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What about a VA loan to purchase a manufactured home?

Wed 08/25/10 09:46:40 pm

Does anyone know anything about VAHomeMortgage.com? It's been hard to get financing with VA loans through banks here, I was wondering about an online mortgage broker like this? Thanks

Tips To Sell Your House In Today's Market

Wed 08/25/10 09:21:55 pm

We have talked to sellers who want to sell their house. All too often, they base their asking price on yesterday's market. Yesterday's market of escalating property values is over. You have heard the reports on television, in the newspapers, and on the Internet. We are in one of the worst markets in history. We have read a report that things haven't been this bad since the Great Depression. Keep in mind the first buyers want to buy your house at the best price from the start. So here is what you can do to make sure your house doesn't sit on the market for months:

Tip #1 - Be sensible about your asking price

Have at least three local real estate agents prepare a comparative marketing analysis. It will list the asking and selling price for home in your area. It will also list the size and amenities. If there is a small supply of similar houses, price your house for what others are asking. If there is a large supply, then you want to read the next stepSeek to generate greater interest in your house. Set your price 10% less than what others are selling for. If you do this, it raises your chances of receiving several offers on your property. If you must drop your price after it has been on the market for a while, make one large price cut instead of smaller cuts.

Selling your house on your own is a tremendous undertaking. It becomes even more challenging when the real estate market is more favorable to buyers like now. You must have the experience and the patience to weather the storm. Therefore, if you feel that you are unable to sell your house yourself, adhere to this next tip:

Tip #2 - Seek an experienced real estate agent

Selling today during this economic climate will require a great deal of marketing effort. Seek an experienced real estate agent to help you. You do not want to deal with an unseasoned agent. You want one who has been through downturns and understands what is required to close the deal. All too often, an agent will list your property without having your interests in mind.The first impression is important, especially when it comes to selling your house. You house must have curb appeal to lure potential buyers. Make sure you take the time to clean, paint, and landscape. You only have ONE chance to make a first impression. Adhere to this tip to make a difference when your prospects enter the house:

Tip #3 - Stage your house for a good first impression

In this housing market, you must use all of the tools at your disposal. Hire a stager. Staging services have become popular with the rise in the number of house-selling shows on cable television. A stager will help to organize your house to make it more attractive. They will move your house away from the "lived in" look. They will get rid of the clutter, rearrange your furniture, and give definition to each room of the house. They will also provide you with alluring paint options. Stagers may charge a little as $200 for a consultation. A full blown staging plan may cost $1,000, but it is well worth it to help you receive peace of mind.

As was stated in the previous tip, you must use everything at your disposal to get your property sold.

Tip #4 - Money talks

Throw a little at prospects to catch their attention. Don't waste your time giving away cars or trips. You may look desperate. Offer to pay a portion or all of the buyer's closing costs. Or offer real estate agents and people who may refer prospects to you $1,000 if they send someone to you who eventually buys the property. Remember, there is probably a great deal of competition in the form of listings. Give people an incentive to buy your house or refer someone who will.

We have talked to many sellers over the past few months. The majority of them are "upside down". Being upside down means the person owes more on the house than what it's worth. So what do you do?

Tip #5 - How to handle being "upside down"

If you are upside down, you have options. They may not help you sell you receive money when you sell, but they will help you to receive peace of mind: Sell the house on terms - You may sell your house via some form of installment sale (subject to the existing loan, land contract, or wrap around mortgage). You may also sell your house via a rent to own contract. Each method has their advantages and disadvantages. Ask the lender to allow a "short sale" - A short sale is a sale that results in the lender receiving less than what is owed on the mortgage. Short sales have grown in popularity but keep in mind that they are difficult to do. You need an experienced person to talk to the lender. Also, nine times out of ten the lender will NOT allow the seller to receive money at the closing table. Just think, why would the lender want to allow you to receive money when they are discounting the loan. Rent the house and weather the storm - You may decide to move out and move a tenant in. Charge the tenant a rent rate that is close to the monthly payment of your mortgage. If you have to lower the rent and pay a little yourself, it is well worth it.

There you have it. The five tips to help you sell your property. We hope you enjoyed them. Better yet, implement these tips as soon as possible so that you can get that property sold.

http://www.cashnowforyourhome.com is a network of private real estate investors. We buy property in any area and in any condition. We are able to close deals that may be hard to close or not attractive to close by most investors.

Sell Your Home OnLine
NOW IS THE TIME
Ten Thousand Visits A Day!

Considering the number of sales of manufactured homes that are being made thought internet promotions, the question is NOT should you put your homes for sale on line?, but which site is best for selling your homes?

The answer becomes obvious when you compare the possibilities.

The Manufactured Housing Global Network, with its flagship site WWW.MOBILEHOME.COM enjoys over 10 MILLION visitor hits every month.

WWW.MOBILEHOME.COM is the proven powerhouse for attracting web surfers specifically shopping for manufactured homes. WWW.MOBILEHOME.COM is the world's MOST VISITED MANUFACTURED HOUSING WEB SITE.

We know that more traffic always creates more sales opportunities, BUT here is the real clincher. HOMES LISTED ON THE MULTIPLE LISTING SERVICE ARE SELLING!!! Thousands of shoppers are browsing daily, for the home of their choice. Buyers are connecting with sellers. Sellers are closing buyers who located them through their home listings at WWW.MOBILEHOME.COM/mls

FREE LISTINGS FOR INDUSTRY PARTICIPANTS

We are offering dealers, builders and finance companies the opportunity to list as many homes as they like at ABSOLUTELY NO COST, for as long as it takes to sell. For a investment of only the time to it takes to submit your listings you can share our incredible traffic flow. Its not only free its also easy to put your homes on line. Just fill out the form you will find below and we will return e-mail telling you how to get past the credit card pay portion of the listings form.

Retailers and private sellers across the country are closing home sales through their listings on the Manufactured Housing Multiple Listing Service. Here are some of their comments:

EXCELLENT! I Sold A Home ... Good response
Tim Stoerkel, A2Z Homes, Dublin OH

I can not believe the immediate jump in interest in the mobile home we have on the market. Literally, the very first day posted on your site, we began receiving inquiries. Thanks!
Gary Ashe, Golden State Mobile Homes, West Hills, CA

I Sold A Home To an MLS Contact
Dan Sheets, Palm Harbor Homes, Chandler AZ

I wish to Thank You and everyone at MOBILEHOME.COM for your great work. Thanks to All of You, Mom and Dad's mobile home has just closed escrow... EVERYONE told us that it would be IMPOSSIBLE to sell their home and for them to be able to move into the retirement center. Well, impossible unless you have a secret weapon up your sleeve. You see, upon being asked how the new owners came upon the listing, they answered: "We found it on the Net at MOBILEHOME.COM". I hope All of You realize the important service you are providing; business is one thing; truly helping people to be able to move on to their next phase in Life, is another. And so, I am happy and sad to ask you to please pull down our webpage...We all accomplished our mission...
Gary, FOR SALE BY OWNER SELLER, Lakeland FL

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This Trulia Study Illustrates the Disappearing �American Dream� �

Wed 08/25/10 08:37:09 pm

Government and industry experts agree, consumer interest in buying homes is an essential element of a healthy real estate market, and absorption of todays bloated housing supply is critical to recovery. These market fundamentals, though, are moving farther and farther out of reach as the American Dream of homeownership fades into the background for many. A new study from real estate data provider Trulia found that one out of four renters do not plan on buying a home ever. Of those renters who do see a home purchase in their future, 68 percent said it would be more than two years before they make that investment. Trulia says this reluctance to buy could potentially drag out the real estate markets recovery

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Who Uses the Finished MHCommunity Budget?

Wed 08/25/10 08:34:13 pm

The community manager will use the finished budget on an ongoing basis as purchasing decisions are made throughout the year. The maintenance supervisor should also use it for guidance when ordering supplies and timing delivery of materials. The office manager in a large community will use it when acquiring needed office supplies and items for resident relations. By adhering to the numbers projected for expenses, everyone is able to maintain a modicum of control and help insure the bottom line numbers (the financial goals) are met. The corporate office or owners of the community will also use the budget on a continuing basis to gauge the financial performance of the community. It is often said that the professional abilities of the onsite manager are reflected in how well they are able to reach or exceed the goals set forth in the budget.

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More people finding manufactured housing the way to go

Wed 08/25/10 08:26:29 pm

Manufactured home retailers are reporting big gains in new home sales nationally and locally.
According to an industry trade group, manufactured housing made up nearly a quarter of all new homes sold for less than $200,000 last year.
Analysts suggest more people are considering pre-fabricated housing as an option because of its affordability, offering homebuyers more for their money than traditional site-built housing.

Plus, manufactured housing is up and move-in ready faster than traditional site-built construction. Also, the process produces far less construction waste than traditional building methods.

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Matching your housing needs with inventory of sellers in your local area
No Obligation. No Initial Credit Check Expected time to complete 4 minutes

Shop for your manufactured home right here.
This is the newest and easiest way to locate your perfect home. You input the specific requirements for your home using the fast, easy form on the right. Our network of Home Dealers, Brokers, Communities & Realtors will search for homes that meet or exceed your needs.
Instead of spending your day driving from one retail center to the next, you will know before you leave home which local sellers have the homes, locations and even finance programs that best suit your needs.
We can match you with sellers in your area that have:

Brand new manufactured homes

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Manufactured homes for land you own

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If you are serious buyer just fill out the form to the right. Why pound the pavement, searching ? Gather the information you need to start the purchase of your manufactured home here and NOW!
The best part is that this service is absolutely free and creates no obligation on your part. How can you go wrong with nothing to loose except hours of research and driving...
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What will it take to add a mobile home to our land?

Wed 08/25/10 02:08:13 pm
We are considering buying land and adding a mobile to the property. What does it take to do that? Incl septic, water, etc? Are there companies that do that? Is it included if you buy a new mobile? Any estimates on total cost (not including mobile)? We are looking at 5-10 acres in TX. Thanks!!

Heating Season is Around the Corner - Inspect Your Furnace for Safety

Tue 08/24/10 11:00:29 am

With winter now not very far away and Coleman's announcement, a few years back that some of their furnaces should be inspected for a possible failed heat exchanger may have you wondering if your furnace is safe. Here's how you can inspect the heat exchanger on your own furnace.

Why inspect your heat exchanger?

One of the main causes of carbon monoxide in your home is a bad heat exchanger in your furnace. With holes in your heat exchanger, instead of the carbon monoxide going up the chimney, it's coming in your home.

Carbon monoxide is an odorless gas. If exposed to it over time, it can get into your body causing sickness and even death. Once you've been diagnosed with carbon monoxide poisoning, it can literally take months to rid it from your body and you'll feel sick the whole time. The best way to protect yourself from carbon monoxide is to install a carbon monoxide alarm.

Inspecting your heat exchanger.

There's two ways of inspecting your heat exchanger for holes or cracks. One way is to remove the burner. This will give you direct access to inside the heat exchanger. Then with a trouble-light and mirror, inspect the walls for cracks or burn-through. Inspecting immediately after the furnace has run will give you the most visible results, but be careful as things will be hot!

The second way to check for a possible bad heat exchanger is to simply watch the flame from your burner. First turn up the thermostat so the furnace engages. Looking through the glass viewing hole on your furnace, watch the burners light. Continue to closely watch the burners until the blower kicks on. If the flame of the burners start dancing or laying down immediately when the blower kicks on, that's a sign that you may have a bad heat exchanger as the blower is pushing air into it. Air from the blower should only flow over the heat exchanger -- picking up the heat and cycling it into the home (hence the term heat exchanger).

If you believe you have a problem with your heat exchanger, your furnace should be shut down (red tagged) and a service technician called immediately. Replacing a heat exchanger is not a minor repair. If your furnace is quite old, replacing the furnace may be a more viable option. Also note that doing any of these procedures without being certified and licensed with experience "can/probably will" void your unit warranty AND your home insurance policy should a fire/explosion or similar mishap occur and be proven to be the fault of said repair/procedure or be linked to furnace in any way.

More furnace troubleshooting tips can be found in my book, The Manual for Manufactured/Mobile Home Repair and Upgrade.

Mark Bower owns Aberdeen Mobile Home Repair and is the author of "The Manual for Manufactured/Mobile Home Repair and Upgrade" available on this website.

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The Manual for
Manufactured Home Repair & Upgrade

"Every winter my roof leaked...   We even had a couple manufactured home repairmen out to seal it.    Nothing worked and this went on for 5 years," said Maureen of Elko, Nevada.     "Then last summer I ordered The Manual and it suggested I use neoprene to seal the leak.    Since then I've had no leaks at all!"

Maureen is referring to The Manual for Manufactured/Mobile Home Repair and Upgrade by Mark Bower.    Most just dub it The Manual.    Bower owns and operates Aberdeen Mobile Home Repair in Aberdeen, South Dakota.

Maureen isn't alone.    Hundreds of others have written to Bower sharing similar stories of how The Manual has solved their problems.    Esther of St. Louis, Missouri, writes, "We had squeaky floors in the living room and without The Manual, I would have had my husband tear out the floors and put in new ones.    What a lifesaver!"

Bower enjoys the letters he receives regarding his manual. "I wrote this manual from experience," says Bower. "I'm not just some guy with his feet up on the desk - I'm out in the field every day doing what I write. "

Tom of Lansing, Michigan, followed the simple instructions on installing a shut-off valve and saved $75 on a service call.    Mary of Churdan, Iowa, writes to say she uses the manual to keep the repair guys she hires honest, "When I had my home releveled, I sent two different contractors packing because I knew they weren't doing the job right.    This manual has literally saved me hundreds of dollars!"

Bower has updated his manual.    More information was added regarding additions and porches.    "We added details on attaching porches so they don't leak even if they shift with the seasons. " says Bower.    With high energy prices now upon us, Bower says he's also included a section on building a solar heating panel.    "Find an old sliding glass door and you can build one for under $100," says Bower who built two panels for his own 1800 square foot manufactured home.    "You'd be surprised at how much heat they create when the sun is shining. "

David of Lake McConaughy, Nebraska, says The Manual should be called, The Mobile Home Bible. Dave writes, "I wish I had your manual when we had our 1965 Star.    It would have saved me WEEKS of work!"

Vicki of Ocala, Florida, bought Bower's manual because it had instructions for installing a metal roofover.    "My son and husband had the roof up in 2 days from start to finish," says Vicki. "The 4 inch overhang is awesome - no more water running down the siding. Great roof, great instructions, I love it!"

The Manual also helped Pam from Duluth, Minnesota, replace her skirting and repair her underbelly. "It gave me the courage to tackle these projects," writes Pam. " I saved a lot of money by being able to do it myself. "

Bower says many manufactured home owners are do-it-yourselfers, and he's glad to be able to provide them a tool, The Manual, to help them do more.

,

Get The Manual Now!

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JUST FOR MANUFACTURED HOMES!!! FREE LISTINGS FOR INDUSTRY PARTICIPANTS FOR SALE BY OWNER LISTINGS ONLY $39.95 HOMES LISTED ON THE MULTIPLE LISTING SERVICE ARE SELLING!!!
Check it out at www. mfdhousing.com/mls.

The Guide to
Manufactured Housing Repair On-Line
The MH Parts Store On-Line MH Parts may not be very pretty... but when you need them you just can't do with out them. Don't run all over town to assemble the things you need for that home renovation or repair. Order from our on-line parts store. Everything you need is here from doors, windows, screens, plumbing and electric parts, bath and kitchen fixtures, roof and ceiling components, and more.... even set-up materials, The Part Store's Owner/Managers, keep it simple, they just provide you with the best possible products available.

The Manual for Manufactured Home Repair & Upgrade If your looking for a book that covers all facets of manufactured home repair, you've found it! This is the only book of its type, available to the public, that we have been able to find. As you would expect from the title, The repair and upgrade techniques described in this manual are specific to manufactured homes. This book will answer almost every question on manufactured home repair that we have ever heard. Not only does this book show you how to repair and maintain your home, but also great methods for upgrading it.

Finance Your MH Renovation/Repair There are many loan programs available to MH Owners. Secure the money you need to renovate, upgrade, or even expand your MH. One stop shopping. select your loan preferences and we will forward your request for loan information to as many as a dozen participating manufactured housing finance offices.

Skirting For The 21 Century Manufactured Home System-1 is what skirting should be- 100% solid concrete. System-1 is not an imitation or a look alike it is the original concrete skirting system that resists the elements from the summer heat of Texas to the harsh winters of Minnesota. System-1 is built to last and is designed to stay put for years of dependable service. Stop chasing your skirting down the street and look at just some of the benefits System-1 concrete skirting provides you.

Manufactured Housing Yellow Pages / SERVICE COMPANIES The Yellow Pages is an ever expanding data base that is growing into one of the richest resources in the world for locating and contacting companies that participate in, or offer services to, the manufactured housing industry.

Floor Repair Info Kit includes a 25 minute VHS video about repairing the floor in your manufactured home, and a booklet on floor repair. Price:$25.95 - Shipping & Handling:$3.90

Painting and Texturing Paneled Walls By following the steps in this 20 minute video, your paneled walls will look darn near like textured sheetrock. Works on both wood paneling and vinyl-covered paneling or sheetrock. Price:$19.95 Shipping & Handling:$3.90

Lower Your Monthly Home Loan Payments

Tue 08/24/10 10:37:57 am
Financing or refinancing your manufactured or modular home NOT difficult as you might think. You may be surprised to see the variety of loan options available FOR YOU. Whether you are purchasing, refinancing, or looking to cash in on some of YOUR equity there is a financing option RIGHT HERE for YOU ... ...
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Cold Air Under The Bathroom Cabinet ?

Tue 08/24/10 10:21:00 am
I have a 2004 Homes of Merit 28 X 80. My AC comes into the house in a hollow section of the wall by the 2nd bathroom. You can feel alot of cold air leaking out of the wall under the bathroom cabinet and the light switch. My question is: is the corner of the wall a hollow chase and leads up to the duct work in the ceiling or is there duct work in the wall that must have come apart. The only way to find out other wise is to cut a hole in the wall under the bathroom cabinet and look inside.

Housing Starts Rise 1.7 Percent In July

Tue 08/24/10 10:16:09 am
Privately-owned housing starts in July were at a seasonally adjusted annual rate of 546,000. This is 1.7 percent above the revised June estimate of 537,000, according to the latest data from the U.S. Census Bureau and the Department of Housing and Urban Development The gain occurred entirely on the multifamily side, with single-family housing production falling 4.2 percent to 432,000 units.
"Builders are very reluctant to build more homes in view of the current state of the economy and weak buyer demand," noted Bob Jones, chairman of the National Association of Home Builders (NAHB) and a home builder from Bloomfield Hills, Mich.
"Right now the housing market is essentially in a holding pattern," acknowledged NAHB Chief Economist David Crowe.

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Can We Remove the I Beams ??

Thu 08/19/10 10:45:22 am
We have a double wide on a 4ft concrete foundation. When the house was set on the foundation, there were 2 beams that ran the length of the house in which then ends were left hanging loose. As a result of this the ends of the house were being pulled down by the weight of the beam, so my husband removed the bolts that were holding these to the house, the roofline then correcteditself. As a result of this we are having to replace part of the floor (particle board) that was ripped while the roof was being pulled down. My questions. Were these beams suppose to be removed at the time of setup on the foundation? If yes, any suggestion of how we can get them out now, since they rest on other beams that run accross the width of the house? (this work is over 10 years old and the set up co is long out of business). If these beams were suppose to be rest on the foundation itself, any suggestion for how to correct this now? Thank you

Economic Stimulus For your Family - Refinance for Lower Monthly Payments

Wed 08/18/10 11:59:57 am

Why are you waiting to refinance your manufactured home? Now is a great time to cut a deal and lower your monthly debt. Interest is back down, at historically low rates. Home sales are in a slump, which has made lenders hungry for new contracts. Take advantage of this unique time. If you have an adjustable mortgage or a high payment fixed rate now is the time to get moving before rates start to climb up or the housing market takes off again.

Refinancing your home loan is never a simple matter, but it is up to you to do those things which can insure that you get the best refinance deal possible. Here are some ideas that will help you work smoothly through the process:

1: Get the Best Refinance Interest Rate -Do Your Homework!

Even if you choose to use a mortgage broker, you will find that interest rates constantly change, literally hour by hour. By taking the time to educate yourself about mortgage rates you can help yourself to better gage when the rate is at its best it is likely going to be.

2: Get the Best Refinance Interest Rate Possible by using a service that has several finance companies competing for your business

Online mortgage services that are professionals in their trade are skilled in helping you to find the best refinance program possible. These services have access to thousands of lender programs for you to choose from. They can suggest lenders for just about every scenario possible. If you have bad credit, if you are self-employed, etc., no matter what your situation is a loan finder services can help find you the absolute best deal possible.

Manufactured Home Finder
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3: Get the Best Refinance Interest Rate by Buying Down

Assume that the best mortgage rate available today is 5%. By buying down your rate you can lower your interest rates over the length of your loan. This is also called "paying points." If you were to buy down the 5% rate, you might easily end up with a 4.5% mortgage. The cost to you would be a few thousand dollars at closing, This would save you tens of thousands of dollars over the life of your mortgage term. Paying points always makes sense if you have the available capital and do not need to use it in other areas.

4: Get the Best Refinance Interest Rate by Negotiating

Most people don't know that mortgage rates and even fees are always negotiable! By playing two or more lenders against each other, you can come up with an absolute rock-bottom interest rate. Successful negotiation requires that you are always prepared to walk away from the deal, that you say "no" until you get what you are looking for, and that you are both patient and well educated.

By educating yourself, using loan finder service, paying points, and using simple negotiation skills, you can get the best refinance rate available. Whether you have excellent credit, or not so good credit, you can find an excellent rate and refinance your current manufactured housing loan. By doing your homework you can save yourself thousands of dollars over the life of your loan.

Getting FREE Mortgage Quotes from several lenders is simple! Answer a few basic questions and click the "Submit" button. You'll be matched with the lenders and brokers who could meet your exact financing needs. All Loan Types Available: Purchase, Refinance, Home Equity, Home Improvement, Debt Consolidation, Cash-out, FHA/VA, and Even Land/Home Construction Loans.

What's more, the Manufactured Housing Loan Finder is easy to use, and it costs nothing to participate. Just take a few minutes now to complete the short questionnaire on this page. Then, based on what you tell us, our lenders can find a loan that matches your needs. Within just 24 hours, your request for loan information can be answered by several participating manufactured housing finance offices.

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One Stop Manufactured Home Loan Shopping It is easier to shop here for a manufactured home loan then anyplace else in the world! We do all the leg work. Submit the fast, easy form below , select your loan preferences and we will forward your request for loan information to several participating manufactured housing finance offices. You elect to get your information by e-mail, snail mail, fax, or you can request that a representative of each finance company phone you to explain their programs and application process.
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How Much Can Your Afford to Spend On Your Next Home?
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Do It Yourself - Save On Electric Clean Your Air Conditioner

Wed 08/18/10 11:21:29 am

For the most part the average homeowner IS NOT able to repair their own air conditioner unit. Many of the repairs will involve removing the freon and that requires special equipment and you must be licensed to handle the freon. But a homeowner can keep the condenser and evaporator coils clean which will help the unit run longer and more efficiently. For the purposes if this article, we are referring to a split system meaning that the condenser is located outside and the evaporator (A-coil) is located in the furnace.

When cleaning the coils, use a foaming coil cleaner for the outside condenser, and a non-foaming cleaning for the inside a-coil. The coil cleaners can generally only be found at hvac or plumbing suppliers.

Cleaning the Condenser

Step 1 - Shut off power to condenser and check to be sure it is off.

Step 2 - Mix some high-foaming coil cleaner with water (per instructions) and pour into a sprayer and saturate the coils of the condenser. Spray the coils from the outside only.

Step 3 - Let the coil cleaner soak for 10-15 minutes while you remove the top part of the condensing unit with the fan attached. On some units you may have to remove the whole top. Cover with plastic bags anything electrical that may get wet.

Step 4 - After 15 minutes, saturate the coils again from the outside.

Step 5 - Let coil cleaner soak for 5 more minutes.

Step 6 - With a garden hose inside the condenser, spray the coils so the water spurts to the outside. Never spray the coils from the outside as the water may pack the gunk tighter into the coils rather than pushing it out.

Step 7 - Repeat until your rinse water runs clear through the coils.

Cleaning the Evaporator (A-coil)
On the inside of your home in the furnace is the evaporator -- also known as the 'air-conditioning coil' or 'A-coil' because it's shaped normally like an 'A.' The A-coil must be kept clean as air from the blower must be able to freely flow through it during both the heating and cooling season. To clean your A-coil, follow these instructions:

Step 1 - Carefully remove the panel to expose the A-coil. Don't damage any a/c or gas lines that may be nearby.

Step 2 - Vacuum the dust from the coils (below). Stubborn dirt can be loosened with a toilet brush. The flat-style toilet bowl brush works best because it fits better along the bottom. Work carefully as the fins on the A-coil will bend easily.

Step 3 - Spray non-foaming A-coil cleaner on the coils (below). Do this step only if it's warm out and you can run the air conditioner for 30 minutes or more. Before spraying, put on gloves, goggles and a mask. Open all windows as the fumes may be strong. Mix the A-coil cleaner according to the instructions and pour into a garden sprayer. Spray the coils until saturated.

Step 4 - Put the cover back on and turn on the a/c as soon as possible. Let the a/c run for at least 20-30 minutes as the condensation must flush the cleaner from the coil. Do not flush the A-coils with water. If the coil cleaner isn't removed right away, it may damage the coils. It may take several cycles to totally rinse the cleaner from the coils. After the first long cycle, normal cycles are fine.

A note about coil cleaners. Some cleaners are designed only for the condenser coils, some are designed for the evaporator coils, and some are designed for both. The cleaners should be non-acid. Again, use high foaming for the outside condenser, and non-foaming for the inside a-coil.

Also, if the smell of the cleaner bothers you, mix a 50/50 solution of water and bleach and spray it on the coils as well. The bleach will eliminate most, if not all of the smell of the coil cleaner. Also pouring a 1/2 cup to 3/4 cup of the 50-50 solution in the drain pan will also help the smell, but is for the drainline and keeps it clean of bacteria, germs and odors. It also helps prevent clogs.

Mark Bower owns Aberdeen Mobile Home Repair and is the author of "The Manual for Manufactured/Mobile Home Repair and Upgrade".

The Manual for
Manufactured Home Repair & Upgrade

"Every winter my roof leaked...   We even had a couple manufactured home repairmen out to seal it.    Nothing worked and this went on for 5 years," said Maureen of Elko, Nevada.     "Then last summer I ordered The Manual and it suggested I use neoprene to seal the leak.    Since then I've had no leaks at all!"

Maureen is referring to The Manual for Manufactured/Mobile Home Repair and Upgrade by Mark Bower.    Most just dub it The Manual.    Bower owns and operates Aberdeen Mobile Home Repair in Aberdeen, South Dakota.

Maureen isn't alone.    Hundreds of others have written to Bower sharing similar stories of how The Manual has solved their problems.    Esther of St. Louis, Missouri, writes, "We had squeaky floors in the living room and without The Manual, I would have had my husband tear out the floors and put in new ones.    What a lifesaver!"

Bower enjoys the letters he receives regarding his manual. "I wrote this manual from experience," says Bower. "I'm not just some guy with his feet up on the desk - I'm out in the field every day doing what I write. "

Tom of Lansing, Michigan, followed the simple instructions on installing a shut-off valve and saved $75 on a service call.    Mary of Churdan, Iowa, writes to say she uses the manual to keep the repair guys she hires honest, "When I had my home releveled, I sent two different contractors packing because I knew they weren't doing the job right.    This manual has literally saved me hundreds of dollars!"

Bower has updated his manual.    More information was added regarding additions and porches.    "We added details on attaching porches so they don't leak even if they shift with the seasons. " says Bower.    With high energy prices now upon us, Bower says he's also included a section on building a solar heating panel.    "Find an old sliding glass door and you can build one for under $100," says Bower who built two panels for his own 1800 square foot manufactured home.    "You'd be surprised at how much heat they create when the sun is shining. "

David of Lake McConaughy, Nebraska, says The Manual should be called, The Mobile Home Bible. Dave writes, "I wish I had your manual when we had our 1965 Star.    It would have saved me WEEKS of work!"

Vicki of Ocala, Florida, bought Bower's manual because it had instructions for installing a metal roofover.    "My son and husband had the roof up in 2 days from start to finish," says Vicki. "The 4 inch overhang is awesome - no more water running down the siding. Great roof, great instructions, I love it!"

The Manual also helped Pam from Duluth, Minnesota, replace her skirting and repair her underbelly. "It gave me the courage to tackle these projects," writes Pam. " I saved a lot of money by being able to do it myself. "

Bower says many manufactured home owners are do-it-yourselfers, and he's glad to be able to provide them a tool, The Manual, to help them do more.

,

Get The Manual Now!

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The Mother of All �Community Policies�

Tue 08/17/10 03:05:30 pm
Over the years I accepted that most residents tossed and lost those little booklets we used to hand out with pages and pages of Community Rules & Regulations. So I put together my well known One Pager & tossed out those booklets. What I found is that the Resident P & Ps did more than spell out the dos and donts for the residents. I believe that these policies also spell out for the manager what is expected of them. Whatever is in the policies I expect the manager to live by. But one of the secrets is that I also provide the manager the tools and time table so that their task of creating a uniform compliance by residents is manageable and with predictible results. Best of all it accomplishes this WITHOUT creating a Hostile environment for the residents or the manager.
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Consumers get $21M after mortgage fraud accusations

Tue 08/17/10 03:00:00 pm
Sanford, N.C. Approximately $21 million is back in the hands of North Carolina consumers. Four big mortgage companies paid the money after being accused of fraud.....
The money is coming from the people who handled Farnsworths mortgage. WR Starkey Mortgage is writing checks to 171 North Carolina families. The company is accused of using inaccurate credit information to get people loans and working with a home dealer to inflate the prices of manufactured homes.

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MOBILE HOME INVESTING: Banks Should Post Warning Labels

Tue 08/17/10 10:08:21 am

Todays mail brought an unsolicited brochure from one of the local banks entitling me to open a premium interest rate CD or IRA account. In large bold print, it goes on to say I will earn one of the highest rates available in years. Their chart shows how I can invest $1,000 for 2 years and earn 5.5%, 3 years 5.75% and if I leave my money in their bank for 5 years, Ill earn a whopping 6%.

And if these rates arent bad enough, I just checked to see what interest my bank is paying on a checking/saving account that we use to pay monthly bills. And I wish I hadnt looked. That account is paying 1.88% interest. Its true we dont keep much money in that account, just enough to cover the necessary monthly bills, but Im wondering if I might be better off to stick the money under the mattress.

I think banks should be required to post the following warning labels on all their advertising material saying: WARNING! BANKS ARE HAZARDOUS TO YOUR FINANCIAL HEALTH! After all, the government requires warning labels on other things that are harmful to us, so why not require the same type warnings for our hard earned money.

This reminds me of the age old saying, If you think education is expensive, try ignorance. I cant imagine how much money must be invested in CDs, T-Bills and bank accounts by people who never learned how to do better with their money. You dont have to be a financial genius to learn how to make good returns on your money, but you do need to understand financing and learn how to make your money work at a rate of return that will give you a good profit after allowing for inflation and taxes. And 5%-6% just wont do it. Lets play what if.

What if you know a person that wants, or needs something, but that person doesnt have the money and cant get bank financing to buy that something. That something could be a mobile home, car, truck, boat, furniture, appliances, shed, deck, computer, new carpet, a new roof, auto repair, or a zillion other things. Since Im partial to used mobile homes, lets say that something is a mobile home and see if we can create a note paying far more than any bank or CD will pay.

This is what I call my 10-10-10 rule. We buy a mobile home for 10% below fair market value (FMV), sell for FMV, with 10% down and 10% financing. (If you cant negotiate to buy 10% below fair market value for cash, then you need to take a seminar on negotiating). Lets do a deal.

Deal #1. We find a used mobile home, or something, with a FMV of $5,000 that we can buy for $4,500 (10% below FMV). We sell for $5,000 (FMV) with 10% down and carry a note for $4,500, 10%, 25 months, $200 per month. We have $4,500 left in this note. If I punched the right buttons, thats a 21.6 % return.

Deal #2. Now, lets increase our prices and see if this theory still works. We find a home with a FMV of $7,500 and buy it for $6,750 (10% below FMV). We sell for $7,500 (FMV), 10% down ($750) and 10% financing. We carry the note for $6,750 for 35 months with payments of $223.14. We have $6,000 left in this note. Is that 18.5% return?

Deal #3. Well now buy a home for $10,000 (FMV) for $9,000 (10% below FMV) and sell for $10,000 (FMV), 10% down and a note for $9,000 payable $254.85, 42 months. We have $8,000 left in this note and that works out to be 17.2% return.

It takes 12 years for money to double at 6% rate of return. On your $5,000 deal (#1) where youre making 21%, your money doubles in 3.6 years. On the $7,500 deal (#2) (18.5%), about 4 years, and on the $10,000 deal (#3) (17.2%), 4.4 years. In your worse case scenario (17%), your money doubled almost 8 years sooner than the person with money in CDs and banks. Is it possible that with a little education about notes and financing, that you are at least 8 years ahead of the person that didnt learn how to make more than 6%?

Lets do a comparison and see what a terrible price the 6% investor is paying for not learning about money. It takes 12 years to double your money at 6%. If you invest $1,000 at 6%, (compounding monthly) you will have $2,050 at the end of 12 years. But if you can make your $1,000 earn 17%, (deal #1) you will have $7,581 after 12 years. At 18.5% (deal # ) you will have $9,052. And at 21% it will be $12,160.

Even in your worse case scenario (17%) you will have over three times more money than the 6% investor. At 21% you will have almost five times more money. And thats only for 12 years, if you want a real shocker run the numbers for 20-30 years.

I suppose we could sum this up by saying, The More you Learn-The More You Earn. This is a good lesson in compounding power. And a good lesson why so many people stay poor, and the banks get rich.

Happy investing,

Lonnie

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How to Buy, Sell & Finance
Used Manufactured Homes for
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Proven Facts....Building Cash Flow With Mobile Homes

Learn How TO Put Your Money To Work Earning 50%-75%-100% And More

...was written from the actual experiences of Lonnie Scruggs, the "Father" and "Master" of the used manufactured home business. Lonnie shares his many years of experience and shows you how to make fantastic profits in one of the least recognized, yet best money making business in the country.

Deals on Wheels guides you step by step and shows you how to make your money work for you, instead of you working for your money. If you are still working a "job" you can't afford not to have this book.... It could change you financial future!

Manufactured Homes & Wind Storms...This may blow you away!

Mon 08/16/10 09:28:50 pm

Manufactured Homes, tornadoes, hurricanes, high winds: are these of concern to you? Check out these amazing facts on modern manufactured homes in wind storm conditions!

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Increase Your Wealth and Cash
Flow with Mobile Homes on Land!

Investing in Mobile Homes with Land is an easy-to-read, "real world" guide to creating and developing mobile home/land deals for cash flow and long-term wealth. This is a "must have" whether you are a rank beginner or seasoned investor.
Here's just some of what you'll learn:

*       Why invest in mobile homes with land

*       Advantages of double-wide land/home deals

*       How to buy single-wide land/home deals ("cash flow critters")

*       Developing land/home packages from the ground up

*       How to determine value

*       How to estimate your expenses

*       Due diligence: What to know before you buy

*       How to find the really good deals

*       How to work with truly motivated seller

*       How to get real estate agents to cooperate

*       How to build rapport with lenders

*       How to use a "land bank" to skyrocket your net worth

*       Real estate closings, step by step

*       The tips and tools for mobile home repairs

*       How to choose tenants and manage your properties

*       How to create financial independence and long-term wealth

Manufactured Home Loans: What�s the Difference Between a Personal Loan and a Mortgage Loan?

Fri 08/13/10 09:19:10 pm

Manufactured homes are an interesting animal to be sure. It is the only form of housing that can either be classified as Personal Property or Chattel (like a car) or Real Property (like a regular site-built home) and how the distinction is determined can be confusing.
To be considered real property, the owner of the manufactured home must also own the land upon which the home sits. Even when the homeowner owns the land, he/she may choose to title each separatelythe home as personal property and the land as realty. However, if one wants to secure an FHA-insured mortgage loan, the home and land must be conjoined as a single entity as REAL PROPERTY.

There is the old joke with lenders that youll pull your trailer out in the middle of the night and haul it down the street and the will be left holding the bag. The truth is that until the home is titled as real property, your manufactured home will be treated just like a car (Chattel) in the eyes of a lender.

What makes it all the more confusing when seeking a loan is that the titling process varies from state to state. In some cases, the conversion to real property is a simple paper transaction removing the title off the Department of Motor Vehicles (ie Arizona and Oregon).

In other states, the building jurisdictions are involved and require installation of a permanent foundation to detitle the home as personal property and convert it to real property (ie California, Nevada and New Mexico). The Fannie-Mae website details the state by state titling procedures and is a valuable resource for both the loan processor and the borrower before they set the stage for a loan. Fannie Mae.

FHA-Insured Manufactured Home Mortgage Loans on Real Property also need to meet other requirements. It is critical that the home meets all the criteria or the loan will fail to be processed:

The manufactured must be a HUD home, which means it must be manufactured after June 15, 1976. If there are metal plates at the rear of the home that begin with a three Alpha letters like CAL, ARZ, ORE, thats usually a good sign. If the HUD label is missing, usually a label verification letter from the Institute for Building Technology and Safety (IBTS) www.ibts.org giving the provenance of the home will suffice.

The foundation system must meet the guidelines published in the Permanent Foundation Guide for Manufactured Housing, dated September 1996. A certification attesting to compliance must be obtained from a licensed professional engineer.

The manufactured home must be classified and taxed as real estate. A long-term lease may also be acceptable in certain instances. States vary on how the real estate classification is accomplished so this is another important aspect to understand.

The axles and tongues must be removed from the chassis.

The manufactured home must have an adequate perimeter enclosure with appropriate ventilation.

The manufactured home must not have been installed or occupied previously at any other site or location.

Must have a floor area of not less than 400 square feet.

Built and remains on a permanent chassis.

The finished grade elevation beneath the manufactured home shall be at or above the 100-year return frequency flood elevation.

Since manufactured homes are such a special animal, borrowers should deal with specialty performers, lenders www.themanufacturedhomelendingsource.com that understand and focus on the intricacies of the manufactured home loan process and engineers and contractors www.onthelevelcontractors.com that are knowledgeable about the Permanent Foundation Guide for Manufactured Homes, dated September 1996.

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Manufactured home dealers seeing sales boost

Fri 08/13/10 04:53:27 pm

Aug 12, 2010 Manufactured home dealers across Mississippi are crossing their fingers for better sales in 2011.

The housing market has yet to fully recover from its fall several years ago. However, some dealers such as Southern Colonel Homes of Laurel and Clayton Homes in Hattiesburg are seeing better numbers this year.

In fact, Clayton Homes, which is headquartered in Maryville, Tenn., is boasting a 22 percent increase in sales company wide so far this year.

Fred Townsend, vice president of Clayton Homes, said those numbers are even better in the Hattiesburg and Meridian markets, which serve Laurel.

"Our sales in our Hattiesburg market are up by 16 sales, or a 72.7 percent sales increase over the previous year," Townsend said, adding that Meridian has posted sales gains of 26 percent.

Townsend said the recent federal income tax credit to purchase a new home is partially responsible for the sales increase.

"2009 was such a bad year for the housing market," he said. "There was a lot of pent-up demand for affordable housing. We're the beneficiary of that."

Townsend said the average multi-section or modular home sold by Clayton is in the $65,000 to $70,000 range, significantly less than the average site built home.

Townsend said Clayton Homes operates 12 model home centers in Mississippi, three of which serve Laurel, and an additional 400 retail home centers across the United States. The company is owned by Warren Buffett and Berkshire Hathaway.

As for what the future holds, Townsend said he feels "very positive" that 2011 will be a turnaround year for the housing market.

"It's not a gut feeling," he said. "There's historical data, demand issues and demographic issues on our side. A lot of people are sitting on the sidelines right now, waiting to see what's going to happen. All of us feel strongly that 2011 will be a real turnaround year for housing and for us in particular."

While many companies are adopting the "green" trend," Townsend said Clayton Homes has built environmentally friendly for several years.

"We never got any credit for it or tooted our horn about it because it didn't capture people's imaginations very much," he said. "There's so much less waste because of the way we build."

Townsend said the company has geared more towards environmentally friendly products with all its factories certified as Energy Star.

"Customers in many areas get significant tax benefits or credits for buying Energy Star efficient houses," he said. "You never really take that into consideration when buying a house. But, if you can reduce what you're paying for power every month by 25 to 35 percent, that leaves a lot more discretionary income and makes it a lot more affordable."

Danny Smith, owner of Southern Colonel Homes in Laurel, said he's also seen an increase if business this year.

"Last year was one of the worst years we've ever had," he said. "We sold 112 homes, which was the best in the state, but it's still far from where it should be."

Smith, who has operated the business for four years, said he expects 2011 to also be tough due to difficulty in financing.

"Manufacturing housing is better than it's ever been," he said. "There's a lot of people who want to buy them, but they can't get approved for the money. Banks have really tightened up."

Smith noted that energy efficient homes have also improved greatly with energy efficiency and construction.

For more information on manufactured homes, visit www.msmmha.com.

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Risk of House Price Decline Slightly Shrinks

Thu 08/12/10 02:32:16 pm

The overall risk of future house price decline slipped in the first quarter of 2010 (Q110), compared with the previous quarter, according to the latest data from PMI Mortgage Insurance Co. the principal operating subsidiary of The PMI Group (PMI: 2.675 -3.78%). Despite the results, PMI finds that more than half of MSAs still remain at high risk of house price decline.

The Q310 market risk index, which uses Q110 data, dropped to 51.9 from 53.8. The score indicates the probability (from zero to 100) that the price of homes will on average be lower after two years. And while the risk of declines is less, economic analysts say house prices will likely continue to drop.

Read Full Story

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Special 2 Book Offer
Both of John Grissim's
Manufactured Housing Guides Capture both great resources and Save $15.90!...

The Grissim Buyer's Guide to
Manufactured Homes and Land
How to find a reputable dealer and negotiate a fair price on the best-kept secret in housing.

238 pages
Sixty six illustrations

This Book Alone
$29.95 + S&H

The Grissim Ratings Guide
to Manufactured Homes
Every MH Builder's Products, price ranges, construction ratings & much more...

96 pages
cutaway illustration
3-page table

This Book Alone
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A WEB SITE FOR YOUR MANUFACTURED HOUSING BUSINESS

Wed 08/11/10 09:07:01 pm

Our webmaster has 32 years experience in the manufactured housing business. He also has been designing MH business web sites since the begining of internet time. We can offer a unique synergy between manufactured housing and internet marketing available noplace else on earth. We will make your pages project a professional image that your prospects will trust, as we lead them to explore your products and services in greater depth. Inevitably this will lead to more enquiries and new business.

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Clayton to Ship Classrooms, Modular Homes to Haiti

Tue 08/10/10 11:55:40 pm

KNOXVILLE Clayton Homes Inc. is partnering with the Clinton Foundation to ship modular classrooms to Haiti as part of the effort to rebuild the country after its devastating earthquake several months ago.

Clayton Homes, a division of the Berkshire-Hathaway Co., said it has reduced the cost of the classrooms and plans to discount the cost of modular homes the company also plans to ship to Haiti. The Blount County-based manufacturer, which is the largest U.S. maker of modular and manufactured houses, wants the project to be a model for assisting other countries with housing and school building needs.

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The Manual for
Mobile Home
Repair and Upgrade

Whether it's a major roof replacement or a simple broken window crank, this is the only book of its type, available to the public. As you would expect from the title, The repair and upgrade techniques described in this manual are specific to manufactured homes. [MORE DETAILS]

Why I Love Mobile Homes - Part II

Sun 08/08/10 11:27:00 am

So I'm sitting outside the Kangaroo Convenience Store in Ocala, Florida, in July, sipping coffee and nibbling on a cheese muffin. (Never had one before, so I had to try one.) It was a quarter to six in the morning, in July, and all the gas pumps were occupied with vans and pickup trucks. At 5:45 AM, they were crowded!

I'm wondering, who are these people? The sun isn't even up yet, and they're here filling up on gasoline and caffeine. They looked familiar, and then I realized why. They are my customers, the buyers and renters of mobile homes, the most affordable housing in America.

These are the people that come to fix your roof when it leaks, your faucet when it won't turn off, and your wiring when your circuit breaker keeps tripping and you don't know why. Thee are the people that take your orders at the restaurant, help you when you go to Walmart, and answer the phone when you have a medical problem. They are the working men and women of this country, and some of them have to get up at 4 AM, to be at the gas pump at 5:45, so they can drive to work at arrive at 7AM to start their working day to feed themselves and their families.

Who am I? I'm the guy who sells, or rents them a home, a mobile home, so they can have an affordable place to live.

Go ahead, ask me. You know you want to.

How much?

I'm selling used mobile homes for $3,000, with $390 down, and payments of $95 per month for 3 years. The $95 payment is in additional to the lot rent of $295 per month, so they're monthly housing "nut" is $390. What does one look like? Look at the picture of the right of this paragraph. This is an average looking mobile home we sell. It has 2 bedrooms, 1 bath, and a porch. Some have carports (which by themselves cost almost $3,000 now to install.) We add the flowering bushes for free.

What happens at the end of the three years? I sign over the mobile home title to them, and they own it. Simple as that. If they want to move at any time, they can sell the mobile home, and get back their $3,000. I have some families living in my mobile home parks, and the husband moved a thousand miles away, in order to find work. He sends back the monthly payments so his family can continue living in their home. Why don't they all move together and leave? Because the mobile home is the only thing of lasting value they own.

If that same family rented the same mobile home from us, we would get a $390 security deposit, and then charge them $390 per month for rent, which is the exact same amount of money as $295 for lot rent and $95 for the mobile home payment. However, at the end of three years of committing to renting, all they have is rent receipts. At the end of three years of committing to buy the mobile home, and making payments to us, they own the home. THEY OWN THEIR OWN HOME! Same money, difference outcome.

So I sat there outside the Kanagaroo convenience store, watching the sun come up, sipping coffee and enjoying my cheese muffin, and I felt a sense of fulfillment with my life. My family business makes it possible for some of the working people of this country to own their home. These are the people who hold the country together, fix things when they break, help us out when we have problems, and are raising the next generation of Americans. They get up at 4 AM, fill up at 5:45 AM, and make it into work by 7.

If you think providing safe, healthy, affordable housing to these same people is doing something worthwhile with YOUR life, and you want to make a good living while doing it, then join us in a great business.

** This article is dedicated to my friend, Dovie.

Author and trainer Stu Silver, CCIM, is a Licensed Real Estate Broker and Mobile Home Dealer. He has 30 years of experience in Real Estate investment, 28 years as a Realtor, and 18 of those years specializing in mobile home investment. His family has real estate holdings that include 600 rental units, comprised of 12 mobile home parks, warehouses, mini-warehouses, outdoor storage, offices, single family homes, duplexes, and motels. He has conducted 3-day live trainings and Internet Distance Learning on Mobile Homes and other Real Estate Investments to over 5,000 enthusiastic clients all over the country. His books, which he writes under his pen name, Zalman Velvel, are Mobile Home Wealth and Mobile Home Wealth Part 2: Mobile Home Parks, are available at ManufacturedHousingBookStore.com.

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SIX HUNDRED Pages covering every step of the MOBILE HOME PARK INVESTMENT process. Including 12 places to find the BEST DEALS Written for people that have little or no experience investing in income producing real estate, or those who have read MOBILE HOME WEALTH (Part One) and are ready to go to the next level. Delve into the exciting and lucrative world of mobile home park investing. Mobile home parks are the best kept secret in the real estate market. Previously hidden from the average investor. The reason... successful people dont want to make their business easy for competitors to copy. The author is not concerned with that. There are thousands of mobile home parks and hundreds or thousands of individual mobile homes for sale at any time... plenty to go around for everyone. Jump in and join the fun.
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Industry Woes: Head Up Or Heads In The Sand?

Sun 08/08/10 10:51:54 am

De Nile. A place, a state of mind, a state of being? (Yes, you have heard it before.) As I sat in or outside the intensive care room at the hospital recently (accidental overdose of a loved one), I thought, this was a tough way for any one to be shocked out of their denial. Pain medication addiction, of someone very close to me, had been difficult for me to watch also. Alone with my thoughts I occasionally shifted into thinking of the problems in our MH Industry. I could not help but draw a correlation between the denial of the addict and the seemingly lack of awareness or denial that I have picked up on in discussions among many community owners over the past several years. Community owners seeming unwillingness to look inward at how maybe our management styles and practices have led

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For the Past Year Home Prices Have Generally Moved Sideways

Sat 08/07/10 02:01:25 pm

Data through May 2010, released today by Standard & Poors for its S&P/Case-Shiller1 Home Price Indices, the leading measure of U.S. home prices, show that the annual growth rates in 15 of the 20 MSAs and the 10- and 20-City Composites improved in May compared to those reported for April 2010. The 10-City Composite is up 5.4% and the 20-City Composite is up 4.6% from where they were in May 2009. While 19 MSAs and both Composites reported positive monthly changes in May over April, only 12 of the MSAs and the two Composites saw better month-over-month growth rates in May than those reported in April.

The chart above depicts the annual returns of the 10-City and 20-City Composite Home Price Indices with increases of 5.4% and 4.6%, respectively, in May 2010 compared to the same month last year. While still positive, Boston, Charlotte, Cleveland, Dallas and Denver reported weaker annual growth rates compared to their reports from last month. Seven of the 20 MSAs are still reporting negative annual growth rates with Mays data.

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