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Manufactured Housing Supply and Financing
featuring HUD and FHA webinar

 

Complimentary Webinar

Original Air Date: November 8, 2022

Manufactured housing has become a popular alternative for first-time homebuyers and others to achieve affordable homeownership. These homes are constructed according to the Manufactured Home Construction and Safety Standards, commonly referred to as the HUD Code. The HUD Code is administered by the U.S. Department of Housing and Urban Development’s Office of Manufactured Housing Programs to ensure the safety and quality of the nation’s manufactured housing stock, while the the Federal Housing Administration (FHA), also part of HUD, insures mortgages for manufactured homes titled as real estate and loans for the purchase of manufactured homes titled as personal property.

Watch as experts from HUD’s Office of Manufactured Housing Programs and FHA review these programs and discuss:

  • Manufactured homes versus site-built homes
  • Modern building standards required by the HUD Code
  • How FHA insurance programs support affordable financing of manufactured homes
  • And much more!

 

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Featured Instructors Moderator

Teresa Payne
Administrator
Office of Manufactured Housing Programs, Office of Housing, U.S. Department of Housing and Urban Development

Ms. Payne has been with the Department of Housing and Urban Development since 1996. She began her career at the Department as an attorney in the Office of General Counsel where she worked primarily in the RESPA enforcement and RESPA policy areas. As a staff attorney, Ms. Payne also served as co-counsel for the Department’s first successful administrative action against a landlord for violations of the Lead Based Paint Disclosure Rule.

Ms. Payne served as the Director of Housing’s Office of Business Development where she was responsible for designing, creating and implementing a nationwide Account Liaison team. She was promoted to Associate Deputy Assistant Secretary for the Office of Regulatory Affairs and Manufactured Housing.

Since 2018, she has served as the Administrator for the Office of Manufactured Housing Programs, overseeing the National Manufactured Housing Safety and Standards Act. The program regulates over 140 nationwide manufacturing plants, 33 State Administrative Agencies, 12 third party inspection agencies, and nationwide installation programs and dispute resolution programs.

Ms. Payne obtained her law degree from George Mason University and her B.A. from the College of William and Mary.

Esther Yamashiro
Housing Program Officer
Santa Ana Homeownership Center, Federal Housing Administration, U.S. Department of Housing and Urban Development

Esther Yamashiro joined the Santa Ana Homeownership Center (SAHOC) in 2008 as an underwriter. She became a Branch Chief in the Processing and Underwriting Division in 2012, where she led the Lender Training Team. She also worked on several initiatives developing policy and processes during this time. She brings her experience in Single Family policies and programs to her current position as the Housing Program Officer for SAHOC with a focus on Education and Outreach. Prior to joining SAHOC, Esther spent 22+ years in private sector mortgage loan origination, underwriting and funding.

 

Erica Peterson
Editorial Director
October Research, LLC


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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