Surprising Solution, Roadblocks to U.S. Affordable Housing Crisis

Imagine a U.S. senator, an association CEO, an award-winning lending expert, HUD’s secretary, the CFPB director and an array of home owners and housing professionals from border-to-border all agreeing in principle on a solution to the nation’s growing affordable housing crisis.

Imagine they all agree that regulations are part of the reason the solution is not being fully implemented. Then picture in your mind that millions of real people are being harmed by these regulations.  

There’s broad agreement on the solution’s value, and the way to more fully implement the environmentally friendly, safer, appealing answer that could save people and government serious money. 

This is not fiction, it’s the reality that this fast-paced, Inside MH Road Show video documents and explores.  

The video report could be best understood as complementing another video, linked here

Dr. Harold Hunt, Ph.D, with the Real Estate Center at Texas A&M University has done studies on the affordability and energy savings found in today’s manufactured homes. Dr. Hunt explains, “These are not your grand-father’s trailer house.” A residential style multi-sectional home is at the top, bottom right are single sectional manufactured homes under construction in an indoor production center.  Building indoors is one of the ways that costs are saved without sacrificing quality or safety.

Dr. Harold Hunt, from the Texas A&M Real Estate Center, says that modern manufactured homes are more energy efficient and appealing, save consumers money — and are not your grandfather’s trailer house

Image credits, MHLivingNews. Those on the right are stills from Inside MH Road Show videos.

An upcoming video we will soon feature will blow away the outdated myth that these factory-crafted homes are not as strong in a windstorm, hurricane or tornado as conventional construction. It is a given that a manufactured home has to be stronger than conventional housing, because it is designed to be transported along the highways at speeds, bucking headwinds comparable to a small tornado.

Engineer Dr. Tim Reinhold has already told MHLivingNews that these homes are surprisingly strong; see this link here.

You can learn more about the 2014 GAO Report referenced above, and how this impacts real home owners and those wishing to buy a modern manufactured home, at this link here. Graphic credit, Fannie Mae study. Arrow and commentary, MHLivingNews.

National Association of Realtors ® (NAR), the Mortgage Bankers Association, the National Association of Credit Unions. and a Florida manufactured home owners group are among numerous organizations that have agreed that the CFPB regulations have to be reformed. One path is via passage of S 682, The Preserving Access to Manufactured Housing Act, whose House companion bill – HR 650 – passed last spring by a wide margin with bi-partisan support. Another option is for the CFPB to change the regulation itself.

Top left – to Right: Alan Amy, Julian Castro, To Fath, Bob Corker. Center left to right: Mari Blaquiere, Richard Cordray, Richard “Dick” Jennison, Marty Lavin.  The residents seated who are raising their hands in favor of fairness in lending regulations towards manufactured housing were in Somerset, PA.  L. A. “Tony” Kovach is standing among those residents.  These are stills from the video above.

Dozens of consumers and experts we’ve interviewed in states across the nation told MHLivingNews that today’s manufactured homes are attractive, cost less to heat, cool and maintain than their conventionally built counterparts — at about half the purchase price.

The previous administrator of the HUD code manufactured housing program – the agency that regulates manufactured home construction and safety standards – has told us in a video interview that today’s manufactured homes are safer and stronger by design, and cost less because technology, buying in bulk, labor savings and building indoors saves consumers money.


A study by the National Fire Prevention Association (NFPA) notes that, unlike the mobile homes built before June 15, 1976, today’s manufactured homes aren’t “trailers” or “mobile” – and they are safer than conventional housing.

We’ve seen frugal millionaires and movie stars who have turned to manufactured homes as a smart choice for a quality, appealing custom home at a fraction of the normal price. 

We have also seen that federal officials know the facts, yet have not advanced the solutions that would save taxpayers money, without risk to the financial system and could create thousands of higher paying jobs.

It’s time for the brain trust of DC and – and some who are manipulating elements of the media – to get past whatever is holding them back, and act. Today’s manufactured homes are good for young, old or in between, for most economic, social, ethnic or other groups. 

There is no need to hunt for a solution that is already known and proven by millions to work. ##

L. A. “Tony” Kovach at an MH educational session . Tony is one of the most recognized experts on MH today. Kovach will be presenting at the 2016 Tunica Manufactured Housing Show, a trade show exclusively for MH Professionals.

By L. A. ‘Tony’ Kovach.

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