Archive for July, 2010

Jokes are being Played

July 29, 2010

Check it out

July 28, 2010

Just wanted you all to know this, I had met with Jerry Apel he was our past owner before the Holley’s.  He said to me today on the phone and had ask to tell you all to hold on and don’t make any rash decisions we will have an answer to many of our concerns within the next 45 days.  The most will be, we will no longer have the Holley’s to worry about

Being prepared for the fall and winter

July 25, 2010

WINTERIZEING YOUR HOME

 

1. Make sure heat tapes are working, plugged in, and cover your water meter. Insulate water lines with foam pipe insulation. (You can buy it at Handyman Hardware very cheap) Place fiberglass insulation around water meter and over crock.

2. On days or nights when the temperature outside or wind chill is 15 degrees or less, LET YOUR FAUCETS DRIP INSIDE YOUR HOME. ( running water doesn’t freeze.)

3. Check your skirting weekly . Tight skirting will prevent wind from getting under your home and freezing pipes your pipes.

4. Prepare your windows with plastic.

5. If you have Jealousy (roll out)windows, use small screws outside to keep them tight.

6. Oil all outside locks to keep them from freezing.

7. Check your doors for drafts, install weather stripping if needed.

8. Check snow shovels, make sure screws and rivets are tight.

9. Keep all sidewalks, steps, and porches free of snow, and salted.

10. Shovel on street next to sidewalk, so that the plow can see how far over to plow. If you see the plow in the park, PLEASE move your car, and tell your neighbors, so he can plow better, and not plow you in. If you don’t do this, don’t blame the plow driver, as he can’t plow over your car.

11. Park as close to the sidewalk as possible. DO NOT park out in the street, or with the back of your car sticking out in the street, Emergency vehicles have to get through.

12. Check with utility companies for possible budget, or heap plans available.

We of Peoples Voice are only here and organized, to help the residents of Vintage Village. We sincerely hope these tips will help you get through the winter with as few as possible.

Health Information

July 17, 2010

Tests you need:

Colonoscopy: At age 50 and then once every 10 years.

Cervical: (Women ) Every years.  

PSA: (Men) Every year (Should be under 4 ng/ml). 

Mammogram: (Women) Every year after age 50.

Bone Density: (Women) Around menopause and then every 5 years after.  

Stress Test: After age 50 

The above Tests and Numbers and Tests you need are quoted from AARP Magazine May/June 2010 and the famous Dr. Oz. as seen on TV.

The Ohio Manufactured Home Commission

July 17, 2010

What is the Purpose of the OMHC?

                       THE OHIO MANUFACTURED HOMES COMMISSION

   It is believed that most problems with a new home result from defects missed during the factory final inspection or improper installation at the home site.  The Manufactured Housing Improvement Act of 2000 requires HUD (the Federal Housing and Urban Development Department) to establish new standards for installing manufactured houses and implement a dispute resolution program.  States may elect to institute their own programs as long as they meet or exceed HUD’s regulations. In 2004, Ohio legislators established the Manufactured Homes Commission to replace and improve the federal programs. 

   The Ohio Commission has nine members, one representing the Health Department, an expert on building standards, another six people from the manufactured housing industry, such as a homebuilders, retailers and installers. The ninth member is a manufactured home resident.  The Governor of Ohio appoints all members and requires each Commission member to take an oath of office, and sign a pledge of ethical conduct.  Commissioners are expected to act not only in their own interests but act for the good of everyone in Ohio.  The Commission Executive Director, David Zofko is a mechanical engineer with extensive construction and building code enforcement.  Monthly meetings of the Commission are usually held in Columbus and are open to the public. 

   The Commission trained and licensed all installers and certified inspectors of manufactured housing in the state of Ohio. An area of more interest to present and prospective manufactured home owners is the Dispute Resolution Program. For new home buyers, during the first year of ownership, a manufactured home owner with an unresolved house defect can contact the Commission to report the problem.  The Commission will help resolve the problem to the satisfaction of the home owner.  House defects can include poor workmanship, improper installation, damaged or missing parts of the home.  HUD has developed a very extensive set of rules for the construction and installation of manufactured houses, and those will be the standards by which the homes will be judged.

   The procedure is as follows: a residents’ complaint will initiate an inspection by a trained specialist, employed by the Commission, to determine the extent of the problem. The second step is for the Commission to work with all parties to resolve the problem.  If a resolution is not reached to the satisfaction of the home buyer the next step is to bring in a neutral mediator initiate nonbinding arbitration.  The Commission will review the report of the independent arbitrator and then issue orders to dismiss or repair the defect.  In the event the responsible party fails to comply with the Commission order, the matter will be enforced through the courts.

   The Ohio Commission is working to advance the manufactured home business and improve the home buying experience for the consumers.  Anything we do to reduce the uncertainty from that purchase will raise the image of manufactured homes and manufactured home communities.

   What would you like to see the Commission do in the future? The best way to make government work for you is to express your wishes to our lawmakers. The best way to get the legislators attention is to be organized, such as a home-owners association,PVI and AMHRO.  There is strength in numbers. Being a member of the Ohio Manufactured Homes Commission and AMHRO. I am interested in your questions and concerns; He can be reached at 440-465-8236.     

James Demitrus

Affordability

July 17, 2010

 Affordability – We live in the most affordable quality homes that America has to offer anyone. In the midst of so many, many foreclosures, amidst the shake, rattle and roll of the economy, where are people turning as they tighten their budgets?
     The answer is clear. They are turning to manufactured homes. Why? They are far more affordable to the average family than a stick-built home and they are efficient. There is and will be a demand for them. This is true if we maintain our homes and keep them in tip-top condition where people will want to buy them…… IF, we want to sell them.
     Every living person needs a place to call home. They will always need a home regardless of their age, sex, religion, national origin, belief or economic conditions.

     There are many who believe and state that manufactured home sales and that industry is on the verge of substantial growth and sales. When this happens, it will affect employment in many areas, the life style of many and the economy of America. With this in mind, we can turn this recession into an era of economic recovery and beyond!

     It is time to capitalize on what is in front of us!

Skirting is required

July 16, 2010

“Skirting is required in this community and on each and every home.” Why is that?  Many times we residents question the Rules and Regulations that are given to us when we locate in a manufactured home community. Yet many of them have in mind the health and safety of all residents. Sometimes the standards set in these Rules are higher than what is stated by the State or Federal Government. HUD and the Ohio State Ohio Revised Code do not require skirting. However, when the community Owner or Manager has it in their Rules and Regulations it is evident that they are concerned for our health and safety.  It’s time to recognize and appreciate their concern.

    Skirting provides: 1). A warmer floor in your home. 2). Keeps the water pipes from freezing. 3). Keeps animals from dwelling underneath your home and destroying your wiring. 4). It is more sanitary. 5). Adds value to your home when you sell it. 6). Helps sell your home quicker. 7). Improves the appearance of your home. 8). When your home looks better it makes your neighbors’ home look better. 9). Strong winds cannot get under it to tip it over or destroy your home.

   We hope you see the value in the fact that skirting installed and maintained properly is really an asset to you in many ways ….. not just a liability.

Never Never, never give your social security number, Medicare number, checking account number, savings account number or any other numbers to anyone who calls you. By doing so, it could lead to financial destruction for you. It is generally safe to give this information when you place the call to a place of business such as a doctor, hospital, bank, department store or placing an order for merchandise. It is better to be safe than sorry.

Your Rights

July 16, 2010

Things You Can Do Before Renting in a Manufactured Home Community

  • Check with the local health department for the record of the annual inspection of
          the facilities.
  • Talk to other residents about the community.
  • Ask for a copy of the lease and their Rules and Regulations to review before agreeing to
          rent in the community.
  • Ask questions about everything.

Moving into a Manufactured Home Community

  • Make a list of the conditions of the home and appliances in all the rooms and the outside of the home.
  • Make a list of repairs needed and give the list to the operator.

         Always keep a paper trail——-Take Pictures.

  • Be sure you have copies of the lease and community rules.

Leases/Rental Agreements – – – Ohio Law Calls a Lease a Rental 

    Agreement (Oral agreements are not recommended!).

    Operators are required to offer written leases to every owner before they move  into the community.  At the present time, there is no requirement for written leases for tenants.

     All rules and fees must be disclosed in writing and cannot be changed without thirty days notice.  (A new lease may contain changes).

    You are only required to acknowledge the rules and fees that are in writing.Every lease should contain the following:

  • A description of the property.
  • The rent, fees and charges, any late payment of rent charges.
  • Duration of the lease.
  • Rules of the community.
  • Notice requirements to terminate the lease

 What to Watch for in Leases and Rules

  • Length of the lease (owners must be offered an annual lease prior to moving in and a new lease when one expires).
    A clause that places the blame on you for any dispute with the operator or releases the operator from responsibility for injuries to you or your guests.
  • A provision in which you give up your right to a trial.
  • An agreement to pay the operator’s legal fees.
  • Anything that permits the operator to take unfair advantage of you, such as requiring that he/she automatically keeps your security deposit.
  • A provision that allows the operator to seize your personal property for non-payment of rent.
  • Provisions that allow the operator to cut off your utilities, padlock the home, or raise your rent if you complain to a government agency about the community, the operator, or if you try organizing a residents’ association.
  • Provision that forces the tenant to continue to pay rent on a home that is destroyed by fire, tornado or other disaster.
  • Be sure you understand the Lease and the Rules.
  • WARNING:  Even though these unlawful clauses may not be legally binding, you may be forced to go to court to protect your rights.  It is better to try to remove them before you sign a lease.

 

Terminating a Rental Agreement – Either a landlord or tenant may terminate a month-to-month agreement by giving a full 30 days notice to the other party. The 30 days begin on the next rental due date and runs with the rental period.

  A written rental agreement (lease) normally specifies the method of termination or renewal. If termination or renewal is not specified, then the agreement ends on the date in the agreement.

  A landlord may give a tenant a notice that the tenant is not complying with a requirement imposed on the tenant by the Ohio Landlord-Tenant Law which materially affects health and safety and advising the tenant that the rental agreement will end in 30 days. If the tenant corrects the condition, then the rental agreement will be terminated.

  A tenant  may give a landlord a notice to comply with a duty imposed by the Ohio Landlord-Tenant law which materially affects the health and safety and requesting correction within 30 days. If the landlord fails to correct the condition, then the tenant may end the rental agreement.

  If a tenant breaks a lease by moving when the lease is up, or if a tenant has
had a lease terminated because the tenant is in violation of the law, the tenant
may be held liable under the agreement until the unit is rented again.

Rent Increases and Late Charges – Under a month-to-month agreement, the landlord must give 30 days notice before increasing the rent. In the case of a written lease, the landlord may not Increase the rent during the term of the lease. There is no rent control in Ohio.

  Because the Ohio Landlord Tenant Law does not cover late charges, late charges may be included in a rental agreement, but they may not be “unconscionable” (unfair). Recent court decisions suggest that late fees should be reasonably related to the actual damages that a landlord suffers because of late payment of rent.

Rent Deposit (Escrow) Requirements – The tenant must be current in his/her rent before depositing rent with the Clerk of Courts. The tenant may not deposit rent in “bad faith” or for a condition which the tenant caused. The tenant may not just hold onto the rent.

  Rent deposits must be made on or before the normal rent due date. Tenants should check with their local Clerk of Courts to find the exact procedures used in their court.

  If a tenant receives a written notice from the landlord at the beginning of the tenancy which states that the landlord owns 3 or fewer units, then the tenant is barred from taking legal action under the Ohio Landlord Tenant Law.

  If the landlord fails to disclose his/her name and address and the name and address of his/her agents, then the landlord gives up right to a notice before the tenant takes legal action.

Retaliation Prohibited – The Ohio Landlord forbids a landlord from retaliating against a tenant by increasing the rent, decreasing services, evicting or threatening to evict because the tenant has:

1). Complained to a public official.
2). Complained to the landlord.
3). Joined with other tenants to bargain collectively over the terms and
      conditions of the rental agreement.

  A landlord who engages in retaliation may be held liable for actual damages
to the tenant and for reasonable attorneys’  fees.

Evictions – A landlord may bring an eviction action against a tenant when the tenant has: 1). Failed to pay rent on time. 2). Occupied the unit after the termination or expiration of the rental agreement.

  To bring an eviction action, the landlord must first serve a 3-day notice to vacate the premises in person, by mail or at the premises. If the tenant does not move within the 3-day period, then the landlord must file an action (Forcible Entry and Detainer) at the court in the city where the property is located. The court will schedule a hearing and the tenant will receive a summons and complaint at least 10 days before the hearing.

  At the hearing, the landlord and tenant will present evidence in support and defense of the eviction action. A tenant may raise the issue of bad conditions as a defense or a counterclaim at the eviction hearing. If an eviction is ordered, the landlord will make arrangements with the court to have the tenant’s belongings removed from the unit if the tenant does not move.

  Local procedures may vary. Check with your municipal court or an attorney.

Security Deposit

July 16, 2010

Security Deposit – The Ohio Landlord-Tenant Law permits the landlord to collect a security deposit to cover the costs of:

  • Unpaid rents or charges, and
  • Repair of tenant caused damages in access of normal wear and tear to the property.

The landlord is required to return the security deposit to the tenant within 30 days of the time that the tenant gives up occupancy (i.e. moves out and returns in the keys) and terminates the rental agreement. The tenant is required to provide the landlord with a forwarding address in writing.

   If the landlord makes a deduction from the security deposit, the landlord is required to provide the tenant with a written itemized accounting of the money that is withheld.

   If after 30 days the landlord has not returned the deposit or the itemized accounting, or if the tenant disagrees with the landlords’ decision to withhold some or all of the security deposit, then the tenant may sue for double the amount which the tenant believes was wrongfully withheld. If the tenant’s claim is for less that $3,000.00, the tenant may file in the Small Claims Court in the city where the property is located.

   A security deposit is given by the tenant to the landlord to “secure” the tenants’ performance under the tenancy. A pet, key, garage deposit or last month’s rent paid in advance may all be part of the security deposit. If the total deposit is greater than one month’s rent, the landlord owes 5% interest per year on the amount in excess of one month’s rent. 

 

Other Deposits and Charges – A deposit to hold the unit, an application fee or a credit check is not covered by any state law. Before giving any money, obtain a written statement of the charge and the conditions for a refund.
Don’t assume anything and never give money without obtaining a receipt. 

Fair Housing – Landlords may not discriminate against tenants on the basis of race, religion, color, national origin, gender, family status (having children under age 18) or disability.

    Each community has a fair housing organization that can investigate discrimination complaints. Check your phone book or the Ohio Civil Rights Commission.

Ginnie Mae

July 16, 2010

Ginnie Mae Announces New MBS Program for Manufactured Housing
     June 10, 2010  – Ginnie Mae is pleased to announce its plans for the implementation of a new mortgage-backed security (“MBS”) program for manufactured home loans. The program has been created in response to recent changes in the Federal Housing Administration’s (“FHA”) Title I Program for manufactured housing, as communicated in Title I Letters TI-481 and TI-484,and in support of the Housing and Economic Recovery Act of 2008 (“HERA”). The program is designed not only to fulfill the needs of borrowers and lenders, but also to provide for prudent risk management. Eligible manufactured housing loans may only be pooled as Ginnie Mae II MBS, using the Manufactured Housing Custom Pool type (“C MH”).

    Effective immediately, Ginnie Mae will accept applications for participation as Issuers of MBS backed by new Title I manufactured home loans (“MH MBS”). Issuers that are currently approved to issue manufactured housing securities are required to re-apply in order to participate in the new program. The major change to the program will be that all approved Issuers will be required to maintain a minimum adjusted net worth of $10 million, as calculated in accordance with the HUD Audit Guide, plus 10% of the amount of MH MBS outstanding.

     Ginnie Mae will provide full program guidance no later than September 1, 2010. The new MH MBS program will also feature the following:

• The program applies to pools backed by loan collateral for which the loan application date is June 1, 2009, and thereafter, in order to reflect the effective date of FHA’s newly revised Title I program. Guidance for the new FHA Title I program can be found at the FHA Title I letters page. Loans originated with manufactured home loan application dates made prior to June 1, 2009, are ineligible for pooling within the C MH pool type, and will no longer be eligible for pooling within any Ginnie Mae securities beyond a September 1, 2010, issuance date;

• Issuers must provide to Ginnie Mae, at pooling, an acceptable FHA loan application date, otherwise the loan will be rejected;

• The guarantee fee for MHMBS shall remain at 30 bps; however, the minimum pool origination balance will increase to $1mm;

• Title I loans are ineligible for pooling as multiple issuer pools (MIPs), and for immediate issuance transfer (PIIT) pools; and

• Issuers may only use Concurrent Date (“CD”) accounting methods for the C MH pooling type.

If you have any questions regarding this memorandum, please contact your Ginnie Mae Account Executive in the Office of Mortgage-Backed Securities at (202) 708-1535.