Responding to Rob Carson’s ‘Trailers’ and Dave Ramsey ‘Mobile Homes’ Errors, Why it Matters to Manufactured Homeowners, Professionals, Affordable Housing Advocates, Media, and Public Officials

In all languages, definitions and the meanings of words matter. “A manufactured home is not a motor home or trailer, and although it is often called a “mobile home,” it is not that either,” explained the National Fire Prevention Association (NFPA) in their report which then illustrates why the language matters.  The NFPA report that made that pithy observation explained that manufactured homes are about 3 times safer against a fire than a mobile home and are about as safe, or safer, than conventional site-built housing against a fire, even though they are only about half the cost per square foot. That safety report continued: “A manufactured home is a structure built on a chassis and designed to be towed by a [specialized heavy-duty] vehicle [i.e.: truck or “totter”] to a permanent or semi-permanent site, where it will be used as a single-family residence.” That said, Newsmax weekend show and rising syndicated talk radio host, Rob Carson, has repeatedly and errantly called manufactured homes “trailers.” Carson has done so though this issue was directly brought to his attention. Similarly, financial advice guru Dave Ramsey has oddly, and per the evidence, mistakenly called manufactured homes “mobile homes.” Facts are what they are, and inaccuracies – regardless of who shares them – ought to be corrected. Ramsey has further repeatedly erred by falsely asserting that buying a manufactured home is ‘like buying a car you sleep in,” then inaccurately claiming ‘they lose value like a car’ (see below).

To be clear and fair, Carson has told his listeners he has personal ties to ‘trailers.’ He apparently doesn’t think he is slurring the roughly 22 million Americans who own and/or live in a pre-HUD Code manufactured home (about 20 percent of that 22 million residents) or a post-HUD Code manufactured home (about 80 percent of that 22 million Americans). But no matter how innocently Carson’s remarks may be uttered, wrong is still wrong.

Due in part to the infamous remark by Democratic political operative James “Jim” Carville, “Drag a hundred-dollar bill through a trailer park, you never know what you’ll find,” the word ‘trailer’ when used in a mobile home or manufactured home context is routinely considered a slur. Quoting: “Trailer is akin to a slur,” said a headline of The Morning Call digital edition on 2.7.2020.



CBS News found themselves on both sides of the terminology fence, with a professional in their news video item explaining that trailer is a slur, because of the unjust connection of ‘trailer trash’ that Carville’s infamous comment played on. Even if numbers of manufactured homeowners, often due to years of regrettable cultural conditioning, themselves may say ‘trailer’ or ‘mobile home,’ that still doesn’t make it correct. But why?

Note: errors may be common, but they can still be errors


Contrast what CBS’ show did with what the first Office of Manufactured Housing Programs (OMHP) administrator, William Wade “Bill” Matchneer, J.D., said in this illustrated video are the facts about modern manufactured housing.



Because as the NFPA noted, this boils down to a matter of definitions and the proper vs. improper use of words. Manufactured homes are safer due to the difference in construction standards. Manufactured homes are not a mobile home, nor are mobile homes a ‘trailer house.’ The photos below illustrate each type of housing. As attorney and manufactured home professional Steve Duke, J.D., explained: “The terminology matters because the terminology determines the construction standards a home was built to.”



One of several reasons why terminology matters are these facts from the NFPA. Manufactured homes are proven safer than mobile homes that have not been updated.


Trailers houses evolved out of the recreational vehicle industry. House trailers from the 1930s to the 1950s were different than a towable RV, even though both could be towed. Mobile homes evolved from house trailers in the 1950s but were bigger and needed a truck or ‘totter’ to move them. Mobile homes were built from the 1950s to the mid-1970s. Manufactured homes were routinely larger still than the mobile homes of yesteryear. Manufactured homes can be single section or multiple sections. The differences include the construction standards the homes were built to, with manufactured homes built to meet the rigorous construction and safety standards established by Congress in 1974 and which went into effect on June 15, 1976 and are administered by HUD.


The Associated Press (AP) is supposedly wrestling with the guidance on this topic, which the Manufactured Housing Institute (MHI) may have regrettably muddied and slowed. Those linked, behind the scenes, points noted, the AP Stylebook was provided this expert guidance about a year ago. It shows proper definitions as well as visual clues as to what type of house is an actual trailer, what is a mobile home, and what is a manufactured home.


Which Is It? Is it a Mobile Home or a Manufactured Home? Visual Guidance Planned by AP Stylebook for Reporters/Journalists Useful to General Public, Public Officials, and Researchers


To Dave Ramsey’s apparently flawed advice is illustrated with these true and apparently flawed or false remarks from 11.14.2022. “Mobile homes have come a long way since your grandparents’ time. The trailer homes of the 1950s have given way to the homes of today—and sometimes, you can hardly tell the difference between the two without a good, hard look.

Better-looking options at affordable prices are helping mobile homes make a bit of a comeback these days. And thanks to the red-hot housing market in most areas, many people are considering saving money by downsizing to mobile homes. Sounds good, right? But is this a good idea in the long run?


Mobile homes are a terrible investment because they drop in value super fast—the same way your car loses value the second you drive it off the lot.”

Those are Ramsey’s words, and as what follows below demonstrates, they are often wrong. Ramsey has been advised directly by MHLivingNews and others publicly before.  Yet, he continues to double down on errors. It is regrettable, as some of his other advice has merit.  But when a source provides a mix of good and bad information and won’t make corrections, it may have the tendency to cause thinking people to wonder what other errors a source may be providing their followers.



This graphic below from Ramsey is a summary of some of his claims and then in the call out box by MHLivingNews, a brief explanation of his errors is provided below.

In George Orwell’s dystopian novel, 1984 (Nineteen Eighty Four) someone can find the satirical remark, “Ignorance is strength.” But for most intelligent and informed people ‘ignorance is strength’ is an obviously flawed and contradictory posture.

Additional Information with MHVille Expert MHLivingNews Commentary and Analysis

So, despite Ramsey being informed otherwise, he has continued years of prior habitual misuse of terminology. A few points may be useful to the public at large.

  • First, Ramsey should know that there have been no ‘mobile homes’ built in the U.S. since June 15, 1976.
  • Second, the National Association of Realtors (NAR) research are among those who have debunked the claim that properly installed manufactured homes fail to hold up in severe weather. Yes, a very limited number of mobile homes, manufactured homes, and site built housing get damaged or destroyed every year. But the numbers lost annually are thankfully only a tiny fraction of a percent. The odds are wildly in favor of someone living in a manufactured home that they will never but hurt, harmed, or killed in this type of factory-built home. See the linked information further below.
  • Third, see the graphic above that sums up in rapid-fire fashion the evidence-based statements that arguably rebut and correct each of Ramsey’s errors.

No less a figure than prior HUD Secretary Ben Carson took on some of these mistaken notions about terminology and the safety, value, and durability of modern manufactured homes.




As HUD Secretary, Dr. Ben Carson pushed back against the false claims about modern manufactured homes. He did so numerous times. See the examples with videos in the report linked below.


Still from mainstream news video, along with others, posted on the website linked below.


Regardless if someone is from the political left (as is Carville), center, or right (as is, for example Dr. Carson), the use of improper terminology ought to be avoided.

This should be especially true when the terminology in question is hurtful, misleading, or is otherwise harmful.

For example. Some blacks may call themselves or other blacks the n-word, but that doesn’t make it proper. Who used that example? The Rev. Donald Tye Jr., a black man. Rev. Tye Jr., whose family grew up in a pre-HUD Code factory built home, has praised this housing option for years, as an online search will reflect. Tye has underscored the point that no manufactured home should be called a trailer or mobile home. A video interview with Tye is found at this link here.



See the interview with the Rev. Tye and the related discussion on enhanced preemption at this link here.


Among Ramsey’s obvious errors that research has debunked is this example. LendingTree has reported two years in a row that manufactured homes are routinely appreciating. As the report linked below reflects, manufactured homes are appreciating faster in over two dozen states than are site-built housing. So, Ramsey’s financial advice – his forte, his expertise – when it comes to housing is apparently factually WRONG.

Ramsey and his company have been advised in writing of this error previously. He may never make the correction. That problem is obviously on him. But as noted above, it sparks the question. If Ramsey is wrong on this, what else is he mistaken on? Does Ramsey and his firm lack the humility to make a public statement that corrects his repeated errors?

Here is what the Society of Professional Journalism (SPJ) Code of Ethics says about errors once they are discovered. While this may or may not be taken to heart by Rob Carson or Dave Ramsey and his firm, they are nevertheless an illustration of what a true professional ought to do (particularly see the remarks with the orange arrow).


This MHLivingNews website, and our sister site, have for years held those inside and outside of the manufactured housing industry who have made demonstrable errors to account. Prior fact checks and public ‘corrections’ of Ramsey’s errors are found at the links that follow.| | | and |


Like Ramsey, Rob Carson has been advised in writing on this specific error on his part. Only time will tell if he will ever make the correction. Those who know the truth but deliberately misstate the facts are a shame for the ones making the incorrect remark, be it about manufactured housing, blacks, or any other kind of prejudice, bias, bigotry, or ignorance.

That said, does pundit Carson, who routinely has interesting and sometimes funny remarks from the political right, honestly want to be on the same page as his political opposite in Carville? Does Carson really want to, perhaps unwittingly, risk alienating millions of potential listeners?

Whatever one’s politics or ethnicity, people of good will ought to use correct terms. To do otherwise might be ignorant or otherwise problematic.


For the Millions Who Live in a Mobile Home or Manufactured Home

For those who live in a mobile home or a manufactured home, they have a stake in this terminology issue. It could be summed up like this. Which do you think will have a higher resale value, a trailer? Or a manufactured home? Will a mobile home sell for more, or will a manufactured home bring a higher value? Doesn’t the latter term – manufactured home – sound better, more sophisticated, and thus more appealing? It ought to be obvious.

But even for those who will never plan to sell, doesn’t the greatest degree of separation from the derogatory term ‘trailer trash’ make sense?

This writer has been repeatedly asked to address this terminology issue. Once is obviously not enough. Years of misinformation require periodic corrections. But each one that reads this could email a link, post a link, share an appropriate quote, or otherwise get the word out to others.

Two (or more) wrongs have never made something right. It is entirely proper to use the right terminology each and every time someone is speaking about a mobile home or manufactured home. Enough said about that for today. ##
























To get our free x2 weekly industry-leading emailed news headlines in seconds, click here or above.


We recommend that news tips NOT use company, nonprofit or organizational emails or cell phones. To report a news tip, click the image above or send an email to – To help us spot your message in our volume of email, please put the words NEWS TIP or COMMENTS in the subject line.


That’s a wrap on this installment of “News through the lens of manufactured homes and factory-built housing” © where “We Provide, You Decide.” © ## (Affordable housing, manufactured homes, reports, fact-checks, analysis, and commentary. Third-party images or content are provided under fair use guidelines for media.) (See Related Reports, further below. Text/image boxes often are hot-linked to other reports that can be access by clicking on them.)

All on Capitol Hill were welcoming and interested in the discussion of manufactured housing-related issues in our 12.3.2019 meetings. But Texas Congressman Al Green’s office was tremendous in their hospitality. Our son’s hand is on a package that included a copy of the Constitution of the United States and other goodies. MHProNews has worked with people and politicos across the left-right divide.

By L.A. “Tony” Kovach – for

Tony earned a journalism scholarship and earned numerous awards in history and in manufactured housing. For example, he earned the prestigious Lottinville Award in history from the University of Oklahoma, where he studied history and business management. He’s a managing member and co-founder of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and This article reflects the LLC’s and/or the writer’s position, and may or may not reflect the views of sponsors or supporters.

Connect on LinkedIn:

Recent and Related Reports:

The text/image boxes below are linked to other reports, which can be accessed by clicking on them.




‘Inside a TikTok-famous luxury trailer home featuring an office, a laundry room, a 6-seat couch, and a fireplace’–Study Insider-Yahoo News Glory Lautner’s TikTok Manufactured Home Living Video


Celebrities, Millionaires, Billionaires and Their Appealing Manufactured Homes

Tesla-SpaceX-Boring Companies Ultra Billionaire Elon Musk, Among World’s Richest Men, Trades Mansions for Factory-Built Boxabl Casita PreFab Home

Billionaire$ and Millionaire$ Proudly Hang Out in New York Manufactured Homes, Condo Resort

Our Journey in Affordable Home Ownership – Challenges and Rewards of Quality, Affordable Manufactured Home Living – Hopes, Horrors, and a ‘Shocking’ Peek into Gonzo Journalism?


Storytellers Wanted! The Mobile and Manufactured Home Storytelling Project – Truth Tellers, Myth Busters, and Behind the Scenes Revelations are Encouraged Here


Check Also

DontLetAmericanDreamOfHomeOwnershipSlipAwayNAHB-NAR-MHI-MHARRfederal-IndependentFactsIncludingManufacturedHousingData1995 toAugust2023ChallengesAndSolutionsMHLivingNews

Don’t Let American Dream of Home Ownership Slip Away-NAHB, NAR, MHI, MHARR, Federal and Independent Facts Including Manufactured Housing Data 1995 to August 2023 Challenges and Solutions

On October 12, 2023 the U.S. Government Accountability Office (GAO) published a new report entitled …