What is an Excellent Credit Score? What is the Top Credit Score? Credit Rating Facts, Insights, and Tips for Manufactured Housing Pros per Experts; plus MHVille REITs, Stocks Update


As economic and political uncertainty continues to boil, it is perhaps no surprise that the second segment of today’s report reveals that four of the major market indicators are a sea of red, as is the graphic for manufactured housing connected equities. That market segment is further below. First up is our report on credit scores, which impacts most every American, manufactured housing pros, and manufactured home seekers. According to CNBC, the absolute perfect credit score is an 850. As CNBC explained it, “A perfect credit score of 850 is hard to get, but an excellent credit score is more achievable. If you want to get the best credit cards, mortgages and competitive loan rates — which can save you money over time — excellent credit can help you qualify. “Excellent” is the highest tier of credit scores you can have.” The Experian credit reporting service website explains that: “A credit score is a three-digit number that is calculated from information on a credit report and generally ranges between 300 and 850. A good credit score is 670 to 739 on the FICO® Score range, while a credit score of 661 to 780 is good on the VantageScore® range.”



With more than a decade having elapsed since the start of the Great Recession of 2008, which is recalled as an epic rocking of the housing and financial markets in the runup to that event, an individual’s credit scores that were often lower then have over time steadily risen since. That noted, per Experian, “A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750. In 2021, the average FICO® Score  in the U.S. reached 714—an increase of four points from the previous year.”

That same source explains. “Some lenders create their own custom credit scoring programs, but the two most commonly used credit scoring models are the ones developed by FICO® and VantageScore®.”

What Is a Good FICO® Score?

FICO® creates different types of consumer credit scores. There are “base” FICO® Scores that the company makes for lenders in multiple industries to use, as well as industry-specific credit scores for credit card issuers and auto lenders.

The base FICO® Scores range from 300 to 850, and FICO defines the “good” range as 670 to 739. FICO®‘s industry-specific credit scores have a different range—250 to 900. However, the middle categories have the same groupings and a “good” industry-specific FICO® Score is still 670 to 739.


What Is a Good VantageScore?

VantageScore’s first two credit scoring models had ranges of 501 to 990. The two newest VantageScore credit scores (VantageScore 3.0 and 4.0) use a 300 to 850 range—the same as the base FICO® Scores. For the latest models, VantageScore defines 661 to 780 as its good range. …”


With a good to excellent FICO or VantageScore, a person must still routinely qualify for housing financing based on income, debt to income ratios, and other factors evaluated by mortgage or personal property lending financing companies.

As credit scores have climbed, in theory, the industry’s supposed dependence on firms that ‘buy deeper’ – meaning lower – credit scores, such as Berkshire Hathaway owned 21st Mortgage Corp, or Vanderbilt Mortgage and Finance (VMF), ought to be lessened. Put differently, while those lenders matter, one MHProNews tip to sellers is this. By targeting your marketing to people who are better financially qualified, you are more likely to get the type of buyer that can either pay cash and/or has the kind of credit that allows you to use lenders other than 21st and VMF, which can benefit your customers but also help reduce the impact of the so-called Berkshire financing moat. That noted, let’s pivot back to more on credit scores.


Factors Impacting Good Credit

In a post that was dated July 11, 2022, the popular Credit Karma (CK) site provided the following tips for getting and keeping a good credit score.

In a Nutshell: “From opening new accounts to making a late payment, there are a few main factors that can affect your credit scores. Learn which ones are generally most important, and which may only have a minor impact on your scores.

Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.”

MHProNews could and has made a similar disclaimer. Our sponsors and supporters have little to know clue about what topic we are publishing next. Unless they were the subject of an interview, in which case their own words are known, they nevertheless do not dictate or know what our related information or editorial stance will be on that topic.


Per that CK post, are the following insights.

QuoteMarksLeftSideIf you have a goal to reach a higher score or just want to learn more about credit scores in general, it’s important to know what affects your credit scores and how your actions could improve or hurt your credit.

Although there are many credit-scoring models, the goal of these formulas is to figure out your credit risk — that is, the likelihood of you paying your bill on time, or even at all. And whether you’re looking at a FICO® or VantageScore® credit score, your scores are based on the same information: the data in your credit reports.

While various credit-scoring models may treat factors differently, the leading models, FICO® and VantageScore®, place similar relative importance on the following five categories of information. We’ve ranked them by which ones are often most important to the average consumer.”

CK then broke the issues down to 5 key and ranked areas.

  1. Most important: Payment history
  2. Very important: Credit usage
  3. Somewhat important: Length of credit history
  4. Somewhat important: Credit mix and types
  5. Less important: Recent credit

The nuts and bolts of those five bullets above, per CK, are as follows.

1) Most important: Payment history

QuoteMarksLeftSideYour payment history is one of the most important credit scoring factors and can have the biggest impact on your scores.

Having a long history of on-time payments is best for your credit scores, while missing a payment could hurt them. The effects of missing payments can also increase the longer a bill goes unpaid. So a 30-day late payment might have a lesser effect than a 60- or 90-day late payment.

How much a late payment affects your credit can also vary depending on how much you owe. Don’t worry, though: If you start making on-time payments and actively reduce the amount owed, then the impact on your scores can diminish over time.

If you’re having trouble making payments at all, you could also wind up with a public record, such as a foreclosure or tax lien, that ends up on your credit reports and can hurt your scores. Sometimes a single derogatory mark on your credit, such as a bankruptcy, could have a major impact.

2) Very important: Credit usage

Credit usage is also an important factor, and it’s one of the few that you may be able to quickly change to improve (or hurt) your credit health.

The amount you owe on installment loans — such as a personal loan, mortgage, auto loan or student loan — is part of the equation. But even more important is your current credit utilization rate.

Your utilization rate is the ratio between the total balance you owe and your total credit limit on all your revolving accounts (credit cards and lines of credit). A lower utilization rate is better for your credit scores. Maxing out your credit cards or leaving part of your balance unpaid can hurt your scores by increasing your utilization rate.

Sarah Davies, senior vice president of analytics, research and product management at VantageScore, says that for VantageScore® credit scores, your overall utilization rate is more important than the utilization rate on an individual account.

But utilization rates on individual accounts can also affect your credit scores. This means you should pay attention to not just your overall credit utilization, but also the utilization on individual credit cards. Having a lot of accounts with balances might indicate that you’re a riskier bet for a lender.

Keep in mind that you can pay your bill in full each month and still appear to have a high utilization rate. The calculation uses the balance that your credit card issuers report to the credit bureaus, often around the time it sends you your monthly statement. You may have to make early payments throughout your billing cycle if you want to use a lot of credit and maintain a low utilization rate.

3) Somewhat important: Length of credit history

A variety of factors related to the length of your credit history can affect your credit, including the following:

  • The age of your oldest account
  • The age of your newest account
  • The average age of your accounts
  • Whether you’ve used an account recently

Opening new accounts could lower your average age of accounts, which may hurt your scores. But the hit to your scores could also be more than offset by lowering your utilization rate and increasing your total credit limit, making sure to make on-time payments to the new card and adding to your credit mix.

Closed accounts can stay on your credit reports for up to 10 years and increase the average age of your accounts during that time. But once the account drops off your credit reports, it could lower this factor, and hurt your scores. The impact could be more significant if the account was also your oldest account.

4) Somewhat important: Credit mix and types

Having experience with different types of credit, like revolving credit card accounts and installment student loans, may help improve your credit health.

Since your credit mix is a minor factor, you probably shouldn’t take out a loan and pay interest just to add to your credit mix. But if you’ve only ever had installment loans, you may want to open a credit card and use it for minor expenses that you can afford to pay off each month.

5) Less important: Recent credit

Creditors may review your credit reports and scores when you apply to open a new line of credit. A record of this, known as a credit inquiry, can stay on your credit reports for up to two years.

Soft inquiries, like those that come from checking your own scores and some loan or credit card prequalifications, don’t hurt your scores.

Hard inquiries, when a creditor checks your credit before making a lending decision, can hurt your scores even if you don’t get approved for the credit card or loan. But often a single hard inquiry will have a minor effect. Unless there are other negative marks, your scores could recover, or even rise, within a few months.

The impact of a hard inquiry may be more significant if you’re new to credit. It can also be greater if you have many hard inquiries during a short period.

Don’t be afraid to shop for loans, though. Credit-scoring models recognize that consumers want to compare their options, so multiple inquiries for certain types of loans, like mortgage loans, auto loans and student loans, may only count as one inquiry. You typically have 14 days to shop for these kinds of loans. And though it could be longer depending on the scoring model, you may want to stick to getting rate quotes within those 14 days since you probably won’t know which model is being used to generate your score. …” ##

The author for the above was: Louis DeNicola and his bio in brief per CK is as follows. “Louis DeNicola is a personal finance writer and has written for American Express, Discover and Nova Credit. In addition to being a contributing writer at Credit Karma, you can find his work on Business Insider, Cheapism, Daily Finance and MSN Money. …”


Additional Information with More MHProNews Analysis and Commentary in Brief

As the U.S. economy continues to slow and is apparently being rocked by inflation, a drop in housing activity, rising interest rates and more issues, there is a reported increase in the use of credit by Americans. According to the New York Federal Reserve on 8.2.2022: “Total Household Debt Surpasses $16 trillion in Q2 2022.” Per the New York Fed, The Report shows an increase in total household debt in the second quarter of 2022, increasing by $312 billion (2%) to $16.15 trillion.”

Reuters noted that the rise in debt was “driven mostly by a $207 billion jump in mortgage balances.” But the rise of personal debt is apparently being caused in part by the inability for many households and families earning power to keep up with the steadily rising prices. Thus, the traditional notion of inflation as being a ‘hidden’ tax’ that hurts lower incomes more is being observed in almost real time. The various false claims that were made that “inflation was going to be transitory” or that denied that inflation would be fueled by a surge in federal borrowing or spending by a Congress controlled by Democrats and a White House with Joe Biden as its occupant is difficult to deny at this point.


Advocacy and Trade Associations

Trade association of necessity routinely try to stay as politically neutral as possible, at least in the image they project. That said, without sounding specifically partisan, they have the ability to politely to bluntly point out the harm being caused by the public policies that have been in place for some 19 months.

For example, Tom Hardiman of the Modular Home Building Association (MHBA) said the following via LinkedIn.

QuoteMarksLeftSideToday, the White House released the Administration’s “Biden-Harris Economic Blueprint,” outlining five major pillars, with one focused on “empowering workers,” including providing “greater power to unionize.”

This new blueprint includes language that continues to reflect a disconnect in the Biden Administration on affordable housing, small, minority, and women owned businesses.

TomHardimanPicModularHomeBuildersAssocLOGOYou cannot simultaneously state that you want to give employees greater power to unionize AND say you support small, minority and women owned businesses.

You cannot say you support increasing the supply of affordable housing AND expanding Davis Bacon (DB) rates back into modular factories.

You cannot say you support small, minority, and women owned businesses while also expanding Davis Bacon – and that position comes directly from the U.S. Small Business Administration who submitted comments expressing this exact sentiment. DB expansion will disproportionately hurt small, minority, and women owned businesses.

You either support greater unionization in construction OR you support affordable housing. You either support greater unionization or you support small, minority, and women-owned business.

Which is it? Politics as usual? Or time to get serious about addressing real problems?  ##


That is not the first time that Hardiman for the MHBA took a clear aim at a Biden-Harris era policy to publicly criticize them. A prior example highlighted by MHProNews is linked below.

“Political Payoffs” Modular Home Builders Association (MHBA) Compared to Manufactured Housing Institute (MHI) on Biden Plan – ‘Turns American Dream into American Nightmare’ – Analysis – plus, Manufactured Housing Stocks Updates

The Manufactured Housing Association for Regulatory Reform (MHARR) has similarly made the attempt to work with Biden regime officials in a ‘constructive’ fashion while not shying away from calling out apparent hypocrisy or disconnects, as Hardiman has done. One example is shown below. That blast by MHARR took aim at Trump-era FHFA leadership as well as the Biden-Harris era FHFA.


MHI is known for their happy talk, so ‘constructive’ efforts are no surprise when it comes to that trade association. But what MHI isn’t known for in the Berkshire-Hathaway era of manufactured housing are pointed efforts, such as litigation when necessary, to accomplish what MHI claims they want but which their critics claim is just posturing or window dressing. Note that yesterday’s report has as an obvious segment in relationship of credit history and debt ratios needed to obtain a mortgage that could lead to more generational wealth. An example of how litigation could be a key to advancing manufactured housing industry interests for affordable home buying consumers, as well as smaller to mid-sized firms are shown below yesterday’s linked report.

Building Generational Wealth by Lowering the FHA’s MIP – Manufactured Housing Institute, MBA, NAHB, NAR Joint Request Unpacked in BS Detecting Friday Follies; plus MHVille REITs, Stocks Update

Ghorbani Nails Zoning Answers to “How” and “Who”


Before pivoting back to credit scores per se, the issue of how a trade group behaves in relation to their advocacy efforts is relevant to this and almost all other business- and consumer-related issues. The contrast in the above to what MHI said in their recent ‘happy talk’ email to members on 9.7.2022 is the following, per that Arlington, VA based trade association.

Keep Pressure on Administration to Stop Excessive Energy Rule

When MHProNews quotes MHI, or others, it should not be construed as an endorsement of that trade group, organization, or person. The principle of separating the wheat from the chaff is a routine need.

MHI has a multipronged strategy to stop the Department of Energy (DOE) standards for manufactured housing from being implemented until properly incorporated into the HUD Code to ensure feasibility and cost effectiveness. Exerting pressure on the Administration through Congress is a critical part of this strategy. Representatives David Kustoff (TN-08) and Larry Bucshon (IN-08) are circulating a letter to their colleagues urging them to cosponsor their legislation, H.R. 7651, “The Manufactured Housing Affordability and Energy Efficiency Act.”


While MHI has patted its own back about a range of issues, the fact that there isn’t yet a companion Senate bill, nor any Democratic co-sponsors, means the MHI ‘strategy’ is dead on arrival.  See the linked report on HR 7651 for more.

Pivoting back to credit.


This issue of credit scores, and what is needed to qualify for financing relates to a range of issues. That includes the rising debt which could soon begin to impact the potentially qualified pool of credit-qualified buyers’ because fewer people will have the debt ratios or other financial qualification factors needed to buy a new home.

Credit is the lifeblood of housing, Eric Belsky said years ago.

When credit is affordable and more people have good credit and can qualify for financing, the ability to sell more homes – conventional, manufactured, modular, or other forms of prefab housing – increases.

The reverse is also true. When lower credit scores, higher credit costs increase, fewer sales are to be expected.

As pro ‘white hat’ (meaning, for honest and ethical) professionals and pro-consumer trade media, we can raise these issues and spotlight topics like credit that can support the efforts of manufactured housing independents and others. But at the proverbial end of the day, either on the business location and/or association level, there has to be plans and muscular efforts – not just happy talk – that go to the root causes of the issues that limit the number of housing sales. The latest national data and connected information is found below.

While Conventional Housing Sales Slide, HUD Code Manufactured Housing Production Continues to Rise YoY in July 2022; plus Manufactured Home REITs, Stocks Update

More on these related topics are found in each of the linked reports herein.


Daily Business News Markets Segment

NOTICE: Based on feedback, a modification of our Daily Business News on MHProNews recap of yesterday evening’s market report is provided. It will still include our left (CNN Business) and right (Newsmax) ‘market moving’ headlines. The macro market moves graphics will provide context and comparisons for those invested in or tracking manufactured housing connected equities.

Reminder: several of the graphics on MHProNews can be opened into a larger size. Click the image and follow the prompts in your browser or device to OPEN In a New Window. Then, in several browsers/devices you can click the image and increase the size. Use the escape or back key to return.


Headlines from left-of-center CNN Business – from the evening of 9.16.2022

  • This cult-favorite grocery store is ending its self-checkout app
  • FedEx cuts sales forecast by half a billion dollars, warning of a slowing economy
  • DowJones-ManufacturedHomeCommunitiesMobileHomeParksFactoriesProductionSuppliersFinanceStocksEquitiesClosingDataYahooFinanceLogo9.16.2022
    As the 2020 midterms draw closer, Biden and Democrats are attempting various efforts to stir up their base and encourage or ‘buy’ votes, such as through the constitutionally questioned student loan forgiveness plan. Democratic House Speaker Nancy Pelosi previously said the plan would require Congressional approval. What happened to that? Who died and made Biden a ruler by fiat? Joe Biden and some of his admin officials announced inflation is ‘zero percent’ for the prior month. What? Who believes that who is going to the grocery store? It was running at 9.1 percent the previous month, but many believe that the actual rate of inflation is about double that claim. Yes, gas prices have fallen, due to an apparent drop in global demand as an economic slowdown is taking place. The Washington Examiner said that a historic record 88 percent now thinks that the U.S. is on the wrong track under Biden. As the value of the dollar erodes, that impact should be considered when looking at stock market performance. Note: depending on your browser or device, many images in this report can be clicked to expand. Click the image and follow the prompts. To return to this page, use your back key, escape or follow the prompts.

    Why you can’t buy stamps at this Post Office

  • First on CNN: House Democrats push Biden to unleash even more emergency oil
  • Biden outlines plans for crypto regulation, citing risk of fraud
  • You can now edit and unsend iMessages. Here’s how it works
  • United CEO on FAA air traffic controllers: ‘They need more’
  • Charles the Entrepreneur? How the new king built a top organic food brand
  • British pound hits a 37-year low as UK economy skids
  • The powerful motivator behind workers who want more
  • The biggest change to the new iPhone isn’t the hardware
  • Germany takes control of Russian-owned oil refineries
  • ‘Jeopardy!’ fans outraged after contestant allowed to change answer
  • Content by The AscentIt’s official: now avoid credit card interest into 2024
  • Stocks tumble after FedEx warns of global recession
  • An Indian tycoon just ousted Jeff Bezos as world’s second-richest person
  • Bed Bath & Beyond is closing more than 50 stores. Here’s where
  • Where Bank of America is to offer zero-down payment mortgages
  • Mortgage rates top 6% for the first time since 2008
  • US rents hit a record high for the 17th month in a row
  • Americans say they’re worried about paying for housing
  • Foreign buyers are slowly returning to the US
  • Uber and its subsidiary pay New Jersey $100 million in back taxes
  • Business is booming even with high gas prices
  • Five users sue Uber over alleged sexual assault incidents
  • Uber investigating ‘cybersecurity incident’
  • Drivers claim price-fixing in lawsuit against ride shares

Headlines from right-of-center Newsmax 9.16.2022

  • Hispanic Voters’ Support for Trump Could Mean Trouble for Dems
  • Hispanic voters in Miami.
  • Queen Elizabeth II (1926-2022)
  • Trump to Be Invited to D.C. Memorial Service
  • King Charles III Oversees $42 Billion in Assets
  • Mourners Wait for Hours, Miles to Bid Farewell to Queen
  • British Ambassador to Newsmax: Americans Tell Me ‘She Was Our Queen Too’ | video
  • Mourners Asked to Stop Leaving Sandwiches at Buckingham Palace
  • Palace Reveals Details of Queen’s State Funeral on Monday
  • UK to Hold Nationwide 2-Minute Silence on Monday
  • Queen Elizabeth II to be Interred Alongside Prince Philip
  • YahooFinanceLogo9ClosingStocksEquitiesBroaderMoneyMarketInvestmentIndicatorsGraphic9.16.2022MHProNews
    “In the business world, the rear-view mirror is always clearer than the windshield.” – Warren Buffett. That begs a key question. Why don’t more people LOOK at the rearview mirror so they can learn more about the patterns that influence what’s ahead? Note: depending on your browser or device, many images in this report can be clicked to expand. Click the image and follow the prompts. To return to this page, use your back key, escape or follow the prompts.

    Newsmax TV

  • Babin: Martha’s Vineyard Exposed Dems’ Migrant Hypocrisy | video
  • Clyde to Newsmax: New Bill Will Defund Biden’s Abortion Orders | video
  • Dick Morris: Mar-a-Lago Documents Will be ‘Smoking Gun’ on FBI | video
  • Jon Voight, Trump on Sunday Night for Accords Special | video
  • Friedman: This Is ‘Not the America That Makes Abraham Accords’
  • Allen: Employee Rights Act Counteracts What Dems Do With Unions | video
  • Newsfront
  • Surprise Is Key Part of Migrant Travel From Florida, Texas
  • The chief executive of Martha’s Vineyard Community Services was wrapping up work when she looked outside to see 48 strangers at her office with luggage, backpacks and red folders that included brochures for her organization. The Venezuelan migrants who were flown to the…… [Full Story]
  • Republicans ‘Working’ to Sanction VA Over Abortions
  • Congressional Republicans are looking to sanction the Department of [Full Story]
  • Dick Morris to Newsmax: Mar-a-Lago Documents Will be ‘Smoking Gun’ on FBI
  • Former President Donald Trump took boxes of documents to his [Full Story]
  • Children, Women Prone to Diseases in Pakistan’s Stagnant Flood Water
  • Children and women are becoming more vulnerable as tens of thousands [Full Story]
  • Yahoo-ManufacturedHomeCommunitiesMobileHomeParksFactoriesProductionSuppliersFinanceStocksEquitiesClosingDataYahooFinanceLog9.16.2022
    In instances such as Apollo, Berkshire Hathaway, Blackstone or others, manufactured housing may only be part of their corporate interests. Note: depending on your browser or device, many images in this report can be clicked to expand. Click the image and follow the prompts. To return to this page, use your back key, escape or follow the prompts.

    Uber Investigating ‘Cybersecurity Incident’ After Report of Breach

  • Uber Technologies Inc said it was investigating a cybersecurity [Full Story]
  • Harris’ Characterization of ‘Secure Border’ Is ‘Patently False’
  • Vice President Kamala Harris may come to regret not taking a trip to [Full Story] | Platinum Article
  • Jon Voight, Trump on Sunday Night for Accords Special
  • The premiere of actor Jon Voight’s new documentary with former [Full Story] | video
  • West Virginia Gov. Jim Justice Signs Abortion Ban Into Law
  • Republican Gov. Jim Justice on Friday signed into law a ban on [Full Story]
  • ‘Temporary Mindset’ at Guantanamo Leads to Costly Challenges
  • When Guantanamo Bay receives its 21st commander later this year, he [Full Story]
  • Ukraine Combs Mass Burial Site, Says Russia ‘Leaves Death’
  • Ukrainian authorities were expected to begin recovering bodies Friday [Full Story]
  • Related
  • 2 Separatist Prosecutors Killed by Bomb in Ukraine’s Luhansk
  • Most People Buried in Mass Grave in Ukraine’s Izium Are Civilians: Police Chief
  • ‘Torment of Hell’: Ukraine Medic Describes Russian Torture
  • Fetterman Releases Cognitive Test Results
  • Pennsylvania Lt. Gov. John Fetterman’s Senate campaign on Friday [Full Story]
  • Hispanic Voters’ Support for Trump Could Mean Trouble for Dems
  • Hispanics voted in greater numbers for former President Donald Trump [Full Story]
  • Trump to Be Invited to Queen’s Memorial Service in D.C.
  • Former President Donald Trump and the four other living former U.S. [Full Story]
  • CNN’s Don Lemon Insists ‘I Was Not Demoted’
  • CNN prime-time host Don Lemon insiststhat being moved to mornings was [Full Story]
  • AOC to Texas Gov. Abbott: ‘Consider If This Is Right Work for You’
  • Alexandria Ocasio-Cortez, D-N.Y., says Texas Gov. Greg Abbott [Full Story]
  • Video Report: Martha’s Vineyard Residents Don’t Want Migrants
  • Martha’s Vineyard, Massachusetts, residents don’t want to assist [Full Story] | video
  • Police Make Arrest in 1972 Murder Case of Teen Girl in Hawaii
  • Police arrested a former Nevada deputy attorney general for the [Full Story]
  • Martha’s Vineyard Migrants Being Shipped to Joint Base Cape Cod
  • Migrants flown to Martha’s Vineyard by Florida Gov. Ron DeSantis are [Full Story]
  • What Elon Musk’s Friends Thought About His Twitter Offer
  • Elon Musk’s friends had privately told him not to purchase Twitter, [Full Story]
  • Video Report: Netanyahu Rides Bulletproof ‘Bibi-Bus’ on Campaign Trail
  • Former Israeli Prime Minister Benjamin Netanyahu rides a bulletproof [Full Story] | video
  • Poll: JD Vance Leads Democrat Tim Ryan in Ohio
  • Ohio Republican Senate candidate J.D. Vance holds a slim lead over [Full Story]
  • Democrats Remain Competitive in Midterms Races: NY Times/Siena Poll
  • A New York Times/Siena College survey shows Democrats remain [Full Story]
  • Florida Could Tap Into Interest From COVID Funds to Transport Migrants
  • Interest earned on the money Florida got in federal coronavirus aid [Full Story]
  • Kevin McCarthy: ‘I Know Who Recorded’ Private Remarks About Trump, Jan. 6
  • House Minority leader Kevin McCarthy, R-Calif., said he knows who was [Full Story]
  • Judge: City Can’t Fire NYPD Officer for Not Having COVID-19 Vaccine
  • A New York Police Department officer can’t be fired for not having [Full Story]
  • China to Impose Sanctions on US CEOs Over Taiwan Arms Sales
  • China will impose sanctions on the CEOs of Boeing Defense and [Full Story]
  • UK PM Truss to Meet US President Biden on Sunday
  • British Prime Minister Liz Truss will host President Joe Biden at her [Full Story]
  • GOP Nevada Gov. Nominee Lombardo Says He’ll Fight US Abortion Ban
  • The GOP’s nominee for Nevada governor said Thursday he would fight [Full Story]
  • Key US Satellites Unprepared for ‘Space Pearl Harbor’ Scenario
  • As Russia and China continue making strides with their space [Full Story] | Platinum Article
  • Mortgage Rates Soar Over 6 Percent for First Time Since Late 2008
  • For the first time since the housing crisis of late 2008, mortgage [Full Story]
  • Trump Blasts McConnell for Being Dems’ ‘Lapdog’ on Funding Govt
  • Former President Donald Trump is praising a few Republican senators [Full Story]
  • Finance
  • Goldman Sachs Consumer Banking Under Fed Scrutiny
  • Goldman Sachs Group Inc.’s consumer banking unit is being reviewed by the Federal Reserve, Bloomberg Law reported on Friday, citing people familiar with the matter…. [Full Story]
  • Young Hacker Tricks Way Into Uber’s System
  • King Charles III Oversees $42 Billion in Assets
  • Fed 4.45% Terminal Rate Forecast Jolts Stocks
  • Auto Ad Spend Falls to $4.8B Through July
  • More Finance
  • Health
  • Why Some People Have Never Gotten COVID-19
  • According to the Centers for Disease Control and Prevention, 70% of the U.S. population have had COVID-19 at least once, and many have been infected multiple times. But we all know people who have managed to dodge the virus entirely. These so-called “Novids” or “COVID… [Full Story]
  • Harvard Researchers Reveal the #1 Secret to Success and Happiness
  • WHO Updates Recommended COVID Treatments as Omicron Circulates
  • Sugary Beverages Linked to Increased Risk for Fatal Cancers
  • Study: Weight-Loss Surgery Has Long-Term Benefits for Pain, Mobility

Our Newsmax headline capture failed last night. MHProNews regrets the error. ##

  • NOTE 1: The 3rd chart above includes the Canadian stock, ECN, which purchased Triad Financial Services, a manufactured home industry lender
  • NOTE 2: Drew changed its name and trading symbol at the end of 2016 to Lippert (LCII).
  • NOTE 3: Deer Valley was largely taken private, say company insiders in a message to MHProNews on 12.15.2020, but there are still some outstanding shares of the stock from the days when it was a publicly traded firm.  Thus, there is still periodic activity on DVLY.
  • Note 4: some recent or related reports to the equities named above follow.


Triad Financial Services Q2-2022 FINANCIAL RESULTS, per ECN Capital – Several Bright Spots in Manufactured Home Market Highlighted, Including Communities, Retail, Land-Home, Floor; MHStocks Update

‘Blackrock Weaponizing ESG’– State AGs Probe MHCommunities Owner, Private Equity Giant Blackrock on Possible Antitrust, Securities, Fiduciary Violations, See AGs’ Document; plus MHStocks Update

Cavco Quarterly Results, Facts, and Trends Include SEC Suit Update, Manufactured Home Production Volumes, Financial Figures, Corporate Data and Manufactured Housing Analysis


Manufactured Home Communities (a.k.a. ‘Mobile Home Parks’ – SIC) – Exploring UMH Properties; Fellow Manufactured Housing Institute Member Yes! Communities Suits and Settlements; plus MH Markets Updates



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

All on Capitol Hill were welcoming and interested in manufactured housing related issues. But Congressman Al Green’s office was tremendous in their hospitality. Our son’s hand is on a package that included a copy of the Constitution of the United States and other goodies. Tamas has grown considerably since this photo was taken. 

By L.A. “Tony” Kovach – for MHProNews.
Tony earned a journalism scholarship along with numerous awards in history. There have been several awards and honors and also recognition in manufactured housing. For example, he earned the prestigious Lottinville Award in history from the University of Oklahoma, where he studied history and business management. He’s a managing member and co-founder of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com. This article reflects the LLC’s and/or the writer’s position and may or may not reflect the views of sponsors or supporters.








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mas kovach mhpronews shopping with soheyla .jp

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