Manufactured Housing Laws and Legislation

 

 

MHOA-NJ Legislative and Policy News

MHOA-NJ has been working with some of our legislators to help them understand which issues are most important for manufactured home owners. If you want to help us please send an email to our organization to be placed on our mailing list.

People who own manufactured homes deserve access reliable and affordable real-estate mortgage financing. In order to make that possible, we must have our homes treated like "real homes" in the law. Until that happens not only do manufactured homeowners pay more for the money they borrow to purchase their homes but they are not covered by many consumer protections that apply to standard mortgages.

In 2012, the National Conference of Commissioners on Uniform State Laws, also known as the Uniform Law Commission (ULC), passed the Uniform Manufactured Housing Act at ULC's Annual Meeting in Nashville, TN. The ULC is a non-partisan, state-supported organization that works to create or identify well-conceived and well-drafted legislation for state governments. These uniform law reccomendations passed and MHOA-NJ now needs to educate NJ law and rule makers to get the laws in New Jersey to follow these national reccomendations.

These reccomended laws would enable a purchaser of a manufactured home to more easily treat the home as real property for legal and financial purposes.

The Act would allow new home purchasers to classify their manufactured homes as real property at the time of the first retail sale in addition to any time thereafter. The Act would require that purchasers of manufactured homes are informed of their right to convert their purchase to real property and would not place any requirement that the home be placed on a "permanent foundation" before being reclassified.

If this model law is adopted in New Jersey it would require changes in sections of NJ's MH titling and mortgage law. This provide access to standardized mortgages for MH (instead of chattel loans) and moves us closer to a point where Manufactured Home Owners are treated like any other home owner. This fall MHOA-NJ will be talking with New Jersey legislators to try and get these uniform titling laws implemented in New Jersey. If you are interested in knowing more about this effort please contact me at dibble@rci.rutgers.edu or visit MHOA-NJ on facebook.

Legislative Resources

Voter Registration Form

Interactive Map of Legislative Districts

Ccntact your Federal Representatives

How a Bill becomes
a Law

National Consumers Law Center (in conjunction with the Corporation for Enterprise Development)
has produced a legislative guide for protecting fundamental freedoms for MH homeowners.