House hunting? Dreaming of home ownership? Freddie Mac is one of the two mortgage giants that under their Duty to Serve (DTS) program have created the step by step outline that follows below. That ‘road map’ to home ownership will be followed by additional information linked insights, commentary and an analysis in brief. As a brief background, Fannie Mae and …

“Debunking Manufactured Housing Myths – Get the Facts” is the title of a research report provided below by conventional housing mortgage giant Freddie Mac. Before diving into their statements, sources, and findings some context is useful for new and returning readers. For years, a decade to be more precise, Manufactured Home Living News (MHLivingNews.com) has highlighted the facts that debunk …

“As a result of western governments’ taking collective action under the auspices of a ‘climate change’ agenda, we are on the cusp of something happening with ramifications that no one has ever seen before,” said Sundance per the popular ZeroHedge news, finance, and investing site.  “Western governments’, specifically western Europe, North America (U.S-Canada) and Australia/New Zealand, are intentionally trying to …

“The Role of Manufactured Housing in Increasing the Supply of Affordable Housing” is a research report published by the Urban Institute and authored by Karan Kaul and Daniel Pang. It is a sad reality that manufactured housing is widely misunderstood. Impressions about manufactured housing are often driven by old and outdated stereotypes. To address this lack of factual and evidence-based …

Prior to diving into Ariana Figuero’s insightful report on how mobile and manufactured home residents are “sitting on a time bomb,” let’s be clear. There are two facers and bad actors in pretty much any walk of life one cares to mention. So, it should be no surprise that those who communicate in a different fashion than their behavior occurs …

Clayton Homes and their lending practices is mentioned by the Seattle Times in their Associated Press (AP) news report about another Berkshire Hathaway mortgage brand that the Department of Justice described as a ‘record settlement’ for ‘racially discriminatory’ ‘redlining’ in several states by another Berkshire Hathaway (BRK) owned HomeServices financing brand, Trident Mortgage Company. Are these similar claims in conventional …

Before digging into insights from the Vanderbilt Mortgage and Finance, Inc., Plaintiff, vs. Cesar Flores, et al, Defendants Case NO. C-09-312, the following background is useful. Since shortly after publishing the Manufactured Home Living News (MHLivingNews) report on “The Case Against Clayton Homes” on 5.28.2020, that report has had hundreds of thousands of hits from readers, and has routinely been …

As part of the featured image for this report by Now Earth reflects, the number of misleading headlines and reports surrounding the Department of Energy (DOE) manufactured housing energy rule are numerous. Since June 15, 1976 all HUD Code manufactured homes had to meet specific energy standards. Those standard demonstrably saved consumers money, especially when compared with pre-HUD Code mobile …

Freddie Mac released a research brief on June 29, 2022 on Manufactured Housing. That brief was provided to MHLivingNews and others in media and its key findings are found below. Their report will be followed by other information from mainstream news and other sources. Research Brief | June 29, 2022 Majority of Consumers Say They Would Consider Purchasing a Manufactured …

As numbers of affordable housing advocates know, Texas is the number one state in the U.S. for the production and shipments of new HUD Code manufactured homes. Texas is the second largest state in geographic size and in population. What happens in Texas has an impact on the rest of the nation. So, what recently occurred in their major party …

The Mortgage Bankers Association (MBA) in a press release dated June 8, 2022 said: “Mortgage applications decreased 6.5 percent from one week earlier…for the week ending June 3, 2022.” Joel Kan, MBA’s Associate Vice President of Economic and Industry Forecasting said that “Weakness in both purchase and refinance applications pushed the market index down to its lowest level in 22 …

On 9.7.2021, HousingWire’s editor Sarah Wheeler authorized and published an opinion column (op-ed) by Manufactured Housing Institute (MHI) CEO Lesli Gooch at this link here. This MHLivingNews editorial viewpoint will lay out several facts that shed light on why manufactured housing is underperforming during an affordable housing crisis. We’ll begin with the point that Wheeler agreed to publish a response …

Professor James A. Schmitz Jr.’s formal comments letter to the Department of Justice (DoJ) include the following observations: “monopolies inflict harm in many ways. These include: A. Monopolies sabotage and destroy markets. They typically destroy substitutes for their products, often those that would be purchased by low-income households; B. Monopolies also use their weapons to manipulate and sabotage public institutions …

Preface. As a disclosure, this writer has spent about half of my adult life living in manufactured homes. From Texas to Wisconsin, Illinois to Oklahoma, I’ve owned and lived in several HUD Code manufactured homes I was happy to have my friends and colleagues come to visit. I’ve also spent numbers of nights in later model mobile homes (late 1960s …

A possible tidal shift is underway in America. It is the battle over the future of the American Dream, as will be unpacked from the facts, evidence and viewpoints that follow. In the wake of 4-decade high inflation, a largely open southern border, foreign policy disasters in Ukraine and Afghanistan, domestic policy woes in fuel, food, housing, automotive, and more …