In addition to the FHFA’s Duty to Serve provisions that support certain segments of the lending industry underserved by mainstream financial institutions, new efforts have been recently made toward eliminating the regulatory burdens that limit the availability of financing alternatives for manufactured homes, according to the MHI.
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Despite the continuous efforts made by government agencies, financial institutions and organizations like the MHI, FHFA and CFED to facilitate consumer access to more affordable loan products, loans for smaller homes are still hard to come by. But things are changing rapidly, even as we speak. To address the financial needs of different categories of home buyers, increasing numbers of banks have started to add smaller loans like manufactured home loans to their portfolios.