April/May 2006 - California Manufactured Housing Institute

Page
April/May 2006
A bi-monthly newsletter published exclusively for member companies
MACY HOMES...2005 RETAILER OF THE YEAR
David Durant & Jess Maxcy
No one leaves a longer lasting
impression on our customers than
a retailer. All potential buyers form
opinions and buying decisions based
on their first encounter with a retailer.
Therefore, our Retailer of the Year must
be someone we would want others to
emulate.
During the awards ceremony at
CMHI’s Annual Convention in San
Diego, Bob and David Durant of Macy
Homes in Ventura, were presented with
the 2005 Retailer of the Year Award by
Chairman Russ Williamson.
The Selection Committee, composed
primarily of past recipients makes their
selection from a list of nominees submitted
by CMHI members. The nominees
are evaluated based on customer
satisfaction, standards of ethical and
professional practice, attractive sales
center, model display and sales volume.
Established in 1951, Macy Homes
may be California’s oldest retailer of
Russ Williamson & Erik Bloemendaal
factory-constructed housing. Macy’s
has earned an excellent reputation for
customer satisfaction and after sale
service.
As the fifth recipient of the Retailer
of the Year Award, Macy Homes joins
5-Star Homes (2004), Cousin Gary
Homes (2003), Ideal Homes (2002) and
Dupar and Angel (2001) as retailers
who set the standard for our industry.
CMHI offers congratulations and
sincere appreciation to Bob and David
Durant and the entire team at Macy
Homes for their industry support and
leadership!
CMHI’S CHAIRMAN’S /
PRESIDENT’S AWARDS
2005 Chairman’s Award
Brad Waite and Jess Maxcy
CMHI Chairman, Russ Williamson
presented Erik Bloemendaal, a Manufacturer
Division member and General
Manager of the Fleetwood Homes of
California factory in Woodland, with the
2005 Chairman’s Award.
While serving on CMHI’s Board of
Directors for the past four years, Erik
represents the Manufacturer’s Division
with distinction and useful insight on issues
affecting our industry.
In addition to the excellent leadership
Mr. Bloemendaal has provided for one
of Fleetwood’s premiere manufacturing
centers, he organized last year’s very
successful factory tour and fundraiser
for a member of our legislature.
Erik has been with Fleetwood Homes
for 14 years. Prior to serving as General
Manager in Woodland for 8 years,
he was Quality Manager for the company’s
western region.
2006 President’s Award
Brad Waite, President of Land/Home
continued on page

Page
page continued...
Financial Services, is the recipient of
our 2006 President’s Award.
One of the most significant issues
facing our industry is adequate, competitive
and non-discriminatory financing
for our homes.
Brad has served on our Board of Directors
for the past two years and has
worked tirelessly at both the state and
national level on developing financing
products and safe guards for our lenders
and homeowners. He is currently
working with Fannie Mae on a test
project, which could ultimately bring
more and better financing options to
California purchasers of manufactured
homes.
CMHI sincerely thanks both Erik and
Brad for their support of our association
and industry.
Vince Pulsipher Retires

ViewPoint
Jess Maxcy
This year’s Annual Convention, in my
humble opinion, was a smashing success
and I would like to thank all who
attended. For those unable to be with
us, here is a brief review of last year’s
market and a forecast for 2006...
2005 IN REVIEW
Shipments
Shipments of 10,783 homes were up
5% and registrations at 9,412 homes
were up 2%.
Production
With California’s production of new
manufactured homes at 7,987 units, at
least 2,796 units were imported from
neighboring states. Actual imports
were a bit higher than 26% because
an unknown number of California
produced homes were shipped out of
state.
Primary Markets
Based on an analysis of registrations
detailing where new manufactured
homes were installed, last year Riverside,
San Diego and San Bernardino
Counties were our largest markets.
The state’s top ten counties accounted
for 62% of our new sales (see box).
Retailers
Last year, 403 retailers registered at
least one new home. Of those, the top
Page
100 accounted for 80% of our sales.
Sixty-three percent of our dealer body,
253 retailers, sold only one or fewer
new homes per month - 78 sold only
one all year! We might want to think
about those numbers as they relate
to proper sales techniques, escrows,
installations and customer service.
Resales
California has approximately 4,815
land-lease communities (parks) for
manufactured homes with about
367,361 spaces.
The actual number of resales is open
to some debate, but if we assume a
90% occupancy rate and a 10% turnover
then last year’s resales were about
33,000 homes. The same turnover
assumption for homes located outside
parks would yield an additional 28,000
for a total resale market of approximately
61,000 homes.
2006 OUTLOOK
The following forecast comes with
all the normal caveats. Obviously,
trends can take some unexpected and
continued on page 13
sking@northpacific.com

Page
Uncompromising Quality,
Value and Design
C O N T A C T
Gary Fortune, Sales Manager - Corona
Otis Orsburn, Sales Manager - Woodland
www.silvercrest.com • e-mail: info@silvercrest.com
299 North Smith Avenue • P.O. Box 759
Corona, CA 92878-0759
951/734-6610 • 800/382-0709
109 Pioneer Avenue
Woodland, CA 95776
530/662-9156 • 800/264-0010

Around California
CMHI WELCOMES NEW
MEMBERS
Retailer Division:
Creative Homes
Hans Hanson - Vista
Liberty Homes
Scott Brubaker - Escondido
Modular Home Pro
Joe Feeney - Escondido
Monarch Homes (Brynes, Inc)
Brian Alex – Orange
Move-in Homes LLC
Bob Gregoire – Davis
On the Level/Crest Homes
John Avedsen – Vista
Sunshine Manufactured Homes
John Kwon - Ventura
Supplier Division:
DANKAT Industries
Ray Trosper - Ontario
EXPRESS
ESCROW
COMPANY
EXPERTS IN PERFECTING TITLE
FOR PARK-OWNED HOMES
OREPAC Building Products
Don Schwindt - Wilsonville, OR
Pinnacle Transportation Systems
Don Shelby – Albany, OR
Community Owner/Developer
Division:
Water’s Edge Mobile Home Park
Dr. Ed Pomeroy - Villa Park
Desert Hacienda Homes
Agnes Itzhaki - Beverly Hills
F.A.S.T. Building System LLC
Gary Pomeroy - Newport Beach
Financial Services Division:
Jordan Insurance Services
Linda Burns - San Bernardino
Triad Financial Services:
Kathy Blalack - Keizer, OR
Bill Benson - Henderson, NV
Affiliate:
Oakland Community Housing, Inc.
Amanda Kobler - Oakland
CMHI TO HOST
RECEPTION FOR
SENATOR BATTIN
Page
CMHI’S Political Action Committee
has scheduled a reception for Senator
Jim Battin, 37th District, on May 12,
2006 at the Silvercrest/Western Homes
factory in Corona. This will be the first
reception to be held in their factory for
one of our key legislators.
Senator Battin was born and raised
in Billings, Montana. He is the son of
five-term Congressman and then U.S.
District Court Judge James F. Battin.
He spent much of his early years in
Washington, D.C. with his father and
family. His father was the first appointment
of President Nixon’s administration.
After high school graduation in 1980,
he attended the University of Oregon,
where he earned a
degree in Psychology.
It was during
his college years
that he met and
married his wife
Mary. In 1985, he
and Mary moved to
Riverside County,
where they are
raising their three
continued on page
C a l e n d a r o f E v e n t s
_
California’s leading authority on
technical issues concerning
manufactured housing
title and escrow
_
Mobile/manufactured home and
mobilehome park sales and
refinance escrows
_
2006
June 15
June 16
CMHI Executive Committee and
Board of Directors Meetings, Sheraton
Grand Hotel, Sacramento - Contact CMHI -
909-987-2599.
CMHI Foundation Golf Tournament, Lincoln
Hills Club, Sacramento - Contact CMHI -
909-987-2599.
Statewide service
7812 EDINGER AVE. _ SUITE 300
HUNTINGTON BEACH _ CA 92647
(800) 669-6925 _ FAX (714) 848-9174
info@ExpressEscrow.com
July 16-18
MHI Summer Meeting - Washington, D.C.
Contact MHI - 703-558-0400
August 19-27 Southern California Home & Garden Show -
Anaheim Convention Center, Anaheim, CA
Contact CMHI - 909-987-2599.

page continued...
children.
After nearly 10 years working as a
television executive with KMIR-TV, the
NBC television affiliate in Palm Desert,
he ran for the legislature. He was
elected to the State Assembly in 1994
and the Senate in 2000.
Senator Battin is working to create
jobs for Californians by streamlining
government regulations and reducing
the high tax burden that makes it difficult
for businesses to remain competitive.
He is an advocate for keeping
energy costs down and reforming the
criminal justice system. In 2004, he
worked hard to keep neighborhoods
and families safer by pushing for Online
Megan’s Law database for registered
sex offenders and child molesters. He
is working to restore educational excellence
in California’s classrooms.Senator
Battin is Vice-Chair of the Rules
Committee and serves on several other
committees including the Appropriations
Committee, the Colorado River
Committee and the Legislative Budget
Committee.
For reception and registration details,
please call Kim Lear at 909-987-2599.
Page
CMHI FOUNDATION HELPS
FAMILY WITH NEW HOME
On November 22, 2005, fire devastated
a Bishop family. Not only did the
Martinez Gonzalez family loose their
mobile home, they lost their 4-year old
and 8-year old daughters. Attempts by
the girl’s father to save them failed and
in his attempts he was critically burned.
He was hospitalized for several
months, but has made a full recovery.
The CMHI Foundation was contacted
by Bob Stark, owner, Tumbleweed
Manufactured Homes for a donation to
help the family receive a new manufactured
home. The Foundation donated
$5,000 toward the fundraiser, which
eventually raised $70,000 to purchase
the new home. A brand new 3 bedroom
Skyline home was delivered to
the family at Glenwood Mobile Home
Park in Bishop. The community volunteers
and employees of Tumbleweed
Manufactured Homes were there on
March 23rd to hand the family of five
their new keys.
It is because of the generous donations
of CMHI members that the
Foundation was able to make this gift.
“Thank you” to all of our donors and to
Bob Stark for making this new home a
possibility.
For more information about the
Foundation, please contact Jess
Maxcy, CMHI Foundation President at
909-987-2599.
HISPANIC/LATINO
HOMEOWNERSHIP
GROWING
Currently, 44% of California’s Latino
households are homeowners,
compared to 57% of all the state’s
households. Affordability seems to be
an inhibiting factor. Alan Levin, chief
economist for the California Building
Industry Association states that Latinos
generally won’t buy condos as their
first home because they want a yard.
In addition, they would rather live near
a downtown where they work, rather
than commute. In California, finding an
affordable home close to a downtown
is difficult.
Other contributing factors that lead

Page
to the disparity between Hispanic homeowners
and other households include
credit issues. Lenders are recognizing
the difference in the borrowing practices
of the Hispanic community. Latinos
tend to use cash more than credit and
often don’t have bank accounts. This
makes it difficult for lenders to establish
credit history for Latino homebuyers.
Lenders are reaching out to
this community with Latino advisors,
educational services and government
assisted financing for first-time homebuyers
such as CHFA programs. However,
even with these issues, Latinos
are expected to account for nearly onethird
of the nation’s home-buying pool
by 2010, according to the Joint Center
for Housing Studies of Harvard University.
By 2010, economists predict that
Latinos will account for 9.2 percent of
the total U.S. consumer buying power
and 17.2 percent in California.
What does all of this mean to the
manufactured housing industry? The
growing demographic of Hispanic
homebuyers looking for affordable
housing is a perfect fit for factory-constructed
housing. As aging boomers
begin to pull money out of the financial
markets or reduce spending in the
coming years, young Latinos are in position
to become increasingly flush with
disposable income as they enter the
workplace, move up the career ladder
and buy their first home. High-value,
high-quality affordable housing, such
as factory-constructed housing, will be
in demand. OPPORTUNITY!
CMHI recognizes this opportunity
and will soon have our Consumer Brochure
available in Spanish. Watch for
this in the near future.
Source: The Press Enterprise
Michael Fisher
Leslie Berkman and Josh Brown
TRIAD NAMES KATHY
BLALACK TO EXPAND
WESTERN MARKET
Jacksonville, Florida - Triad Financial
Services, Inc. is pleased to announce
that Kathy Blalack has been hired
to spearhead Triad’s expansion into
Oregon, Washington and Northern
California. With over 17 years of
experience in the manufactured home
industry, she is a welcome addition to
Triad’s team.
The Jordan Company
Insurance Professionals
Specializing in:
Workers’ Compensation
General Liability
Low Cost Health Insurance
Blalack has worked in all aspects
of the industry holding positions such
as Home Consultant, Sales Manager,
Finance Manager, General Manager,
Business Development Rep., Business
Manager and Western Regional Manager.
Prior to joining Triad, she worked
for Preferred Financial
Services,
HomeOne Credit
Corp., and Fleetwood
Enterprises.
Blalack can
be reached at
503-508-0996 or
kblalack@triadfs.
com.
For more information about Triad’s
complete line of programs call toll free
1-800-522-2013 (Jacksonville office),
1-888-936-1179 (Illinois office) or visit
www.triadfs.com.
Triad Financial Services, Inc. is a
full-service manufactured home finance
company headquartered in Jacksonville,
Florida with regional offices in
Boubonnais, Illinois and Houston, TX.
Jordan Insurance has developed a new approach to working with Manufactured
Housing Retailers and their Contractors designed to Reduce the Cost of Your Insurance!
When was the last time you had a professional review your business insurance?
Linda F. Burns
The Jordan Company DOI#0711841
1325 Auto Plaza Dr. Suite 140
San Bernardino, CA 92412-5276
909-888-2231 or 888-530-5700 Fax: 909-384-8384
Linda@Jordan-co.com

Industry News
GUB MIX RETIRES
The Idaho, Nevada and Utah Manufactured
Housing Associations are
seeking a replacement for Executive
Director Gub Mix, who announced his
retirement recently, effective September
30, 2006.
The three separate associations wish
to continue to contract with a single
individual to provide management services.
Mix has served as Executive Director
for Idaho for 22 years, Utah and
Nevada for 20 years and also ran the
Arizona Associations for 9 years in the
1990s. His company, Manufactured
Housing Services, Inc. provides office
facilities and equipment as well as all
staffing needs for the three groups. He
also supervises industry lobbying effort
and legal representation in the three
states.
Anyone interested in getting more
information on this opening should
contact Mix at 208-343-1722 or at
gmixmhs@cox.net.
HUD ISSUES NEW
REGULATIONS
HUD issued on March 21st a letter
outlining compliance with new regulations
on homes designated for hot/humid
climates effective May 30, 2006.
These new HUD Code requirements
permit manufacturers to place vapor
retarders on the exterior side of wall
insulation in designated hot/humid
climate regions. In addition, interior
finishes and interior wall panel materials
must have combined permeance of
not less than 5.0 perms. Exceptions
to the interior permeance rating are
granted for back splash materials no
greater than 50 square feet in area, tub
and shower compartments, cabinetry,
trim and hardboard paneling no greater
than 50 square feet in area under chair
rails.
The effective date contained in any
final rule reflects when a manufacturer
must be in compliance with the new
regulatory changes to the HUD Code.
Page
The purpose for the six-month delay
is to permit manufacturers sufficient
time to bring any manufactured homes
produced on or after May 30th into
compliance with the final rule.
Manufacturers who choose to comply
with the hot/humid climate provisions
prior to the May 30th effective
date may do so. However, manufacturers
must comply with all related
aspects of humid and fringe climate
requirements outlined in the final rule.
NEW CREDIT SCORING
SYSTEM
This week, the three major consumer
credit bureaus (Equifax, Experian and
TransUnion) announced the creation
of a new credit scoring system called
“VantageScore” which is expected to
become the new standard in credit risk
scoring. The new system promises to
be more consistent, more accurate,
and easier to understand and use.
Credit scores will range from 501-990.
The three major consumer credit
CALIFORNIA
SOUTHWESTERN
INSURANCE AGENCY
Low Cost Manufactured Home Insurance for your
buyers, and Fast Service for your escrow closings.
LOW COST MANUFACTURED HOME INSURANCE
WITH THE DEALER IN MIND!
These are some of the reasons to do business with
California Southwestern Insurance:
OVER 25 YEARS WORKING WITH MOBILEHOME
DEALERS.
IMMEDIATE QUOTES BY PHONE OR FAX.
BINDERS AND INVOICES FAXED TO YOU WITHIN
THE HOUR.
FLOOD AND EARTHQUAKE COVERAGE
AVAILABLE.
EXCELLENT REPLACEMENT COST COVERAGE
FOR YOUR BUYERS.
CALL US FOR MORE INFORMATION
Maggie Malone
Larry Staggs
California Southwestern Insurance Agency
21 Orchard
Lake Forest, CA 92630
Toll Free 800-352-0393
Direct line and 24 hour Voice Mail
Maggie Malone 949-707-4222
Larry Staggs 949-707-4220
Fax 949-707-1571
Email lstaggs@csia-ins.com
Visit our website at www.csia-ins.com
License Number 0443354

Page
bureaus stated “Vantage Score” was
an effort to make it easier for companies
using consumer credit reports to
evaluate loan applications and to give
consumers a better way of measuring
their financial health.
With the new system, a single
methodology will be used to create
the scores for all three credit bureaus.
It will be available immediately. The
new system, however, will not change
the Fair Issac scoring system used by
many lenders. For more information on
the “VantageScore” system click on:
www.vantagescore.com. For information
on the Fair Issac Scoring System
click on: www.fairissac.com.
KELLEY BLUE BOOK
EXITS MANUFACTURED
HOUSING
The Kelley Blue Book Co., Inc. has
released its final edition of the Manufactured
Housing Guide. They site
changes in the way manufactured
homes are valued as their reason for
discontinuance.
“Values of manufactured homes are
now more appropriately determined using
comparative real estate pricing that
takes into account location and other
real estate market factors. Therefore,
we believe it is now appropriate
for manufactured home pricing to be
based on a local real estate market
appraisal, rather than using valuation of
the manufactured house itself.”
Now, more than ever, it will be important
for all lenders and retailers to have
a solid portfolio of prior closings for
comparable sales of both new homes
and resales.
NEWS AT PALM HARBOR
HOMES
New Independent Director:
Palm Harbor Homes, Inc. announced
on January 25, 2006 that Elysia Holt
Ragusa has joined the Company’s
Board of Directors. Ms. Ragusa is the
President and Chief Operating Officer
of the Staubach Company, a leading
global real estate firm with 1,200
associates in 58 offices throughout
the Americas. Ms. Ragusa chairs
the Staubach Executive Committee
and oversees the operations of the
company. She has 21 years experience
managing complex projects and
structuring, negotiating and marketing
real property.
Ms. Ragusa serves on the Board of
the United Way of Metropolitan Dallas,
is an associate member of the Dallas
Citizen’s Council, and a member of the
International Women’s Forum and the
Dallas Breakfast Group.
Gold Energy Value Housing
Award:
Palm Harbor was recognized by the
National Association of Home Builders
(NAHB) Research Center as a leader
in energy-efficient construction. They
were named the winner of the 2006
Gold Energy Value Housing Award
(EVHA) in the factory-built/hot climate
category.
The NAHB Research Center promotes
innovation in housing technology
to improve the durability, affordability,
and environmental performance
of homes and building products. For
over 40 years, the NAHB has been a
source for reliable, objective information
and research on housing construction
and development issues.
The EVHA is managed by the NAHB
Research Center and honors builders
that voluntarily integrate energy efficiency
into the design, construction
and marketing of new homes. The
EVHA also serves to educate both the
building industry and the public about
successful approaches to energy-efficient
and environmentally conscious
construction practices.
David Stanbro
dstanbro@fuquahomes.com
NEW CHAMPION
CERTIFIED HOUSING
CONSULTANT
Champion Enterprises, Inc., leading
continued on page 11

Page 10
MANUFACTURED / MOBILE HOME
LOAN SPECIALISTS
Land and Home Loans
Conventional and Constructions Loans
Conforming / Nonconforming
Permanent and Nonpermanent Foundations
Singlewides O.K.
Mobile Home Loans
In Park Loans
Purchase or Refinance
We Pre-qualify! We Take Credit Applications!
Mobile Home Loans
NOW SERVING CALIFORNIA & WASHINGTON
Oxnard
805-658-0120
San Luis Obispo
805-781-0350
Bellingham, WA
360-738-0808
Home Office: 800-655-9044
Phone 949-661-9044 Fax 949-661-0289
32861 Camino Capistrano, Suite D
San Juan Capistrano, CA 92675

Page 11
page continued...
builders of quality manufactured and
modular homes, recently announced
that Mike Sevieri and Ernie Westbrook,
zone managers from its Lindsay, Calif.,
manufacturing facility and Melissa
Page of Manufactured Home Systems,
Galt, Calif., have been recognized as a
Champion Certified Housing Consultants
(CCHC). CCHC designation is
presented to Champion Home Center
retailers and Champion employees who
have demonstrated a commitment to
expanding their professional knowledge
in all aspects of the manufactured
housing industry.
The CCHC program is a comprehensive
training program designed to
ensure that industry representatives
are skilled in all aspects of customer
support and service. To qualify, the
recipient must complete a rigorous
educational curriculum with extensive
courses in financing, product features,
manufacturing processes, installation
and service.
“We are very proud to honor Mike,
Ernie, and Melissa with the CCHC
designation,” said Grover Tarlton, vice
president of marketing for Champion
Enterprises. “We rely on our facilities
and their employees to provide the
best, most knowledgeable support to
our customers. By earning this honor,
Mike, Ernie and Melissa have exhibited
the commitment to the quality support
for which Champion is known.”
ACTION ALERT H.R. 4804/
S.2123
FHA TITLE 1 INSURANCE
REFORM
• The Federal Housing Administration
(FHA) Title I mortgage insurance
program insures loans made by
private lenders to finance the purchase
of manufactured homes that will be
placed in land-lease communities or
otherwise not classified as real property.
• The manufactured housing
industry is currently in the midst of a
6-year downturn with production levels
down 60% since 1998. This recession
stems largely from overly tight
credit standards which followed the lax
credit conditions of the late 1990s. This
program benefits lower income homebuyers
who are attempting to climb
the lowest rung of the homeownership
ladder.
• In past recessions, the FHA
Title I insurance program for personal
property loans has served as a stabilizer
to help the industry rebound.
For example, in 1992, in the midst of
the last recession, FHA insured over
30,000 Title I personal property loans
for manufactured housing. However, in
2004, the total number of Title I loans
insured was less than 2,000. The
absence of Title I activity has greatly
hindered the manufactured housing
industry’s recovery.
• Ginnie Mae (which securitizes
FHA loans) attributes the decline of
Title I activity to certain “structural
problems” which make it very difficult
for Ginnie Mae to recoup its losses
when lenders go out of business. This
does not happen with Title II loans
(real property) because under that
program, insurance is set on a loan-by
loan basis. Ginnie Mae officials have
stated that if these structural problems
(especially the insurance issue) can be
addressed satisfactorily, they would
end the moratorium on certifying new
lenders and securitize more Title I loans
in the future thus adding much needed
liquidity to the program.
• In the House, Reps. Pat Tiberi
(R-OH) and Barney Frank (D-MA) have
introduced H.R. 4804 and, in the Senate,
S. 2123 has been introduced by
Sens. Wayne Allard (R-CO) and Evan
Bayh (D-IN). These identical bills
would modernize the FHA Title I program
for manufactured housing. The
legislation would: raise the loan limits
and annually index them for inflation;
give HUD the authority to increase
insurance premiums and improve
underwriting standards to ensure the
program is actuarially sound; allow
borrower’s to finance part of their closing
costs; and re-align the insurance
system more closely to the FHA Title
II system, particularly the loan-by-loan
insurance feature.
• This legislation, when enacted,
will result in a more robust Title I program.
Ginnie Mae participation should
increase with more lenders certified to
originate these loans. This will lead to
greater competition with lower interest
rates and costs for low- and moderateincome
homebuyers.
How You Can Help:
• In the House, ask your Representative
to co-sponsor H.R. 4804,
the “FHA Manufactured Housing Loan
Modernization Act of 2005.” To do
this, Republican Members of Congress
should contact Ms. Lindsay
Vogtsberger of Rep. Tiberi’s staff at
202/225-5355 or lindsay.vogtsberger@
mail.house.gov. Democratic Members
of Congress should contact Mr. Scott
Olson of Rep. Frank’s staff at 202/225-
7054 or scott.olson@mail.house.gov.
• In the Senate, ask both of your
Senators to co-sponsor S. 2123, the
“FHA Manufactured Housing Loan
Modernization Act of 2005.” To do
this, offices of Republican Senators
should contact Ms. Tewana Wilkerson
of Senator Allard’s staff at 202/224-
5941 or tewana_wilkerson@allard.senate.gov.
Offices of Democrat Senators
should contact Ms. Catherine Wojtasik
(Woy-tas-ik) of Senator Bayh’s staff at
202/224-5623 or catherine_cruz_wojtasik@bayh.senate.gov
.
7007 Jurupa Ave P.O. Box 1308
Riverside, Ca.92504 Woodland, CA 95695
(951) 688-5353 Operations (530) 662-3223 Operations
(888) 380-4489 Sales (800) 420-9645 Sales

Page 12
Alliance Insurance Brokers 602 / 996 7600 Voice
7600 N. 16th Street, Suite 201 888 / 996 7600 Toll Free
Phoenix, AZ 85020
602 / 494 1175 Fax
a division of Alliance Insurance Group
ATTENTION CMHI MEMBERS!!
COMPREHENSIVE COMMERCIAL INSURANCE PACKAGES
FOR RETAILERS NOW AVAILABLE THROUGH OUR BROKERAGE!
· We Are One Of The Largest U.S. Insurance Brokerages Specializing In
The Manufactured Housing Industry
Multiple Companies Offering :
· Retailer Property / Liability Packages
· Competitive "Open Lot" Inventory Rates for Retailers
· 30 Years Experience
· Wind, Flood, and Earthquake Insurance Available
· Mobile Home Dealer Errors & Omissions Insurance
FOR A QUOTATION IN APPROXIMATELY 48 HOURS CALL:
JUSTIN ZALE AT (888) 996-7600 Ext. 6762
Email us at:
jzale@allianceinsurance.biz

page continued...
sudden changes. Here’s what I see for
this year barring significant changes in
the economy, financing and consumer
preference:
Site-Built Single-Family
• Housing starts 140,000 down
9.6%
• Median home price up 10%
Manufactured Homes
• Shipments 10,460...down 3%
• Registrations 9,130...down 3%
• Production 8,386...up 5%
• Sited as real-estate...31-34%
(of registrations)
• In-park resales 36,000...up 9%
In my judgment, we will not see really
significant increases in manufactured
housing sales until we resolve our
financing issues (especially for those
homes sold as real property) and create
a value package that prompts more
homeowners to replace their existing
old mobile homes in parks with new
manufactured homes.
2005 was a good year as will be
2006 if we take advantage of our opportunities.
"Opportunity" is an interesting word.
Some people replace the word "problem"
or "challenge" with "opportunity".
Well, with one in thirteen homes in
California selling for a million dollars
or more and a median home price of
$535,000...middle-income buyers have
a significant challenge and you can be
their “opportunity” to fulfill their homeownership
dream!
2005 Top ten Counties by Home Placement
IN MEMORIAM
Page 13
George Folmar, former Human
Resource Manager for Golden West
Mobile Homes, died on April 7 at Riverside
Community Hospital. George
worked for Golden West for 36 years
and was a resident of Riverside for 57
years. George also served in the Army
and was stationed in Germany during
the Viet Nam war. He was 61.
George is survived by his wife, Willa
Folmar, two sons, Ronald C. Folmar
of San Diego, and Rodney C. Folmar
of Riverside; one daughter, Felicia D.
Folmar of Riverside, and a large host of
other relatives and friends.
George’s Celebration of Life service
was held on April 13 at the Second
Baptist Church in Riverside. He was
laid to rest at Riverside National Cemetery.
WHEN THINKING OF BUYING OR SELLING
Professional Expertise
Manufactured Home Experts
Nationwide Exposure
MANUFACTURED HOUSING
MULTIPLE LISTING SERVICE
CONNECTION • PROTECTION
for Manufactured Housing since 1974
START HERE
www.mhmls.org
30 Years of Experience
Put Our Power to Work for You!
We Can Help
800-828-8242

Page 14
Protection From Loan Closing to Occupancy –
With Just One Policy!
When you add our new Builders Risk Endorsement to one of our manufactured
homeowners policies, we provide certain protections as soon as the loan is
closed…protection that continues all the way through construction to occupancy.
Meets Lender Requirements for
Homeowners Insurance
✔ Coverage Includes:
• Personal liability
• Coverage for theft of
building materials on site
• Coverage for damage to
any site improvements
✔ Once the home is occupied,
the Builders Risk endorsement
expires – while homeowners
protection continues!
For more information,
call Barry Cole at
Manufactured Housing Insurance Services at
1-866-644-7111.
Why have more than one policy
when you don't need to?
AMERICAN MODERN INSURANCE GROUP

Page 15
701
Email to: schwiebertt@ctt.com
seeberk@ctt.com

ManuFacts is a bi-monthly newsletter
published by the California Manufactured
Housing Institute (CMHI) exclusively
for member companies.
CMHI is a nonprofit trade association
representing companies that build,
sell and finance manufactured homes;
develop and manage manufactured
home communities; and supply goods
and services to the industry.
The Institute was founded to advance
the availability and ownership of
quality, high- value homes, marketed
by licensed retailers, by promoting the
purchase of manufactured housing
and the development of desirable sites
and communities in California. The
Institute’s public, government and consumer
relations programs are directed
toward these goals.
CMHI Chairman - Russ Williamson
Skyline Homes
CMHI President - Jess Maxcy
CMHI Foundation President - Jess
Maxcy
Director, Local Government Relations -
Billie Tribbett
Published at - 10630 Town Center
Drive, Suite 120, Rancho
Cucamonga, CA 91730
Telephone (909) 987-2599
Fax (909) 987-0434
www.cmhi.org
10630 Town Center Drive, Suite 120
Rancho Cucamonga, CA 91730
Page 16
PRESORTED
STANDARD
U.S. POSTAGE
PAID
PERMIT NO. 93505
RANCHO CUCAMONGA, CA
One Less Worry,
With Barry At
Your Side!
Buying a manufactured home is stressful enough
without the added hassle of finding proper
insurance. At MHIS, we partner with American
Modern Insurance Company to make insurance
easy for you:
✔
✔
✔
✔
No Broker Fees
Low Competitive Rates
Immediate Quotes
Specialists in Course of Construction/
Builders Risk insurance
Don't Sweat the Insurance.
Call Today!
1-866-MHIS111
bc@mhis.info
www.mhis.info
Barry Cole has over 30 years of
experience in California's
manufactured home marketplace.