{"id":19463,"date":"2021-07-18T00:28:07","date_gmt":"2021-07-18T05:28:07","guid":{"rendered":"https:\/\/www.manufacturedhomepronews.com\/masthead\/?p=19463"},"modified":"2021-07-24T12:20:36","modified_gmt":"2021-07-24T17:20:36","slug":"texas-real-estate-center-its-real-crossmods-manufactured-housing-institute-mhi-finance-comments-texas-manufactured-housing-association-tmha-news-analysis","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/texas-real-estate-center-its-real-crossmods-manufactured-housing-institute-mhi-finance-comments-texas-manufactured-housing-association-tmha-news-analysis\/","title":{"rendered":"Texas Real Estate Center &#8211; \u201cIt\u2019s Real\u201d CrossMods, Manufactured Housing Institute (MHI) Finance Comments, Texas Manufactured Housing Association (TMHA) \u2013 News-Analysis"},"content":{"rendered":"<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/HaroldHuntPicItsRealSeguinTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021ManuHousngInstituteFinanceDTSLOGOTexasManuHousingAssocTMHAlogoMHProNews.png\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-19474\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/HaroldHuntPicItsRealSeguinTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021ManuHousngInstituteFinanceDTSLOGOTexasManuHousingAssocTMHAlogoMHProNews.png\" alt=\"HaroldHuntPicItsRealSeguinTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021ManuHousngInstituteFinanceDTSLOGOTexasManuHousingAssocTMHAlogoMHProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/HaroldHuntPicItsRealSeguinTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021ManuHousngInstituteFinanceDTSLOGOTexasManuHousingAssocTMHAlogoMHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/HaroldHuntPicItsRealSeguinTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021ManuHousngInstituteFinanceDTSLOGOTexasManuHousingAssocTMHAlogoMHProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/HaroldHuntPicItsRealSeguinTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021ManuHousngInstituteFinanceDTSLOGOTexasManuHousingAssocTMHAlogoMHProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p><strong>Preface<\/strong>. Based on several surveys, there is a perception held by tens of millions &#8211; including from media personalities such as <a href=\"https:\/\/www.manufacturedhomepronews.com\/schalamar-residents-press-rico-ada-class-action-lawsuit-claims-vs-northwest-mutual-murex-properties-steve-adler-et-al-plus-manufactured-housing-stocks-updates\/\">investigative journalist John Solomon<\/a> &#8211; that \u2018news\u2019 has become a largely partisan, corporate, or other agenda-driven exercise. That is <a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/06\/QuoteCantCallEverythingFakeNewsBecauseInformationDoesntAlignYourViewsDoesntViewDisagreeDoesntMeanInfoFakeFalseChrysalisWrightPhotoMHProNews.jpg\">not to say that all \u2018news\u2019 is \u2018fake news,\u2019<\/a> as <a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/06\/IfYoureOnlyWatchingCNN-OnlyGetHalfStoryOrIfOnlyWatchingFoxOnlyGetHalfStoryQuoteDrChrysalisWrightPhDPhotoPsychologistDirectorMediaUniversityCentralFL-MHProNews.jpg\">psychologist and Director of Media researcher Dr. Chrysalis Wright, PhD, has been cited saying<\/a>. But there is so much problematic news that a <a href=\"https:\/\/www.manufacturedhomepronews.com\/capitalism-without-competition-isnt-capitalism-joe-biden-information-dominance-paltering-sleeping-giant-awakens-plus-sunday-weekly-headlines-review\/\">recent public opinion survey reflected that 58 percent<\/a> &#8211; the majority of Americans reflecting a range of political views &#8211; believe that the much of mainstream American media are the \u201c<span style=\"color: #800000;\"><strong>enemy of the people<\/strong><\/span>.\u201d In response to years of such concerns and our own research as to how those trends are playing out in the world of manufactured housing, <em>MHProNews<\/em> has for some time periodically refocused our modes of reporting. For example, while regularly providing an opportunity for those who are presenting a narrative that is not in keeping with known facts, <em>MHProNews<\/em> reaches out for clarification while doing some level of fact check and \u201c<strong>fisking<\/strong>\u201d of a specific report or statement. \u00a0Further, <em>MHProNews <\/em>periodically does follow ups to see if such fact-checks, analysis, and expert commentary have stood the test of time. In fact, the evidence reflects that such reports by <em>MHProNews<\/em> in recent years have held up far better than the hidden agenda, paltering, spin, or other narrative driven posturing and claims that are palmed off as genuine \u2018news\u2019 by others. That\u2019s perhaps because of the simple yet profound advice of award-winning journalist Sharyl Attkisson. <a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/07\/CheckYourFactsQuoteFollowTheMoneyQuoteSharylAttkissonPhotoQuotableQuotesMHProNews6.jpg\">Attkisson, like others in the know, have said \u201ccheck your facts\u201d &#8211; meaning make sure that what is reported is true \u2013 and \u201cfollow the money<\/a>.\u201d \u00a0It is with those notions in mind that this <em>MHProNews Masthead<\/em> will provide statements by the Texas Real Estate Center, the Manufactured Housing Institute (MHI), and other insights that include the Texas Manufactured Housing Association (TMHA).\u00a0 The specific topics are manufactured home financing and the controversial \u201c<span style=\"color: #800000;\"><strong>CrossMod<sup>TM<\/sup><\/strong><\/span>\u201d manufactured home plan pushed by Clayton Homes and branded MHI, which is dominated by Berkshire and their consolidation focused allies.<\/p><div id=\"manuf-374363179\" class=\"manuf-content manuf-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3870480136270376\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-3870480136270376\" \ndata-ad-slot=\"\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<p>Given that preface, this report and analysis will cover and link the evidence and reports for the following items.<\/p>\n<p><strong>Preview Part I.<\/strong> The Texas Real Estate Center report on MHI branded CrossMod<sup>TM <\/sup>type manufactured homes.<\/p>\n<ul>\n<li>Insights from the Texas Real Estate Center\u2019s media relations office, including as it relates to the Texas Manufactured Housing Association (TMHA), the Manufactured Housing Institute (MHI), and Berkshire Hathaway owned Clayton Homes.<\/li>\n<li>MHI\u2019s featuring CrossMod<sup>TM<\/sup> on their home page, as they have for months on end.<\/li>\n<li>Evidence vs. claims regarding CrossMod That includes statements to MHProNews by those who are MHI members who say that the program made no sense, because most HUD Code producers already built actual modular homes.<\/li>\n<li>That Clayton and MHI oddly and routinely continue to push CrossMod<sup>TM<\/sup> in federal and other testimony, even though it is an apparent market failure.<\/li>\n<li>How MHI\u2019s hyped claims about CrossMod \u2013 that they made based upon research they commissioned as well as by focus-groups.<\/li>\n<li>That Clayton-backed MHI has successfully managed to get special financing on CrossMods by the GSEs, even though the Clayton-MHI essentially admits that they have not managed to get Duty To Serve support for mainstream manufactured homes.<\/li>\n<li>The rip of MHI\u2019s CrossMods by the Modular Home Builders Association (MHBA) Tom Hardiman, as well as Biden-backed initiatives on housing that they claim are political payoffs.<\/li>\n<\/ul>\n<p><strong>Preview Part II.<\/strong> That segment of this report and analysis will provide the comments submitted by MHI CEO Lesli Gooch, Ph.D., which may \u2013 on the surface \u2013 <em>appear<\/em> to be one of her strongest pitches yet.<\/p>\n<ul>\n<li>However, what Gooch did not mention, as reflected by prior statements by Kevin Clayton, Doug Ryan, Mark Weiss, and MHI itself are going to reveal what could be a case study in paltering within the manufactured housing industry.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Preview Part III.<\/strong> Close with Solomon\u2019s comments on a distinctive issue apart from manufactured housing as it relates to <em>agenda-driven reporting.<\/em> While it is not directly manufactured housing connected, Solomon\u2019s statements are still of interest as politics are certainly influencing our industry and the economy at large. Obliquely, Solomon&#8217;s contention fits concerns raised by MHBA and the Manufactured Housing Association for Regulatory Reform (MHARR), and other industry voices &#8211; including several inside MHI.<\/p>\n<p>&nbsp;<\/p>\n<p>With that preface and plan, <em>let\u2019s begin Part I<\/em> of this report and analysis.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Part I.<\/strong> Engagement with the Texas Real Estate Center report in their <em>Tierra Grande<\/em> publication on MHI branded CrossMod<sup>TM <\/sup>type manufactured homes.<\/p>\n<p>The following message was part of a longer message thread between MHProNews and specific media relations contacts at Texas A&amp;M University. This extended quotation is from MHProNews to Texas A&amp;M are the following regarding their <em>Tierra Grande<\/em> report that is shown further below in its entirety.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156.png\"><img decoding=\"async\" class=\"size-full wp-image-19240 alignleft\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156.png\" alt=\"QuoteSignSymbol100x156\" width=\"100\" height=\"156\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156.png 100w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156-96x150.png 96w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/><\/a>\u201c\u2026That said, while there is no specific error with this article, from a professional perspective, it misses the mark. I&#8217;ve contacted the TMHA first about our concerns.\u00a0 That&#8217;s a separate but related topic.<\/p>\n<p>So what&#8217;s missing? Here are some examples.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>The entire CrossMod<sup>TM<\/sup>move, and its GSE alter-ego names MHAdvantage<sup>\u00ae<\/sup> and CHOICEhome<sup>\u00ae<\/sup> are a highly charged topic in our industry.<\/li>\n<li>The two major national trade associations MHI and MHARR &#8211; see this product in entirely different ways. Let\u2019s set that aside, because that\u2019s not entirely uncommon.<\/li>\n<li>The Modular Home Builders Association (MHBA) executive director Tom Hardiman normally stays out of manufactured housing industry politics. He publicly ripped MHI and CrossMod<sup>TM<\/sup> by name. He called it \u2018deceptive\u2019 and aptly noted &#8211; in our professional view, correctly \u2013 that this undermines millions of existing manufactured homes in several respects. Hardiman never told me he did so based on any of our analysis, so I presume he did that all on his own.<\/li>\n<li>The only reason, MHBA sources tell MHProNews, that Hardiman isn\u2019t still rattling MHI\u2019s cage over CrossMod<sup>TM\u00a0<\/sup>is because the product is a market failure. It\u2019s a joke statistically.<\/li>\n<li>Clayton Homes and MHI have been tight lipped about the data. That said, there is GSE data per the FHFA.<\/li>\n<li>Who says? GSE data, which reports that in 2 years, they have financed something less than 3 dozen total nationally. The specific data point is on the FHFA website.<\/li>\n<li>For 2\u00bd years after this program was proclaimed as \u201cmomentum\u201d for manufactured housing, industry sales slipped. That did not reverse until the March data, when mainstream housing was so screaming hot, that even the fiasco of CrossMod<sup>TM\u00a0<\/sup>could not slow down the surge of mainstream manufactured homes.<\/li>\n<li>I\u2019ve communicated with Dustin Arp several times. I\u2019m confident your report cited him correctly. But in the light of the above, re-read what was published. Because the sales are knuckles on the ground low.<\/li>\n<li>It gets really political, industry inside baseball, that several MHI member producers have told MHProNews that the product makes no sense, and that there is no traction in the marketplace.<\/li>\n<\/ul>\n<p>There is more, but that is enough to make this point.\u00a0 If would be hard to have picked a topic that would have been more controversial than this. As noted, your organization\u2019s report is okay, as far as it goes. But it is lacking all of the granular insights above. As numbers of our readers are Texans, I can assure you that numbers are not going to be impressed. That said, those that carry water for MHI and\/or Clayton will be fine with this.<\/p>\n<p>Before I take the next steps, I\u2019m keen to get your thoughts on the above. It can be off the record, unless you say otherwise.<\/p>\n<p>You are welcome to share that, or not, with Harold. Please tell him hi for me. This isn\u2019t personal. It is about professionalism and an accurate depiction for our readers of the content.<\/p>\n<p>Last for now. Again, off the record is fine. I\u2019m guessing that no one at MHI or Clayton corporate said anything about this, right or wrong? Because it fits their narrative.<\/p>\n<p>Please do feel free to be candid. Thank you.<\/p>\n<p>Respectfully,<\/p>\n<p>Tony<\/p>\n<p>PS: There is more\u2026\u201d ##<\/p>\n<p style=\"text-align: center;\">##<\/p>\n<p>A contact at Texas A&amp;M\u2019s media relations said the following in response.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156.png\"><img decoding=\"async\" class=\"size-full wp-image-19240 alignleft\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156.png\" alt=\"QuoteSignSymbol100x156\" width=\"100\" height=\"156\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156.png 100w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156-96x150.png 96w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/><\/a>Tony:<\/p>\n<p>I really appreciate the background. I was not aware of any of this. We have a research approval process that is supposed to red flag manuscripts with problems, questions, or in need of more outside comments. Once it clears those hurdles, the communications staff\u2019s job is to present it to our stakeholders. We rarely are involved in the \u201cresearch methodology.\u201d<\/p>\n<p>Manufactured housing is a topic we have only recently (last few years) dabbled in. Our monthly survey with TMHA is an effort to learn more about this aspect of real estate.<\/p>\n<p>I am sending your note to Harold. He needs to be aware of the background.<\/p>\n<p>When you refer to \u201cthe next step on our end,\u201d what\u2019s that in reference to?<\/p>\n<p>I guess our desire to learn more about manufactured housing is on the fast track.<\/p>\n<p>Again, I appreciate the heads-up and candidness.\u201d ##<\/p>\n<p>&nbsp;<\/p>\n<p>That same source in media relations reported that Clayton and MHI said nothing in response to the \u201c<span style=\"color: #800000;\"><strong>It\u2019s Real<\/strong><\/span>\u201d report by the <em>Tierra Grande<\/em> article published by RECenter.TAMU.edu. \u00a0That report is as shown below the second image.<\/p>\n<figure id=\"attachment_19472\" aria-describedby=\"caption-attachment-19472\" style=\"width: 610px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoMHIlogoCrossModPhotoCrossModsPic10.14AMet7.17.2021HomePageOpeningScreenShotMHProNewsfactcheck.png\"><img decoding=\"async\" class=\" wp-image-19472\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoMHIlogoCrossModPhotoCrossModsPic10.14AMet7.17.2021HomePageOpeningScreenShotMHProNewsfactcheck.png\" alt=\"ManufacturedHousingInstituteLogoMHIlogoCrossModPhotoCrossModsPic10.14AMet7.17.2021HomePageOpeningScreenShotMHProNewsfactcheck\" width=\"610\" height=\"313\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoMHIlogoCrossModPhotoCrossModsPic10.14AMet7.17.2021HomePageOpeningScreenShotMHProNewsfactcheck.png 2055w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoMHIlogoCrossModPhotoCrossModsPic10.14AMet7.17.2021HomePageOpeningScreenShotMHProNewsfactcheck-575x295.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoMHIlogoCrossModPhotoCrossModsPic10.14AMet7.17.2021HomePageOpeningScreenShotMHProNewsfactcheck-1024x526.png 1024w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoMHIlogoCrossModPhotoCrossModsPic10.14AMet7.17.2021HomePageOpeningScreenShotMHProNewsfactcheck-150x77.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoMHIlogoCrossModPhotoCrossModsPic10.14AMet7.17.2021HomePageOpeningScreenShotMHProNewsfactcheck-768x394.png 768w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoMHIlogoCrossModPhotoCrossModsPic10.14AMet7.17.2021HomePageOpeningScreenShotMHProNewsfactcheck-1536x789.png 1536w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoMHIlogoCrossModPhotoCrossModsPic10.14AMet7.17.2021HomePageOpeningScreenShotMHProNewsfactcheck-2048x1051.png 2048w\" sizes=\"(max-width: 610px) 100vw, 610px\" \/><\/a><figcaption id=\"caption-attachment-19472\" class=\"wp-caption-text\"><i> Showing the image above should not be misunderstood as an endorsement of either MHI or their CrossMods plan. Several of the illustrations shown in this report can be opened in many browsers to reveal a larger size. That said, compare and contrast the look of the model on the the MHI home page to the one shown by the Texas Real Estate Research Center. The fact check that follows will be eye-opening to all who are able and willing to open their eyes. To open this picture, click the image once. When the window opens, click it again to reveal the larger size photo. Use your browsers back key to return to the article.<\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<h1><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ItsRealSeguinWelcomesTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021MHProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-19471\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ItsRealSeguinWelcomesTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021MHProNews.png\" alt=\"ItsRealSeguinWelcomesTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021MHProNews\" width=\"598\" height=\"440\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ItsRealSeguinWelcomesTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021MHProNews.png 2214w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ItsRealSeguinWelcomesTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021MHProNews-575x423.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ItsRealSeguinWelcomesTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021MHProNews-1024x753.png 1024w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ItsRealSeguinWelcomesTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021MHProNews-150x110.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ItsRealSeguinWelcomesTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021MHProNews-768x565.png 768w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ItsRealSeguinWelcomesTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021MHProNews-1536x1129.png 1536w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ItsRealSeguinWelcomesTexasFirstCrossModManufacturedHousingDevelopmentHaroldDHuntPhDJune42021MHProNews-2048x1506.png 2048w\" sizes=\"(max-width: 598px) 100vw, 598px\" \/><\/a><\/h1>\n<p>&nbsp;<\/p>\n<figure style=\"width: 599px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/12\/PhotoCollageHUDCodeManufacturedHomesNotModernMobileHomesHenryDavidThoreauQuoteMostMenAppearNeverToHaveConsideredWhatHouseIsQuoteMHLivingNewsLogo.jpg\" alt=\"\" width=\"599\" height=\"448\" \/><figcaption class=\"wp-caption-text\"><i>Some of the homes that are shown above are as sharp or sharper and are more &#8216;residential&#8217; in appearance than the CrossMods that the photo by Tierra Grande revealed. Yet, all of the homes in the photo above are models that predate CrossMods by several years. Perhaps as or more important, on a cost per square foot basis, the models shown cost significantly less and could also qualify for FHA, VA, USDA\/Rural Development types of land-home mortgages. To see this collage of HUD Code manufactured homes full size, click the image above once to open, and then click that open window again to see it in a larger size <\/i><\/figcaption><\/figure>\n<h1><\/h1>\n<h1><strong>It\u2019s Real<\/strong><\/h1>\n<h3><strong><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156.png\"><img decoding=\"async\" class=\"size-full wp-image-19240 alignleft\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156.png\" alt=\"QuoteSignSymbol100x156\" width=\"100\" height=\"156\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156.png 100w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/QuoteSignSymbol100x156-96x150.png 96w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/><\/a><\/strong><em><strong>Seguin Welcomes Texas\u2019 First CrossMod Manufactured Housing Development<\/strong><\/em><\/h3>\n<p>Harold D. Hunt (Jun 4, 2021)<\/p>\n<p>The first residential subdivision in Texas exclusively offering \u201cCrossMod&#8221; manufactured homes is currently under development about four miles outside Seguin. CrossMod is the Manufactured Housing Institute&#8217;s trademarked name for an upgraded class of national HUD-code manufactured homes (MH). It should not be confused with \u201cmodular&#8221; homes built to meet a specific local building code.<\/p>\n<p>\u201cThe goal for this development is to provide someone with a nice home that they are proud to own in a lower price range than starter homes in a<a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TakeawaysCrossModTexasRECenterTexasAMUniversityMHProNewsMasthead.png\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-19469 alignright\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TakeawaysCrossModTexasRECenterTexasAMUniversityMHProNewsMasthead.png\" alt=\"TakeawaysCrossModTexasRECenterTexasAMUniversityMHProNewsMasthead\" width=\"381\" height=\"221\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TakeawaysCrossModTexasRECenterTexasAMUniversityMHProNewsMasthead.png 975w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TakeawaysCrossModTexasRECenterTexasAMUniversityMHProNewsMasthead-575x333.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TakeawaysCrossModTexasRECenterTexasAMUniversityMHProNewsMasthead-150x87.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TakeawaysCrossModTexasRECenterTexasAMUniversityMHProNewsMasthead-768x445.png 768w\" sizes=\"(max-width: 381px) 100vw, 381px\" \/><\/a> traditional densely developed subdivision,&#8221; said Dustin Arp, president of New Braunfels-based Spark Homes LLC, the subdivision&#8217;s developer.<\/p>\n<p>CrossMods, which are only sold with land as real property, are eligible for financing under the same conventional loan terms as site-built, single-family homes through Fannie Mae and Freddie Mac. The two government-sponsored enterprises (GSEs) teamed up with the manufactured housing industry to develop and finance factory-built housing of similar quality to site-built starter homes but at a more affordable price point. While Fannie Mae has named its mortgage program MH Advantage<em>,<\/em>\u00a0Freddie Mac has chosen the name CHOICEHome.<\/p>\n<p>\u201cThe GSE loan programs offer a rare opportunity for the MH industry to grow from representing only 9 percent of all new home sales annually,&#8221; said Dave Busche, director of business development central region at Skyline Champion Homes. \u201cMH finally has the chance to enter into mainstream homebuilding and really participate in the affordable housing solution.&#8221;<\/p>\n<p>\u201cYou also need a mix of FHA (Federal Housing Administration) and VA (Veterans Affairs) loan products along with the conventional loans being financed by Fannie and Freddie,&#8221; said Arp. \u201cYou can&#8217;t just offer conventional financing in a development like this. A CrossMod that qualifies under the MH Advantage or CHOICEHome programs can qualify for an FHA or VA loan. It is just less likely to make value on an appraisal, and the interest rate would be higher when compared with site-built homes. But the real difference is about $2,000 to $3,000 in added closing costs from cost surcharges such as points.&#8221;<\/p>\n<p>Arp&#8217;s least expensive floor plan starts at $185,000 with no options or upgrades. The majority of homes in the development will be priced between $200,000 and $230,000. Lot size is one acre while home sizes range from 1,113 to 1,789 square feet.<\/p>\n<p>\u201cDevelopers choosing a subdivision model similar to production homebuilding on a typical 1\/8-acre lot could probably reduce these prices by about $15,000 to $18,000,&#8221; Arp said.<\/p>\n<h3>Development Challenges<\/h3>\n<p>Demand for factory-built housing in Texas is currently quite strong.<\/p>\n<p>\u201cMH manufacturers are experiencing exceptional backlogs,&#8221; said Busche. \u201cIf the backlogs continue, the only way to achieve real growth in CrossMod projects is to expand production through new manufacturing plants. But construction of new facilities will be no small task.&#8221;<\/p>\n<p>\u201cA big challenge to widespread adoption of CrossMods is going to be sufficient inventory,&#8221; Arp said. \u201cIf the houses aren&#8217;t out there on the ground, consumer acceptance is going to be slow.&#8221;<\/p>\n<p>\u201cTwo other delay influencers besides backlogs are development timeframes as well as restrictive zoning\u2014&#8217;not in my backyard&#8217; issues,&#8221; said Busche. \u201cWe have four business development managers at Skyline Champion. Each of us is engaged with multiple CrossMod prospects\/projects, some for well over a year. Most new projects are just not ready to accept delivery of homes yet.&#8221;<\/p>\n<p>Although Texas does not have county zoning ordinances, allowable zoning for all MH, including CrossMods, inside metropolitan areas remains a challenge.<\/p>\n<p>\u201cAcceptance by municipalities is a key topic in every convention I&#8217;ve been to,&#8221; said Arp. \u201cMost cities start with a base of codes provided to them by consultants that they can adopt and make small changes to. If we could create a new zoning category for CrossMod that cities would accept, that would be a major breakthrough.&#8221; To that end, Arp makes it a point to drive as many local city and county officials through the subdivision as possible.<\/p>\n<p>Busche states that only four large MH manufacturers in Texas are currently offering CrossMod homes. Skyline Champion&#8217;s Athens, Texas, factory, which is providing the CrossMods for Arp&#8217;s development, is one of them. Each of Skyline Champion&#8217;s four Texas facilities produces a different mix of factory-built homes, with the Athens factory building modular-coded product as well.<\/p>\n<p>Arp also believes real estate agents have to be made more aware of the existence of CrossMods.<\/p>\n<p>\u201cMost agents don&#8217;t know that potential homeowners can obtain an attractive home and lot size by purchasing a CrossMod. Unfortunately, it&#8217;s hard for them to get involved until the homes are actually out there and available to show,&#8221; he said. \u201cIf there were sufficient CrossMod developers, I believe we could provide manufacturers with loads of CrossMod sales.&#8221;<\/p>\n<p>Appraisals present another challenge. In December 2020, FHA issued a mortgagee letter recognizing a difference between CrossMod and traditional MH for appraisal purposes. As a result, FHA appraisers may include site-built comparables if fewer than two comparable MH Advantage or CHOICEHome sales are available. This appraisal allowance was already acceptable for conventional GSE financing.<\/p>\n<p>\u201cBut just because that mortgagee letter is out there doesn&#8217;t mean that an appraiser is aware of it,&#8221; Arp said.<\/p>\n<p>Based on his banking experience, Arp uses accepted appraisal adjustments to piece together a comparative market analysis for appraisers. He spends considerable time making sure comparable sales support the required sales price he is targeting.<\/p>\n<p>\u201cIf they don&#8217;t have the knowledge of how to appraise a CrossMod, then no one can buy these products,&#8221; he said.<\/p>\n<h3>Developer Skills Affect Affordability<\/h3>\n<p>Arp thinks developers who have a more diverse background and skillset will be much more adept at producing the most affordable CrossMod product.<\/p>\n<p>\u201cIt&#8217;s difficult for any MH developer to be diversified,&#8221; he said. \u201cAll MH purchases require a retailer&#8217;s license, but a retailer generally can&#8217;t do the land development. A licensed installer, or a subcontractor working under one, is then responsible for installing the foundation, septic system, and so forth.<\/p>\n<p>\u201cI also believe that if the developer pursues a production homebuilder sales model, with a model home and inventory to show, the product will explain itself. The lower collateral risk that allows Fannie and Freddie to remove cost surcharges such as points stems from the increased marketability of CrossMods. That increased marketability results in higher product acceptance from consumers. I don&#8217;t think the industry will ever be successful trying to pursue a scattered-site development model where the home is shown at a MH dealership and sold to be put on a homeowner&#8217;s vacant lot. It needs to be shown in the environment in which it will be placed as a finished product.&#8221;<\/p>\n<p>Counties also have subdivision regulations that developers must be familiar with.<\/p>\n<p>\u201cAn example is sewer treatment,&#8221; Arp said. \u201cUnless you want to build a treatment facility, which is a lengthy process with the Texas Commission on Environmental Quality, you will need to be familiar with the state requirement for septic tanks.&#8221;<\/p>\n<p>A civil engineer must also be involved in the project to address issues such as drainage and watersheds. Drainage requirements will come from the area&#8217;s floodplain administrator who will require an inundation study examining watersheds crossing the property. The civil engineer must come up with a plan to show impact on adjoining neighbors and homeowners.<\/p>\n<p>Arp thinks there doesn&#8217;t have to be as much homebuyer education if the product is on the ground to view in person.<\/p>\n<p>\u201cThe home will speak for itself,&#8221; he said. \u201cIf you follow the guidelines, especially frontal elevation to make it look more like a site-built home, product adoption is immediate. The reality is a developer must find the right piece of land in the right configuration at the right price with the right utilities to the site.&#8221;<\/p>\n<p>In a 50-mile radius, he might find one piece of land that fits all those requirements.<\/p>\n<p>\u201cIt could easily be a year to 18 months from the beginning of this process to selling the first house,&#8221; Arp said.<\/p>\n<p>Arp also drew up his own homeowners&#8217; association rules as well as a 60-page builder&#8217;s contract.<\/p>\n<p>\u201cWe are taking three separate components and, at the time of closing, putting them all together: a garage that is constructed on site, the CrossMod house, and the land,&#8221; he said.<\/p>\n<p>Arp notes there are separate disclosures and warranties to be considered.<\/p>\n<p>\u201cThe garage technically has a separate warranty from the house,&#8221; he said. \u201cThe CrossMod manufacturer will warranty the actual house. The foundation has a totally separate warranty as well.&#8221;<\/p>\n<h3>Not for All Developers<\/h3>\n<p>Developing CrossMods won&#8217;t be for everyone. Arp summed it up well in a February 25, 2021, podcast for ManufacturedHomes.com.<\/p>\n<p>\u201cDevelopers are going to want to see my books,&#8221; he said. \u201cThey have all done their own proformas, modeling, and market research. However, unless they identify some of the key efficiencies not currently being exploited by MH retailers pursuing a scattered-site model, CrossMod just won&#8217;t make sense.<\/p>\n<p>\u201cThe key here is to build a product that is visually competitive with an entry level site-built house that remains as affordable as possible. When you exit the affordable segment, you lose that market share where MH could triple the size of the industry in the next six or seven years with enough market participants. You can&#8217;t be a horizontal developer\/land man who wants to outsource everything and then participate in the affordable sector.&#8221;<\/p>\n<p>Arp believes developers will have to get creative to develop the right efficiencies.<\/p>\n<p>\u201cSome of the savings have to be passed on to the consumer,&#8221; he said. \u201cWe will probably have to offer the buyer an 8 to 10 percent savings over the site-built homes being offered by production homebuilders to initially gain wide acceptance of CrossMods.&#8221; ##<\/p>\n<p>Their article closes with this brief bio that says that Dr. Hunt \u201c<em><strong>is a research economist with the Texas Real Estate Research Center at Texas A&amp;M University<\/strong><\/em><em>.<\/em><em>\u201d\u00a0<\/em><\/p>\n<p style=\"text-align: center;\">##<\/p>\n<h3><strong>MHProNews Analysis &amp; Commentary <\/strong><\/h3>\n<p>Dr. Hunt\u2019s report has several interesting and useful revelations. In no particular order of importance:<\/p>\n<ul>\n<li>What is <em>not stated<\/em> is that CrossMod<sup>TM<\/sup> has been pitched by MHI as a product that is supposed to be able to penetrate the zoning\/placement barriers encountered by mainstream HUD Code manufactured homes. Additionally, the financing advantages that MHI and its CrossMods backers claims is shown to be illusory. Let&#8217;s examine these concerns in more detail.<\/li>\n<li>Arp\u2019s development is not<em> urban.<\/em> Rather, it is a more rural location.<\/li>\n<li>While the report gives no data on unit sales \u2013 how many (or few) of these &#8216;new class of manufactured homes&#8217; that are being sold, it does suggest that the sales are low. While framing it differently, Arp has said as much to MHProNews. This <em>has not<\/em> yet proven to be be a high-volume or &#8216;production&#8217; type of product. Rather, it has been a <em>low-volume<\/em> seller.<\/li>\n<li>Ironically, Dr. Hunt\u2019s report quotes Arp in a manner that arguably debunks much of the supposed logic for this \u2018new class of manufactured homes\u2019 later rebranded as CrossMods.<\/li>\n<li>Quoting: \u201c<span style=\"color: #800000;\"><strong>You also need a mix of FHA (Federal Housing Administration) and VA (Veterans Affairs) loan products along with the conventional loans being financed by Fannie and Freddie,&#8221; said Arp. \u201cYou can&#8217;t just offer conventional financing in a development like this. A CrossMod that qualifies under the MH Advantage or CHOICEHome programs can qualify for an FHA or VA loan. It is just less likely to make value on an appraisal, and the interest rate would be higher when compared with site-built homes<\/strong><\/span>&#8230;&#8221;<\/li>\n<li>It must be stressed, as numbers of retailers know, that mainstream HUD Code manufactured homes have long ago qualified for FHA Title I (home-only) and Title II (land-home) financing that Arp mentioned. Additionally, mainstream HUD Code manufactured homes already qualified for VA and USDA\/Rural Development financing on land-home packages.<\/li>\n<li>Rephrased, some of the very claims made by MHI and their backers \u2013 per Arp and Hunt \u2013 have been debunked in an article that is supposed to tout the \u201c<span style=\"color: #800000;\"><strong>It\u2019s Real<\/strong><\/span>\u201d hype.<\/li>\n<li>It is troubling that reportedly no one at TMHA, MHI, or Clayton revealed any of the controversies to Hunt, per informed sources that produced the <em>Tierra Grade<\/em> report for their university.<\/li>\n<li>The low-volume nature of this product reveals just how misleading and errant MHI\u2019s claims have been.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/11\/CrossModtmHomesPhotoManufacturedHousingInstituteStudyResultsMHProNews46percentCrossMod9PercentManufacturedHomeMHProNewsMHIInfoSheetCrossMODtm.jpg\" width=\"603\" height=\"631\" \/><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/11\/TomHardimanModularHomeBuildersAssociationPhotoLogoQuoteCallingOnManufacturedHousingInstituteStopMisleadingThePublicCrossModTMhomesQuoteMHProNews.jpg\" \/><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>That low volume is apparently so low that a DTS comment on the FHFA website by a professional advocate &#8211; that is being explored for accuracy &#8211; claims that the GSEs are <em>dropping the product<\/em>. If so, there is no other such known indication at this time.<\/li>\n<li>That comment is by George McCarthy with the Lincoln Institute of Land Policy. McCarthy stated: &#8220;<span style=\"color: #800000;\"><strong>Activities that were highly touted over the last three years \u2013 including the MH Advantage and MH Choice products, as well as chattel pilots &#8211; have been dropped with little or no explanation<\/strong><\/span>.&#8221;<\/li>\n<li>Note that McCarthy should have said CHOICEhome<sup>\u00ae<\/sup>, which is the Fannie Mae branded version of CrossMod<sup>TM<\/sup>. Fannie\u2019s version is dubbed MHAdvantage<sup>\u00ae<\/sup>. Typos aside, McCarthy\u2019s point with respect to chattel pilots is quite apt. Indeed, Pew Research DTS comments note that there is a <em>lack of transparency<\/em> in the process. Quite so. Phil Schulte, in his DTS comments, made a similar point. See that as part of the deep dive report linked below.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_19465\" aria-describedby=\"caption-attachment-19465\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-buyers-current-mobile-manufactured-homeowners-do-you-want-lower-cost-manufactured-housing-loans-practical-legal-insights-facts-analysis\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19465\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/SandraThompsonPhotoFHFAlogoManufacturedHomeBuyersCurrentMobileHomeManufacturedHomeownersLowerCostManufacturedHomeLoansPracticalLegalInsightsFactsAnalysisMHLivingNews.png\" alt=\"SandraThompsonPhotoFHFAlogoManufacturedHomeBuyersCurrentMobileHomeManufacturedHomeownersLowerCostManufacturedHomeLoansPracticalLegalInsightsFactsAnalysisMHLivingNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/SandraThompsonPhotoFHFAlogoManufacturedHomeBuyersCurrentMobileHomeManufacturedHomeownersLowerCostManufacturedHomeLoansPracticalLegalInsightsFactsAnalysisMHLivingNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/SandraThompsonPhotoFHFAlogoManufacturedHomeBuyersCurrentMobileHomeManufacturedHomeownersLowerCostManufacturedHomeLoansPracticalLegalInsightsFactsAnalysisMHLivingNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/SandraThompsonPhotoFHFAlogoManufacturedHomeBuyersCurrentMobileHomeManufacturedHomeownersLowerCostManufacturedHomeLoansPracticalLegalInsightsFactsAnalysisMHLivingNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19465\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-buyers-current-mobile-manufactured-homeowners-do-you-want-lower-cost-manufactured-housing-loans-practical-legal-insights-facts-analysis\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-buyers-current-mobile-manufactured-homeowners-do-you-want-lower-cost-manufactured-housing-loans-practical-legal-insights-facts-analysis\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>During most of the 2\u00bd years following MHI\u2019s declaration of \u201c<a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/04\/ManufaturedHousingInstituteLOGOMHIlogomomentumVideoUpdate4.13.2021-542x2265-1.jpg\" target=\"_blank\" rel=\"noopener\"><strong><span style=\"color: #0000ff;\">momentum<\/span><\/strong><\/a>\u201d that accompanied what McCarthy quite rightly called \u201c<span style=\"color: #800000;\"><strong>highly touted products over the last three years<\/strong><\/span>\u201d &#8211; instead turned out to be <em>a well documented slide<\/em> in new HUD Code manufactured home sales.<\/li>\n<li>Rephrased,<em> instead of growing sales<\/em>, this <a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/04\/YearsStateNatlLevelManufacturedHousingFactualDataFindYourStateProductionShipmentInfoHereTroublingManufacturedHomeAffordableHousingTrendsIssuesFactChecksMHProNews.jpg\" target=\"_blank\" rel=\"noopener\">CrossMods product line has <em>factually associated with a decline in sales<\/em> during an affordable housing crisis<\/a>.<\/li>\n<\/ul>\n<figure style=\"width: 595px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/ManufacturedHousingInstituteLogoMHILogoQuoteShipmentsDownPotentialHighManufacturedHomeProNews.png\" alt=\"\" width=\"595\" height=\"319\" \/><figcaption class=\"wp-caption-text\"><i> After repeated fact checks by MHProNews, and reports by MHI rival MHARR, on the decline in HUD Code home sales MHI&#8217;s admission that shipments declined should have logically debunks their claim of &#8216;momentum.&#8217; But instead of admitting an error, MHI instead stopped reporting the decline in sales. Following the statement above, MHI eventually dropped their monthly &#8216;economic report&#8217; that they had previously emailed to their members. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>Almost unmentioned by MHI, Clayton, or others beside <em>MHProNews<\/em> is that Clayton has had previously tested more expensive models before. They were each pulled from their production line-up for lack of sales, per sources inside Clayton to The CrossMod<sup>TM<\/sup>\/\u201d<strong>new class of manufactured homes<\/strong>\u201d appears headed in that direction.<\/li>\n<\/ul>\n<figure id=\"attachment_16458\" aria-describedby=\"caption-attachment-16458\" style=\"width: 566px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/ClaytonHomesiHouseChevyVoltGreenBridgeFarmsManufacturedHousingIndustryDailyBusinessNewsMHProNews-566x430-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-16458\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/ClaytonHomesiHouseChevyVoltGreenBridgeFarmsManufacturedHousingIndustryDailyBusinessNewsMHProNews-566x430-1.jpg\" alt=\"ClaytonHomesiHouseChevyVoltGreenBridgeFarmsManufacturedHousingIndustryDailyBusinessNewsMHProNews-566x430\" width=\"566\" height=\"430\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/ClaytonHomesiHouseChevyVoltGreenBridgeFarmsManufacturedHousingIndustryDailyBusinessNewsMHProNews-566x430-1.jpg 566w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/ClaytonHomesiHouseChevyVoltGreenBridgeFarmsManufacturedHousingIndustryDailyBusinessNewsMHProNews-566x430-1-150x114.jpg 150w\" sizes=\"(max-width: 566px) 100vw, 566px\" \/><\/a><figcaption id=\"caption-attachment-16458\" class=\"wp-caption-text\"><i> This product was once hyped by Clayton Homes, not unlike CrossMods are being pushed as a cure-all today. But sources tell MHProNews that these and another more costly product were quietly dropped for lack of sales. As a rival brand, that is an MHI only member said, the CrossMods product made no sense from the outset. HUD Code builders already offered modular homes. All of the claims for the product are being exposed as mere fantasies and wishful thinking at best, or something darker &#8211; &#8220;<span style=\"color: #800000;\"><strong>sabotaging monopolies<\/strong><\/span>&#8221; at worst. See senior economist James A. &#8220;Jim&#8221; Schmitz Jr and his colleagues thesis on that linked further below.<\/i><\/figcaption><\/figure>\n<figure style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/07\/ClaytonHomesIhouseGenNowHome2015PrintedHouseNewClassOfHomesDailyBusinessNewsMHProNews.jpg\" alt=\"\" width=\"597\" height=\"300\" \/><figcaption class=\"wp-caption-text\"><i> This image and several others can be opened in a larger size in several browsers. Click once to open. If a new window opens, then click that window again. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>Also largely ignored is a point that <em><a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/05\/HUDPDRFigure2.4MultiSectionalHUDCodeManufacturdHomePhotoIllustrationCaptionRegulatoryBarriers2011Report.jpg\" target=\"_blank\" rel=\"noopener\">MHProNews<\/a>, <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/ultimate-reporters-researchers-affordable-housing-advocates-or-shoppers-3rd-party-research-reports-on-mobile-homes-manufactured-homes-and-modular-housing\/\" target=\"_blank\" rel=\"noopener\">MHLivingNews<\/a><\/em> and Pew Research \u2013 via a footnoted reference \u2013 has repeatedly made. Namely, that HUD research during the Obama-Biden Administration revealed that manufactured homes cited in neighborhoods along side conventional housing revealed that both appreciated side-by-side. Given the far greater savings with such products, why were CrossMods launched at all?<\/li>\n<li>Indeed, there are years of more upscale HUD Code manufactured homes long before CrossMods. Because they had far more market success, why didn\u2019t MHI press harder for DTS credits on those? Along with all other HUD Code manufactured homes?<\/li>\n<li>Not to be overlooked is an analysis by an MHI member producer that told MHProNews that CrossMods \u2018do not pencil out.\u2019 That source said that when the added costs for CrossMods are considered, the savings in finance rates does not offset the added costs associated with the product and its financing. If so, that\u2019s a major oversight that may shed light on why the sales have been so low.<\/li>\n<li><strong>The real takeaway from this?<\/strong> Thanks to Dr. Hunt\u2019s report, coupled with the additional factual information and evidence noted and linked, the folly of CrossMods have been completely exposed. Hunt + MHBA + MHARR + MHProNews\/MHLivingNews research yields the full range of reasons why this product does not merit any more time or attention by MHI. Rather, MHI should be putting its efforts into supporting mainstream manufactured homes. That fits what Kevin Clayton said at an MHI gathering, \u2018you dance with the one that brought you,\u2019 namely, affordable manufactured homes. Anything else fits the argument by for \u201c<strong>sabotaging monopolies<\/strong>\u201d \u2013 see that by Minneapolis Federal Reserve and other economic researchers, plus more &#8211; in the reports links below.<\/li>\n<li>As noted, further insights on this topic can be found in the quotes and reports linked below. <strong>But the bottom line is this<\/strong>. As MHProNews reported in 2018 and several times since, the logic and much ballyhooed claims about CrossMods have never materialized. That helps explain why other trade media that are in the MHI \u2018amen\u2019 corner have not called this out for what it appears to be. A Trojan Horse that Clayton and a few big brands can afford to have as a diversion, but that arguably harms the bulk of mainstream manufactured homes.<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/11\/TomHardimanPhotoModularHomeBuildersAssocLogoQuoteMHIClaytonHomesCrossModTMOwnManufacturedHomesDontHijackOurIndustrysNameMHProNews.png\" \/><\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/pro-mhi-members-other-sources-sound-off-on-crossmodtm-homes-manufactured-housing-traction-or-distraction-new-insider-facts-exclusive\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/04\/Pro-MHIMembersLogoOtherSourcesClaytonHomesLogoSoundOffonCrossModTMHomesManufacturedHousingTractionDistractionNewFactsExclusiveMHProNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/pro-mhi-members-other-sources-sound-off-on-crossmodtm-homes-manufactured-housing-traction-or-distraction-new-insider-facts-exclusive\/\" target=\"_blank\" rel=\"noopener\"><i>https:\/\/www.manufacturedhomepronews.com\/pro-mhi-members-other-sources-sound-off-on-crossmodtm-homes-manufactured-housing-traction-or-distraction-new-insider-facts-exclusive\/ <\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_19486\" aria-describedby=\"caption-attachment-19486\" style=\"width: 606px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TomHardimanModularHomeBuildersAssociationPhotoLogoQuoteCrossModsWhatHappensValueRegularManufacturedHomesWhenIndustryItselfTurnsBackOnThemMHProNewsFactCheck.png\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-19486\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TomHardimanModularHomeBuildersAssociationPhotoLogoQuoteCrossModsWhatHappensValueRegularManufacturedHomesWhenIndustryItselfTurnsBackOnThemMHProNewsFactCheck.png\" alt=\"TomHardimanModularHomeBuildersAssociationPhotoLogoQuoteCrossModsWhatHappensValueRegularManufacturedHomesWhenIndustryItselfTurnsBackOnThemMHProNewsFactCheck\" width=\"606\" height=\"731\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TomHardimanModularHomeBuildersAssociationPhotoLogoQuoteCrossModsWhatHappensValueRegularManufacturedHomesWhenIndustryItselfTurnsBackOnThemMHProNewsFactCheck.png 1311w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TomHardimanModularHomeBuildersAssociationPhotoLogoQuoteCrossModsWhatHappensValueRegularManufacturedHomesWhenIndustryItselfTurnsBackOnThemMHProNewsFactCheck-357x430.png 357w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TomHardimanModularHomeBuildersAssociationPhotoLogoQuoteCrossModsWhatHappensValueRegularManufacturedHomesWhenIndustryItselfTurnsBackOnThemMHProNewsFactCheck-637x768.png 637w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TomHardimanModularHomeBuildersAssociationPhotoLogoQuoteCrossModsWhatHappensValueRegularManufacturedHomesWhenIndustryItselfTurnsBackOnThemMHProNewsFactCheck-124x150.png 124w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TomHardimanModularHomeBuildersAssociationPhotoLogoQuoteCrossModsWhatHappensValueRegularManufacturedHomesWhenIndustryItselfTurnsBackOnThemMHProNewsFactCheck-768x926.png 768w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/TomHardimanModularHomeBuildersAssociationPhotoLogoQuoteCrossModsWhatHappensValueRegularManufacturedHomesWhenIndustryItselfTurnsBackOnThemMHProNewsFactCheck-1274x1536.png 1274w\" sizes=\"(max-width: 606px) 100vw, 606px\" \/><\/a><figcaption id=\"caption-attachment-19486\" class=\"wp-caption-text\"><i>The yellow highlighting on either side of the final Tom Hardiman quote above goes near the heart of the issue. Why would MHI &#8220;turn its back&#8221; on millions of &#8220;regular&#8221; manufactured homes? The illogic of the CrossMods plan is revealed in that quote. But the quote by Hardiman on MHI&#8217;s so called research is also troubling. As MHProNews and MHLivingNews argued numerous times, MHI&#8217;s own statement belied the effectiveness of their own claimed promotion of manufactured housing. Several of the illustrations shown in this report can be opened in many browsers to reveal a larger size. To open this picture, click the image once. When the window opens, click it again to reveal the larger size photo. Use your browsers back key to return to the article.<\/i><\/figcaption><\/figure>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/clayton-homes-contradicts-wall-street-journals-fannie-and-freddies-latest-push-factory-built-homes\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/06\/ClaytonHomesContradictsWallStreetJournalsFannieFreddieLastestPushFactoryBuiltHomesDailyBuisnessNewsMHProNews-1.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/clayton-homes-contradicts-wall-street-journals-fannie-and-freddies-latest-push-factory-built-homes\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/clayton-homes-contradicts-wall-street-journals-fannie-and-freddies-latest-push-factory-built-homes\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/04\/QuoteISeeNoTractionintheCrossModTMHomesProgramManufacturedHomeProNews.png\" \/><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/11\/MarkWeissPhotoMHARRlogoFailureDutyToServeFannieFreddieEffortsInIndustryItselfDivertDTSfromHUDCodeManufacturedHomesCostlyNewClassCrossMODtmHomesProducedbyLargestMHIMembersMHProNews.jpg\" \/><\/p>\n<figure style=\"width: 592px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/02\/CVCOWilliamsBoorPhotoPresidentCEOCavcoIndustriesQuoteGSEsRemainConstructiveShouldTakeTimeMOvingInGoodDirectionLogoManufacturedHomeProNews.png\" alt=\"\" width=\"592\" height=\"382\" \/><figcaption class=\"wp-caption-text\"><i> This is an odd statement at best or arguably demonstrably false at worst. How so? Because DTS was made law as part of the Housing and Economic Recovery Act (HERA) of 2008). 13 years later, there is no support for chattel lending, which is about 75 percent of most manufactured housing loans. Why do key MHI members, seemingly in unison, say similar things that are dubious, misleading, or false? <\/i><\/figcaption><\/figure>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/02\/MarkYostPhotoPresCEOSkylineChampionLogoSKY-SingleSectionHomeSalesGrowthQuoteUndercurtsCrossModTMHomesManufacturedHomeProNews.png\" width=\"541\" height=\"495\" \/><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/02\/MarkYostPhotoSkylineChampionLogoPresCEOQuoteNoMovementExpectedOnGSEsDutyToServeDTSAnyTimeSoonManufacturedHomeProNews.jpg\" \/><\/p>\n<figure style=\"width: 593px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/12\/2018-10-03_1018ManufacturedHousingInstituteHILogoCavcoFleetwoodPalmHarborFannieMaeFreddieMacLogoDailyBusinessNEwsMHProNEws-1.png\" alt=\"\" width=\"593\" height=\"661\" \/><figcaption class=\"wp-caption-text\"><i> Entirely unmentioned is the lack of transparency about the closed door meeting reported between MHI, several of their top brands, and the GSEs. Following that meeting, the new class of homes plan emerged. Was it magic, or coordination, that explains what Gooch herself admits? Namely, that CrossMods, MHAdvantage, and CHOICEhome are apparently coordinate efforts &#8212; that have failed to yield the results that MHI&#8217;s so-called research claimed. Note that an MHI affiliate told MHProNews that they had low confidence in the MHI third party research. Per that source, he expected them to little more than rubber stamp what MHI wanted to hear. <\/i><\/figcaption><\/figure>\n<figure style=\"width: 550px\" class=\"wp-caption aligncenter\"><a href=\"http:\/\/www.mhpronews.com\/blogs\/daily-business-news\/state-association-tips-heat-up-ducker-worldwide-controversies-manufactured-housing-industry-report\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/02\/StateAssociationTipsHeatUpDuckerWorldwideManufacturedHousingIndustryControversiesDailyBusinessNewsMHProNews.jpg\" alt=\"\" width=\"550\" height=\"262\" \/><\/a><figcaption class=\"wp-caption-text\"><i> MHProNews received feedback from the MHI meeting attendees that said that numbers of MHI members walked out on the presentation when the &#8216;new class&#8217; of manufactured homes plan was rolled out. Indeed, as was later revealed by some 2.5 years of downturn during an affordable housing crisis, that walkout proved correct. But MHI ignored their own independent and other members. <a href=\"http:\/\/www.mhpronews.com\/blogs\/daily-business-news\/state-association-tips-heat-up-ducker-worldwide-controversies-manufactured-housing-industry-report\/\" target=\"_blank\" rel=\"noopener\">http:\/\/www.mhpronews.com\/blogs\/daily-business-news\/state-association-tips-heat-up-ducker-worldwide-controversies-manufactured-housing-industry-report\/<\/a><\/i><\/figcaption><\/figure>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/01\/ChrisFisherDuckerWorldWideManufacturedHousingInstituteDuckerResearchCostMHISalariesOtherSpendingProgramsRevealedManufacturedHomeProNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/expose-manufactured-housing-institute-ducker-research-cost-salaries-other-spending-program-revealed\/\" target=\"_blank\" rel=\"noopener\"><i>https:\/\/www.manufacturedhomepronews.com\/expose-manufactured-housing-institute-ducker-research-cost-salaries-other-spending-program-revealed\/ <\/i><\/a><\/figcaption><\/figure>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/what-are-we-chopped-liver-mhi-member-december-2018-reactions\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/02\/ClaytonHomes21stVanderbiltManufacuturedHousingInstituteFannieMaeLogoChoppedLiver.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/what-are-we-chopped-liver-mhi-member-december-2018-reactions\/\" target=\"_blank\" rel=\"noopener\"><i>https:\/\/www.manufacturedhomepronews.com\/what-are-we-chopped-liver-mhi-member-december-2018-reactions\/ <\/i><\/a><\/figcaption><\/figure>\n<figure style=\"width: 550px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/manufactured-housings-trojan-horse\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/02\/ManufacturedHousingTrojanHorseDailyBusinessNewsMHProNews550x422.jpg\" alt=\"\" width=\"550\" height=\"422\" \/><\/a><figcaption class=\"wp-caption-text\"><i>This report was posted Feb 21, 2018. It predicted that the so-called &#8216;new class of homes&#8217; could be a &#8216;Trojan Horse&#8217; for manufactured housing. If one measures performance by new homes shipped, that concern has proven to be true. How could we know almost 2 years in advance where the industry might be today? Because we know the industry from the inside, not just as publishers &#8211; but as performance based professional service providers. The MHI plan &#8211; supported by Clayton Homes, Fannie Mae and Freddie Mac, was arguably flawed from the outset. <a href=\"https:\/\/www.manufacturedhomepronews.com\/manufactured-housings-trojan-horse\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.manufacturedhomepronews.com\/manufactured-housings-trojan-horse\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><strong>Part II. <\/strong><\/p>\n<p><span style=\"font-size: 16px;\">This segment provides the comments submitted by MHI CEO Lesli Gooch, Ph.D., to the FHFA which may \u2013 on the surface \u2013 appear to be one of her strongest yet.<\/span><\/p>\n<ul>\n<li>However, what Gooch did not mention, as reflected by prior statements by Kevin Clayton, Doug Ryan, Mark Weiss, and MHI itself are going to reveal what could be a case study in paltering within the manufactured housing industry. More on that in our analysis that follows her comments.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoHeaderMHproNewsFactCheckAnalysisMasthead.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-19480\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoHeaderMHproNewsFactCheckAnalysisMasthead.png\" alt=\"ManufacturedHousingInstituteLogoHeaderMHproNewsFactCheckAnalysisMasthead\" width=\"609\" height=\"120\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoHeaderMHproNewsFactCheckAnalysisMasthead.png 2135w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoHeaderMHproNewsFactCheckAnalysisMasthead-575x113.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoHeaderMHproNewsFactCheckAnalysisMasthead-1024x202.png 1024w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoHeaderMHproNewsFactCheckAnalysisMasthead-150x30.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoHeaderMHproNewsFactCheckAnalysisMasthead-768x151.png 768w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoHeaderMHproNewsFactCheckAnalysisMasthead-1536x303.png 1536w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/ManufacturedHousingInstituteLogoHeaderMHproNewsFactCheckAnalysisMasthead-2048x404.png 2048w\" sizes=\"(max-width: 609px) 100vw, 609px\" \/><\/a><\/p>\n<p style=\"text-align: center;\">July 16, 2021<\/p>\n<p>Ms. Sandra Thompson<\/p>\n<p>Acting Director<\/p>\n<p>Federal Housing Finance Agency<\/p>\n<p>400 7th Street SW<\/p>\n<p>Washington, D.C. 20219<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Re:\u00a0 Request for Input \u2013 Fannie Mae and Freddie Mac Proposed 2022-2024 Duty to Serve Plans<\/strong><span style=\"font-size: 16px;\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/span><\/p>\n<p>Dear Acting Director Thompson:<\/p>\n<p>The Manufactured Housing Institute (MHI) is pleased to provide comments in response to the Federal Housing Finance Agency\u2019s (FHFA) request for input about the proposed 2022-2024 Duty to Serve Plans of Fannie Mae and Freddie Mac (the \u201cEnterprises\u201d).<\/p>\n<p>The essence of the statutory Duty to Serve (DTS) requirements on Fannie Mae or Freddie Mac is not plans, reports, or listening sessions, however informative or well-intentioned.\u00a0 The essence of DTS is performance \u2013 as measured by the purchase of loans, innovations in product developments, and outreach to qualified seller-servicers.\u00a0 It is in that context, with three years of uneven manufactured home DTS performance to date, that MHI requests that Fannie Mae and Freddie Mac substantially beef up their proposed 2022-2024 DTS Manufactured Housing Plans, to include objectives and commitments to:<\/p>\n<ul>\n<li>Expeditiously develop a flow program for the purchase and securitization of chattel loans and begin purchase of chattel loans under such a flow program.<\/li>\n<li>Increase numerical targets for purchase of manufactured home real estate loans, based on a four percent annual increase over the most recent appropriate baseline year.<\/li>\n<li><span style=\"background-color: yellow;\">Continue to develop innovative programs, such as loans for CrossMod homes.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3>About the Manufactured Housing Institute<\/h3>\n<p>The Manufactured Housing Institute (MHI) is the only national trade association that represents every segment of the factory-built housing industry. Our members include home builders, suppliers, retail sellers, lenders, installers, community owners, community operators, and others who serve the industry, as well as 48 affiliated state organizations. In 2020, our industry produced nearly 95,000 homes, accounting for approximately nine percent of new single-family home starts. These homes are produced by 33 U.S. corporations in 133 plants located across the country. MHI\u2019s members are responsible for close to 85 percent of the manufactured homes produced each year.<\/p>\n<p>Manufactured housing is the largest form of unsubsidized affordable housing in the U.S. and the only type of housing built to a federal construction and safety standard. It is also the only type of housing that Congress recognizes as having a vital role in meeting America\u2019s housing needs as a significant source for affordable homeownership accessible to all Americans. Today, 22 million people live in manufactured housing.<\/p>\n<h3>Real Property Manufactured Housing Loans<\/h3>\n<p>Purchases of real property manufactured home loans continue to represent the major source of the Enterprises\u2019 mortgage access to credit for manufactured housing.<\/p>\n<p><u>Fannie Mae\u2019s 2022-2044 DTS Plans include targets to purchase:<\/u><\/p>\n<ul>\n<li>8,595 real property manufactured home loans in 2022. 9,025 real property manufactured home loans in 2023.<\/li>\n<li>9,471 real property manufactured home loans in 2024.<\/li>\n<\/ul>\n<p>Fannie Mae\u2019s DTS Plan characterizes these levels as a steady five percent a year increase \u2013 but only by comparing these levels to an artificially low baseline of the three-year 2018-2020 average.\u00a0 In fact, the 2022 numerical target of 8,595 loans is 2.3 percent below the 2020 level of 8,798.<\/p>\n<p>Therefore, MHI recommends that Fannie Mae revise these targets upward. Using a lower four percent annual increase but basing this off of the 2020 levels as a baseline, the targets would be:<\/p>\n<ul>\n<li>9,516 real property manufactured home loans in 2022.<\/li>\n<li>9,897 real property manufactured home loans in 2023.<\/li>\n<li>10,293 real property manufactured home loans in 2024.<\/li>\n<\/ul>\n<p><u>Freddie Mac\u2019s 2022-2044 DTS Plans include targets to purchase:<\/u><\/p>\n<ul>\n<li>4,300 to 4,800 real property manufactured home loans in 2022. 4,400 to 4,900 real property manufactured home loans in 2023.<\/li>\n<li>4,500 to 5,000 real property manufactured home loans in 2024.<\/li>\n<\/ul>\n<p>Freddie Mac\u2019s 2020 total of 6,634 is a significant jump from its 2019 level of 4,390.\u00a0 Under a more conservative approach using the 2019 level as a baseline, with a similar methodology of an annual increase of four percent, MHI recommends the following targets for Freddie Mac:<\/p>\n<ul>\n<li>4,938 real property manufactured home loans in 2022. 5,136 real property manufactured home loans in 2023.<\/li>\n<li>5,341 real property manufactured home loans in 2024.<\/li>\n<\/ul>\n<h3>Product Innovation and Lender Outreach<\/h3>\n<p>Both Fannie Mae\u2019s and Freddie Mac\u2019s 2018-2020 DTS Plans promised to develop more flexible, innovative loan products for real property loans, and we believe on balance that they succeeded in this objective over the last 3+ years. <span style=\"background-color: yellow;\">MHI is particularly pleased that both Enterprises have introduced new programs that provide conventional financing for manufactured homes with site-built features.\u00a0 Qualifying home features for the MH Advantage<sup>\u00ae<\/sup> and CHOICEHome<sup>\u00ae<\/sup> programs align closely with the industry\u2019s new CrossMod homes<\/span>, with higher roof pitches, permanent and lower profile foundations, garages or carports, and porches. CrossMod homes are indistinguishable from site-built housing at a fraction of the cost due to the efficiencies of factory- built construction.<\/p>\n<p>CrossMod homes are a point of entry for home buyers who are currently priced out of homeownership because traditional site-built housing is not produced below $200,000. CrossMod homes will serve this gap in the market and have the potential to reach areas of the country where manufactured housing has, in the past, been zoned out by discriminatory land use regulations at the state and local level.\u00a0 MHI commends the Enterprises for their leadership in this area, which we hope will be a model for similar actions for the FHA Title II loan program to serve CrossMod homes.<\/p>\n<p>MHI encourages Fannie Mae and Freddie Mac to continue these efforts and improve outreach regarding appraisals to ensure appraisers actually know about and follow the new appraisal guidelines for homes that qualify for MH Advantage<sup>\u00ae<\/sup> and CHOICEHome<sup>\u00ae<\/sup>. The Enterprises could also develop a functional solution that seamlessly fits into the lender and underwriting process, such as a form that provides appraisers with very specific instructions and guidelines. Such actions would be pursuant to the Duty to Serve statutory requirement for the Enterprises to conduct \u201coutreach to qualified loan sellers and other market participants.\u201d<\/p>\n<p>Finally, MHI also urges the Enterprises to provide further support on certain challenges the industry has seen in developing this new product, specifically with respect to zoning, appraisal, and engagement issues. For example, we encourage the Enterprises to create a strategy for overcoming local zoning and land use barriers to the placement of this new type of home. Such a strategy could include the development of materials for zoning presentations, educational materials, and relationship building with local governments and entities.<\/p>\n<p>&nbsp;<\/p>\n<h3>Loans to Manufactured Home Communities<\/h3>\n<p>Finally, there has been much discussion about the Enterprises\u2019 support for the purchase of land-lease communities, both within and outside of the DTS. Land-lease communities offer more than affordable housing. They offer a sense of neighborhood and often feature a range of amenities. MHI conducted a national survey of people living in manufactured housing, which showed that 87 percent of residents in all-age communities are satisfied with their homes.<\/p>\n<p>MHI understands some parties have raised concerns about some bad actors raising rents excessively and otherwise acting in bad faith. Raising rents and evicting tenants is counter to the prevailing business model of every professional land-lease community owner-operator who relies upon stable rent and high occupancy. Recently, MHI completed a robust, independent analysis of the professionally owned manufactured home community industry to move away from anecdotal cases and understand the real operating conditions, investment\/maintenance activities and typical outcomes of residents in these communities.\u00a0 An independent consulting firm was hired and completed a comprehensive research and analytical study across well over 700 respondent residents and over 1,000 professionally managed community\u2019s operation data.<\/p>\n<p>The independent research affirms the following:<\/p>\n<ul>\n<li>Residents in professionally managed communities\u2019 value their community management and its extensive offering of amenities and ongoing investment.<\/li>\n<li>Professionally managed communities consistently improve and routinely make investments in their communities each year \u2013 enhancing near-term and long-term value of the community.<\/li>\n<li>Lease rates are competitive, and rent increases are at par or lower than other housing alternatives.<\/li>\n<\/ul>\n<p>Going back many years, MHI worked with consumer groups and proposed standards for consumer lease protections through the DTS process. Our intent was for such protections to accompany secondary market support for the financing of homes within land-lease communities (chattel financing) as opposed to the commercial financing of the communities themselves, which is how the protections were ultimately adopted within DTS. We have consistently argued that the DTS credit should be specifically targeted to supporting financing for the consumer and we encourage FHFA to move the Enterprises back to a consumer focus when it comes to their activities under DTS.\u00a0 While we appreciate the Enterprises\u2019 support for land-lease manufactured housing communities and hope such support will continue, within DTS we strongly encourage a concerted focus on creating a secondary market for chattel financing so that residents in the land-lease communities can be supported.<\/p>\n<p>In conclusion, MHI appreciates the efforts by FHFA, Fannie Mae and Freddie Mac with respect to manufactured housing.\u00a0 MHI is committed to working with FHFA and the Enterprises to expand the supply of affordable manufactured housing in a responsible manner.\u00a0 We believe that these recommendations will bring to the manufactured housing consumer many of the same benefits available to consumers with conventional mortgages, namely greater access to credit with potentially more affordable financing, more lenders in the market, and the ability to refinance as market conditions change. We welcome the opportunity to address any questions or concerns you might have, and stand ready to continue to work with the Enterprises and the FHFA in helping to implement a successful and impactful Duty to Serve program for manufactured housing.<\/p>\n<p>Thank you for consideration of these recommendations.<\/p>\n<p>Sincerely,<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/LesliGoochSignatureMHI.png\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-19481 alignleft\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/LesliGoochSignatureMHI.png\" alt=\"LesliGoochSignatureMHI\" width=\"238\" height=\"67\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/LesliGoochSignatureMHI.png 543w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/LesliGoochSignatureMHI-150x42.png 150w\" sizes=\"(max-width: 238px) 100vw, 238px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Lesli Gooch, Ph.D.<\/p>\n<p>Chief Executive Officer ##<\/p>\n<p style=\"text-align: center;\">###<\/p>\n<figure style=\"width: 591px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/11\/DecieveSomeoneUsingTruthfulStatementsPalteringQuoteDeceptionWIthTruthQuoteManufacturedHomeProNews.jpg\" alt=\"\" width=\"591\" height=\"327\" \/><figcaption class=\"wp-caption-text\"><i>Several of the illustrations shown in this report can be opened in many browsers to reveal a larger size. To open this picture, click the image once. When the window opens, click it again to reveal the larger size photo. Use your browsers back key to return to the article.<\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><strong>More Information, MHProNews Analysis, and Commentary<\/strong><\/p>\n<p>There are statements that on the surface may be true, but when they omit other relevant facts, can be deceptive. That is described by some as \u201c<strong><span style=\"color: #800000;\">paltering<\/span><\/strong>.\u201d The Capital Research Center has referred to what they call \u201c<span style=\"color: #800000;\"><strong>deception and misdirection<\/strong><\/span>.\u201d One could write a chapter on what is missing in emphasis, importance, and information from Gooch&#8217;s missive above.\u00a0 But we will do so more expeditiously by linking up several documents, and use a series of bullets to reveal in rapid fire manner just how woefully lacking Gooch&#8217;s comments are.<\/p>\n<p>In no particular order of importance are the following.<\/p>\n<p>A) It goes almost without saying that the Manufactured Housing Association for Regulatory Reform (MHARR) has early and often ripped this misdirection of the Duty to Serve away from mainstream manufactured homes. For example, MHARR&#8217;s President and CEO Mark Weiss pointed out the obvious.\u00a0 Fannie and Freddie were embracing a product that had no track record, vs. supporting the multiple decades of experiencing for mainstream manufactured homes.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/02\/MarkWeissDTSQuoteManufacturedHousingAssocRegulatoryReformMHARRDailyBusinessNewsMHproNews-2-1.jpg\" width=\"580\" height=\"287\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/03\/MarkWeissPICMHARRlogoQuoteFHFAListeningSession3.25.2021-ConsequentlyDTSmanufacturedHousing80percentunservedonManufacturedHomeLoansbyFannieFreddieCompletelyExludedMHProNews.jpg\" width=\"607\" height=\"433\" \/><\/p>\n<figure style=\"width: 590px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/06\/TimeToInvestigateFannieFreddieMishandlingofDutyToServeDTSMHARRissuesPerspectiveManufacturredHousingAssocRegulatoryReformLogo.jpg\" alt=\"\" width=\"590\" height=\"310\" \/><figcaption class=\"wp-caption-text\"><i>https:\/\/manufacturedhousingassociationregulatoryreform.org\/time-to-investigate-fannie-and-freddies-mishandling-of-dts\/ <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>B) But some who are wrongly tempted to discount Weiss, for whatever reason, then can&#8217;t ignore an array of other voices outside of MHARR. For instance, Prosperity Now&#8217;s Doug Ryan slammed MHI and Clayton for undermining the process of providing chattel lending support for mainstream HUD Code manufactured homes.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/03\/DougRyanPhotoProsperityNowLOGOQuoteSystemDiscouragesFannieFreddieLoaningChattelLoansOnmanufacturedHousingQuoteMHProNewsLogo.jpg\" width=\"607\" height=\"314\" \/><\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/03\/DougRyanPicProsperityNowLOGOQuoteCapitalAccessClaytonHomesLWhyManufacturedHousingInstituteUnwillingCritizeExclusionChattelLoansBoostSalesAttractNewManufacturedHomeLendersMHProNewsLogo.jpg\" alt=\"\" width=\"600\" height=\"320\" \/><figcaption class=\"wp-caption-text\"><i>See his context and the full &#8216;debate&#8217; context in the report, linked here. https:\/\/www.manufacturedhomepronews.com\/epic-kevin-clayton-moat-rant-analysis-lesli-gooch-debate-defense-doug-ryan-charge-end-clayton-monopoly-over-manufactured-housing-breaching-buffett-berkshire-clayton-monopolistic-moat-method\/ <\/i><\/figcaption><\/figure>\n<p>Doug Ryan with Prosperity Now in his DTS comments letter uploaded to the FHFA on 7.17.2021 said the following.<\/p>\n<h4>\u201c<span style=\"color: #800000;\"><strong>Chattel Loans <\/strong><\/span><\/h4>\n<p><span style=\"color: #800000;\"><strong>Chattel loans account for most loans for manufactured home buyers. We are disappointed, but not surprised, that the enterprises do not, and for 2021, will not, have chattel products. While community development financial institutions and a handful of state HFAs do great work in the chattel space, the GSEs\u2019 entry into this market is the one viable way to reduce homeowner expenses, improve consumer protections and advance asset building<\/strong><\/span>.\u201d<\/p>\n<p>Ryan added, \u201c<span style=\"color: #800000;\"><strong>The 2019 reports on chattel products for both enterprises noted that they were on track in product development. Events in 2020, as detailed in their plans for 2021, suggest this is no longer the case. Both the enterprises and their regulator must detail the challenges in product development, including any market opposition, and their plans to advance such products<\/strong><\/span>.\u201d<\/p>\n<p>That appears to be an oblique reference to Ryan\u2019s comments cited above and below.<\/p>\n<figure style=\"width: 575px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/09\/DougRyanAmericanBankerManufacturedHousingMonopoly-postedDailyBusinessNewsManufacturedHousingIndustryProNews-575x237.png\" alt=\"\" width=\"575\" height=\"237\" \/><figcaption class=\"wp-caption-text\"><i>See his context and the full &#8216;debate&#8217; context in the report, linked here. <a href=\"https:\/\/www.manufacturedhomepronews.com\/epic-kevin-clayton-moat-rant-analysis-lesli-gooch-debate-defense-doug-ryan-charge-end-clayton-monopoly-over-manufactured-housing-breaching-buffett-berkshire-clayton-monopolistic-moat-method\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.manufacturedhomepronews.com\/epic-kevin-clayton-moat-rant-analysis-lesli-gooch-debate-defense-doug-ryan-charge-end-clayton-monopoly-over-manufactured-housing-breaching-buffett-berkshire-clayton-monopolistic-moat-method\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>C) What Gooch completely ignored are powerful statements like the ones below that reveal that there are no excuses for not providing lending on all HUD Code manufactured homes via DTS, including chattel (home only) loans.<\/p>\n<figure style=\"width: 606px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/07\/KevinClaytonPhotoQuoteRemarksCongressDutyToServeMHImembersDemonstratedManufacturedHousingLendersDisciplinedLoanPerformancedQuote.png\" alt=\"\" width=\"606\" height=\"236\" \/><figcaption class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-buyers-current-mobile-manufactured-homeowners-do-you-want-lower-cost-manufactured-housing-loans-practical-legal-insights-facts-analysis\/\" target=\"_blank\" rel=\"noopener\"> https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-buyers-current-mobile-manufactured-homeowners-do-you-want-lower-cost-manufactured-housing-loans-practical-legal-insights-facts-analysis\/<\/a> sourced from Kevin Clayton&#8217;s &#8220;Truth n testimony&#8221; statements to Congress found in the report linked here.\u00a0 <a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/dems-provide-revealing-clayton-info-kevin-clayton-ceo-clayton-homes-federal-testimony-yields-apparent-agreements-with-mharr-concurs-with-manufactured-housing-institute-berkshire-hathaway-fhfa-and\/\" target=\"_blank\" rel=\"noopener\"><strong>https:\/\/www.manufacturedhomepronews.com\/masthead\/dems-provide-revealing-clayton-info-kevin-clayton-ceo-clayton-homes-federal-testimony-yields-apparent-agreements-with-mharr-concurs-with-manufactured-housing-institute-berkshire-hathaway-fhfa-and\/<\/strong><\/a><\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>Additionally, and to the concerns raised by Weiss, Ryan, and others cited and linked herein, Good entirely failed to mention the celebratory mood of former MHI chairman, and still MHI board member, Tim Williams. Williams is the President and CEO of 21st Mortgage Corporation, a Berkshire Hathaway owned brand that is a sister company to Clayton Homes.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 506px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/11\/TimWilliamsPhoto21stMorgageCorporationLogoQuoteHappyThatThePilotProgramFailedFormerMHIChairmanMHProNews.jpg\" alt=\"\" width=\"506\" height=\"248\" \/><figcaption class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomepronews.com\/tim-williams-ceo-of-berkshire-owned-21st-mortgage-corp-and-manufactured-housing-institute-board-member-makes-stunning-admission\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.manufacturedhomepronews.com\/tim-williams-ceo-of-berkshire-owned-21st-mortgage-corp-and-manufactured-housing-institute-board-member-makes-stunning-admission\/<\/a> For added FHFA\/DTS context, see the report linked here. <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-buyers-current-mobile-manufactured-homeowners-do-you-want-lower-cost-manufactured-housing-loans-practical-legal-insights-facts-analysis\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-buyers-current-mobile-manufactured-homeowners-do-you-want-lower-cost-manufactured-housing-loans-practical-legal-insights-facts-analysis\/<\/a><\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>D) Reports linked below unpack the issue from an array of perspectives.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/07\/FHFA-ManufacturedHomesDutyToServeGSEsFannieMaeFreddieMacLogoManufacturedHousingAssocRegReformLogoManufacturedHomeDTSLoansPlusMHStockUpdatesMHProNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/mharr-others-strike-on-manufactured-housing-duty-to-serve-manufactured-home-lending-plus-manufactured-home-stocks-updates\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/mharr-others-strike-on-manufactured-housing-duty-to-serve-manufactured-home-lending-plus-manufactured-home-stocks-updates\/<\/i><\/a><\/figcaption><\/figure>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-resident-advocate-bob-van-cleef-federal-statement-to-fhfa-fannie-mae-freddie-mac-hits-the-jackpot-with-manufactured-home-but-problems-with-manufactu\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/07\/ManufacturedHomeResidentAdvocateBobVanCleefStatementFHFAfannieMaeFreddieMacLOGOsHitsJackpotManufacturedHomeButProblemsManufacturedHomeFinancingRobertBobVanCleefPICMHLivingNewsLogo.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-resident-advocate-bob-van-cleef-federal-statement-to-fhfa-fannie-mae-freddie-mac-hits-the-jackpot-with-manufactured-home-but-problems-with-manufactu\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-resident-advocate-bob-van-cleef-federal-statement-to-fhfa-fannie-mae-freddie-mac-hits-the-jackpot-with-manufactured-home-but-problems-with-manufactu\/ <\/i><\/a><\/figcaption><\/figure>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/07\/LizVoigtPicMHactionForgeOrgLogoMHActionRevealingStatementsGeorgeSorosClaytonHomesWarrenBuffettMHLoanLizVoigtPredatoryFannieFreddieManufacturedHousingInstituteCommunityMembersStocks.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><figcaption class=\"wp-caption-text\"><i> https:\/\/www.manufacturedhomepronews.com\/mhaction-statements-revealing-george-soros-clayton-homes-warren-buffett-manufactured-home-lending-liz-voigt-tears-fannie-freddie-predatory-manufactured-ho\/<\/i><\/figcaption><\/figure>\n<figure id=\"attachment_19452\" aria-describedby=\"caption-attachment-19452\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/WarrenBuffettPhotoQuotesJasonBoehlertManufacturedHousingInstituteLOGOmhiLOGOGovernmentWantsHighQualityLowCostHousingManufacturedHousingProvidesThatProduct-MHProNewsFactCheck.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19452\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/WarrenBuffettPhotoQuotesJasonBoehlertManufacturedHousingInstituteLOGOmhiLOGOGovernmentWantsHighQualityLowCostHousingManufacturedHousingProvidesThatProduct-MHProNewsFactCheck.png\" alt=\"WarrenBuffettPhotoQuotesJasonBoehlertManufacturedHousingInstituteLOGOmhiLOGOGovernmentWantsHighQualityLowCostHousingManufacturedHousingProvidesThatProduct-MHProNewsFactCheck\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/WarrenBuffettPhotoQuotesJasonBoehlertManufacturedHousingInstituteLOGOmhiLOGOGovernmentWantsHighQualityLowCostHousingManufacturedHousingProvidesThatProduct-MHProNewsFactCheck.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/WarrenBuffettPhotoQuotesJasonBoehlertManufacturedHousingInstituteLOGOmhiLOGOGovernmentWantsHighQualityLowCostHousingManufacturedHousingProvidesThatProduct-MHProNewsFactCheck-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/WarrenBuffettPhotoQuotesJasonBoehlertManufacturedHousingInstituteLOGOmhiLOGOGovernmentWantsHighQualityLowCostHousingManufacturedHousingProvidesThatProduct-MHProNewsFactCheck-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19452\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/bat-guano-the-government-wants-high-quality-low-cost-housing-and-manufactured-housing-provides-that-product-warren-buffett-per-manufactured-housing-institute-examini\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/masthead\/bat-guano-the-government-wants-high-quality-low-cost-housing-and-manufactured-housing-provides-that-product-warren-buffett-per-manufactured-housing-institute-examini\/<\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>The bottom line is that MHI has been demonstrably posturing on DTS &#8211; and other issues, <a href=\"https:\/\/www.manufacturedhomepronews.com\/examining-manufactured-housing-institutes-unfair-zoning-kevin-clayton-lesli-gooch-statements-related-facts-plus-manufactured-home-stock-updates\/\" target=\"_blank\" rel=\"noopener\">such as zoning and placement<\/a> &#8211; without doing much that is measurable. Some of their affiliates and members have at various times made observations that support such concerns, as a few examples below and in linked reports illustrate. But that does not mean that silently or subtlety, some MHI affiliates and members are quietly calling out what is and has been occurring.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/04\/MHEClogoManufacturedHousingExecutivesCouncilLOGOQuoteItIsNotTheJobOfGoodAssociationDefendTheBehaviorOfBadActorsManufacturedHomeProNews-1.png\" width=\"603\" height=\"173\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews48thMHINCClist.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16827\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews48thMHINCClist.jpg\" alt=\"KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews48thMHINCClist\" width=\"515\" height=\"288\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews48thMHINCClist.jpg 515w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews48thMHINCClist-150x84.jpg 150w\" sizes=\"(max-width: 515px) 100vw, 515px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/03\/ManufacturedHousingExecCouncilLOGOmhecLOGOquoteWhyDoesClaytonDominateStateAssocAttritionDeclineAZ60Percent7YearsMHProNews.jpg\" width=\"609\" height=\"196\" \/><\/p>\n<figure style=\"width: 435px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/how-gold-rules-tim-williams-21st-mortgage-mhi-vp-state-execs-conference-call\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/10\/HowGoldRulesTimWilliamsMortgageCorpStateManufacturedHousingIndustryExecutiveDirectorsMHEC-ManufacturedHomeProNews.jpg\" alt=\"\" width=\"435\" height=\"231\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/how-gold-rules-tim-williams-21st-mortgage-mhi-vp-state-execs-conference-call\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/how-gold-rules-tim-williams-21st-mortgage-mhi-vp-state-execs-conference-call\/ <\/i><\/a><\/figcaption><\/figure>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/03\/NealTHaneyNAMHCOWhyBreakawayfromManfuacturedHousingInstituteMHI.jpg\" width=\"603\" height=\"201\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>MHARR\u2019s Danny Ghorbani summed much of that up with these stinging but apt words.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/08\/OvercomeZoningFinancingWoesPostProductionRepMoreThanMeetingsTalkingPointsEngagePhotoOpsPublishNewslettersFullBraggadocioBoastsBereftTangibleResultsQuoteDannyGhorbaniPhotoMHProNews.jpg\" width=\"582\" height=\"351\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Examples of relevant reports on financing related topics and\/or issues that illustrate the harmful impact of a lack of more competitive lending that routinely connect to the Duty to Serve and purported MHI failures are linked below.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/ex-manufactured-housing-institute-vice-president-who-left-the-manufactured-home-industry-revealed-stunning-buffett-berkshire-era-drop-in-manufactured-housing-independent-communities-retailers-factor\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/05\/ExManufacturedHousingInsituteLogoVPWhoLeftManufacturedHomeIndustryRevealedStunningDropInManufacturedHousingIndepentCOmmunitiesRetailersFactoryBuilders-1.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/ex-manufactured-housing-institute-vice-president-who-left-the-manufactured-home-industry-revealed-stunning-buffett-berkshire-era-drop-in-manufactured-housing-independent-communities-retailers-factor\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/ex-manufactured-housing-institute-vice-president-who-left-the-manufactured-home-industry-revealed-stunning-buffett-berkshire-era-drop-in-manufactured-housing-independent-communities-retailers-factor\/<\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_19388\" aria-describedby=\"caption-attachment-19388\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/ibts-hud-data-manufactured-home-production-in-may-2021-up-2-of-4-categories-manufactured-housing-facts-insights-analysis\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19388\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/IBTSHUDdataManufacturedHomeProductionMay2021Up2of4CategoriesManufacturedHousingFactsInsightsAnalysisMHProNews.png\" alt=\"IBTSHUDdataManufacturedHomeProductionMay2021Up2of4CategoriesManufacturedHousingFactsInsightsAnalysisMHProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/IBTSHUDdataManufacturedHomeProductionMay2021Up2of4CategoriesManufacturedHousingFactsInsightsAnalysisMHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/IBTSHUDdataManufacturedHomeProductionMay2021Up2of4CategoriesManufacturedHousingFactsInsightsAnalysisMHProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/IBTSHUDdataManufacturedHomeProductionMay2021Up2of4CategoriesManufacturedHousingFactsInsightsAnalysisMHProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19388\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/ibts-hud-data-manufactured-home-production-in-may-2021-up-2-of-4-categories-manufactured-housing-facts-insights-analysis\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/masthead\/ibts-hud-data-manufactured-home-production-in-may-2021-up-2-of-4-categories-manufactured-housing-facts-insights-analysis\/<\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_19455\" aria-describedby=\"caption-attachment-19455\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/consumer-ben-womack-sounds-off-on-manufactured-home-sales-service-manufactured-home-lending-specifically-21st-mortgage-corporation\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19455\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/21stMortgageCorporationLogoConsumerBenWomackSoundsOffManufacturedHomeSalesServiceManufacturedHomeLoans21stMortgageCorpLendingMHLivingNews6.png\" alt=\"21stMortgageCorporationLogoConsumerBenWomackSoundsOffManufacturedHomeSalesServiceManufacturedHomeLoans21stMortgageCorpLendingMHLivingNews6\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/21stMortgageCorporationLogoConsumerBenWomackSoundsOffManufacturedHomeSalesServiceManufacturedHomeLoans21stMortgageCorpLendingMHLivingNews6.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/21stMortgageCorporationLogoConsumerBenWomackSoundsOffManufacturedHomeSalesServiceManufacturedHomeLoans21stMortgageCorpLendingMHLivingNews6-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/21stMortgageCorporationLogoConsumerBenWomackSoundsOffManufacturedHomeSalesServiceManufacturedHomeLoans21stMortgageCorpLendingMHLivingNews6-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19455\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/consumer-ben-womack-sounds-off-on-manufactured-home-sales-service-manufactured-home-lending-specifically-21st-mortgage-corporation\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomelivingnews.com\/consumer-ben-womack-sounds-off-on-manufactured-home-sales-service-manufactured-home-lending-specifically-21st-mortgage-corporation\/<\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_19427\" aria-describedby=\"caption-attachment-19427\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/sun-communities-lutz-bobo-plus-manufactur\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19427\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/SunCommunitiesJodyBGabelNationalCommunitiesCouncilManufacturedHousingInstituteLogoLutzBoboTelfairLogoManuHousingInstituteChargesMembersLearnAboutMHIAdvocacyManuHomeStock.png\" alt=\"SunCommunitiesJodyBGabelNationalCommunitiesCouncilManufacturedHousingInstituteLogoLutzBoboTelfairLogoManuHousingInstituteChargesMembersLearnAboutMHIAdvocacyManuHomeStock\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/SunCommunitiesJodyBGabelNationalCommunitiesCouncilManufacturedHousingInstituteLogoLutzBoboTelfairLogoManuHousingInstituteChargesMembersLearnAboutMHIAdvocacyManuHomeStock.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/SunCommunitiesJodyBGabelNationalCommunitiesCouncilManufacturedHousingInstituteLogoLutzBoboTelfairLogoManuHousingInstituteChargesMembersLearnAboutMHIAdvocacyManuHomeStock-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/SunCommunitiesJodyBGabelNationalCommunitiesCouncilManufacturedHousingInstituteLogoLutzBoboTelfairLogoManuHousingInstituteChargesMembersLearnAboutMHIAdvocacyManuHomeStock-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19427\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/sun-communities-lutz-bobo-plus-manufactur\/\" target=\"_blank\" rel=\"noopener\"><i>https:\/\/www.manufacturedhomepronews.com\/sun-communities-lutz-bobo-plus-manufactur\/ <\/i><\/a><\/figcaption><\/figure>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-buyers-current-mobile-manufactured-homeowners-do-you-want-lower-cost-manufactured-housing-loans-practical-legal-insights-facts-analysis\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/07\/SandraThompsonPhotoFHFAlogoManufacturedHomeBuyersCurrentMobileHomeManufacturedHomeownersLowerCostManufacturedHomeLoansPracticalLegalInsightsFactsAnalysisMHLivingNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-buyers-current-mobile-manufactured-homeowners-do-you-want-lower-cost-manufactured-housing-loans-practical-legal-insights-facts-analysis\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-buyers-current-mobile-manufactured-homeowners-do-you-want-lower-cost-manufactured-housing-loans-practical-legal-insights-facts-analysis\/<\/i><\/a><\/figcaption><\/figure>\n<p>https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/07\/FHFA-ManufacturedHomesDutyToServeGSEsFannieMaeFreddieMacLogoManufacturedHousingAssocRegReformLogoManufacturedHomeDTSLoansPlusMHStockUpdatesMHProNews.jpg<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/mharr-others-strike-on-manufactured-housing-duty-to-serve-manufactured-home-lending-plus-manufactured-home-stocks-updates\/\" target=\"_blank\" rel=\"noopener\"><em>https:\/\/www.manufacturedhomepronews.com\/mharr-others-strike-on-manufactured-housing-duty-to-serve-manufactured-home-lending-plus-manufactured-home-stocks-updates\/<\/em><\/a><\/p>\n<p><strong>Part III. Weaponized Information and Agenda-Driven Reporting \u2013 Illustrated by Comments from Journalists, Academics, Federal, and Communications Professionals<\/strong><\/p>\n<p>From the political left and right there is a growing number of voices that have spoken out about what Edelman called an \u201c<span style=\"color: #800000;\"><strong>infodemic<\/strong><\/span>.\u201d On the one hand, this is hardly \u2018new.\u2019 So-called yellow journalism period, per history.state.gov was from 1866-1898. \u201c<span style=\"color: #800000;\"><strong>Yellow journalism was a style of newspaper reporting that emphasized sensationalism over facts<\/strong><\/span>.\u201d That period in American history is worth a a brief segue in order to learn the lesson and then return to this topic at hand.<\/p>\n<p>In an article on the federal website entitled \u201c<strong><a href=\"https:\/\/history.state.gov\/milestones\/1866-1898\/yellow-journalism\">U.S. Diplomacy and Yellow Journalism, 1895\u20131898<\/a><\/strong>\u201d the article states that \u201c<span style=\"color: #800000;\"><strong>During its heyday in the late 19th century it was one of many factors that helped push the United States and Spain into war in Cuba and the Philippines, leading to the acquisition of overseas territory by the United States<\/strong><\/span>.\u201d<\/p>\n<p>Students of history should peer into the Spanish-American War in order to better understand what occurred in the run-up of U.S. involvement in conflicts such as World War I, World War II, Vietnam, and the U.S. conflicts in the Middle East under Presidents George H.W. Bush, George W. Bush, and Barack Obama. Because even though history doesn\u2019t precisely repeat, as the saying goes, it does rhyme.<\/p>\n<p>Or more aptly, whatever has happened before can happen again.<\/p>\n<p>Per the history.state.gov website: <strong>\u201c<\/strong><span style=\"color: #800000;\"><strong>On the night of February 15, an explosion tore through the ship\u2019s hull, and the Maine went down. Sober observers and an initial report by the colonial government of Cuba concluded that the explosion had occurred on board, but Hearst and Pulitzer, who had for several years been selling papers by fanning anti-Spanish public opinion in the United States, published rumors of plots to sink the ship. When a U.S. naval investigation later stated that the explosion had come from a mine in the harbor, the proponents of yellow journalism seized upon it and called for war. By early May<\/strong>, <\/span><strong><span style=\"color: #800000;\">th<\/span>e<\/strong>\u00a0<strong><a href=\"https:\/\/history.state.gov\/milestones\/1866-1898\/spanish-american-war\">Spanish-American War had begun<\/a>.\u201d<\/strong><\/p>\n<p>\u201c<span style=\"color: #800000;\"><strong>The rise of yellow journalism helped to create a climate conducive to the outbreak of international conflict and the expansion of U.S. influence overseas, but it did not by itself cause the war. In spite of Hearst\u2019s often quoted statement\u2014\u201cYou furnish the pictures, I\u2019ll provide the war!\u201d\u2014other factors played a greater role in leading to the outbreak of war. The papers did not create anti-Spanish sentiments out of thin air, nor did the publishers fabricate the events to which the U.S. public and politicians reacted so strongly. Moreover, influential figures such as Theodore Roosevelt led a drive for U.S. overseas expansion that had been gaining strength since the 1880s. Nevertheless, yellow journalism of this period is significant to the history of U.S. foreign relations in that its centrality to the history of the Spanish American War shows that the press had the power to capture the attention of a large readership and to influence public reaction to international events. The dramatic style of yellow journalism contributed to creating public support for the Spanish-American War, a war that would ultimately expand the global reach of the United States<\/strong><\/span>.\u201d What where the other factors that history.state.gov does not mention? Conflicts often produce to certain benefits that routine go to big business interests. That is undoubtedly a factor in the Spanish-American War and other conflicts too. So it is interesting that the State Department makes such an admission.<\/p>\n<p>With that historic lesson in mind, fast forward to today.<\/p>\n<p>In response to this question from <em>Newsmax <\/em>on 7.16.2921 at about the 4:39 mark: \u201c<span style=\"color: #800000;\"><strong>Why Is\u00a0<\/strong><strong>no one but John Solomon reporting on this? If this was Trump, it would be everyone.\u00a0<\/strong><strong>And yet you have now a top FBI agent basically saying unequivocally, yes. Where&#8217;s the\u00a0<\/strong><strong>rest of the press corps<\/strong><\/span>?\u201d<\/p>\n<p>&nbsp;<\/p>\n<p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/E-zBa4paDgg\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>The question itself reflects hype, as Solomon is hardly alone on this. That noted, to reframe that \u2013 it is an important inquiry \u2013 why have so few reporters dug into obvious issues related to Hunter Biden and other Biden-family connected scandals?<\/p>\n<p>This was award winning journalist John Solomon\u2019s reply.<\/p>\n<p>\u201c<span style=\"color: #800000;\"><strong>Well, they&#8217;ve <\/strong><\/span>[much of mainstream media] <strong><span style=\"color: #800000;\">been AWOL for five or six years\u2026 let&#8217;s be honest about it\u2026I think\u00a0<\/span><\/strong><span style=\"color: #800000;\"><strong>we grew up an entire new generation of journalists and have become causal journalists. They don&#8217;t look at the facts\u2026<\/strong><\/span> [They] <strong>t<span style=\"color: #800000;\">ry to come up with the story and then fit the facts into it\u2026It is a phenomenon that deeply troubles me. I was attacked, relentlessly smeared after a 30 year stellar career. We&#8217;re having won almost every journalism<\/span><\/strong> [award]\u2026<span style=\"color: #800000;\"><strong>you can think of<\/strong>.<\/span> [I] <span style=\"color: #800000;\"><strong>was smeared relentlessly for\u2026reporting on Hunter, Biden, and Burisma. Every fact that i reported not only has stood the test of time it&#8217;s been confirmed by lawsuits and revelations and the information on this<\/strong><\/span>. [Much of] <span style=\"color: #800000;\"><strong>American media have decided not one question<\/strong><\/span>.\u201d<\/p>\n<p>There is not much hubris or hyperbole in Solomon&#8217;s statement.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/08\/TheseLargeConglomerateCompaniesDecideOnTheirownandForTheirOwnPurposesTheNewsWeSeeandHearDanRatherQuoteFormerCBSNewsPhotoTwitterDailyBusinessNewsMHProNews.jpg\" \/><\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/08\/DeepaKumarQuoteGiantMediaCorpLikeTimWarnerandNewsCoprDisneySoForthTheyGetToDecidWhatIsNews.jpg\" alt=\"\" width=\"600\" height=\"281\" \/><figcaption class=\"wp-caption-text\"><i>Deepa Kumar quote from from the thought-provoking video documentary, Shadows of Liberty. The Dan Rather quote above is from the same award-winning documentary. Among the topics explored were how corporate scandals were covered up by major media. Also how major media &#8211; left and right &#8211; &#8216;sold&#8217; the public on invading Iraq over claims of weapons of mass destruction that were never found. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>Dr. Wright, referenced above, shed light on that in a discussion on modern media where she said the follow.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/06\/IfYoureOnlyWatchingCNN-OnlyGetHalfStoryOrIfOnlyWatchingFoxOnlyGetHalfStoryQuoteDrChrysalisWrightPhDPhotoPsychologistDirectorMediaUniversityCentralFL-MHProNews.jpg\" \/><\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/06\/QuoteCantCallEverythingFakeNewsBecauseInformationDoesntAlignYourViewsDoesntViewDisagreeDoesntMeanInfoFakeFalseChrysalisWrightPhotoMHProNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><figcaption class=\"wp-caption-text\"><i> A common problem &#8211; one that propagandists and con artists are well aware of &#8211; is confirmation bias. People tend to stay in the lane that they know and &#8216;trust.&#8217; That said, there are indications that more Americans are waking up to the manipulation of major media and the power of big tech over information and news. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>Voices from the mainstream media, often from the political left, have called out the attempts to muzzle or sideline the truth because it is inconvenient.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/06\/TheFakeNewsAboundsThereAreProblemsWithTruthTheseDaysQuoteDavidWrightPhotoABCNewsLogoMHProNewsFakeNewsQuote.jpg\" \/><\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/07\/FreeExchangeInformationIdeasLifebloodLiberalSocietyDailyBecomingMoreConstrictedJKRowlingGloriaSteinemNoamChomskyPhotosQuoteableQuoteHarpersLetterJusticeFreeSpeechMHProNews.jpg\" alt=\"\" width=\"600\" height=\"715\" \/><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/the-way-to-defeat-bad-ideas-is-by-exposure-argument-and-persuasion-not-by-trying-to-silence-or-wish-them-away-jk-rowling-gloria-steinem-noam-chomsky-150-others-decry-censorship-in\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/the-way-to-defeat-bad-ideas-is-by-exposure-argument-and-persuasion-not-by-trying-to-silence-or-wish-them-away-jk-rowling-gloria-steinem-noam-chomsky-150-others-decry-censorship-in\/ <\/i><\/a><\/figcaption><\/figure>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/07\/TheWayDefeatBadIdeasByExposureArgumentPersuasionNotTryingSilenceWishThemAwayJKRowlingGloriaSteinemNoamChomsky150OthersPhotoCollageQuoteableQuoteHarpersLetterJusticeFreeSpeechMHProNews.jpg\" alt=\"\" width=\"600\" height=\"715\" \/><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/the-way-to-defeat-bad-ideas-is-by-exposure-argument-and-persuasion-not-by-trying-to-silence-or-wish-them-away-jk-rowling-gloria-steinem-noam-chomsky-150-others-decry-censorship-in\/\" target=\"_blank\" rel=\"noopener\"><i>https:\/\/www.manufacturedhomepronews.com\/the-way-to-defeat-bad-ideas-is-by-exposure-argument-and-persuasion-not-by-trying-to-silence-or-wish-them-away-jk-rowling-gloria-steinem-noam-chomsky-150-others-decry-censorship-in\/<\/i><\/a><\/figcaption><\/figure>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/08\/QuoteInOurSchoolsNewsRoomsBoardRoomsFarLeftFascismDemandsAllegenceIfYouDontPerformItsRitualsSpeakItsLanguageYouWillBeCensoredPresidentTrumpMtRushmorePhotoMHProNewsQuoteableQuote.jpg\" \/><\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/07\/LeftWingCulturalRevolutionOverthrowAmericanRevolutionDestroyCivilizationRescuedBillionsPovertyArrestRiotersProsecuteOffendersDonaldTrumpMountRushmorePhotoQuote7.3.2020.jpg\" \/><\/p>\n<figure style=\"width: 591px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/12\/GlennGreenwaldPicQuoteAuthoritarismTechMonopoliesBigCorpMediaWallStretIntelligenceCommunityQuotableQuoteMHProNews.jpg\" alt=\"\" width=\"591\" height=\"409\" \/><figcaption class=\"wp-caption-text\"><i> Greenwald is from the political left. He is hardly a Trump fan. That noted, in his effort to be objective, Greenwald lays out the case why the threat is from the alliance of leftist billionaires, their corporate interests, in alignment with government power. Naomi Wolf and Robert F. Kennedy Jr. have made similar observations. <\/i><\/figcaption><\/figure>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/threat-of-authoritarianism-in-u-s-very-real-has-nothing-to-do-with-trump-glenn-greenwald-liberal-reporter-warns-americans-about-big-corporate-deep-state-biden-power-grab\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2020\/12\/ThreatAuthoritarianismU.S.RealNothingToDoWithTrumpQuoteGlennGreenwaldPhotoLiberalReporterWarnsAmericansAboutBigCorporateDeepStateBidenPowerGrabMHProNews-.jpg\" alt=\"\" width=\"600\" height=\"314\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/threat-of-authoritarianism-in-u-s-very-real-has-nothing-to-do-with-trump-glenn-greenwald-liberal-reporter-warns-americans-about-big-corporate-deep-state-biden-power-grab\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/threat-of-authoritarianism-in-u-s-very-real-has-nothing-to-do-with-trump-glenn-greenwald-liberal-reporter-warns-americans-about-big-corporate-deep-state-biden-power-grab\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>When someone wonders why our industry could be suffering such low levels of sales during an affordable housing crisis, several factors are involved. Access to competitive financing is one of them, and that is the focus of this report. Certainly zoning\/placement, mentioned in passing above, is another one. But a third element is the what Edelman aptly called an Infodemic. More appropriately perhaps was Danny Glover\u2019s repeatedly referenced by this publication\u2019s statement that there is a monopoly on information and capital access.<\/p>\n<p>Glover is not only a well-known actor. He has also sat for some time on one of the Buffett nonprofit boards. He has doubtlessly seen up close the impact of information, entertainment, and capital access in the process of the steady monopolizing of the U.S.A.<\/p>\n<p>That such monopolization is occurring is hardly debatable. Joe Biden has spoken of the threat himself, though he argument is posturing too. But if Biden meant what he said, then DTS and more would be a reality on chattel lending. Instead, it is likely to be largely an illusion that will routinely benefit Biden backers. It may not be a shock of the FHFA nudged the GSEs into a few tweaks on their announced plan. But tweaks aren&#8217;t what is needed. It is a robust implementation of the law that is required.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/capitalism-without-competition-isnt-capitalism-joe-biden-information-dominance-paltering-sleeping-giant-awakens-plus-sunday-weekly-headlines-review\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/07\/CapitalismWithoutCompetitionIsntCapitalismJoeBidenPicQuoteInformantionDominancePalteringSleepingGiantAwakensPlusSundayWeeklyHeadlinesReviewMHProNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomepronews.com\/capitalism-without-competition-isnt-capitalism-joe-biden-information-dominance-paltering-sleeping-giant-awakens-plus-sunday-weekly-headlines-review\/\" target=\"_blank\" rel=\"noopener\"> https:\/\/www.manufacturedhomepronews.com\/capitalism-without-competition-isnt-capitalism-joe-biden-information-dominance-paltering-sleeping-giant-awakens-plus-sunday-weekly-headlines-review\/<\/a> <\/i><\/figcaption><\/figure>\n<p><figure id=\"attachment_19498\" aria-describedby=\"caption-attachment-19498\" style=\"width: 608px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MikeLeeWHFlaggingMisinformationLooksLikeFirstAmendmentViolation.png\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-19498\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MikeLeeWHFlaggingMisinformationLooksLikeFirstAmendmentViolation.png\" alt=\"MikeLeeWHFlaggingMisinformationLooksLikeFirstAmendmentViolation\" width=\"608\" height=\"517\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MikeLeeWHFlaggingMisinformationLooksLikeFirstAmendmentViolation.png 1668w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MikeLeeWHFlaggingMisinformationLooksLikeFirstAmendmentViolation-506x430.png 506w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MikeLeeWHFlaggingMisinformationLooksLikeFirstAmendmentViolation-904x768.png 904w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MikeLeeWHFlaggingMisinformationLooksLikeFirstAmendmentViolation-150x127.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MikeLeeWHFlaggingMisinformationLooksLikeFirstAmendmentViolation-768x652.png 768w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MikeLeeWHFlaggingMisinformationLooksLikeFirstAmendmentViolation-1536x1305.png 1536w\" sizes=\"(max-width: 608px) 100vw, 608px\" \/><\/a><figcaption id=\"caption-attachment-19498\" class=\"wp-caption-text\"><i> This is just one of several &#8216;in your face&#8217; current examples of blatant government overreach. The Biden regime can&#8217;t have it both ways. They can&#8217;t claim to be working to reign in big tech when they are admitting to work with Big Tech to censor information that they do not like. Per right-of-center Breitbart: \u201c[L<span style=\"color: #800000;\"><strong>]ook, the government can\u2019t censor speech. The First Amendment makes that very clear<\/strong><\/span>,\u201d Senator Lee outlined on Fox News Channel\u2019s \u201cAmerica\u2019s Newsroom.\u201d \u201c<span style=\"color: #800000;\"><strong>A private, for-profit corporation can make its own decisions, but when it\u2019s doing that in collusion with government, it starts to look to me an awful lot like a First Amendment violation. In any event, what we\u2019ve seen is social media platforms and search engines on occasion \u2014 on many, many occasions of late \u2014 promising to be even-handed, portraying themselves to their users and to the public as even-handed when they are anything but that. And the American people aren\u2019t going to tolerate that much longer<\/strong><\/span>.\u201d<\/i><\/figcaption><\/figure>Indeed, some members of both major parties have been talking about the threat of monopolization &#8211; and weaponized information &#8211; with growing intensity in the last \u2013 as Solomon put it \u2013 5 or 6 years.<\/p>\n<p>There is a quilt-work of issues that interconnect that have brought manufactured housing to its current low point. Our industry is hardly alone on this pattern of monopolization. That said, as a manufactured home industry trade publication, we need to look at the big picture as well as the more industry specific ways that big picture is playing out.<\/p>\n<p>While it is true that the manufactured home industry has \u2018recovered\u2019 from its 2009 and 2010 bottom, it is perhaps operating at only 30 percent of its prior high. Without looking carefully into these issues \u2013 finance, the history of who said and did what, and the manipulation or ignoring of various laws \u2013 it is simply not possible to truly understand the current state of the industry.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_18232\" aria-describedby=\"caption-attachment-18232\" style=\"width: 623px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/07\/HUDCodeManufacturedHousingIndustryProductionShipmentTotalsByYear1995to2019MHProNewsLogoGraphicMasthead.png\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-18232 size-full\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/07\/HUDCodeManufacturedHousingIndustryProductionShipmentTotalsByYear1995to2019MHProNewsLogoGraphicMasthead.png\" alt=\"\" width=\"623\" height=\"655\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/07\/HUDCodeManufacturedHousingIndustryProductionShipmentTotalsByYear1995to2019MHProNewsLogoGraphicMasthead.png 623w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/07\/HUDCodeManufacturedHousingIndustryProductionShipmentTotalsByYear1995to2019MHProNewsLogoGraphicMasthead-409x430.png 409w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/07\/HUDCodeManufacturedHousingIndustryProductionShipmentTotalsByYear1995to2019MHProNewsLogoGraphicMasthead-143x150.png 143w\" sizes=\"(max-width: 623px) 100vw, 623px\" \/><\/a><figcaption id=\"caption-attachment-18232\" class=\"wp-caption-text\"><i> Without a complete picture, the issues impacting manufactured housing cannot be successfully addressed. Good doctors do careful examinations. They run tests. Only once the underlying issues are understood do they begin to recommend a course of treatment for an ailment. A similar set of principles needs to be operating in manufactured housing. Because a range of voices that sound off on DTS have an agenda, those sometimes obscured motivations must be understood. The wheat must be separated from the chaff. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>It is not always easy to get someone to read a longer article once, much less twice or three times. But experience has shown that absent such an effort &#8211; when sound factual and evidence-based information are available \u2013 truly understanding what has and is occurring in affordable housing and manufactured housing more specifically will prove to be elusive. Indeed, many do not want to know what has gone wrong. Because some believe that they are benefiting from the status quo.<\/p>\n<p>Nevertheless, this is why Attkisson\u2019s adage of \u201c<span style=\"color: #800000;\"><strong>check your facts<\/strong><\/span>\u201d and \u201c<span style=\"color: #800000;\"><strong>follow the money<\/strong><\/span>\u201d trail make so much sense. Cui bono? Who benefits? That has been any serious investigator\u2019s question for seeking and finding the truth of a topic. When paltering and spin are often used, sorting out facts from mere spin is necessary.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_16834\" aria-describedby=\"caption-attachment-16834\" style=\"width: 613px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ScholasticCororatonFigure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-16834\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ScholasticCororatonFigure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews.jpg\" alt=\"ScholasticCororatonFigure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews\" width=\"613\" height=\"247\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ScholasticCororatonFigure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews.jpg 861w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ScholasticCororatonFigure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews-150x60.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ScholasticCororatonFigure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews-575x232.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ScholasticCororatonFigure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews-768x310.jpg 768w\" sizes=\"(max-width: 613px) 100vw, 613px\" \/><\/a><figcaption id=\"caption-attachment-16834\" class=\"wp-caption-text\"><i>This graphic above is from research performed by Scholastica &#8216;Gay&#8217; Cororaton, CBE, for the National Association of Realtors (NAR) and published in their Realtor University trade journal. It reflects the percentage of housing starts in the yellow line. Along with actually shipments, this is an objective barometer for MHI effectiveness, and thus their claims of promoting the industry. But it is also a reflection of periods of credit contraction. There were no doubt excesses in the 1990s that credit debacle that impacted manufactured housing. At the same time, the conventional housing debacle was far worse in terms of costs and impacts.\u00a0 Credit returned to conventional housing. Why hasn&#8217;t it been similarly robustly extended to manufactured home shoppers &#8211; so long as it is done in a sustainable and safe fashion as the law requires.<\/i><\/figcaption><\/figure>\n<figure id=\"attachment_18965\" aria-describedby=\"caption-attachment-18965\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/pimple-on-an-elephants-ass-shell-game-l-a-tony-kovach-manufactured-housing-institute-manufactured-housing-assoc-for-regulatory-refo\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-18965\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/PimpleOnElephantsAssShellGameLATonyKovachManufacturedHousingInstituteManufacturedHousingAssocRegulatoryReformSpeakEnterpriseHousingGoalsFHFAListeningSessionMHProNewsMAST.png\" alt=\"PimpleOnElephantsAssShellGameLATonyKovachManufacturedHousingInstituteManufacturedHousingAssocRegulatoryReformSpeakEnterpriseHousingGoalsFHFAListeningSessionMHProNewsMAST\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/PimpleOnElephantsAssShellGameLATonyKovachManufacturedHousingInstituteManufacturedHousingAssocRegulatoryReformSpeakEnterpriseHousingGoalsFHFAListeningSessionMHProNewsMAST.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/PimpleOnElephantsAssShellGameLATonyKovachManufacturedHousingInstituteManufacturedHousingAssocRegulatoryReformSpeakEnterpriseHousingGoalsFHFAListeningSessionMHProNewsMAST-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/03\/PimpleOnElephantsAssShellGameLATonyKovachManufacturedHousingInstituteManufacturedHousingAssocRegulatoryReformSpeakEnterpriseHousingGoalsFHFAListeningSessionMHProNewsMAST-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-18965\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/pimple-on-an-elephants-ass-shell-game-l-a-tony-kovach-manufactured-housing-institute-manufactured-housing-assoc-for-regulatory-refo\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/masthead\/pimple-on-an-elephants-ass-shell-game-l-a-tony-kovach-manufactured-housing-institute-manufactured-housing-assoc-for-regulatory-refo\/ <\/i><\/a><\/figcaption><\/figure>\n<p>The reality is that the lack of clarity and accuracy in reporting by most on this subject is a contributing factor to the status quo. If the truth was widely known and well understood, then the stubborn way the FHFA, GSEs, and their beneficiaries would not have been able to get away with ignoring and twisting the law for so long.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-16822\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring.jpg\" alt=\"CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring\" width=\"588\" height=\"285\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring.jpg 598w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring-150x73.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring-575x279.jpg 575w\" sizes=\"(max-width: 588px) 100vw, 588px\" \/><\/a><\/p>\n<figure id=\"attachment_17387\" aria-describedby=\"caption-attachment-17387\" style=\"width: 606px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/08\/ScholasticaGayCororatonMonthlyCostOwnRentManufacturedHomesApartmentsOtherHousingMastheadManufacturedHousingProNewsLATonyKovach.png\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-17387\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/08\/ScholasticaGayCororatonMonthlyCostOwnRentManufacturedHomesApartmentsOtherHousingMastheadManufacturedHousingProNewsLATonyKovach.png\" alt=\"ScholasticaGayCororatonMonthlyCostOwnRentManufacturedHomesApartmentsOtherHousingMastheadManufacturedHousingProNewsLATonyKovach\" width=\"606\" height=\"375\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/08\/ScholasticaGayCororatonMonthlyCostOwnRentManufacturedHomesApartmentsOtherHousingMastheadManufacturedHousingProNewsLATonyKovach.png 777w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/08\/ScholasticaGayCororatonMonthlyCostOwnRentManufacturedHomesApartmentsOtherHousingMastheadManufacturedHousingProNewsLATonyKovach-150x93.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/08\/ScholasticaGayCororatonMonthlyCostOwnRentManufacturedHomesApartmentsOtherHousingMastheadManufacturedHousingProNewsLATonyKovach-575x356.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/08\/ScholasticaGayCororatonMonthlyCostOwnRentManufacturedHomesApartmentsOtherHousingMastheadManufacturedHousingProNewsLATonyKovach-768x475.png 768w\" sizes=\"(max-width: 606px) 100vw, 606px\" \/><\/a><figcaption id=\"caption-attachment-17387\" class=\"wp-caption-text\"><i> The evidence reflects that most renters could be making the payments on a mainstream HUD Code manufactured home. See Cororaton&#8217;s research and numerous other third party studies at this link here. <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/ultimate-reporters-researchers-affordable-housing-advocates-or-shoppers-3rd-party-research-reports-on-mobile-homes-manufactured-homes-and-modular-housing\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.manufacturedhomelivingnews.com\/ultimate-reporters-researchers-affordable-housing-advocates-or-shoppers-3rd-party-research-reports-on-mobile-homes-manufactured-homes-and-modular-housing\/<\/a><\/i><\/figcaption><\/figure>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/01\/BenCarsonUnitedStatesDeptHousingUrbanDevelopmentHUDManufacturedHomesPriceAppreciationWealthBuildingRenters5000Owners200000Masthead.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-17770\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/01\/BenCarsonUnitedStatesDeptHousingUrbanDevelopmentHUDManufacturedHomesPriceAppreciationWealthBuildingRenters5000Owners200000Masthead.png\" alt=\"BenCarsonUnitedStatesDeptHousingUrbanDevelopmentHUDManufacturedHomesPriceAppreciationWealthBuildingRenters5000Owners200000Masthead\" width=\"610\" height=\"584\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/01\/BenCarsonUnitedStatesDeptHousingUrbanDevelopmentHUDManufacturedHomesPriceAppreciationWealthBuildingRenters5000Owners200000Masthead.png 763w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/01\/BenCarsonUnitedStatesDeptHousingUrbanDevelopmentHUDManufacturedHomesPriceAppreciationWealthBuildingRenters5000Owners200000Masthead-449x430.png 449w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/01\/BenCarsonUnitedStatesDeptHousingUrbanDevelopmentHUDManufacturedHomesPriceAppreciationWealthBuildingRenters5000Owners200000Masthead-150x144.png 150w\" sizes=\"(max-width: 610px) 100vw, 610px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Just as disinformation artists continue to spin and palter, truth tellers must do the same. Those who are sincere about giving those with lower incomes or who otherwise want more affordable housing have to get granular in order to see what becomes almost self-evident with several readings of such reports.<\/p>\n<p>There are levels of understanding and knowledge. ADKAR describes that process. Tim Connor&#8217;s 4 levels of learning does too.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/06\/Adkar_AwarenessUnderstandingIntegrationMasteryTimConnorBarryNoffsingerDailyBusinessNewsMHProNews.jpg\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Without a sound understanding of the truth of these issues their proper resolution will be illusory. Some want that Infodemic. It is only those who sincerely want to benefit the greatest number of Americans from all walks of life that will be willing to probe, consider, and the read and re-read these topics until the bright light of truth is shining. Only the truth and good will can set the captives free. ##<\/p>\n<p>&nbsp;<\/p>\n<p>[cp_popup display=&#8221;inline&#8221; style_id=&#8221;139941&#8243; step_id = &#8220;1&#8221;][\/cp_popup]<\/p>\n<p><strong>Notice to MHI members<\/strong>. Follow up emails to several MHI linked attorneys &#8211; not one disputed the claim by the law firm cited in the report below. MHI has <a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/tangled-web-deception-and-misdirection-havenpark-capital-havenpark-communities-fannie-mae-manufactured-housing-institute-displaced-inc-mhaction-w\/\" target=\"_blank\" rel=\"noopener\">demonstrably created an &#8216;amen corner,&#8217; an echo chamber that parrots their talking points<\/a>. MHI and those involved have not denied that evidence-based allegation. But as, or perhaps more important, is this below.\u00a0 For those MHI members who are aware of what is occurring, but who fail to stand up or speak up in some form or fashion, legal experts say that it could make those members vulnerable to legal action, just as MHI is. To learn more, see the related report linked below.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/05\/ActionableManufacturedHousingInstituteLogoParadoxSurpriseAdmissionInvolvingHUDSecMarciaFudgeSenatorsScottSinemaSundayManufacturedHomeHeadlinesReviewMHProNewsLogo.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/actionable-manufactured-housing-institute-paradoxically-surprising-written-admission-involving-hud-secretary-marcia-fudge-senators-scott-and-sinema-plus-sunday-manufactured-home-pro-weekly-headli\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/actionable-manufactured-housing-institute-paradoxically-surprising-written-admission-involving-hud-secretary-marcia-fudge-senators-scott-and-sinema-plus-sunday-manufactured-home-pro-weekly-headli\/<\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_150293\" aria-describedby=\"caption-attachment-150293\" style=\"width: 362px\" class=\"wp-caption aligncenter\"><a href=\"mailto:iReportMHNewsTips@mhmsm.com\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-150293\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/iReportNewsTipsCommentsSendMastheadManufacturedHomeProNews.png\" alt=\"iReportNewsTipsCommentsSendMastheadManufacturedHomeProNews\" width=\"362\" height=\"211\" \/><\/a><figcaption id=\"caption-attachment-150293\" class=\"wp-caption-text\"><strong><i>We recommend that news tips NOT use company, nonprofit, or organizational emails or cell phones. <span style=\"color: #ff0000;\">To report a news tip<\/span>, click the image above or send an email to <a href=\"mailto:iReportMHNewsTips@mhmsm.com\" target=\"_blank\" rel=\"noopener noreferrer\">iReportMHNewsTips@mhmsm.com<\/a> \u2013 To help us spot your message in our volume of email, please put the words <span style=\"color: #ff0000;\">NEWS TIP<\/span> or <span style=\"color: #0000ff;\">COMMENTS<\/span> in the subject line.<\/i><\/strong><\/figcaption><\/figure>\n<figure id=\"attachment_19144\" aria-describedby=\"caption-attachment-19144\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/cfpb-gives-new-evidence-of-predatory-iron-triangle-sabotaging-monopoly-racist-case-against-warren-buffett-led-berkshire-hathaway\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-19144 size-full\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/BidenWhiteHousePicSaysHousingCentralRacialEquityHomeownershipMeansWealthBuildingNewCFPB-HUD-GSERevelationsNatlHousingConfMHI21stClaytonHomesVanderbiltManufacturedHomeProNews.png\" alt=\"BidenWhiteHousePicSaysHousingCentralRacialEquityHomeownershipMeansWealthBuildingNewCFPB-HUD-GSERevelationsNatlHousingConfMHI21stClaytonHomesVanderbiltManufacturedHomeProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/BidenWhiteHousePicSaysHousingCentralRacialEquityHomeownershipMeansWealthBuildingNewCFPB-HUD-GSERevelationsNatlHousingConfMHI21stClaytonHomesVanderbiltManufacturedHomeProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/BidenWhiteHousePicSaysHousingCentralRacialEquityHomeownershipMeansWealthBuildingNewCFPB-HUD-GSERevelationsNatlHousingConfMHI21stClaytonHomesVanderbiltManufacturedHomeProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/BidenWhiteHousePicSaysHousingCentralRacialEquityHomeownershipMeansWealthBuildingNewCFPB-HUD-GSERevelationsNatlHousingConfMHI21stClaytonHomesVanderbiltManufacturedHomeProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19144\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/cfpb-gives-new-evidence-of-predatory-iron-triangle-sabotaging-monopoly-racist-case-against-warren-buffett-led-berkshire-hathaway\/\" target=\"_blank\" rel=\"noopener\">\u00a0<i> https:\/\/www.manufacturedhomepronews.com\/masthead\/cfpb-gives-new-evidence-of-predatory-iron-triangle-sabotaging-monopoly-racist-case-against-warren-buffett-led-berkshire-hathaway\/<\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_19313\" aria-describedby=\"caption-attachment-19313\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MarcusMillichapIncLogoManufacturedHomeCommunityPicMMIFactsTrendsOutlookStateOfManufacturedHomeCommunities2021ManufacturedHousingInsiderFactCheckAnalysisMastMHproNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19313\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MarcusMillichapIncLogoManufacturedHomeCommunityPicMMIFactsTrendsOutlookStateOfManufacturedHomeCommunities2021ManufacturedHousingInsiderFactCheckAnalysisMastMHproNews.png\" alt=\"MarcusMillichapIncLogoManufacturedHomeCommunityPicMMIFactsTrendsOutlookStateOfManufacturedHomeCommunities2021ManufacturedHousingInsiderFactCheckAnalysisMastMHproNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MarcusMillichapIncLogoManufacturedHomeCommunityPicMMIFactsTrendsOutlookStateOfManufacturedHomeCommunities2021ManufacturedHousingInsiderFactCheckAnalysisMastMHproNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MarcusMillichapIncLogoManufacturedHomeCommunityPicMMIFactsTrendsOutlookStateOfManufacturedHomeCommunities2021ManufacturedHousingInsiderFactCheckAnalysisMastMHproNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/07\/MarcusMillichapIncLogoManufacturedHomeCommunityPicMMIFactsTrendsOutlookStateOfManufacturedHomeCommunities2021ManufacturedHousingInsiderFactCheckAnalysisMastMHproNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19313\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/mmi-facts-trends-and-outlook-state-of-manufactured-home-communities-2021-manufactured-housing-insider-fact-check-analysis\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/masthead\/mmi-facts-trends-and-outlook-state-of-manufactured-home-communities-2021-manufactured-housing-insider-fact-check-analysis\/<\/i><\/a><\/figcaption><\/figure>\n<blockquote class=\"wp-embedded-content\" data-secret=\"hy7WQ2SFZm\"><p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/tangled-web-deception-and-misdirection-havenpark-capital-havenpark-communities-fannie-mae-manufactured-housing-institute-displaced-inc-mhaction-w\/\">&#8220;Tangled Web&#8221; \u201cDeception and Misdirection\u201d &#8211; Havenpark Capital-Havenpark Communities, Fannie Mae, Manufactured Housing Institute \u201cDisplaced Inc\u201d \u2013 MHAction, Warren Buffett, Embarrassing MHIndustry Blogger Fact Check<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;&#8220;Tangled Web&#8221; \u201cDeception and Misdirection\u201d &#8211; Havenpark Capital-Havenpark Communities, Fannie Mae, Manufactured Housing Institute \u201cDisplaced Inc\u201d \u2013 MHAction, Warren Buffett, Embarrassing MHIndustry Blogger Fact Check&#8221; &#8212; Masthead L. A. &#039;Tony&#039; Kovach\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/tangled-web-deception-and-misdirection-havenpark-capital-havenpark-communities-fannie-mae-manufactured-housing-institute-displaced-inc-mhaction-w\/embed\/#?secret=m06RrnEDFh#?secret=hy7WQ2SFZm\" data-secret=\"hy7WQ2SFZm\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<figure id=\"attachment_19155\" aria-describedby=\"caption-attachment-19155\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/cavcos-boor-affordable-housing-facts-fiction-p-e-p-manufactured-housing-institute-claims-democratic-republican-political-history-with-mhi-examined-plus-manufactured-home-investi\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19155\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/WmBoorCavcoGaryShiffmanSunLesliGoochMHIDickJennison.png\" alt=\"WmBoorCavcoGaryShiffmanSunLesliGoochMHIDickJennison\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/WmBoorCavcoGaryShiffmanSunLesliGoochMHIDickJennison.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/WmBoorCavcoGaryShiffmanSunLesliGoochMHIDickJennison-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/WmBoorCavcoGaryShiffmanSunLesliGoochMHIDickJennison-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19155\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/cavcos-boor-affordable-housing-facts-fiction-p-e-p-manufactured-housing-institute-claims-democratic-republican-political-history-with-mhi-examined-plus-manufactured-home-investi\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/cavcos-boor-affordable-housing-facts-fiction-p-e-p-manufactured-housing-institute-claims-democratic-republican-political-history-with-mhi-examined-plus-manufactured-home-investi\/ <\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_19191\" aria-describedby=\"caption-attachment-19191\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/dems-provide-revealing-clayton-info-kevin-clayton-ceo-clayton-homes-federal-testimony-yields-apparent-agreements-with-mharr-concurs-with-manufactured-housing-institute-berkshire-hathaway-fhfa-and\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19191\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/DemsProvideClaytonInfoKevinClaytonCeoClaytonHomesTestimonyAgreementsWithMHARRconcursManufacturedHousingInstituteBerkshireHathawayFHFAHUDlogosCriticsMHProNews.png\" alt=\"DemsProvideClaytonInfoKevinClaytonCeoClaytonHomesTestimonyAgreementsWithMHARRconcursManufacturedHousingInstituteBerkshireHathawayFHFAHUDlogosCriticsMHProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/DemsProvideClaytonInfoKevinClaytonCeoClaytonHomesTestimonyAgreementsWithMHARRconcursManufacturedHousingInstituteBerkshireHathawayFHFAHUDlogosCriticsMHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/DemsProvideClaytonInfoKevinClaytonCeoClaytonHomesTestimonyAgreementsWithMHARRconcursManufacturedHousingInstituteBerkshireHathawayFHFAHUDlogosCriticsMHProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/DemsProvideClaytonInfoKevinClaytonCeoClaytonHomesTestimonyAgreementsWithMHARRconcursManufacturedHousingInstituteBerkshireHathawayFHFAHUDlogosCriticsMHProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19191\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/dems-provide-revealing-clayton-info-kevin-clayton-ceo-clayton-homes-federal-testimony-yields-apparent-agreements-with-mharr-concurs-with-manufactured-housing-institute-berkshire-hathaway-fhfa-and\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/masthead\/dems-provide-revealing-clayton-info-kevin-clayton-ceo-clayton-homes-federal-testimony-yields-apparent-agreements-with-mharr-concurs-with-manufactured-housing-institute-berkshire-hathaway-fhfa-and\/<\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 16px;\">The evidence routinely points one way. No wonder why MHI, their major brands, and even their outside attorneys all went silent when it comes to engaging with <em>MHProNews<\/em> on these troubling trends and growing evidence.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_19125\" aria-describedby=\"caption-attachment-19125\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/cfpb-gives-new-evidence-of-predatory-iron-triangle-sabotaging-monopoly-racist-case-against-warren-buffett-led-berkshire-hathaway\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19125\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/CFPBNewEvidenceCaseVsWarrenBuffettRacistPredatoryIronTriangleSabotagingMonopolyBerkshireHathawayClaytonHomes21stMortVanderbiltFinManufacturedHousingInstituteLogosMHProNews.png\" alt=\"CFPBNewEvidenceCaseVsWarrenBuffettRacistPredatoryIronTriangleSabotagingMonopolyBerkshireHathawayClaytonHomes21stMortVanderbiltFinManufacturedHousingInstituteLogosMHProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/CFPBNewEvidenceCaseVsWarrenBuffettRacistPredatoryIronTriangleSabotagingMonopolyBerkshireHathawayClaytonHomes21stMortVanderbiltFinManufacturedHousingInstituteLogosMHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/CFPBNewEvidenceCaseVsWarrenBuffettRacistPredatoryIronTriangleSabotagingMonopolyBerkshireHathawayClaytonHomes21stMortVanderbiltFinManufacturedHousingInstituteLogosMHProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/CFPBNewEvidenceCaseVsWarrenBuffettRacistPredatoryIronTriangleSabotagingMonopolyBerkshireHathawayClaytonHomes21stMortVanderbiltFinManufacturedHousingInstituteLogosMHProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19125\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/cfpb-gives-new-evidence-of-predatory-iron-triangle-sabotaging-monopoly-racist-case-against-warren-buffett-led-berkshire-hathaway\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/masthead\/cfpb-gives-new-evidence-of-predatory-iron-triangle-sabotaging-monopoly-racist-case-against-warren-buffett-led-berkshire-hathaway\/<\/i><\/a><\/figcaption><\/figure>\n<p><span style=\"font-size: 16px;\">Stay tuned for more of what is &#8216;behind the curtains&#8217; as well as what is obvious and in your face reports. It is all here, at the runaway largest and most-read source for authentic manufactured home \u201c<span style=\"color: #800000;\"><b>News through the lens of manufactured homes and factory-built housing<\/b><\/span><\/span><span style=\"font-size: 16px;\">\u201d \u00a9 where \u201c<\/span><span style=\"color: #800000;\"><strong>We Provide, You Decide<\/strong><\/span><span style=\"font-size: 16px;\">.\u201d \u00a9 ## (Affordable housing, manufactured homes, reports, fact-checks, analysis, and commentary. <\/span><a style=\"font-size: 16px; background-color: #ffffff;\" href=\"https:\/\/www.manufacturedhomepronews.com\/lanham-act-monopolistic-housing-institute-err-manufactured-housing-institute-legal-bullies-and-you\/\" target=\"_blank\" rel=\"noopener noreferrer\">Third-party images or content are provided under fair use guidelines for media<\/a><span style=\"font-size: 16px;\">.) <\/span><span style=\"margin: 0px; line-height: 107%; font-family: 'Tahoma'; font-size: 10pt;\"><span style=\"color: #000000;\"><span style=\"margin: 0px; font-family: 'Tahoma'; font-size: 10pt;\">(<\/span><strong>See <span style=\"color: #ff0000;\">Related Reports<\/span>, further below<\/strong>. Text\/image boxes often are hot-linked to other reports that can be access by clicking on them.)<\/span><\/span><\/p>\n<figure id=\"attachment_150114\" aria-describedby=\"caption-attachment-150114\" style=\"width: 368px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/brutal-truths-former-democrat-la-mayor-villaraigosa-hud-secretary-carson-affordable-housing-crisis-d-c-insider-reveals-vexing-manufactured-home-reality\/congrepalgreendesktamaskovachlatonykovachphoto12-3-2019manufacturedhomepronews\/\" rel=\"attachment wp-att-150114\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-150114\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/CongRepAlGreenDeskTamasKovachLATonyKovachPhoto12.3.2019ManufacturedHomeProNews-575x430.jpg\" alt=\"CongRepAlGreenDeskTamasKovachLATonyKovachPhoto12.3.2019ManufacturedHomeProNews\" width=\"368\" height=\"275\" \/><\/a><figcaption id=\"caption-attachment-150114\" class=\"wp-caption-text\"><i> All on Capitol Hill were welcoming and interested with the discussion of manufactured housing related issues on our 12.3.2019 meetings. But Texas Congressman Al Green&#8217;s office was tremendous in their hospitality. Our son&#8217;s hand is on a package that included the Constitution of the United States and other goodies. MHProNews has worked with people and politicos across the left-right divide.<\/i><\/figcaption><\/figure>\n<p>By <a href=\"http:\/\/latonykovach.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">L.A. &#8220;Tony&#8221; Kovach<\/a> &#8211; for <em>MHProNews<\/em>.com.<\/p>\n<p><em>Tony earned a journalism scholarship and earned numerous awards in history and in manufactured housing. <\/em><\/p>\n<p><em>For example, he <\/em><em>earned the prestigious <\/em><em>Lottinville Award in history from the University of Oklahoma, where he studied history and business management. <\/em>He&#8217;s a managing member and co-founder of LifeStyle Factory Homes, LLC, the parent company to <em>MHProNews,<\/em> and <a href=\"http:\/\/MHLivingNews.com\" target=\"_blank\" rel=\"noopener noreferrer\"><em>MHLivingNews.com<\/em><\/a>.<\/p>\n<p><em>This article reflects the LLC&#8217;s and\/or the writer&#8217;s position, and may or may not reflect the views of sponsors or supporters.<\/em><\/p>\n<p><a href=\"http:\/\/latonykovach.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #ff0000;\"><strong>http:\/\/latonykovach.com <\/strong><\/span><\/a><\/p>\n<p align=\"LEFT\"><span style=\"font-family: Tahoma,sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\"><span lang=\"en-US\">Connect on <\/span><\/span><span style=\"color: #000000;\"><span lang=\"en-US\"><b>LinkedIn<\/b><\/span><\/span><span style=\"color: #000000;\"><span lang=\"en-US\">: <\/span><\/span><\/span><\/span><span style=\"color: #1155cc;\"><span style=\"font-family: Helvetica,sans-serif;\"><span style=\"font-size: small;\"><u><a href=\"http:\/\/www.linkedin.com\/in\/latonykovach\" target=\"_blank\" rel=\"noopener noreferrer\"><span lang=\"en-US\">http:\/\/www.linkedin.com\/in\/latonykovach<\/span><\/a><\/u><\/span><\/span><\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span style=\"color: #0000ff;\"><strong>Related References<\/strong><\/span>:<\/h3>\n<p>The text\/image boxes below are linked to other reports, which can be accessed by clicking on them.<\/p>\n<figure id=\"attachment_19093\" aria-describedby=\"caption-attachment-19093\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/june-is-national-homeownership-month-nar-nahb-p-e-p-and-manufactured-housing-institute-factual-evidence-based-curious-eye-opening-comparisons\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-19093\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/JuneNationalHomeOwnershipMonthNtlAssocRealtorsNAHBManufacturedHousingInstituteLogoManHousingPAClogoMHProNewsLogoJunNtlHomeOwnershipMoManHousingInstFactEvidenceCompare.png\" alt=\"JuneNationalHomeOwnershipMonthNtlAssocRealtorsNAHBManufacturedHousingInstituteLogoManHousingPAClogoMHProNewsLogoJunNtlHomeOwnershipMoManHousingInstFactEvidenceCompare\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/JuneNationalHomeOwnershipMonthNtlAssocRealtorsNAHBManufacturedHousingInstituteLogoManHousingPAClogoMHProNewsLogoJunNtlHomeOwnershipMoManHousingInstFactEvidenceCompare.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/JuneNationalHomeOwnershipMonthNtlAssocRealtorsNAHBManufacturedHousingInstituteLogoManHousingPAClogoMHProNewsLogoJunNtlHomeOwnershipMoManHousingInstFactEvidenceCompare-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/06\/JuneNationalHomeOwnershipMonthNtlAssocRealtorsNAHBManufacturedHousingInstituteLogoManHousingPAClogoMHProNewsLogoJunNtlHomeOwnershipMoManHousingInstFactEvidenceCompare-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-19093\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/june-is-national-homeownership-month-nar-nahb-p-e-p-and-manufactured-housing-institute-factual-evidence-based-curious-eye-opening-comparisons\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/masthead\/june-is-national-homeownership-month-nar-nahb-p-e-p-and-manufactured-housing-institute-factual-evidence-based-curious-eye-opening-comparisons\/ <\/i><\/a><\/figcaption><\/figure>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/updated-mobile-homes-manufactured-homes-conventional-housing-comparisons-data-and-infographics-2021-third-party-researched-facts-from-trailers-to-affordable-modern-manufactured-housing\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/06\/UpdatedMobileHomesManufacturedHomesCompareConventionalHousingInfographicsData2021ThirdPartyResearchedFactsTrailerstoAffordableModernManufacturedHomes.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/updated-mobile-homes-manufactured-homes-conventional-housing-comparisons-data-and-infographics-2021-third-party-researched-facts-from-trailers-to-affordable-modern-manufactured-housing\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomelivingnews.com\/updated-mobile-homes-manufactured-homes-conventional-housing-comparisons-data-and-infographics-2021-third-party-researched-facts-from-trailers-to-affordable-modern-manufactured-housing\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_18320\" aria-describedby=\"caption-attachment-18320\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/we-are-a-cancer-and-there-is-no-cure-msnbc-producer-ariana-pekary-quits-rips-them-flawed-news-industry-practices-by-left-right-media-names-fox-news\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-18320\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/08\/WeAreCancerThereIsNoCureQuoteMSNBCProducerArianaPekaryPhotoBariWeissPhotoQuitsRipsThemFlawedNewsIndustryPracticesLeftRightMediaNamesFoxNewsLogosMHProNewsLogo.png\" alt=\"WeAreCancerThereIsNoCureQuoteMSNBCProducerArianaPekaryPhotoBariWeissPhotoQuitsRipsThemFlawedNewsIndustryPracticesLeftRightMediaNamesFoxNewsLogosMHProNewsLogo\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/08\/WeAreCancerThereIsNoCureQuoteMSNBCProducerArianaPekaryPhotoBariWeissPhotoQuitsRipsThemFlawedNewsIndustryPracticesLeftRightMediaNamesFoxNewsLogosMHProNewsLogo.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/08\/WeAreCancerThereIsNoCureQuoteMSNBCProducerArianaPekaryPhotoBariWeissPhotoQuitsRipsThemFlawedNewsIndustryPracticesLeftRightMediaNamesFoxNewsLogosMHProNewsLogo-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2020\/08\/WeAreCancerThereIsNoCureQuoteMSNBCProducerArianaPekaryPhotoBariWeissPhotoQuitsRipsThemFlawedNewsIndustryPracticesLeftRightMediaNamesFoxNewsLogosMHProNewsLogo-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-18320\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/we-are-a-cancer-and-there-is-no-cure-msnbc-producer-ariana-pekary-quits-rips-them-flawed-news-industry-practices-by-left-right-media-names-fox-news\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/masthead\/we-are-a-cancer-and-there-is-no-cure-msnbc-producer-ariana-pekary-quits-rips-them-flawed-news-industry-practices-by-left-right-media-names-fox-news\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_164020\" aria-describedby=\"caption-attachment-164020\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/dominating-manufactured-housings-top-50-2020-year-in-review-by-manufactured-home-professionals-news-analysis\/\" target=\"_blank\" rel=\"attachment noopener wp-att-164020\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-164020\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/01\/DominatingManufacturedHousingTop502020YearReviewManufacturedHomeProfessionalsNewsAnalysisMHProNews.jpg\" alt=\"DominatingManufacturedHousingTop502020YearReviewManufacturedHomeProfessionalsNewsAnalysisMHProNews\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-164020\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/dominating-manufactured-housings-top-50-2020-year-in-review-by-manufactured-home-professionals-news-analysis\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/dominating-manufactured-housings-top-50-2020-year-in-review-by-manufactured-home-professionals-news-analysis\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Preface. Based on several surveys, there is a perception held by tens of millions &#8211; including from media personalities such as investigative journalist John Solomon &#8211; that \u2018news\u2019 has become a largely partisan, corporate, or other agenda-driven exercise. That is not to say that all \u2018news\u2019 is \u2018fake news,\u2019 as psychologist and Director of Media &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/texas-real-estate-center-its-real-crossmods-manufactured-housing-institute-mhi-finance-comments-texas-manufactured-housing-association-tmha-news-analysis\/\"> <span class=\"screen-reader-text\">Texas Real Estate Center &#8211; \u201cIt\u2019s Real\u201d CrossMods, Manufactured Housing Institute (MHI) Finance Comments, Texas Manufactured Housing Association (TMHA) \u2013 News-Analysis<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":19474,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[5073],"tags":[],"class_list":["post-19463","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-analysis"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Texas Real Estate Center - \u201cIt\u2019s Real\u201d CrossMods - Manufactured Housing Institute (MHI) Finance Comments, Texas Manufactured Housing Association (TMHA) \u2013 News-Analysis<\/title>\n<meta name=\"description\" content=\"Texas Real Estate Center - \u201cIt\u2019s Real\u201d CrossMods - Manufactured Housing Institute (MHI) Finance Comments, Texas Manufactured Housing Association (TMHA) \u2013 News-Analysis\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/texas-real-estate-center-its-real-crossmods-manufactured-housing-institute-mhi-finance-comments-texas-manufactured-housing-association-tmha-news-analysis\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Texas Real Estate Center - \u201cIt\u2019s Real\u201d CrossMods - Manufactured Housing Institute (MHI) Finance Comments, Texas Manufactured Housing Association (TMHA) \u2013 News-Analysis\" \/>\n<meta property=\"og:description\" content=\"Texas Real Estate Center - \u201cIt\u2019s Real\u201d CrossMods - Manufactured Housing Institute (MHI) Finance Comments, Texas Manufactured Housing Association (TMHA) \u2013 News-Analysis\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/texas-real-estate-center-its-real-crossmods-manufactured-housing-institute-mhi-finance-comments-texas-manufactured-housing-association-tmha-news-analysis\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. 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