{"id":13071,"date":"2018-03-06T14:54:22","date_gmt":"2018-03-06T14:54:22","guid":{"rendered":"http:\/\/www.anthonydidonato.net\/wordpress\/?p=13071"},"modified":"2018-03-06T14:54:24","modified_gmt":"2018-03-06T14:54:24","slug":"manufactured-homes-to-ease-housing-shortages","status":"publish","type":"post","link":"https:\/\/www.anthonydidonato.net\/wordpress\/manufactured-homes-to-ease-housing-shortages\/","title":{"rendered":"Manufactured Homes to Ease Housing Shortages?"},"content":{"rendered":"

Manufactured Homes to Ease Housing Shortages?<\/h1>\n
\"Manufactured<\/a>

Manufactured Homes to Ease Housing Shortages?<\/p><\/div>\n

The federal government may increasingly be eyeing manufactured housing as one potential solution to ease shortages of affordable homes across the country. Mortgage financing giants Fannie Mae and Freddie Mac announced plans in January to purchase more manufactured housing loans over the next three years. Further, the U.S. Department of Housing and Urban Development recently announced it is reviewing regulations surrounding manufactured housing.<\/p>\n

Manufactured homes are built in a factory and then relocated to a home site. They differ from prefab homes, which have parts made in a factory but are then mostly constructed on-site. Manufactured homes, once referred to as mobile homes, often cost a fraction of median price of a new single-family home, such as $45,000 versus $323,000, respectively.<\/p>\n

Manufactured housing saw a major growth in the mid-1990s when credit was looser, but has since seen production plummet.<\/p>\n

\u201cThere\u2019s clearly an affordable housing gap that\u2019s growing and growing and growing,\u201d Laurie Goodman, vice president of the Housing Finance Policy Center at the Urban Institute, told Curbed.com. \u201cManufactured housing is every bit as good as site-built housing in most cases. Why has the number of manufactured housing units not gone up to where it was before?\u201d<\/p>\n

Financing a manufactured housing has grown more difficult since the 1990s. Defaults on manufactured housing loans piled up in previous years, and lenders faced the difficulty of repossessing a manufactured home. The sector has largely struggled to recover ever since.<\/p>\n

Mobile homes are classified as either a real estate property or personal property. Buyers can finance a purchase through a traditional mortgage if the property is classified as real estate. However, the majority of manufactured loans are financed as personal property with a chattel loan, which usually come with high rates and shorter loan terms.<\/p>\n

Further, a challenge of mobile homes is that they tend to depreciate in value, unlike site-built homes. Also, zoning restrictions and the \u201cnot in my backyard\u201d attitude hampers the growth of these communities.<\/p>\n

Fannie Mae plans to purchase around 30,000 manufactured housing mortgage loans over the next three years. It is also working on developing a pilot program for purchasing chattel loans and supporting the financing of manufactured housing communities.<\/p>\n

Daniel Mandelker, a professor of land use law at Washington University in St. Louis, also believes HUD\u2019s review of building regulations with manufactured housing could play a role in possibly helping to destigmatize the housing sector.<\/p>\n

\u201cIf they start working on a model state [zoning] law and start funding pilot projects, that would bring some attention,\u201d Mandelker told Curbed.com. \u201cI think that would be very helpful.\u201d<\/p>\n

Source: \u201cCan Manufactured Housing Ease America\u2019s Affordable Housing Crisis?<\/a>\u201d Curbed.com (March 2, 2018)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Manufactured Homes to Ease Housing Shortages? The federal government may increasingly be eyeing manufactured housing as one potential solution to ease shortages of affordable homes across the country. Mortgage financing giants Fannie Mae and Freddie Mac announced plans in January to purchase more manufactured housing loans over the next three years. Further, the U.S. Department … <\/p>\n

Continue reading<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,8],"tags":[5,32,4,9],"class_list":["post-13071","post","type-post","status-publish","format-standard","hentry","category-news","category-real-estate-tips","tag-anthony-didonato","tag-news","tag-real-estate","tag-tips","item-wrap"],"yoast_head":"\nManufactured Homes to Ease Housing Shortages? - Real Estate Agent and Sales in PA - Anthony DiDonato Broomall, Media, Delaware County and surrounding areas in Pennsylvania<\/title>\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.anthonydidonato.net\/wordpress\/manufactured-homes-to-ease-housing-shortages\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/manufactured-homes-to-ease-housing-shortages\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/manufactured-homes-to-ease-housing-shortages\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#\\\/schema\\\/person\\\/964792b6994e8cc4cbddc36ad4824908\"},\"headline\":\"Manufactured Homes to Ease Housing Shortages?\",\"datePublished\":\"2018-03-06T14:54:22+00:00\",\"dateModified\":\"2018-03-06T14:54:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/manufactured-homes-to-ease-housing-shortages\\\/\"},\"wordCount\":470,\"publisher\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#\\\/schema\\\/person\\\/964792b6994e8cc4cbddc36ad4824908\"},\"image\":{\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/manufactured-homes-to-ease-housing-shortages\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/wp-content\\\/uploads\\\/2018\\\/03\\\/03062018.jpg\",\"keywords\":[\"Anthony DiDonato\",\"News\",\"Real Estate\",\"tips\"],\"articleSection\":[\"News\",\"Real Estate Tips\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/manufactured-homes-to-ease-housing-shortages\\\/\",\"url\":\"https:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/manufactured-homes-to-ease-housing-shortages\\\/\",\"name\":\"Manufactured Homes to Ease Housing Shortages? 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