Posts Tagged ‘American Dream’

Is POTUS Trump Racist? “Here Today, Here to Stay” – HUD Secretary Ben Carson Sounds Off

February 8th, 2019 Comments off


We have so many Americans who think that the American dream is not for them, but it is for them. And I think the president wants them to know that for sure.  But he is never going to convince them of that by telling them that.  But by showing them, eventually they will open their eyes and they will not be able to deny what they are seeing.”

–        HUD Secretary Ben Carson, M.D.


In under 4 minutes, this Fox Business video covers quite a bit of interesting ground.

The speaker is one that is familiar to manufactured housing professionals.  The Secretary of Housing and Urban Development (HUD), Ben Carson (M.D.), leads the federal agency that has primary responsibility for the regulation of our industry.

The video raises some important questions. Among them is the American Dream.



Carson Flashback…

Secretary Carson addressed a thousand or more manufactured home professionals last year in person, and thanked the industry for doing its part to support the American Dream.



But the Fox Business video interview also addressed the question that is bandied about quite often.  Is the 45th president, as many accuse him of being, a racist?

Carson said he hasn’t “seen any evidence of it [racism] whatsoever.”

Secretary Carson reminisced about an appearance decades ago by then businessman Donald J. Trump on the Oprah Winfrey Show. What isn’t mentioned is that for decades, blacks like Winfrey had no such concerns – or made no such allegations of racism against Mr. Trump.

It took a political campaign to spark those charges.

Why did the president run? Why does he do it?  Carson answer is simple. “He [POTUS Trump] does it because he loves our country and he wants it to be successful,” Carson said.  The president’s philosophy – per Carson – is that “the rising tide raises all boats.”

It detracts from their argument that capitalism is horrible. That we are a horrible country. That we treat minorities the wrong way, we are racist,” the HUD Secretary said.  With wry, dry wit he said, “I guess that’s why there are caravans of minorities trying to get in here.”

When millions see photos or videos of African Americans such as Kanye West or Tiger Woods with President Trump, surely many realize, and some wonder – would they be hanging out with him if they thought he was racist? Don’t they know him better than those who only watch on TV or read about him?

One of the oldest tricks is that of the often repeated lie.  Tell a fable often enough, and it seems more believable.

Carson spoke about opportunity zones too.  The good thing about them is that investors aren’t just here today, and then gone tomorrow.  “Here today, here to stay” – with opportunities that lift the boats of people who may have had little hope for good, honest work in the absence of specific community investments.

That’s this morning’s look at “News through the lens of manufactured homes, and factory-built housing,” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)



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Rise and Fall – NAHB March Housing Report

April 20th, 2017 Comments off

Credit: NAHB.

New data in from the National Association of Homebuilders (NAHB) shows that homebuilding in the U.S. fell in the month of March, recording its biggest decline in three years.

According to the St. Louis Dispatch, housing starts declined 6.8 percent to a seasonally adjusted annual rate of 1.22 million units. February housing starts were revised up, to a 1.30 million-unit pace. Starts were previously reported at a 1.29 million-rate.

Single-family homebuilding dropped 6.2 percent to 821,000 units, with starts in the Midwest seeing their biggest drop (25 percent) since January 2014.

Economists polled by Reuters had forecast groundbreaking activity falling to a 1.25 million-unit pace last month. Homebuilding was up 9.2 percent compared to March 2016.

The report cites that unseasonably warm temperatures boosted construction in February, and a drop in temperatures, along with storms in the Northeast and Midwest, could have contributed to the drop in March homebuilding numbers.


Credit: Men of Value.

Overall, single family home starts in the Northeast remained unchanged while they rose 3.2 percent in the South, but fell 5.5 percent in the West. Starts for multi-family housing dropped 7.9 percent to a 394,000 unit-pace.

As the Daily Business News has reported prior, the traditional housing sector remains constrained by a dearth of properties available for sale.

Builders have cited a range of problems including shortages of labor and land as well as rising material prices. A recent survey showed that homebuilder confidence slipped in April from a near 12-year high in March.

The Daily Business NewsMHProNews and MHLivingNews have covered the case for manufactured housing as a viable solution to hope for the American Dream of home ownership at a reasonable price extensively, including Bloomberg making a statement to the same effect.

The myths, and the facts surrounding manufactured housing abound. To learn more, including why manufactured housing is the solution hiding in plain sight for many to achieve the American Dream, click here. ##


(Image credits are as shown above.)



RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Homes in America – The Land Where Even Doctors Struggle

April 13th, 2017 Comments off

HomesinAmericaLandWhereEvenDoctorsStrugglecreditReMaxLeadingEdgePostedMHLivingNewsIn the United States, some are native born, some immigrate, but all are unified in pursuing the American Dream.

For most, that includes owning a home. But according to a new report on housing affordability from real estate firm Trulia, there are some places in the country where even doctors struggle when it comes to home buying.

A combination of home prices on the rise and inventory at historic lows has pushed homeownership further and further away from middle-income Americans.

Nationwide, the average American worker earns $37,040 annually, while the median cost of a home is $254,900.  This is another compelling reason why there are trillions of dollars in opportunities for manufactured housing, per the report earlier this week by Soheyla Kovach.

The full story on the Trulia report is available at MHLivingNews, linked here. ##

(Image credits are as shown above.)


RC Williams, for Daily Business News, MHProNews.

Report submitted by RC Williams to the Daily Business News, MHProNews.

Tips from Taos – Mortgages

February 28th, 2017 Comments off

The inside of an unrelated Clayton Home. Credit: Clayton Homes

Some interesting tips regarding mortgage down payments have come from one of the most famous places in New Mexico.

According to the Taos News, the median down payment for first-time home buyers has been six percent for three straight years. And in the National Association of Realtors’ (NAR) “aspiring home buyer profile,” 87 percent of non-homeowners indicated that a mortgage down payment of 10 percent or more is necessary.

This profile also finds that eight out of 10 non-owners indicated that owning a home is part of their “American dream,” yet confusion about down payment requirements is creating an issue and keeping those who would want to buy a home from getting into the market.

Being unable to afford to buy was the No. 1 reason non-owners cite as to why they don’t own. Unrealistic expectations about down payments have kept creditworthy borrowers with manageable levels of debt from exploring the prospects of buying a home,” said the Taos County Association of Realtors (TCAR) in a statement.

Those interested in buying their first home in 2017 should gather their financial paperwork, sit down with a lender to discuss their qualifications, and talk to family and friends for recommendations about a Realtor who can help them get started on their home search.

TCAR provided the following tips for renters who feel like they are ready to join those who buy a home with less than 20 percent down:


  • Review your financial situation and personal savings to determine how much you can comfortably utilize for a down payment.


  • Visit a few lenders and seek a mortgage pre-approval to determine how much money you are actually qualified to borrow.


  • Find a Realtor and discuss your budget and needs.


  • Rely on professional help from the experts.


For more on NAR housing stats, click here. ##


(Image credits are as shown above.)



RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Manufactured Housing: More Bang for the Buck

January 19th, 2017 Comments off

Inside of a Nobility manufactured home. Credit: Nobility Homes.

Bill and Mary Ann Ridenour became “empty nesters” recently, and were left with a 3,200 square foot house.

As many couples do in this situation, the Ridenours decided to downsize.

And they discovered the magic of manufactured housing.

When I tell people what we did they think I’m joking,” said Mary Ann Ridenour.

According to The Sentinel, their move is not uncommon.

As housing costs remain high in many parts of the country, many are discovering that manufactured housing is an affordable option.

The goal for the Ridenours was cost cutting, as Mary Ann, who works full-time as a court reporter, started a side business about a year ago. The couple wanted more cash to support her endeavor, so they wanted to eliminate their $1,800 monthly mortgage payment.

We were working our butts off to live in this big house that we didn’t need,” said Ridenour. “We thought, ‘Why are we paying this ridiculous mortgage on this home?’ It was strapping us.

They bought their 3-bedroom, 2-bath manufactured home with a half-acre of land about 10 years ago for $143,000 and moved into it last year. Ridenour admits that the decision to move into it took some adjustment.

It’s not a sign of a great accomplishment that I’ve moved from a big beautiful home to a trailer [sic],” said Ridenour with a slight laugh.

Once we swallowed our pride, we now find the awkwardness when people realize our living conditions amusing.

Mary Ann Ridenour says she and her husband are much happier without having to worry about money.

The Ridenours have discovered, as many others have, that the old stereotypes about “mobile homes” are just that – old stereotypes. Modern design and high quality at an affordable price are all benchmarks of modern manufactured homes.


Credit: MHProNews.


Experts also agree that manufactured housing revives the dream of homeownership.

In some ways, this could be looked at as the new American Dream because the old American Dream has become unreachable for so many people,” said Daniel Levine, director of the Avant-Guide Institute, a business that watches consumer trends.

Emily and Jesse McBroom of Denton, Texas, are an example.

Emily and Jesse McBroom. Credit: The Sentinel.

They wanted to own their own home, pay down student debt and have money to travel. Paying $29,000 for their manufactured home on seven acres of land allowed them to do just that.

We could get a brand-new trailer home [sic] with the newest appliances and pay less than the cheapest rent in the area,” said Emily McBroom.

As Daily Business News readers are aware, most references to “mobile homes” by publications are incorrect, as the last mobile home was built in the U.S. in 1976.

For a more detailed history on the journey from mobile to manufactured homes, please click here. ##


(Image credits are as shown above.)



RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

American Dream, Dead or Reborn?

November 23rd, 2016 Comments off

Image and collage credits: Shutterstock, PanAtlantic and

The “Trump Victory [is] a boost for affordable housing and consumers,” says M. Mark Weiss, CEO of the Manufactured Housing Association for Regulatory Reform in a new article, linked below.

Many believe Donald Trump has the potential to go down in history as one of the most famous, or infamous, disruptors of all time,” says Jim Clayton, founder of Clayton Homes and Clayton Bank.  “The economy, regulations, and politics need disrupting. Stay tuned.”

MHLivingNews takes a fresh look at the policies and politics of the 2016 election, as seen through the lens of a variety of experts and manufactured housing industry professionals.  To see that article and the videos with it, please click here. ##

(Image credit is as shown above, on


L. A. ‘Tony’ Kovach is the publisher of, and MH Consultant.

Submitted by L. A. ‘Tony’ Kovach to the Daily Business News on

Sunday Morning Recap-Manufactured Housing Industry News Feb. 28-March 6, 2016

March 6th, 2016 Comments off

mhpronews_sunday_morningWhat’s New in public focused Manufactured

Rancho El Mirage, new 55+ Manufactured Home Community Opening near Yuma, AZ

Tired of renting? Get the Scoop on Manufactured Homes

What’s New in Manufactured Housing Industry Professional News

American Dream lives. HUD Code production starts year strong. Patrick, Drew Industries acquire ancillary businesses. Congressman urges GSEs to buy chattel loans. Rent control equals price fixing. TRID Rule continues to hamper closings. New Durham MHC sets open house. New MH proposed for North Carolina MHC. DNC chair aligns with Republicans. Off-site housing spurs South Carolina development. D. J. Pendleton: Texas races just as hot as nationals. Pending home sales fall. RHP Properties adds to portfolio. Much, much more in news and views for you to peruse as you sip your morning jo.

Saturday, March 5, 2016

Rep. David Scott: GSEs should Purchase Chattel Loans

Friday, Feb 26

Sun Community Shareholders Buy and Sell Shares

Patrick Industries Acquires Electronics Distributor

Rent Control termed a Form of Price Fixing

Northstar Added to Stock Lineup; Dow Crosses back across 17k Mark

On Site Completion of Construction of Manufactured Homes Frequently asked Questions

Rent Increase at Calif. MHC has Residents Worried

Thursday, March 3

Minorities, Millennials Still Believe in American Dream

Dublin City Council Sets Timetable for Siting of Modular Homes for Homeless

MHCV Gains 3.14 Percent; AMG Advances 3.32 Percent

DNC Chair Switches Teams over Payday Lending

TRID Rule Continues to Hamper Mortgage Lending Industry

Caddis Capital adds Two More MHCs to Portfolio

Wednesday, March. 2

New Durham Estates to Hold Open House

Prospective MHC Owners Plan to Upgrade the Community with New Homes

Most MH-related Stocks Edge up

New Year Begins with Energetic HUD Code Production

National non-profit Suggests Manufactured Housing as an Option to Renting

Astounding Growth for Single-family Home Rental Company

Tuesday, March 1

Modular Builder in UK sees Profit Grow 29 Percent

Home Prices Rose 6.9 Percent Year-over-Year

Dow Advances 348 Points; MHCV Moves up to 1088.1

Off-site Housing Seen as Spur to Redevelopment in South Carolina

D.J. Pendleton: Texas Races are Hot—but Get Out and Vote Regardless

Pending Home Sales Drop in January

Monday, Feb. 29

Drew Acquires Manufacturer of RV Interiors

Buffalo Home Show to Feature Modular Home

MHCV Drops -2.24%; Carlyle Group Leads Gainers

RHP Properties Acquired 5,538 Home Sites In 2015

Patrick acquires Parkland Plastics

Bills would Begin to Address the Shortage of Affordable Housing

Sunday Morning Recap-Manufactured Housing Industry News Feb. 21-Feb. 28, 2016 ##

NAR releases 2013 Profile of Home Buyers, Sellers

November 20th, 2013 Comments off

Highlights-NAR-HBS-2013lawrence_yun,_nar_chief_economist=realtor-mag-realtor-org-The National Association of Realtors (NAR) recently released its 2013 Profile of Home Buyers and Selelrs. Saint Louis Today tells MHProNews the American Dream of home ownership is alive and well. Sixty-six percent of buyers surveyed are married couples, the highest percentage since 2001. The percentage of single home buyers dropped to 25 percent, which is a drop of 7 percent in the last two years. “Single homebuyers have been suppressed the last three years by restrictive mortgage lending standards, which favor dual-income households that are more likely to have higher credit scores,” said Lawrence Yun, NAR chief economist, about the survey results. “Affordability conditions remain favorable in much of the country, but consumers need access to safe and sound financing, particularly the 30-year, fixed-rate mortgage and with low down payment options for first-time buyers.”

You can download an abridged version of the NAR 2013 Profile of Home Buyers and Sellers here. ##

(Photo credit: RealtorMag)

Rents Rise as Homeownership Falls

November 6th, 2013 Comments off

According to, the uptick in home prices is transitory and more due to the Federal Reserve’s support of the economy than with organic growth or stability of consumers, as the homeownership rate is stuck at an 18-year low at 65.1 percent, and rents rise to an all-time high, increasing again in Q3 2013. Noting the new normal American Dream is renting, Tyler Durden says, “The American Dream briefly became a full-blown nightmare when in Q3 mortgage rates exploded, pummeling the affordability of housing, and ground any new mortgage-funded transactions to a complete halt.” As MHProNews understands, supportive evidence includes the precipitous decline in disposable per capita income in the last five years.

(Image credit: Fotosearch–homeownership remains elusive for many.)

Clayton Homes Billed as Nation’s Largest Homebuilder

October 23rd, 2013 Comments off

The Manufactured Housing Institute (MHI) and report that Clayton Homes of Maryville, Tennessee is the nation’s largest homebuilder. With over 1.5 million homes built since 1934, and numerous awards for design and construction, Clayton builds manufactured and modular homes, as well as commercial and educational buildings, through 35 facilities around the nation. According to, nearly 25 percent of Americans between 18 and 24 describe their American dream as being debt free, reports Kevin Clayton, CEO of Clayton Homes, says, “We believe this generation’s attitude shift in consumerism has fueled our company’s growth. We provide hardworking American families with high quality, affordable housing so they can focus on family and the things that matter most in life.” As MHProNews knows, Warren Buffett’s Berkshire Hathaway acquired Clayton in 2003 for $1.7 billion.

(Photo credit: Clayton Homes)