Manufactured housing has become a popular alternative for first-time homebuyers and others to achieve affordable homeownership. These homes are constructed according to the Manufactured Home Construction and Safety Standards, commonly referred to as the HUD Code. The HUD Code is administered by the U.S. Department of Housing and Urban Development’s Office of Manufactured Housing Programs to ensure the safety and quality of the nation’s manufactured housing stock, while the the Federal Housing Administration (FHA), also part of HUD, insures mortgages for manufactured homes titled as real estate and loans for the purchase of manufactured homes titled as personal property.

Join us as experts from HUD’s Office of Manufactured Housing Programs and FHA review these programs and discuss:

Teresa Payne Administrator Office of Manufactured Housing Programs, Office of Housing, U.S. Department of Housing and Urban Development

Ms. Payne has been with the Department of Housing and Urban Development since 1996. She began her career at the Department as an attorney in the Office of General Counsel where she worked primarily in the RESPA enforcement and RESPA policy areas. As a staff attorney, Ms. Payne also served as co-counsel for the Department’s first successful administrative action against a landlord for violations of the Lead Based Paint Disclosure Rule.

Ms. Payne served as the Director of Housing’s Office of Business Development where she was responsible for designing, creating and implementing a nationwide Account Liaison team. She was promoted to Associate Deputy Assistant Secretary for the Office of Regulatory Affairs and Manufactured Housing.

Since 2018, she has served as the Administrator for the Office of Manufactured Housing Programs, overseeing the National Manufactured Housing Safety and Standards Act. The program regulates over 140 nationwide manufacturing plants, 33 State Administrative Agencies, 12 third party inspection agencies, and nationwide installation programs and dispute resolution programs.

Ms. Payne obtained her law degree from George Mason University and her B.A. from the College of William and Mary.

Esther Yamashiro Housing Program Officer Santa Ana Homeownership Center, Federal Housing Administration, U.S. Department of Housing and Urban Development

Esther Yamashiro joined the Santa Ana Homeownership Center (SAHOC) in 2008 as an underwriter. She became a Branch Chief in the Processing and Underwriting Division in 2012, where she led the Lender Training Team. She also worked on several initiatives developing policy and processes during this time. She brings her experience in Single Family policies and programs to her current position as the Housing Program Officer for SAHOC with a focus on Education and Outreach. Prior to joining SAHOC, Esther spent 22+ years in private sector mortgage loan origination, underwriting and funding.

Mark Lowery Editorial Director October Research, LLC

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