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ADDENDUM TO
COMMUNITY GUIDELINES
Effective May 23, 2010, Section 4
of the Community Guidelines shall be amended s follows:
4. RESIDENT CONDUCT
Responsibility - Residents and guests shall conduct themselves in a fashion that
ensures every resident’s comfort, peace of mind and quiet enjoyment of this community. Residents and guests shall comply
with federal and state laws, city ordinances and these Community Guidelines. This includes compliance with any state or local
curfew regulations.
Noise - Noise or unruly behavior that disrupts other resident’s
quiet enjoyment of this community is prohibited, and will not be tolerated. Such disturbances include, but are not limited
to, loud stereo, TV, radio, vehicle noise and domestic disputes. This policy is always in effect.
General
Conduct:
• Residents are responsible for their own conduct, as well as that of their guests.
(Including children)
• Loitering is not permitted within the community or community center.
• Residents and their guests shall not enter, or pass through any other lot without
the express permission of that homeowner. This includes areas such as vacant lots and sales display areas.
• Soliciting is not permitted within the community. With prior management approval
distribution of materials for religious, political or similar non-profit purposes is permitted between the hours of 9:00 AM
and 5:00 PM.
• Residents are expected to resolve conflicts they may have with other residents.
Should this be unsuccessful, management will intervene. Management will request that the complaining resident present their
complaint in writing (a sample Resident Request Form is attached to these rules as Exhibit B).
• Weapons
and all items purporting to look like or act like a weapon, including but not limited to guns (including BB guns, paint ball
guns, air guns, stun guns and blow guns) tasers, knives, axes, swords, cross bows, bows and arrows, sling shots, brass knuckles
and nunchucks, whether such weapon is concealed or openly carried, may not be brought into any common area within the community,
including but not limited to playgrounds, swimming pools, club house, community office, basketball courts, mail box areas,
guest parking areas, and streets.
• Discharging of fireworks, including sparklers, is absolutely prohibited at all
times.
• Any damages, acts of vandalism, or other related concerns, caused by the resident
and/or guest of a resident, shall be at the expense of the resident and may be just cause for termination of the lease.
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Financing Manufactured (Mobile)
Homes |
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Under the Title I program, approved lenders make loans from
their own funds to eligible borrowers to finance the purchase of a manufactured home and/or lot, and FHA insures the lender
against loss if the borrower defaults. Credit is granted based upon the applicant's credit history and ability to repay the
loan in regular monthly installments.
Title I manufactured home loans are not Government loans
or grants, and are not low interest rate loans. The interest rate is fixed and is generally based upon the prevailing market
rate in the area at the time the loan is made. FHA does not lend money.
Purpose of the Loan
A Title I loan may be used for the purchase or refinancing
of a manufactured home, a developed lot on which to place a manufactured home, or a manufactured home and lot in combination.
The home must be used as the principal residence of the borrowers.
Maximum Loan Amount
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manufactured home only - $48,600
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manufactured home lot - $16,200
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manufactured home & lot - $64,800
The dollar limits for lot loans and combination loans
may be increased up to 85 percent in designated high-cost areas. For further information on high-cost area limits, contact
the local HUD field office.
Maximum Loan Term
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20 years for a loan on a manufactured home or on a single-section
manufactured home and lot.
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15 years for a manufactured home lot loan.
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25 years for a loan on a multi-section manufactured home
and lot.
Manufactured homes are usually purchased through dealers
or retailers that sell the homes. The names of lenders in your area which specialize in financing manufactured homes can be
obtained from local retailers. These retailers are listed in the yellow pages of your telephone directory. They have the required
application forms. FHA neither loans money nor gives grants to purchase homes. Also, manufactured homes must comply with the
National Manufactured Home Construction and Safety Standards. The approved FHA lender can explain the mortgage credit and
income eligibility requirements to qualify for a loan.
Consumer Protection
HUD provides two types of consumer protection. The borrower
must sign a HUD Placement Certificate agreeing that the home has been installed and set-up to their satisfaction by the retailer
before the lender can give the loan proceeds to the retailer. After moving in, the borrower can call HUD at (800) 927-2891
to get assistance about the problems with construction of the home.
Eligible Borrowers Must:
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Have sufficient funds on hand to make the minimum required
downpayment of 5 percent.
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Be able to demonstrate that they have adequate income
to make the payments on the loan and meet their other expenses.
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Intend to use the manufactured home as their principal
residence.
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Have a suitable site on which to place the manufactured
home. The home may be placed on a rental site in manufactured home park, or on an individual homesite owned or leased by the
borrowers.
An Eligible Manufactured Home
Must:
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Meet the National Manufactured Home Construction and
Safety Standards.
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Carry a one-year manufacturer's warranty if it is a new
manufactured home.
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Be installed on a homesite that meets established local
standards for site suitability and has adequate water supply and sewage disposal facilities available.
The proceeds of a Title I manufactured home loan may
not be used to finance furniture (for example, beds, chairs, sofas, lamps, rugs, etc.). However, built-in appliances and equipment
and wall-to-wall carpeting are eligible for financing.
Equal Opportunity in Housing
The Fair Housing Act prohibits discrimination in housing
and related transactions--including mortgages and home improvement loans. Lenders may not deny funds or offer less favorable
terms and conditions in lending on the basis of the borrower's race, color, religion, sex, national origin, familial status
(i.e., the presence or number of children in a household) or disability. In addition, lending decisions may not be based on
the race, color, sex, religion, national origin, familial status or disabilities of persons associated with the borrower or
with the area surrounding the property. If you believe you have been the victim of discrimination in mortgage lending on one
of the prohibited bases, you may file a fair housing complaint by contacting a local fair housing advocacy group, the Office
of Human Rights for your state or local government, or by calling the national Fair Housing Hotline at (800) 669-9777 or TTY:
(800) 927-9275.
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It’s Not
a Trailer, It’s My Home
Have you ever called your home a trailer?
AMHRO has long maintained that if you can’t pull it behind your car it isn’t a trailer. We don’t
know of many communities that are made up of trailers pulled behind cars or even trucks, for that matter.
There have been countless examples of folks being called “trailer trash”. Employers may discriminate
against job applicants or people made fun of by their friends(?). Just because they happen to choose to live in a manufactured
home community. (Note: AMHRO prefers to call our neighborhoods, communities rather than parks, since there is no ferris wheel
or merry-go-round in most of them.) People look down on manufactured home community residents because of their own negative
attitudes.
Ever wonder where this comes from? Turn on your television and you will likely see community residents depicted
unfairly. Those images have a great influence on the public perception of our communities and, in turn, influence the public
officials who make decisions over our lives. Residents aren’t seen as real people who own real homes. Instead they we
are seen as transients who aren’t permanent members of the local society. If we don’t act to redefine our lifestyle
then we will continue to be “trailer trash”!
It is time for this negativity to change and it begins with us. Take it upon yourself to call or write the
TV station or reporter using the negative term “trailer”. Advise them those are manufactured homes. If enough
of us do this it will ultimately help to change the negative image of our communities.
We chose living in a manufactured home community because of the affordability and lifestyle it offers. Demeaning
our way of life does a disservice to all of us and it really does affect our perception with the general public.
In turn, this affects how we are thought of by our elected officials and those responsible for making the
rules under which we must live.
For our own good, these perceptions must change and it starts with each and every one of us. You live in
a manufactured home community, you don’t live in a trailer park.
Start right now! Do your part by calling the place you live a home, not a trailer and your neighborhood
a community, not a park. Your mail will still get through if you indicate your address as #33 instead of lot 33.
As published
by AMHRO
RECIPES
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