{"id":20324,"date":"2022-01-23T05:30:44","date_gmt":"2022-01-23T11:30:44","guid":{"rendered":"https:\/\/www.manufacturedhomepronews.com\/masthead\/?p=20324"},"modified":"2022-01-23T05:30:44","modified_gmt":"2022-01-23T11:30:44","slug":"where-is-the-equity-for-manufactured-homes-and-consumers-of-affordable-housing-unpacking-manufactured-housing-association-for-regulatory-reform-ceo-mark","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/where-is-the-equity-for-manufactured-homes-and-consumers-of-affordable-housing-unpacking-manufactured-housing-association-for-regulatory-reform-ceo-mark\/","title":{"rendered":"\u201cWhere is the \u2018Equity\u2019 for Manufactured Homes and Consumers of Affordable Housing?\u201d \u2013 Unpacking Manufactured Housing Association for Regulatory Reform CEO Mark Weiss \u201cIssues and Perspectives\u201d"},"content":{"rendered":"<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/WhereIsEquityForManufacturedHomesConsumersOfAffordableHousingUnpackingManufacturedHousingAssociationForRegulatoryReformLOGO-CEOMarkWeissIssuesPerspectivesMastMHProNews.png\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-20334\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/WhereIsEquityForManufacturedHomesConsumersOfAffordableHousingUnpackingManufacturedHousingAssociationForRegulatoryReformLOGO-CEOMarkWeissIssuesPerspectivesMastMHProNews.png\" alt=\"WhereIsEquityForManufacturedHomesConsumersOfAffordableHousingUnpackingManufacturedHousingAssociationForRegulatoryReformLOGO-CEOMarkWeissIssuesPerspectivesMastMHProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/WhereIsEquityForManufacturedHomesConsumersOfAffordableHousingUnpackingManufacturedHousingAssociationForRegulatoryReformLOGO-CEOMarkWeissIssuesPerspectivesMastMHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/WhereIsEquityForManufacturedHomesConsumersOfAffordableHousingUnpackingManufacturedHousingAssociationForRegulatoryReformLOGO-CEOMarkWeissIssuesPerspectivesMastMHProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/WhereIsEquityForManufacturedHomesConsumersOfAffordableHousingUnpackingManufacturedHousingAssociationForRegulatoryReformLOGO-CEOMarkWeissIssuesPerspectivesMastMHProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>Mark Weiss, J.D., President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR) provided this advanced copy of a report they will release to their mailing list on 1.24.2022. It is part of Weiss\u2019 \u201cIssues and Perspectives\u201d series and is on the topic of \u201cWhere is the \u2018Equity\u2019 for Manufactured Homes and Consumers Of Affordable Housing?\u201d This will be followed by some related information, <em>MHProNews<\/em> analysis and commentary in brief.<\/p><div id=\"manuf-1982041853\" 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 style=\"text-align: center;\"><strong>MHARR \u2013 ISSUES AND PERSPECTIVES<\/strong><\/p>\n<p style=\"text-align: center;\"><strong>\u00a0<\/strong><strong>BY MARK WEISS\u00a0<\/strong><\/p>\n<p style=\"text-align: center;\"><strong>\u00a0<\/strong><strong>JANUARY 2022<\/strong><\/p>\n<p style=\"text-align: center;\"><strong>\u201cWHERE IS THE \u2018EQUITY\u2019 FOR MANUFACTURED HOMES AND\u00a0<\/strong><strong>CONSUMERS OF AFFORDABLE HOUSING?\u201d<\/strong><\/p>\n<p>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 The Biden Administration, this month, marks its first full year in office. As one of his initial steps, President Biden announced that the concept of \u201cequity\u201d \u2013 economic equity and, most especially, racial equity \u2013 would be a bedrock foundation for his Administration\u2019s policies and programs. In Executive Order 13985 (\u201cAdvancing Racial Equity and Support for Underserved Communities Through the Federal Government\u201d), issued on January 20, 2021, \u201cequity\u201d is defined as \u201cthe consistent and systematic <u>fair, just and impartial treatment<\/u> of all individuals, including individuals who belong to underserved communities that have been denied such treatment \u2026 persons who live in rural areas; and persons otherwise adversely affected by persistent poverty or inequality.\u201d (Emphasis added). That such \u201cequity\u201d principles, under the Biden Administration, can and <u>do<\/u> apply to <u>all<\/u> aspects of housing, is made clear by a follow-up presidential memorandum issued just days later, on January 26, 2021. That document states, in part: \u201cracial inequality still permeates land-use patterns \u2026 <u>and virtually all aspects of the housing markets<\/u>.\u201d (Emphasis added). As a result, the memorandum directs federal agencies to \u201celiminate racial bias and other forms of discrimination in <u>all stages<\/u> of home-buying and renting \u2026 and secure <u>equal access<\/u> to housing opportunity for all.\u201d (Emphasis added).<\/p>\n<p>A key issue for the HUD Code industry following a full year of the Biden Administration, then, is where do manufactured homes and manufactured housing consumers stand with respect to the concept of \u201cequity\u201d and the application of \u201cequity\u201d principles? The short and unacceptable answer (for now), is \u201cnowhere.\u201d Sadly, and despite two outstanding laws that <u>should<\/u> have ended structural <u>discrimination<\/u> against manufactured homes, manufactured homebuyers and manufactured homeowners years ago, the Administration\u2019s \u201cequity\u201d policies have yet to be applied by federal agencies and Biden Administration officials within the manufactured housing market. The result is not only an <u>absence<\/u> of \u201cequity\u201d for those affected, but a continuing severe shortage in the supply and availability of affordable housing and, more specifically, affordable manufactured housing, accessible to Americans of \u201call\u201d races at \u201call\u201d income levels, in direct violation of President Biden\u2019s stated policies and objectives.<\/p>\n<p>How and where, then, do equity principles need to be applied to benefit Americans seeking (and needing) access to affordable manufactured housing that is comprehensively regulated by the federal government? As industry members and consumers of affordable housing are all too aware, despite modest signs of recovery, the manufactured housing market has been suppressed far below historic production levels for well over a decade and continues to lag behind the broader single-family housing market, which has seen substantial growth in recent years. As MHARR has repeatedly emphasized, the <em>primary<\/em> reasons for this utilization and growth gap between manufactured housing and other types of single-family housing, are both rooted in the <u>continuing failure of the industry\u2019s post-production sector<\/u>. Those factors, as confirmed by a 2018 Urban Institute study authored by former HUD Principal Deputy Assistant Secretary Edward Golding and newly-installed Ginnie Mae President Alanna McCargo, are: (1) continuing and ongoing <u>discrimination<\/u> against manufactured housing consumers at the federal level with respect to <u>home purchase financing<\/u>; and (2) continuing and ongoing <u>discrimination<\/u> against manufactured housing homeowners with respect to <u>zoning and home placement<\/u>.<\/p>\n<p>Interestingly, the conclusions of these housing experts &#8212; Mr. Golding and Ms. McCargo &#8212; correspond with, and (again) confirm, initial MHARR research and analysis for its upcoming White Paper seeking answers and solutions relating to the exploitation of federal housing funding and assistance for purely public relations purposes by ostensible representatives of the industry\u2019s post-production sector. This White Paper will provide long-needed answers as to why so many federal housing programs which nominally include HUD Code manufactured housing by name, are rarely if ever funded and used to support and promote manufactured housing in the field. More on this, though, when the final White Paper is completed and published soon.<\/p>\n<p>For present purposes, the factors cited by Mr. Golding and Ms. McCargo \u2013 actually, policy failures \u2013 have worked to exclude <u>millions<\/u> of lower and moderate-income Americans, including large minority populations, from not only the manufactured housing market, but from homeownership altogether, as mainstream manufactured housing continues to be the nation\u2019s most affordable source of non-subsidized housing and home ownership. And while both of these matters fall <u>squarely<\/u> within the scope of President Biden\u2019s \u201cequity\u201d agenda pertaining to housing and the housing markets, there has been, thus far, no meaningful improvement or change in direction regarding <u>either<\/u> at the federal level.<\/p>\n<p>Focusing first on the application of equity principles within the manufactured home consumer financing market (zoning discrimination and equity will be addressed in a future column as well as in MHARR\u2019s detailed White Paper), the failure to infuse equity considerations and policies within the implementation of the Duty to Serve Underserved Markets (DTS) provision of the Housing and Economic Recovery Act of 2008 (HERA) is a <u>major<\/u> policy failure that continues to harm minorities and lower-income populations within the manufactured housing market, as confirmed by the most recent data and analysis published by the Consumer Financial Protection Bureau (CFPB).<\/p>\n<p>DTS, of course, directs Fannie Mae and Freddie Mac to provide securitization and a secondary market support for certain historically underserved markets, including HUD Code manufactured housing and the personal property\/chattel loans which finance the vast bulk of manufactured housing purchases. If fully implemented on a market-significant basis, DTS would result in lower interest rates on manufactured home consumer loans. By securitizing and providing a secondary market for those loans, Fannie Mae and Freddie Mac would lower the degree of risk borne by loan originators and holders, and simultaneously draw new lenders into the manufactured housing consumer finance market. Lower risk coupled with increased competition would invariably lead to lower interest rates than are charged today. This, in itself, would result in a greater number of qualified and approved borrowers, a larger number of manufactured home loans actually made, and a greater number of manufactured homes sold and available to address the nation\u2019s affordable housing crisis.<\/p>\n<p>Conversely, in the <u>absence<\/u> of DTS-based market-significant securitization and secondary market support for manufactured housing consumer loans \u2013 and the absence of <u>any<\/u> DTS support <u>whatsoever<\/u> for the personal property loans that comprise nearly 80% of the manufactured housing purchase financing market \u2013 manufactured homebuyers in general and <u>minority-group manufactured homebuyers<\/u> in particular, are harmed in multiple ways as corroborated by CFPB data and analysis.<\/p>\n<ul>\n<li>First, the absence of broad securitization and secondary market support within the manufactured home consumer lending sector needlessly limits the number of lenders operating within that sector, rendering the entire sector less competitive with respect to interest rates than would be the case in a fully-competitive market.<\/li>\n<\/ul>\n<p>This is confirmed by a May 2021 CFPB report specifically documenting the concentration of manufactured home consumer lending within a very small number of market-dominant lenders.\u00a0 The report thus notes that the two most dominant manufactured housing lenders, \u201c21<sup>st<\/sup> Mortgage and Vanderbilt [Mortgage Corporation] \u2026 both subsidiaries of Clayton Homes,\u201d control a \u201ccombined 30 percent of the manufactured housing market, including <u>56 percent<\/u> of chattel lending\u2026.\u201d (Emphasis added).<\/p>\n<ul>\n<li>Second, higher-than-necessary interest rates for manufactured home purchase loans in the absence of DTS support and a less-than-fully-competitive lending market, particularly within the personal property\/chattel sector, needlessly <u>exclude<\/u> significant numbers of borrowers who might otherwise qualify for purchase \u00a0financing if interest rates and corresponding monthly payments were lower.<\/li>\n<\/ul>\n<p>This is again confirmed by the May 2021 CFPB report, which shows that only a small \u201cminority (27 percent) of consumers who applied for a loan to buy a manufactured home succeeded in obtaining financing.\u201d By contrast, \u201can estimated <u>42 percent of all manufactured home purchase applications were denied<\/u>, including <u>50 percent of chattel applications<\/u>\u2026.\u201d (Emphasis added). This compares with a denial rate of \u201conly 7 percent\u201d for site-built home purchase loan applications.<\/p>\n<ul>\n<li>Third, such market exclusion and higher interest rates, particularly for HUD Code personal property loans, <u>disproportionately<\/u> impact and harm <u>minority purchasers<\/u>.<\/li>\n<\/ul>\n<p>The May 2021 CFPB report specifically states that: \u201cHispanic white, Black and African American, and American Indian and Alaska Native borrowers make up larger shares of chattel loan borrowers than \u2026 among site-built loan borrowers\u201d and that \u201cBlack and African American borrowers are \u2026 over-represented in chattel lending\u2026.\u201d Combining this with the other datapoints and conclusions noted above, the CFPB analysis <u>proves<\/u> that African Americans and other minorities, under existing Fannie Mae and Freddie Mac policies concerning the implementation of DTS (as approved thus far by the Federal Housing Finance Agency-FHFA), are \u2013 and continue to be &#8212; <u>disproportionately harmed<\/u>.<\/p>\n<p>Nor is this harm confined to the policies of FHFA, Fannie Mae and Freddie Mac with regard to private loans. In addition to DTS, federal law \u2013 <u>i.e.<\/u>, the Title I Federal Housing Administration (FHA) manufactured home loan program &#8212; mandates federal government support for manufactured home personal property loans. Years ago, this program supported the origination of tens-of-thousands of manufactured home purchase loans \u2013 securitized by the Government National Mortgage Association (Ginnie Mae) \u2013 annually. In 2010, though, Ginnie Mae adopted its egregious \u201c10-10\u201d rule regarding qualifications for Title I lenders, and the bottom fell out of Title I originations which, today, are virtually non-existent. Effectively, then, there is <u>no<\/u> federal government support for manufactured home lending \u2013 either public <u>or<\/u> private \u2013 leaving potential homebuyers with virtually nowhere to go except the market-dominant higher-rate lenders, <u>if<\/u> they can qualify for <u>any<\/u> loan at all.<\/p>\n<p>Ultimately, then, the failure of FHFA, Fannie Mae and Freddie Mac to implement DTS with respect to manufactured housing chattel loans, together with the parallel failure of FHA and Ginnie Mae to fully implement the Title I manufactured housing program, has allowed an economically-distorted, less-than-fully-competitive, systemically-discriminatory structure within the manufactured housing personal property lending market &#8212; with identifiable and quantifiable adverse impacts on racial minorities and other disadvantaged Americans &#8212; to remain in place, with no real effort, <u>thus far<\/u>, from the Biden Administration (assuming it is even aware of these issues due to the ongoing deficient representation of the post-production sector in Washington, D.C.) to remedy that failure through the application of equity principles and concepts.<\/p>\n<p>There may be reason for hope going forward, given the recent elevation of Sandra Thompson and Alanna McCargo to serve as the Director of FHFA and President of Ginnie Mae respectively. MHARR has had \u2013 and continues to have &#8212; a positive dialogue with Ms. Thompson regarding the need for chattel loan DTS support. When Ms. Thompson served as FHFA Assistant Director, she spent a significant time meeting with MHARR and MHARR member manufacturers to understand the damage to the industry and consumers resulting from Fannie Mae and Freddie Mac\u2019s failure to provide robust, market significant securitization and secondary market support under DTS for manufactured home consumer loans. And, as previously noted, Ms. McCargo <u>is on record<\/u> as acknowledging the destructive impact of financing discrimination on the availability of affordable, non-subsidized manufactured housing. Perhaps such leaders, with <u>specific previous knowledge<\/u> of the manufactured housing industry and effective pressure from the industry, can produce real change.<\/p>\n<p>As the old saying goes, however, \u201chope\u201d is not a strategy. The industry faces serious challenges within its post-production sector. Nothing will change, though, unless and until the industry decides that <em>it<\/em> is serious about <u>change<\/u> \u2013 and that ultimately means aggressive, <u>independent<\/u> national representation for the post-production sector in Washington, D.C. in order to correct these (and other) deficiencies that have harmed both the industry and American consumers of affordable housing.\u00a0 ##<\/p>\n<p>Mark Weiss<\/p>\n<p><em>\u00a0<\/em><em>MHARR is a Washington, D.C.-based national trade association representing the views and interests of independent producers of federally-regulated manufactured housing.<\/em><\/p>\n<p style=\"text-align: center;\"><em>###<\/em><\/p>\n<p><em>\u00a0<\/em><strong>Additional Information, More MHProNews Analysis and Commentary <\/strong><\/p>\n<p>No article is entirely compete &#8211; ours or anyone else\u2019s &#8211; for several reasons. One is the time\/length\/benefit equation. A 2000-word article, such as Weiss\u2019, can and does cover a lot of ground. He referenced by implication the Manufactured Housing Improvement Act of 2000 (MHIA and\/or 2000 Reform Law), without explicitly identifying it and the so-called \u201cenhanced preemption\u201d provision in it. That said, compared to the Manufactured Housing Institute (MHI), MHARR is head and shoulders ahead of MHI in its use of the terminology on their own website and in other writing too.<\/p>\n<p>This visual evidence snapshots and related quotes tells that tale.<\/p>\n<p>On this date (1.23.2022) there are 16 specific articles that uses the phrase \u2013 \u201cenhanced preemption\u201d \u2013 on the MHARR website, per the MHARR website search tool.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 595px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/05\/ManufacturedHousingAssociationRegulatoryReformMHARREnhancedPreemptionDailyBusinessNewsMHProNews.jpg\" alt=\"This search on the topic of enhanced preemption on this date yields 2 pages of results on the MHARR website. \" width=\"595\" height=\"701\" \/><figcaption class=\"wp-caption-text\"><i> This search on the topic of enhanced preemption on this date yields 2 pages of results on the MHARR website. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>By contrast, the MHI website &#8211; backed by a staff and budget that is many times that of MHARR \u2013 has NO, zero, zip, nada &#8211; mention of the phrase \u201cenhanced preemption.\u201d This despite the fact that MHI has been online perhaps 4+ times longer than MHARR.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_20326\" aria-describedby=\"caption-attachment-20326\" style=\"width: 605px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/EnhancedPreemptionManufacturedHousingInstituteLogoMHProNewsFactCheck1.22.2022.png\"><img decoding=\"async\" class=\"wp-image-20326\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/EnhancedPreemptionManufacturedHousingInstituteLogoMHProNewsFactCheck1.22.2022.png\" alt=\"EnhancedPreemptionManufacturedHousingInstituteLogoMHProNewsFactCheck1.22.2022\" width=\"605\" height=\"286\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/EnhancedPreemptionManufacturedHousingInstituteLogoMHProNewsFactCheck1.22.2022.png 1867w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/EnhancedPreemptionManufacturedHousingInstituteLogoMHProNewsFactCheck1.22.2022-575x272.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/EnhancedPreemptionManufacturedHousingInstituteLogoMHProNewsFactCheck1.22.2022-1024x485.png 1024w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/EnhancedPreemptionManufacturedHousingInstituteLogoMHProNewsFactCheck1.22.2022-150x71.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/EnhancedPreemptionManufacturedHousingInstituteLogoMHProNewsFactCheck1.22.2022-768x364.png 768w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/EnhancedPreemptionManufacturedHousingInstituteLogoMHProNewsFactCheck1.22.2022-1536x727.png 1536w\" sizes=\"(max-width: 605px) 100vw, 605px\" \/><\/a><figcaption id=\"caption-attachment-20326\" class=\"wp-caption-text\"><i> MHProNews has performed fact checks like this one on the MHI website in recent years. MHI hired an outside attorney to monitor our website, per that attorney. Additionally, MHI has staff and members that are routine readers of MHProNews. They have been directly asked to comment on several reports. It is not plausible, therefore, that they are unaware of such fact checks. See a prior one shown below. NOTICE: this image can be expanded to a larger size in several browsers or devices. Click the image and follow the prompts. To return to this post, you may need to use your browser&#8217;s back button or your escape key.\u00a0<\/i><\/figcaption><\/figure>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/ManufacturedHousingInstituteEnhancedPreemptionSearch2019-12-12_1023ManufacturedHomeProNews.png\" width=\"597\" height=\"204\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/03\/ManufacturedHousingInstituteWebsiteGoogleSearch3.9.2021EnhancedPreemptionMHProNewsFactCheck.png\" width=\"589\" height=\"252\" \/><\/p>\n<p>Indeed, the case can be made that MHARR launched their website due to what Weiss alluded to about MHI\u2019s lack of delivery on issues they claim to support: \u201crooted in the <u>continuing failure of the industry\u2019s post-production sector<\/u>.\u201d As a side note, the MHARR website will turn 5 in a few months.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Perhaps out of politeness or for the sake of length, etc., Weiss doesn\u2019t mention Lesli Gooch\u2019s missive on equity and manufactured housing which <em>MHProNews<\/em> What Gooch hasn\u2019t said is that when she and MHI were asked to weigh in on the issues of black Rev. Ivory Mewborn, Mayor Pro-Tem of Ayden, N.C., MHI didn\u2019t even bother to respond. By contrast, MHARR\u2019s Mark Weiss \u2013 on an issue that is a post-production, not a production related issue \u2013 confirmed for Ayden officials the concerns raised by this writer on behalf of Mewborn and the Taft family. Restated, Weiss acted. Gooch and MHI postured, and per local sources, didn\u2019t act. Weiss cites the CFPB and Clayton Homes, which MHProNews and MHLivingNews unpacked in reports such as the one<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\"> linked here<\/a>. Racial equity was part of our platforms&#8217; analysis then too.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/advancing-racial-equity-through-manufactured-housing-lesli-gooch-manufactured-housing-institute-ceos-impressive-op-ed-manufactured-housing-institutes-nati\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/04\/AdvancingRacialEquityThroughManufacturedHousingLesliGoochPICManufacturedHousingInstituteCEOImpressiveOpEdManufacturedHousingInstituteLOGONationalMortgageNewsLOGOAnalysisMHProNewsLOGO.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/advancing-racial-equity-through-manufactured-housing-lesli-gooch-manufactured-housing-institute-ceos-impressive-op-ed-manufactured-housing-institutes-nati\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/advancing-racial-equity-through-manufactured-housing-lesli-gooch-manufactured-housing-institute-ceos-impressive-op-ed-manufactured-housing-institutes-nati\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>While MHI is sending out two or three sentence length on a given MHI \u2018news and updates\u2019 topic \u2013 vs. far longer pitches for MHI profit centers (meetings, etc.) \u2013 MHARR provides in depth reports to anyone that signs up for their emails. MHARR also makes republishing their content reasonably easy. Not so MHI. Those facts and evidence speak volumes.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/unpacking-marcel-schwantes-inc-on-breaking-the-habits-no-longer-serving-you-credits-buffett-the-chains-of-habit-are-too-light-to-be-felt-until-they\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2022\/01\/UnpackingMarcelSchwantes-IncBreakingTheHabitsNoLongerServingYouCreditsBuffettTheChainsOfHabitAreTooLightToBeFeltUntilTheyAreTooHeavyToBeBrokenPlusMHMarketUpdatesMHProNewsQuote.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomepronews.com\/unpacking-marcel-schwantes-inc-on-breaking-the-habits-no-longer-serving-you-credits-buffett-the-chains-of-habit-are-too-light-to-be-felt-until-they\/\" target=\"_blank\" rel=\"noopener\"> https:\/\/www.manufacturedhomepronews.com\/unpacking-marcel-schwantes-inc-on-breaking-the-habits-no-longer-serving-you-credits-buffett-the-chains-of-habit-are-too-light-to-be-felt-until-they\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>There are several additional examples possible. Certainly, the issues raised by Samuel \u201cSam\u201d Strommen at Knudson Law should be mentioned. Or the fact that numbers of publicly traded firms in manufactured housing \u2013 which are often MHI members \u2013 openly state in investor relations presentations that their goal is to \u201cconsolidate\u201d a \u201cfragmented\u201d manufactured home industry through \u201cmergers and acquisitions.\u201d An exception to this is MHI member Legacy Housing. But generally, others have been quite clear in words and deeds. So, how then does someone explain the notion that MHI postures efforts at growth, but has failed to accomplish their own stated goals for some 13+ to 21+ years? When someone looks at the MHI board of directors, it often has some of those very consolidating firms on it. Ironically, MHI\u2019s new chairman \u2013 Leo Poggione \u2013 is a retailer who has been partially acquired by Cavco Industries. The balance of his Craftsman Homes business is per the SEC website scheduled to become Cavco\u2019s in the coming years. Logically, if the industry was growing in a robust fashion, would \u2018consolidation\u2019 of a growing industry be as easily accomplished and as such a relatively low price as when the industry is underperforming? Underperformance, in other words, benefits consolidators. The day may come when they take their collective foot of the break peddle slowing manufactured housing down. Or, given Clayton\u2019s and Berkshire Hathaway\u2019s apparent stakes in conventional housing, they might leave the HUD Code entirely behind in favor of modular, 3D printing, or something else in the way of prefab\/\u201doff-site built homes.\u201d They could pivot in a range of possible directions, when it suits them. The links below provide the evidence for those concerns. Nor has Berkshire, Clayton, MHI, or others in the mix denied such claims when asked.<\/li>\n<\/ul>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/wall-street-journal-media-reveal-warren-buffetts-modular-building-move-modular-not-manufactured-housing-berkshire-mitek-danny-forster-dfa-plan-ohio-mha-backstory-deploy-r\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/09\/MiTekRealDeal-WSJournalDannyForsterArchBerkshireLogoBuffettModularBuildingPrefabNotManufacturedHousingOhioManHomeBackstoryDeployReverseMoatMHProNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/wall-street-journal-media-reveal-warren-buffetts-modular-building-move-modular-not-manufactured-housing-berkshire-mitek-danny-forster-dfa-plan-ohio-mha-backstory-deploy-r\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/wall-street-journal-media-reveal-warren-buffetts-modular-building-move-modular-not-manufactured-housing-berkshire-mitek-danny-forster-dfa-plan-ohio-mha-backstory-deploy-r\/ <\/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\/08\/MonopolisticHousingInstMonopolisticHousingInstituteParodyLogoClaytonHomesCavcoIndustriesSkylineChampionLOGOsBASEgraphicStrommenKnudsonQuoteMHIrelationshipGSE-HUDAbjectFailureQuote.jpg\" alt=\"\" width=\"600\" height=\"760\" \/><figcaption class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/strommen-felony-conspiracy-case-monopolization-of-affordable-manufactured-housing-and-manufactured-home-communities-rube-goldberg-machine-of-human-suff\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.manufacturedhomelivingnews.com\/strommen-felony-conspiracy-case-monopolization-of-affordable-manufactured-housing-and-manufactured-home-communities-rube-goldberg-machine-of-human-suff\/<\/a> 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\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/02\/MachineHumanSufferingBerkshireClaytonLOGOManufacturedHousingInstRonOlsonLawrenceCunninghamJohnGreinerResponseMTOGWUGraydonLawLogosAllegationsFelonyAbusesKnudsonLawReportStrommen-1.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/machine-of-human-suffering-berkshire-hathaways-clayton-homes-manufactured-housing-institute-attorneys-response-to-allegations-felony-abuses-knudson-law\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomelivingnews.com\/machine-of-human-suffering-berkshire-hathaways-clayton-homes-manufactured-housing-institute-attorneys-response-to-allegations-felony-abuses-knudson-law\/ <\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_20329\" aria-describedby=\"caption-attachment-20329\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/business-and-sales-meeting-2022-affordable-housing-and-manufactured-housing-reality-checks-shadows-reflections-inspirations-musings-from-industry-news-tips-and-views-pros-can\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-20329\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/BusinessSalesMeeting2022AffordableHousingManufacturedHousingRealityChecksShadowsReflectionsInspirationsMusingsIndustryNewsTipsAndViewsProsCanUse\u00a9MHProNews.png\" alt=\"BusinessSalesMeeting2022AffordableHousingManufacturedHousingRealityChecksShadowsReflectionsInspirationsMusings\u201cIndustryNewsTipsAndViewsProsCanUse\u00a9MHProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/BusinessSalesMeeting2022AffordableHousingManufacturedHousingRealityChecksShadowsReflectionsInspirationsMusingsIndustryNewsTipsAndViewsProsCanUse\u00a9MHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/BusinessSalesMeeting2022AffordableHousingManufacturedHousingRealityChecksShadowsReflectionsInspirationsMusingsIndustryNewsTipsAndViewsProsCanUse\u00a9MHProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2022\/01\/BusinessSalesMeeting2022AffordableHousingManufacturedHousingRealityChecksShadowsReflectionsInspirationsMusingsIndustryNewsTipsAndViewsProsCanUse\u00a9MHProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-20329\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/business-and-sales-meeting-2022-affordable-housing-and-manufactured-housing-reality-checks-shadows-reflections-inspirations-musings-from-industry-news-tips-and-views-pros-can\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/business-and-sales-meeting-2022-affordable-housing-and-manufactured-housing-reality-checks-shadows-reflections-inspirations-musings-from-industry-news-tips-and-views-pros-can\/<\/i><\/a><\/figcaption><\/figure>\n<p>England has announced they are rescinding several of the mandates that have been in effect. The \u2018pandemic\u2019 is possibly shifting to the \u2018endemic\u2019 stage, more like the common flu. Meaning, the population simply accepts it as part of everyday life and will live with it.\u00a0 America, along with other nations, has witnessed during the perhaps fading COVID19 pandemic a sharp rise in the wealth and clout of big brands and leading billionaires. It is often the same groups that are profiting that have clear corporate and\/or financial ties with major media and big tech companies. That need not be conspiratorial in the ordinary sense. It can be as simple as fellow travelers who happen to think alike, a point raised by former Secretary of the Interior, James Watt. But regardless if it is happenstance or a sly scheme hatched years ago, as some allege, the effect could be what is being witnessed.<\/p>\n<p>The U.S. Chamber of Commerce went through its own cathartic phase when smaller businesses recognized that \u201cthe Chamber\u201d was being dominated by the larger ones. Ex-Chamber executive Dr. Richard Rahn, Ph.D., has said as much. The National Federation of Independent Business (NFIB), the Jobs Creators Network (JCN) and others exist as counterweights to the U.S. Chamber. MHARR \u2013 a production focused trade groups &#8211; exists as a counterweight to MHI. MHARR has for well over a decade been calling on the ever-shrinking numbers of post-production independents to forge a new post-production trade group.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/corrupt-nonprofits-biden-dem-plans-institute-for-global-economic-growth-chairman-richard-w-rahn-rages-against-federal-policies-war-on-small-business-harm-to-w\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/05\/InstituteGlobalEconomicGrowthCatoLogosNewsmaxRichardRahnPicFmrEconomistUSChamberCorruptNonprofitsBidenDemPlansRahnRagesAgainstPoliciesWarSmallBizMHproNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><i>&#8220;<span style=\"color: #ff0000;\"><strong>There is nothing so useless as doing efficiently that which should not be done at all<\/strong>.<\/span>&#8221; &#8211; Peter Drucker. <\/i> <em>&#8220;<span style=\"color: #800000;\"><strong>Some lessons<\/strong><\/span> [from COVID lockdowns]<span style=\"color: #800000;\"> <strong>are already clear. Small businesses should open despite executive orders (which are not laws) to stay closed \u2014 then challenge the authorities in court<\/strong><\/span>. &#8221; From Rahn&#8217;s &#8220;<span style=\"color: #800000;\"><strong>Politicians use COVID-19 war to destroy small businesses<\/strong><\/span>&#8221; in 6.8.2020, several new 2021 insights from Rahn follow. <a href=\"https:\/\/www.manufacturedhomepronews.com\/corrupt-nonprofits-biden-dem-plans-institute-for-global-economic-growth-chairman-richard-w-rahn-rages-against-federal-policies-war-on-small-business-harm-to-w\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.manufacturedhomepronews.com\/corrupt-nonprofits-biden-dem-plans-institute-for-global-economic-growth-chairman-richard-w-rahn-rages-against-federal-policies-war-on-small-business-harm-to-w\/<\/a><\/em><\/figcaption><\/figure>\n<p>What is coming in their White Paper is not yet known. But MHARR\u2019s in depth studies on topics such as the DOE energy rule and in favor of a post-production trade group have been deeply considered reflections of reality. In the wake of their post-production report, the National Association of Manufactured Housing Community Owners (NAMHCO) came into being. While it was arguably neutralized in part by NAMHCO hiring an ex-MHI VP and then inexplicably (to some) partnering with MHI after ripping them is not inconsequential but is best seen as an effort by MHI to keep such a group from gaining traction. NAMHCO validates the concept and provides lessons of what not to do. That\u2019s not a slam on NAMHCO\u2019s leaders, it is an evidence-based and objectively supported conclusion. NAMHCO showed it can be done. They are to be applauded for that, not minimized.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 588px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/mharr-releases-study-recommending-independent-collective-representation-for-post-production-sector\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/10\/MHARRreleasesStudyRecommendingIndependentCollectiveRepresentationPostProductionSectorManufacturedHousingAssocRegulatoryReformMHProNews.png\" alt=\"\" width=\"588\" height=\"529\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/mharr-releases-study-recommending-independent-collective-representation-for-post-production-sector\/\" target=\"_blank\" rel=\"noopener\"><i>https:\/\/manufacturedhousingassociationregulatoryreform.org\/mharr-releases-study-recommending-independent-collective-representation-for-post-production-sector\/ <\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>MHARR breathes much of the same rare air that is Washington, D.C. that MHI does from the opposite bank of the Potomac River. They get insights that some outside of that \u201cWashington Beltway\u201d do not normally have.<\/p>\n<p>It is for an array of reasons that modest in size but mighty in effort MHARR merits ongoing attention. They are the primary nonprofit at this time pressing for growth in common sense ways. Unlike some that want to play gatekeeper, MHARR has long invited others to rise up and work with them. It is in some ways David (MHARR) vs. Goliath (MHI).\u00a0 That said, all analogies limp at some point. Note that MHARR <em>has not called for<\/em> MHI\u2019s abolition. Rather, they have<em> de facto<\/em> called on MHI to pivot toward their stated mission by suing to get enforcement on the laws that MHARR and MHI jointly shepherded into existence.<\/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\/MHARRDannyGhorbaniSenChuckRobbPresidentBillClintonPhotoGhorbaniNailsZoningAnswersHowAndWhoManufacturedHousingMHProNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><figcaption class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomepronews.com\/ghorbani-nails-zoning-answers-to-how-and-who\/\" target=\"_blank\" rel=\"noopener\"> https:\/\/www.manufacturedhomepronews.com\/ghorbani-nails-zoning-answers-to-how-and-who\/<\/a> <\/i><\/figcaption><\/figure>\n<figure id=\"attachment_20096\" aria-describedby=\"caption-attachment-20096\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/shell-game-affordable-manufactured-home-threats-on-steriods-exclusive-probe-into-manufactured-housing-industrys-twin-crises-a-one-on-one-interview-with-mharr\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-20096\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/11\/ShellGameAffordableManufacturedHomeThreatsOnSteroidsManufacturedHousingIndustriesTwinCrisesOneOnOneInterviewMarkWeissPresCEOManuHousingAssocRegReformMHARRlogoPicMastMHProNews1.png\" alt=\"ShellGameAffordableManufacturedHomeThreatsOnSteroidsManufacturedHousingIndustriesTwinCrisesOneOnOneInterviewMarkWeissPresCEOManuHousingAssocRegReformMHARRlogoPicMastMHProNews1\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/11\/ShellGameAffordableManufacturedHomeThreatsOnSteroidsManufacturedHousingIndustriesTwinCrisesOneOnOneInterviewMarkWeissPresCEOManuHousingAssocRegReformMHARRlogoPicMastMHProNews1.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/11\/ShellGameAffordableManufacturedHomeThreatsOnSteroidsManufacturedHousingIndustriesTwinCrisesOneOnOneInterviewMarkWeissPresCEOManuHousingAssocRegReformMHARRlogoPicMastMHProNews1-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/11\/ShellGameAffordableManufacturedHomeThreatsOnSteroidsManufacturedHousingIndustriesTwinCrisesOneOnOneInterviewMarkWeissPresCEOManuHousingAssocRegReformMHARRlogoPicMastMHProNews1-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-20096\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/shell-game-affordable-manufactured-home-threats-on-steriods-exclusive-probe-into-manufactured-housing-industrys-twin-crises-a-one-on-one-interview-with-mharr\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/masthead\/shell-game-affordable-manufactured-home-threats-on-steriods-exclusive-probe-into-manufactured-housing-industrys-twin-crises-a-one-on-one-interview-with-mharr\/<\/i><\/a><\/figcaption><\/figure>\n<p><strong>In the battle for equity <\/strong>is in good measure a racial issue. It is also a justice issue for numbers of others, minority or not, that are employed in America or have a smaller business in the U.S. \u00a0The late Martin Luther King Jr. wanted to foster a coalition that was multi-ethnic, including all of those who are disadvantaged, not just blacks or Hispanics. King wanted whites too, who were a key part of his civil rights efforts.<\/p>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/mharr-engages-with-new-ginnie-mae-president-alanna-mccargo-gnma-statements-but-where-is-mhi-on-fhfa-and-ginnie-mae-and-sf-manufactured-home-lending-plus-markets-manufactured-home-stock-updates\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2022\/01\/MHARRnewGinnieMaePresAlannaMcCargoPicGNMAstatementWhereMHIonFHFA-GinnieMaeSF-ManufacturedHomeLoansPlusMarketsManufacturedHomeStockUpdatesMHProNewsLogos.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/mharr-engages-with-new-ginnie-mae-president-alanna-mccargo-gnma-statements-but-where-is-mhi-on-fhfa-and-ginnie-mae-and-sf-manufactured-home-lending-plus-markets-manufactured-home-stock-updates\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/mharr-engages-with-new-ginnie-mae-president-alanna-mccargo-gnma-statements-but-where-is-mhi-on-fhfa-and-ginnie-mae-and-sf-manufactured-home-lending-plus-markets-manufactured-home-stock-updates\/<\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>When examining how MHI has looked in recent years, it is worth noting that the MHARR office is far more diverse than MHI has ever been. If MHI is serious about their claims, MHARR seems to say, it is time for them to step up to the plate and do their job. MHI has to walk the talk. Otherwise, talk is not only cheap, but it is also harmful to those who are being left behind by the status quo that benefits a few at great harm to the many. ##<\/p>\n<p style=\"text-align: center;\">###<\/p>\n<p>[cp_popup display=&#8221;inline&#8221; style_id=&#8221;139941&#8243; step_id = &#8220;1&#8221;][\/cp_popup]<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/08\/AmericanPressInstituteLOGOquoteManyKindsJournalismHeartConstitutionalResposibilitiesJournalistsBusMonitorKeepingCheckPeopleInstitutionsInPowerQuoteableQuoteMHProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-19639\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/08\/AmericanPressInstituteLOGOquoteManyKindsJournalismHeartConstitutionalResposibilitiesJournalistsBusMonitorKeepingCheckPeopleInstitutionsInPowerQuoteableQuoteMHProNews.png\" alt=\"AmericanPressInstituteLOGOquoteManyKindsJournalismHeartConstitutionalResposibilitiesJournalistsBusMonitorKeepingCheckPeopleInstitutionsInPowerQuoteableQuoteMHProNews\" width=\"604\" height=\"231\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/08\/AmericanPressInstituteLOGOquoteManyKindsJournalismHeartConstitutionalResposibilitiesJournalistsBusMonitorKeepingCheckPeopleInstitutionsInPowerQuoteableQuoteMHProNews.png 1523w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/08\/AmericanPressInstituteLOGOquoteManyKindsJournalismHeartConstitutionalResposibilitiesJournalistsBusMonitorKeepingCheckPeopleInstitutionsInPowerQuoteableQuoteMHProNews-575x220.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/08\/AmericanPressInstituteLOGOquoteManyKindsJournalismHeartConstitutionalResposibilitiesJournalistsBusMonitorKeepingCheckPeopleInstitutionsInPowerQuoteableQuoteMHProNews-1024x391.png 1024w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/08\/AmericanPressInstituteLOGOquoteManyKindsJournalismHeartConstitutionalResposibilitiesJournalistsBusMonitorKeepingCheckPeopleInstitutionsInPowerQuoteableQuoteMHProNews-150x57.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/08\/AmericanPressInstituteLOGOquoteManyKindsJournalismHeartConstitutionalResposibilitiesJournalistsBusMonitorKeepingCheckPeopleInstitutionsInPowerQuoteableQuoteMHProNews-768x293.png 768w\" sizes=\"(max-width: 604px) 100vw, 604px\" \/><\/a><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"OcZlHwY2Pw\"><p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/fhfa-signals-better-manufactured-home-loans-in-2022-prosperity-now-manufactured-housing-assoc-for-regulatory-reform-v-manufactured-housing-institute-official-statements-facts-analysis\/\">FHFA Signals Better Manufactured Home Loans in 2022 &#8211; Prosperity Now, Manufactured Housing Assoc for Regulatory Reform v Manufactured Housing Institute \u2013 Official Statements, Facts &#038; Analysis<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;FHFA Signals Better Manufactured Home Loans in 2022 &#8211; Prosperity Now, Manufactured Housing Assoc for Regulatory Reform v Manufactured Housing Institute \u2013 Official Statements, Facts &#038; Analysis&#8221; &#8212; Masthead L. A. &#039;Tony&#039; Kovach\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/fhfa-signals-better-manufactured-home-loans-in-2022-prosperity-now-manufactured-housing-assoc-for-regulatory-reform-v-manufactured-housing-institute-official-statements-facts-analysis\/embed\/#?secret=NAHzbuxRGj#?secret=OcZlHwY2Pw\" data-secret=\"OcZlHwY2Pw\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\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 reporting that are not found anywhere else in MHVille. It is all here, which may explain why this is 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 style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/clayton-21st-storm-watch-sinatras-summer-wind-blows-early-manufactured-housing-moat-breach-manufactured-home-values-increasing-faster-than-site-built-case-for-something-new-i\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2022\/01\/KevinClaytonHomesTimWilliams21stMortgCorpTomHodgesLesliGoochManHousingInstStormWatchMoatBreachManufacturedHomeValuesRiseFasterThanConventionalHousingNewFor2022MHProNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/clayton-21st-storm-watch-sinatras-summer-wind-blows-early-manufactured-housing-moat-breach-manufactured-home-values-increasing-faster-than-site-built-case-for-something-new-i\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/clayton-21st-storm-watch-sinatras-summer-wind-blows-early-manufactured-housing-moat-breach-manufactured-home-values-increasing-faster-than-site-built-case-for-something-new-i\/<\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<figure style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/years-of-state-national-level-manufactured-housing-factual-data-find-your-states-production-shipment-info-here-troubling-manufactured-home-affordable-housing-trends-issues-and-fact-checks\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2021\/04\/YearsStateNatlLevelManufacturedHousingFactualDataFindYourStateProductionShipmentInfoHereTroublingManufacturedHomeAffordableHousingTrendsIssuesFactChecksMHProNews.jpg\" alt=\"\" width=\"600\" height=\"315\" \/><\/a><figcaption class=\"wp-caption-text\"><i> The 2.5 year overall downward trend finally reversed in March 2021, but the data is preserved at this link here.<a href=\"https:\/\/www.manufacturedhomepronews.com\/years-of-state-national-level-manufactured-housing-factual-data-find-your-states-production-shipment-info-here-troubling-manufactured-home-affordable-housing-trends-issues-and-fact-checks\/\" target=\"_blank\" rel=\"noopener\"> https:\/\/www.manufacturedhomepronews.com\/years-of-state-national-level-manufactured-housing-factual-data-find-your-states-production-shipment-info-here-troubling-manufactured-home-affordable-housing-trends-issues-and-fact-checks\/<\/a><\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_20027\" aria-describedby=\"caption-attachment-20027\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/marketplaces-s2as-insights-september-2021-manufactured-housing-production-shipment-data-pesky-fact-potential-promise-penetrating-analysis\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-20027\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/11\/MarketplaceS2ASept2021ManufacturedHousingProductionShipmentDataPeskyFactsPotentialPromisePenetratingAnalysisPeskyFactsPotentialPromisePenetratingAnalysis.png\" alt=\"MarketplaceS2ASept2021ManufacturedHousingProductionShipmentDataPeskyFactsPotentialPromisePenetratingAnalysisPeskyFactsPotentialPromisePenetratingAnalysis\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/11\/MarketplaceS2ASept2021ManufacturedHousingProductionShipmentDataPeskyFactsPotentialPromisePenetratingAnalysisPeskyFactsPotentialPromisePenetratingAnalysis.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/11\/MarketplaceS2ASept2021ManufacturedHousingProductionShipmentDataPeskyFactsPotentialPromisePenetratingAnalysisPeskyFactsPotentialPromisePenetratingAnalysis-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/11\/MarketplaceS2ASept2021ManufacturedHousingProductionShipmentDataPeskyFactsPotentialPromisePenetratingAnalysisPeskyFactsPotentialPromisePenetratingAnalysis-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-20027\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/marketplaces-s2as-insights-september-2021-manufactured-housing-production-shipment-data-pesky-fact-potential-promise-penetrating-analysis\/\" target=\"_blank\" rel=\"noopener\"><i> https:\/\/www.manufacturedhomepronews.com\/masthead\/marketplaces-s2as-insights-september-2021-manufactured-housing-production-shipment-data-pesky-fact-potential-promise-penetrating-analysis\/ <\/i><\/a><\/figcaption><\/figure>\n<figure id=\"attachment_20206\" aria-describedby=\"caption-attachment-20206\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/census-bureaus-dec-2021-manufactured-housing-sales-prices-regional-data-reveals-numbers-of-troubling-trends-for-affordable-housing-seekers-manufactured-home-independents-plus-mhmarkets-upd\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-20206\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/12\/UsCensusBureauDec2021ManufacturedHousingSalesPricesRegionalDataTroublingTrendsAffordableHousingSeekersManufacturedHomeIndependentsPlusMHMarketsUpdatesMHProNews.png\" alt=\"UsCensusBureauDec2021ManufacturedHousingSalesPricesRegionalDataTroublingTrendsAffordableHousingSeekersManufacturedHomeIndependentsPlusMHMarketsUpdatesMHProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/12\/UsCensusBureauDec2021ManufacturedHousingSalesPricesRegionalDataTroublingTrendsAffordableHousingSeekersManufacturedHomeIndependentsPlusMHMarketsUpdatesMHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/12\/UsCensusBureauDec2021ManufacturedHousingSalesPricesRegionalDataTroublingTrendsAffordableHousingSeekersManufacturedHomeIndependentsPlusMHMarketsUpdatesMHProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2021\/12\/UsCensusBureauDec2021ManufacturedHousingSalesPricesRegionalDataTroublingTrendsAffordableHousingSeekersManufacturedHomeIndependentsPlusMHMarketsUpdatesMHProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-20206\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/census-bureaus-dec-2021-manufactured-housing-sales-prices-regional-data-reveals-numbers-of-troubling-trends-for-affordable-housing-seekers-manufactured-home-independents-plus-mhmarkets-upd\/\" target=\"_blank\" rel=\"noopener\"><i>https:\/\/www.manufacturedhomepronews.com\/census-bureaus-dec-2021-manufactured-housing-sales-prices-regional-data-reveals-numbers-of-troubling-trends-for-affordable-housing-seekers-manufactured-home-independents-plus-mhmarkets-upd\/ <\/i><\/a><\/figcaption><\/figure>\n<blockquote class=\"wp-embedded-content\" data-secret=\"FfF9JS0rxZ\"><p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/mayfield-ky-mobile-and-manufactured-homes-vs-conventional-construction-storm-chasing-the-surprising-truth-about-tornado-deaths-damage-and-destruction\/\">Mayfield, KY Mobile and Manufactured Homes vs. Conventional Construction \u2013 Storm Chasing the Surprising Truth About Tornado Deaths, Damage, and Destruction<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Mayfield, KY Mobile and Manufactured Homes vs. Conventional Construction \u2013 Storm Chasing the Surprising Truth About Tornado Deaths, Damage, and Destruction&#8221; &#8212; Masthead L. A. &#039;Tony&#039; Kovach\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/mayfield-ky-mobile-and-manufactured-homes-vs-conventional-construction-storm-chasing-the-surprising-truth-about-tornado-deaths-damage-and-destruction\/embed\/#?secret=uJfCb9QShI#?secret=FfF9JS0rxZ\" data-secret=\"FfF9JS0rxZ\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mark Weiss, J.D., President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR) provided this advanced copy of a report they will release to their mailing list on 1.24.2022. It is part of Weiss\u2019 \u201cIssues and Perspectives\u201d series and is on the topic of \u201cWhere is the \u2018Equity\u2019 for Manufactured Homes and Consumers &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/where-is-the-equity-for-manufactured-homes-and-consumers-of-affordable-housing-unpacking-manufactured-housing-association-for-regulatory-reform-ceo-mark\/\"> <span class=\"screen-reader-text\">\u201cWhere is the \u2018Equity\u2019 for Manufactured Homes and Consumers of Affordable Housing?\u201d \u2013 Unpacking Manufactured Housing Association for Regulatory Reform CEO Mark Weiss \u201cIssues and Perspectives\u201d<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":20334,"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":[451,1737,1761,5333,274,275,2050,754,5804,5972,5971],"class_list":["post-20324","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-analysis","tag-berkshire-hathaway","tag-ceo","tag-clayton-homes","tag-j-d","tag-manufactured-housing-association-for-regulatory-reform","tag-manufactured-housing-institute","tag-mark-weiss","tag-mhpronews","tag-unpacking","tag-issues-and-perspectives","tag-where-is-the-equity-for-manufactured-homes-and-consumers-of-affordable-housing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u201cWhere is the \u2018Equity\u2019 for Manufactured Homes and Consumers Of Affordable Housing?\u201d \u2013 Unpacking Manufactured Housing Association for Regulatory Reform CEO Mark Weiss \u201cIssues and Perspectives\u201d<\/title>\n<meta name=\"description\" content=\"\u201cWhere is the \u2018Equity\u2019 for Manufactured Homes and Consumers of Affordable Housing?\u201d, Unpacking, Manufactured Housing Association for Regulatory Reform, CEO, Mark Weiss, J.D., \u201cIssues and Perspectives\u201d, Manufactured Housing Institute, Clayton Homes, Berkshire Hathaway, MHProNews,\" \/>\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\/where-is-the-equity-for-manufactured-homes-and-consumers-of-affordable-housing-unpacking-manufactured-housing-association-for-regulatory-reform-ceo-mark\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201cWhere is the \u2018Equity\u2019 for Manufactured Homes and Consumers Of Affordable Housing?\u201d \u2013 Unpacking Manufactured Housing Association for Regulatory Reform CEO Mark Weiss \u201cIssues and Perspectives\u201d\" \/>\n<meta property=\"og:description\" content=\"\u201cWhere is the \u2018Equity\u2019 for Manufactured Homes and Consumers of Affordable Housing?\u201d, Unpacking, Manufactured Housing Association for Regulatory Reform, CEO, Mark Weiss, J.D., \u201cIssues and Perspectives\u201d, Manufactured Housing Institute, Clayton Homes, Berkshire Hathaway, MHProNews,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/where-is-the-equity-for-manufactured-homes-and-consumers-of-affordable-housing-unpacking-manufactured-housing-association-for-regulatory-reform-ceo-mark\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. 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