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Course description

Whether you call it a mobile home or manufactured housing loan, there are characteristics that are unique to these loans. Mobile home/manufactured housing loans can be confusing, and may be affected by the answers to these questions:

  • Is the home permanently affixed to real estate?
  • Is it unaffixed?
  • Is your collateral just the home itself?

You need to know those answers at the outset and that can be difficult at times when "mobile" is in the collateral description and your collateral has a title and wheels.

There are times when RESPA disclosures will be needed, depending on your loan characteristics. Compliance with flood insurance regulations may be required before you fund, or later. Later, how can that be? It's mobile and we'll talk about this. There are also exceptions for this type of loan so whether your lenders do these routinely or rarely, you must know which rules apply and when. We will discuss what "permanently affixed" means as you try and determine if your collateral is personal property or real estate.

In this webinar we will discuss mobile/manufactured housing (technically, they're all termed "manufactured homes" these days except those that are really old, but the common use of the term "mobile homes" persists) and compliance under:

  • Flood
  • Truth in lending and Reg Z requirements addressing:
    • Rescission
    • TRID
    • Home Equity Lines of Credit
    • Adjustable Rate Mortgages
    • HOEPA & High Priced Mortgage Loans
  • HMDA
  • Appraisal disclosures
  • Fair Housing
  • And more


Andy Zavoina

Mr. Andy Zavoina, CRCM, is an Executive Vice President with the Glia Group, Inc., best known for its involvement with He joined Glia and BOL in 2003. Mr. Zavoina has been in finance and banking for over 39 years. Over 20 years were with a two-bank holding company that had $534 million in assets, 89 branches spanning Texas and nearly 500 ATMs. He has done loan workouts, has been a consumer, commercial and real estate lender and managed those departments, as well as being his banks first Webmaster. He was responsible for compliance -management, -auditing, and -training for both banks. Mr. Zavoina is a recipient of the American Bankers Association’s Distinguished Service Award for his involvement and accomplishments in the field of regulatory compliance management. He is a past Chairman of the ABA’s Compliance Executive Committee, the Editorial Advisory Board for the ABA Compliance Magazine and served as a member of the ABA’s Compliance School Board. He is a BankersOnline Guru. He also served on the Texas Bankers Association's Compliance Committee. He is a graduate of the ABA National Commercial Lending School, National Compliance and National Graduate Compliance School and is a Certified Regulatory Compliance Manager with the Institute of Certified Bankers. He has written articles and lectured on compliance, the use of the internet and technology as a tool, as well as compliance in cyberspace to local, state and national associations across the U.S. and teaches basic compliance and compliance management. You can reach Andy on the Internet by using his e-mail address,, or visiting

Course curriculum

  • 1


    • Mobile Home Loan Compliance

  • 2


    • Slides

    • Questions and Answers