks and valleys, the overall trend has been one of steady, year over year growth. That said, the increasing readership and overall positive feedback on the revised <a href=\"http:\/\/www.mhpronews.com\/blogs\/daily-business-news\/\" target=\"_blank\">Daily Business News<\/a> (DBN) format has been noteworthy.<\/span><\/span><\/span><\/span><\/p>\n<p style=\"text-align: center;\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/shutterstock-ipadcredit-daily-business-news-mhpronews-com-774x466-a-575x3461.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-9388\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/shutterstock-ipadcredit-daily-business-news-mhpronews-com-774x466-a-575x3461.png\" alt=\"shutterstock-ipadcredit-daily-business-news-mhpronews-com-774x466-a-575x346\" width=\"314\" height=\"189\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/shutterstock-ipadcredit-daily-business-news-mhpronews-com-774x466-a-575x3461.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/shutterstock-ipadcredit-daily-business-news-mhpronews-com-774x466-a-575x3461-150x90.png 150w\" sizes=\"(max-width: 314px) 100vw, 314px\" \/><\/a><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">If you aren&#8217;t already one of the thousands who logon daily to check out the DBNs, you are missing out! What you&#8217;ll see in the revised DBN stories are more clear indications that manufactured housing, properly promoted, can and should be a big player in the future of American home building. <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">You&#8217;ll also pick up on ideas you could be putting to work in YOUR market to boost YOUR bottom line results. <\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We can do better than the low levels of sales we are experiencing now! We&#8217;ll cover this more in the weeks ahead, and you&#8217;ll get amazing insights that can boost your bottom line if you are coming the the <a href=\"http:\/\/louisvillemanufacturedhousingshow.com\/sessions-added-free-business-building-educational-seminars\/\" target=\"_blank\">Seminars at the 2015 Louisville Show<\/a>. Just over a month way, come by our booth their and please take advantage of all the free education for industry pros! ##<\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">(Image credits: as shown by clicking on each image)<\/span><\/span><\/p>\n<p><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/09\/la-tony-kovach-latonykovach-com-.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-9028\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/09\/la-tony-kovach-latonykovach-com-.jpg\" alt=\"la-tony-kovach-latonykovach-com-\" width=\"126\" height=\"127\" \/><\/a>By L. A. \u201cTony\u201d Kovach.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Captive Finance is back in the spotlight. \u00a0We did a previous in-depth report that covered a variety of perspectives on &#8216;buy here, pay here&#8217; lending, linked here. \u00a0This month, the article by manufactured home lending veteran, Josh Ducharme, is getting the attention. Maybe that&#8217;s because reportedly hundreds are still using what Josh and others think &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/captive-financing-and-selling-more-manufactured-homes\/\"> <span class=\"screen-reader-text\">Captive Financing and Selling more Manufactured Homes<\/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":[3776,634,2166,3774,3773,3649,569,3775,1526],"class_list":["post-9383","post","type-post","status-publish","format-standard","hentry","category-news-analysis","tag-2015-louisville-show","tag-captive-finance","tag-cfpb","tag-home-sales","tag-josh-ducharme","tag-mh-image","tag-nancy-geer","tag-sandra-lane","tag-seminars"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Captive Financing and Selling more Manufactured Homes - 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\/captive-financing-and-selling-more-manufactured-homes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Captive Financing and Selling more Manufactured Homes - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"Captive Finance is back in the spotlight. \u00a0We did a previous in-depth report that covered a variety of perspectives on &#8216;buy here, pay here&#8217; lending, linked here. \u00a0This month, the article by manufactured home lending veteran, Josh Ducharme, is getting the attention. Maybe that&#8217;s because reportedly hundreds are still using what Josh and others think &hellip; Captive Financing and Selling more Manufactured Homes Read More \u00bb\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/captive-financing-and-selling-more-manufactured-homes\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. 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