“Falsus in Uno, Falsus in Omnibus;” Manufactured Housing Institute Admits Problematic Finance Stance, plus Manufactured Home Investing, Stock Updates

DowJones2.18.2021ManufacturedHomeStockUpdatesBroaderMarketSnapshotMammoth Nation noted in an email to MHProNews today the following, which may make an apt pivot to the second part of our headline topics.

Falsus in Uno, Falsus in Omnibus.”

Per Mammoth Nation, “This was a legal phrase invoked by President Trump’s lead attorney in his second impeachment trial before the U.S. Senate in February 2021. The prosecuting team of “House Managers” had been caught doctoring written evidence and presenting tailored video evidence of the capitol riot on January 6th, the date when the Senate was counting the electoral votes for the 2020 presidential election.

His point was that if those Representatives of the U.S. Congress (House Managers) were being deceptive in any of those things, in a legally binding prosecution, their entire presentation could be considered deceptive/invalid as well. The prosecution’s presentation took over 14 hours over two days, while the defense took about 2.5 hours in one day. President Trump was judged not-guilty in both of his impeachment trials during his four years in office.

Time to put a stop to this Democrat/Socialist/Communist plot against our country, including the degradation of one of the greatest President’s who ever served this country. We still stand with President Trump.

Remember, everything we have (our rights, desires, possessions, and life) are God’s. There will never be a time when it’s okay to let anyone take that away.”

MHProNews featured an item from the Mammoth Nation organization some weeks ago, at this link here.

That noted, the Mammoth Nation message above is provided as a matter of humorous timing. Their message came in at about the same time as the Manufactured Housing Institute (MHI) item below.  That from MHI will be our featured focus tonight.


For our growing numbers of new readers, a few quick evening/nightly market report insights.

  • Every business evening, MHProNews provides a bullet list of left-right news headlines from CNN and in a matter of moments, savvy professionals can see at a glance news headlines and views across the political spectrum.
  • This is a time saving and insightful way to quickly grab insights from across the left-right divide for those who are hooked on this market-nightly feature.
  • Our featured focus follows the quotable quotes, periodic political cartoons, those left-right headlines, and two of our three market summary graphics as reported at the closing bell.
  • After the featured focus, are some recent/related report links and the third manufactured housing focused stock equities graphic. There are some additional items that include the free signup for the manufactured housing industry’s x2 weekly emailed news to the most-read trade publication in our profession:

On a day that saw mixed manufactured home connected equities today, with more that dropped than rose, let’s press ahead toward our other business-nightly features and tonight’s focus on the MHI’s de facto admission on the issue of manufactured housing finance.


Quotes That Shed Light – Industry, American, Social, National Issues…




Understanding media bias is useful to sifting through possibly hidden agendas.




Former MHI state affiliates broke away and in 2018 formed the National Association for Manufactured Housing Community Owners, NAMHCO. They cited MHI’s years of failures as part of their reason for doing so.

Headlines from left-of-center CNN

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Headlines from right-of-center Newsmax

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  • Blinken: US to Pay $200 Million in WHO Obligations
  • Newsfront
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  • News Corp struck a global news deal with Alphabet Inc’s Google, the Rupert Murdoch-controlled media company said on Wednesday, in one of the most extensive deals of its kind with big tech. The companies will develop a subscription platform, share advertising revenue through…
  • Senate Panel to Hold Feb 23 Hearing on ‘SolarWinds’ Hack
  • The Senate intelligence committee will hold a hearing next week
  • Donald Trump to Newsmax TV: ‘We Lost a Great One’ in Rush Limbaugh
  • Dick Morris to Newsmax TV: Trump-McConnell Feud Symptom of Elite GOP Vs. Membership
  • ACLU Pressures AG Nominee Garland to Commit to ‘Racial Injustice’ Reforms
  • House Holds Hearing on GameStop Rally, Robinhood
  • NY State Assembly Republicans Move to Begin Cuomo Impeachment Process
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  • Nikki Haley: Liberal Media Wants to Stoke ‘Nonstop Republican Civil War’
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Market Indicator Closing Summaries – Yahoo Finance Closing Tickers on MHProNews…


Featured Focus –
Where Business, Politics and Investing Can Meet


As part of tonight’s news analysis on today’s tip on MHI’s latest email, was this commentary about the announcement of a new hire at the Arlington, VA based trade group. That new person “Indicates…that [Lesli] Gooch is not especially popular among D’s, [Mark] Bowersox is worthless, and they need help in dealing with the “new order.” Meaning, the new Democratic – i.e. D’s – Biden-Harris team and related.

As longtime detail-oriented readers know, MHI has in recent years avoided direct responses.  That noted, there are times that MHI seems to indirectly reply to MHProNews reports that involve them – even if only in an attempt to deflect – via their own emails to their members.

A recent example of that phenomenon is our report on Lesli Gooch and MHI’s purported “Backstab” by CEO Lesli Gooch, Ph.D..

Our website data tells us that our report linked above was published on February 17, 2021 @ 11:21:31 AM ET. MHI sent out an email to their members on Wednesday, February 17, 2021 2:01 PM. In it was the following item.


MHI Participates in FHFA Listening Session

In remarks before the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the Enterprises), MHI emphasized the need for Fannie Mae and Freddie Mac to meet their statutory duty to serve manufactured housing and urged FHFA to continue to hold the Enterprises’ responsible for meeting these obligations. MHI also focused its remarks on the Enterprises’ appraisal-related policies, practices and processes, specifically as it relates to Fannie Mae’s and Freddie Mac’s new programs – MH Advantage and CHOICEHome, respectively.”

Put differently, MHI oddly confirmed that they put their emphasis on CrossModTM homes! That despite the fact that sources with MHI confirmed on 2.17 that there is still “no traction” on the program.

But let’s unpack or ‘fisk’ the above from MHI in more detail.

  • In remarks before the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the Enterprises), MHI emphasized the need for Fannie Mae and Freddie Mac to meet their statutory duty to serve manufactured housing and urged FHFA to continue to hold the Enterprises’ responsible for meeting these obligations.”
  • How much good has MHI’s supposed “emphasized” advocacy been to “to meet their statutory duty” if a dozen years after the law is passed they still fail to do what the law and MHI themselves clearly implies?

Furthermore, it is interesting that MHI does NOT use Lesli Gooch’s name in this part of their message. Why not? She was the one that the FHFA source said delivered those remarks.

That noted, MHI admits – de facto confirms – the thrust of the MHProNews analysis. “MHI” said that they “focused” on MH Advantage and CHOICEHome.” What they did not say is that those are Fannie and Freddie’s names for what MHI calls CrossModTM.

Here is how Gooch said it on 2.11.2021. “Qualifying home features for the MH Advantage program, which is Fannie’s program, and the ChoiceHome program, which is Freddie’s program, align closely with the industry’s CrossModTM home.”

Rephrased, MHI answered MHProNews by confirming the core claim but by doing so with a series of incomplete statements, perhaps that could be called ‘artful dodges.’

MHI member lenders, producers, and retailers have all told MHProNews – in their own phrasing – that CrossModTM has “no traction.” As if to confirm that point, are the concerns and complaints that Gooch raised on 2.11.2021. Further underscoring that claim from a range of sources is the point that if CrossModTM sales were strong, they would obviously come out and say so. No doubt, so would Clayton Homes or any other producer building and retailing CrossModTM.

Which gets back to one of several points made in our deep dive yesterday. Namely, this.

  • Why is MHI and their 3 largest producers pushing and pushing a program that has no market traction?


  • How good is MHI’s so-called market research which claims that the public love the name CrossModTM, but in fact has exceptionally low levels of sales?


What MHBA’s Executive Director Tom Hardiman may not have known at that time is that the sales of CrossMod homes was a market flop. That is per the reporting by the GSEs in the November 2019 listening session. Further follow ups by MHProNews to industry sources have confirmed that there is still “no traction” to the CrossMod homes project. That blows the balance of MHI’s claims out of the water about this project. Which begs the question. Why do they continue to push a failed project? Why are they promoting a product that arguably undermines all other manufactured homes, as Hardiman’s logic aptly noted? To see this in a larger size, click here.

Last but not least, and to the ironic timing of the “Falsus in Uno, Falsus in Omnibus” phrase. On topic after topic, MHI proves to be wrong. It would be inaccurate to say that they are wrong about everything. But they are mistaken so often that their credibility logically should be questioned on any significant claim.

While more could be said, that is more than enough to cause investors and others to look carefully at our report yesterday. If MHI could prove otherwise, they would do so, right?

ICYMI, see the deep dive into Gooch and MHI’s ‘backstab’ of manufactured home consumers, independents, taxpayers, and other impacted groups in the report linked below.

FHFATipLesliGoochManufactHousingInsCEOpicBackstabsManufacturedHomeowners IndependentsClayton21stVanderbiltSkylineChampLOGO

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Manufactured Housing Industry Investments Connected Closing Equities Tickers

Some of these firms invest in manufactured housing, or are otherwise connected, but may do other forms of investing or business activities too.

          • NOTE: The chart below includes the Canadian stock, ECN, which purchased Triad Financial Services, a manufactured home industry lender
          • NOTE: Drew changed its name and trading symbol at the end of 2016 to Lippert (LCII).
          • NOTE: Deer Valley was largely taken private, say company insiders in a message to MHProNews on 12.15.2020, but there are still some outstanding shares of  the stock from the days when it was a publicly traded firm.  Thus, there is still periodic activity on DVLY.




Winter 2021
Berkshire Hathaway is the parent company to Clayton Homes, 21st Mortgage, Vanderbilt Mortgage and other factory built housing industry suppliers.
· LCI Industries, Patrick, UFPI, and LP each are suppliers to the manufactured housing industry, among others.
· AMG, CG, and TAVFX have investments in manufactured housing related businesses. For insights from third-parties and clients about our publisher, click here.
Enjoy these ‘blast from the past’ comments.

MHProNews. MHProNews – previously a.k.a. MHMSM.com – has celebrated our 11th year of publishing, and is starting our 12the year of serving the industry as the runaway most-read trade media.

Sample Kudos over the years…


It is now 11+ years and counting…and Williams, who praised our accuracy and other services to manufactured housing for years, then said this.


Learn more about our evolutionary journey as the industry’s leading trade media, at the report linked below.

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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, stock, investing, data, metrics, 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.)

Notice, this photo was taken before several on Fox News took a turn away from more right-leaning reporting to more left-leaning or anti-Trump views.

By L.A. “Tony” Kovach – for MHLivingNews.com.
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 MHLivingNews.com. This article reflects the LLC’s and/or the writer’s position, and may or may not reflect the views of sponsors or supporters.


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