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Posts Tagged ‘the American Dream’

Imogene Poots, Vladimir De Fontenay’s Video Look – “The American Dream,” “Mobile Homes”

October 9th, 2018 Comments off
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Stills from movie entitled, “Mobile Homes,” but the homes shown are actually modern manufactured homes.  Some clips from the movie are found posted further below.

From writer & director Vladimir de Fontenay, the film will finally be released in US theaters this November. The story follows a young mother named Ali, played by Imogen Poots said First Showing, “The makeshift family scrapes by, one hustle at a time, until the discovery of a mobile home1 community offers a better life.”

 

Everybody deserves a second, third of fourth chance, even if in practice it often doesn’t work out that way for the very people that need it most,” stated Caution Spoilers

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Ratings of the YouTube video of the movie clips. The video clips of “Mobile Homes” is found near the end of this post, below.

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The flick is based upon a short film released in 2013, and was featured last year at the Cannes Film Festival.  The reviews have been mixed. While the Daily Business News on MHProNews isn’t endorsing a film we’ve not yet viewed – despite the title and terminology error – it might have a subtle theme that could make it useful.  At least, it could be better than some other movies that have had mobile or manufactured homes as a background theme in recent years.

“Sneaking into a mobile home to escape…Ali and Bone snuggle up together on the floor for the night; waking up next morning their uncomplicated delight at finding they’re on the road, as the home is transported to a park1 miles away, is a breath of fresh air for them and us,” said Sarah for Caution Spoilers.

The trailer park1 they end up at is run by the kind but flawed Robert (Callum Keith Rennie, avoiding the twinkly-eyed rough diamond cliche). It’s a chance for Ali and Bone to be their real selves as she’s put to work painting and decorating, and he can play with other children,” continued the review by Sarah.

Rephrased, it’s a story of a surprising fresh start.

What is a home? What is a family?” – Asked in Movie, “Mobile Homes

It’s part of the mythology of America that everyone can move on, starting afresh somewhere new, the slate wiped clean…” said Sarah. “It’s not saying much that’s new about women like Ali, or her situation. But at its heart Mobile Homes is an ode to a dream that is never entirely out of reach.”

Culture influences people. So it will be worth checking this out to see how it may, or may not, be useful to manufactured home marketers and sellers.

If, if the message “…Mobile Homes is an ode to a dream that is never entirely out of reach…” this might be a net plus for industry professionals.

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It will be in theaters soon, so time will tell. Links to other videos with mobile or manufactured homes in the story-line are found further below, under related reports.   “We Provide, You Decide.” © ## (News, analysis, and commentary.)

  1. Footnote: The home shown is a manufactured home, not a mobile home. Also, the community is not a ‘trailer park,’ it is more properly a land lease community for manufactured homes.

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Related Reports:

Ready Player One, “Mobile Home Stacks,” and the Manufactured Home Industry Reality Check

Eminem, “8 Mile,” “Mobile Homes,” Frank Rolfe – Understanding Media and Public Perceptions of Manufactured Housing

The American Dream, Manufactured Homes, and America’s Independence Day

July 4th, 2018 Comments off

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Various forms of shelter – or housing – have been part of human history for thousands of years. The desire for homeownership is part of the American Dream, but it is more properly part of a larger struggle for freedom and independence.

 

On July 4, 1776, a group of men gathered in Philadelphia, PA to pledge their lives, their fortunes, and their sacred honor in a fight for independence from the king of England.

Freedom, independence, housing – all of these are woven together in various ways.

A relatively poor person who owns his, her or their own home is arguably more independent than another household that rents.

The renter is more independent than those who depend entirely on others to provide their shelter.

Yesterday, at the link below, the Daily Business News looked at the issue of manufactured homes vs. subsidized housing.

Affordable Housing, Subsidized Housing, Manufactured Homes, Private Property, and Proclaiming Liberty

For years, MHProNews and MHLivingNews has taken the position that subsidized housing is a threat to our industry.

But more than that, subsidized housing is a debatably costly, ill conceived, and failed system. Yesterday’s article on subsidized housing linked above outlines with facts and charts, why that controversial claim is so, plus why it matters to freedom loving people.

All across America – from Hawaii to the east coast of the U.S., and thousands of places in between – affordable housing is an issue that many experts call a crisis. Are those who struggle for housing truly free?

Drawn to the fulcrum of that crisis are manufactured homes (MH). Before June 15, of 1976, millions of mobile homes were part of that same, long struggle for affordable housing in America, and for greater independence.

As dedicated MHProNews readers learned, more than one American president has specifically addressed and praised our MH industry by name.

U.S. President Praised “The Mobile Home Industry,” Manufactured Homes are “Here to Stay”

Why?

Because we are a proven and essential part of the free enterprise solution to the affordable housing crisis.

Some 22 million Americans live in a pre-HUD Code Mobile Home or a post-HUD Code Manufactured Home.

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Make a habit of using the correct terminology.

Housing owners and all others are only as free as political, economic or safety issues allow them to be. That’s reality.

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The protections the founders of the United States of America (USA) fought to include was for the security and privacy of people in one’s own residence.

Freedom has long been a struggle of the more organized and powerful vs. the less powerful.

Governments exist in theory to protect the rights of people. Candidly, that protection by government may only be for the rights of a few. The more a government is able to protect the weak or vulnerable from the ravages of crime, other forms of economic or political aggression, and warfare, the more noble it is seen as being to millions of modern minds.

The framers attempted to create a Republic that would offer the maximum protection for “We, the People.”

Manufactured homes provide affordable quality living for less. That’s an important theme celebrated on ManufacturedHomeLivingNews.com.

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For newcomers to this website, or those not yet familiar with modern manufactured homes, learn more by clicking the image above or the link here.

Few of us want to admit or aspire to being a slave or addict to anything or anyone. That’s true for our fellow Americans.

The men who signed the Declaration of Independence risked everything for freedom. Thanks to the risks taken by those property owners on that fateful, risky but glorious day, generations of Americans stand more free.  The path towards freedom has been difficult, there’s been stumbling and turmoil along the way, but the same has always been true at every time and place in world history.

Every nation, every society since the dawn of man has struggled for ways to safely protect and shelter people. We can thank God that we live here in the U.S.A., where hundreds of millions of others around the world long to be.

Why do millions globally dream of coming to America? Not because we are perfect, but because we are safer and more free.

Providing good, clean, safe, and appealing homes is a noble profession.

All of those who invest or work in part of the manufactured home industry should celebrate today, and every day that we are able to help others become more free.

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Those who put their “John Hancock” to the Declaration risked everything for more freedom. Third party image provided under fair use guidelines.

From our family to you and your loved ones, and with sincere thanks to all of those who make our work here possible, a happy, safe, and healthy Independence Day. ##

Soheyla, Tamas L. A. "Tony" Kovach family

Soheyla Kovach, with her son Tamas and husband L. A. “Tony” Kovach, see their profile in a mainstream media article, linked here.

Minorities, Millennials Still Believe in American Dream

March 3rd, 2016 Comments off

homeownership   fotosearch stock photoThe semi-annual Housing Confidence Index poll survey conducted by Zillow reveals that 65 percent of Millennials (18-34) and almost 70 percent of Hispanics agree with the connection between homeownership and the American Dream. Millennials in Los Angeles-Long Beach-Anaheim agreed the most, 86.9 percent, while that same demographic in Philadelphia agreed the least at 44 percent, as reported by nationalmoretgagenews.

Next on the list are those 65 and older, essentially the Millennials’ grandparents who support the association, at 63.9 percent, followed by people 50-64 who agree the least at 56.9 percent. As MHProNews understands, it may be the last group who were the most affected by the foreclosures and turn down in the housing market.

Racially, the survey discovered that 64 percent of Asian respondents make the association between homeownership and the American Dream, followed by 63 percent of black respondents, and whites with the least agreement at 57.6 percent.

Surveying 10,000 renters and homeowners across the country, research and consulting firm Pulsenomics did not exactly define “American Dream,” but did indicate homeownership is “integral” to the American Dream.

The American dream is really about opportunity, which means a lot of things to a lot of different people,” Svenja Gudell, chief economist at Zillow, said in the release. “For young Americans and Americans of color, the opportunity to own a home is a big part of that dream.”

However, despite Millennials optimism, only 46 percent of the renters among them were confident in their ability to own a home. That number was 50 percent just six months ago. Zillow points out this age group has rented longer than previous generations as home prices rise faster than wages.

Terry Loebs, founder of Pulsenomics, said housing confidence has risen in every metro area survey the past two years. “Amidst turbulent financial markets and unsettling election year politics, confidence in the U.S. housing market has proven resilient in recent months, even as investor confidence, business confidence and consumer economic sentiment have wavered,” he said. ##

(Image credit: fotosearch–the American Dream of homeownership)

matthew-silver-daily-business-news-mhpronews-comArticle submitted by Matthew J Silver to Daily Business News-MHProNews.

Doug Ryan: Expand the Lending Opportunities for MH Buyers

February 23rd, 2016 Comments off

manuf home royal homes of raleigh nc creditManufactured housing (MH) is an inexpensive path to the American Dream of homeownership, said Doug Ryan, Director of Affordable Homeownership at the Corporation for Enterprise Development (CFED).  But he claims there is a lack of competition among the few MH lenders that exist—a market dominated by Clayton Homes, which builds, markets – and through related firms – finances MH.  Thus it does not have to rely on a secondary market.  According to Ryan, that vertically integrated operation makes the path to more ownership of quality affordable manufactured homes more difficult.

In an op-ed in American Banker, Time to End the Monopoly over Manufactured Housing, Ryan says the government-sponsored enterprises (GSEs), Fannie Mae and Freddie Mac should participate more in buying chattel loans. That might happen, due to a proposal from the Federal Housing Finance Agency (FHFA) that the GSEs would get credit for “duty to serve” underserved housing markets, like making loans to MH secured by real estate.

While not including chattel or “personal property” (home only) loans, the proposal advocated by CFED and others includes a move that encourages states to change their titling laws to recognize MH as real estate. If titling reform did go through, they claim, it would open the field up to more lenders, and present more competition for Clayton and their affiliated lenders.  

The move to magically dub “home only” loans as “real estate” is opposed by MH lenders and by third party MH financing experts, such as Marty Lavin, JD, because it is too costly and burdensome for lenders in practice.  Lavin and others assert that would drive out more manufactured home lending, rather than create more of it.

While Freddie Mac has recently made loans to acquire manufactured home communities (MHCs), as MHProNews  has previously reported, an additional part of the proposal would require the largest GSE mortgage companies to finance the purchase of MHs as chattel loans, which Ryan says would begin the development of a secondary mortgage market for MH.

Ryan said Clayton finances homes through lenders owned by parent company Berkshire Hathaway, and has no need for Fannie and Freddie. Ryan claims the industry’s largest national trade association, the Manufactured Housing Institute (MHI), and Clayton both oppose the inclusion of chattel loans in the rule.  This, asserts Ryan, prevents owners of manufactured homes on leased land from building equity.

What Ryan fails to mention is that MHI and the Manufactured Housing Association for Regulatory Reform (MHARR) are both working to get chattel lending included by FHFA’s Duty to Serve (DTS) instructions to the GSEs. CFED’s point man on manufactured housing also fails to mention that his organization has admitted to what is a conflict of interest on issues relating to the CFPB and MH lending.

Ryan also fails to mention that federal regulations have driven out personal property lending that previously existed for manufactured homes, so the very policies CFED advocates for would actually make MH lending even tougher.

Clayton Homes/Berkshire Hathaway have been hammered repeatedly by slanted and misleading by theSeattle Times/BuzzFeed  advocacy journalism “reports” charging discrimination, predatory lending, exploiting and even “threatening” borrowers.  Ryan and his allies – such as Ishbel Dicken’s led National Manufactured Home Owners of America (NMHOA) – have promoted such negative media, in an effort to undermine the progress made on passage of the Preserving Access to Manufactured Housing Act (HR 650/S 682).

MHLivingNews  has outlined many of the issues relating to mistaken points made by Doug Ryan and others in a video and related article, found here. The video quotes CFPB’s Richard Cordray, HUD’s Julian Castro and Senator Bob Corker speaking on MH as an affordable housing solution, highlighting facts on MH lending that Ryan glosses over or blatantly ignores.

MHProNews has two upcoming video reports that will shed additional light on financing and quality affordable living issues that Ryan, Seattle Times, PBS NewsHour and those in league with CFED ignore. Marty Lavin’s in depth discussion on this topic, is linked here.  

Ryan’s Op-Ed, says MHProNews publisher L. A. ‘Tony’ Kovach, “badly misses the mark on the reality of manufactured home lending; whatever his intentions or motivations, Doug Ryan has proven that he doesn’t know what he’s talking about, as he essentially admitted in an interview with Jan Hollingsworth, that MH finance expert Dick Ernst is better informed on these topics,” found in an in-depth report linked here.

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The full GAO report on Manufactured Housing is linked from the image above or can be downloaded here.

Kovach reminds Daily Business News readers that Ryan has never denied any of the facts in reports MHLivingNews or MHProNews have published, and says if Ryan was correct and confident in his stance on these MH lending issues, he’d take up the offer to debate him and Ishbel Dickens.

Kovach commends Ryan to the extent that on paper, he and CFED are pro-MH as an affordable housing solution, while pointing out that sadly the policies Ryan and his associates advocate for via their media efforts are actually harming manufactured home owners, lenders and businesses. “The GAO’s report on manufactured housing has already documented, as have one of the GSEs’ own reports, that even with somewhat higher interest rates, MH is the lowest cost and the lowest monthly payment of any form of housing,” Kovach stated. “Modern manufactured homes are the solution to the affordable home crisis, and the path to more lending is found by allowing the free market to work and not be impeded by federal regulations and well meaning, but misguided policy advocates.” ##

(Image credit: Royal Homes of Raleigh)

matthew-silver-daily-business-news-mhpronews-comArticle submitted by Matthew J. Silver to Daily Business News-MHProNews.

Manufactured Housing may Become the New American Dream

April 28th, 2015 Comments off

mfg home delivery  sfgate  creditWhile many studies have shown that homeownership continues to be a large part of the American Dream, the Joint Center for Housing Studies at Harvard University reports in 2013 home purchases fell for the ninth consecutive year, and homeownership has dropped to 65 percent, the lowest rate in 20 years. Incomes are stagnating, housing values are rising, credit is tight in the wake of the housing crisis and rents are rising in response to demand for rental units.

Although the chronicle-indpendent notes that manufactured housing (MH) has less than a squeaky-clean, all-American, apple-pie image, its price points are appealing, and people like L. A. “Tony” Kovach, publisher of MHProNews and MHLivingNews, who recoils at the words “trailer” and “mobile home,” are determined to bring manufactured homes into the mainstream as the quality and affordable housing alternative.

Since the federal government began regulating design and construction of MH in 1976 with periodic upgrades, quality and safety have increased substantially, and homes often are more energy efficient than site-built homes, with strong wind resistance and increased insulation. Newer ones offer sunken tubs, granite countertops, high-ceiling domed entryways and other appealing features found in more upscale traditional homes. The Census Bureau says the average price for a single-family home in 2013 was $324,000, while an MH average price is $64,000. Even attached garages and covered porches are available with MH, and still considerably less than a stick-built home.

Paul Bradley, president of Resident Owned Communities (ROC), an organization based in New Hampshire that assists residents of manufactured home communities in buying their communities to form co-operatives, sees MH as the future of affordable housing. “The subsidy pie is fixed, and the need is growing,” says Bradley of the current affordable housing stock — which is made up mostly of subsidized apartments. “People will start to look at low-cost production options, it has to happen eventually. ROC USA has helped finance 51 MHCs outside the state to the tune of $90 million, and more inside NH.

Today’s factory-built homes do not necessarily look like single-and-multi-section units that people associate them with. Bill Matchneer, one-time manager of the manufactured housing division at HUD, and former senior counsel with the Consumer Financial Protection Bureau (CFPB), says, “I see the modern manufactured home as equivalent to a typical site-built home, at about half the cost. We’re not talking about a mansion, but people would be surprised.

Marty Lavin, who owns manufactured home communities in New York, says many MH consumers will sacrifice interior quality to obtain more square footage, like substituting solid wood cabinets and doors for particle board in order to increase overall space. “If your financial circumstances are such that you can’t afford a $500,000 home on a quarter acre, a $100,000 home can satisfy your dream. That’s a great thing for many people,” says Lavin.

Many worry about depreciation of manufactured homes, but Datacomp Appraisal Systems completed a study recently of 185 MH in Michigan, comparing the average sale price and resale price, and discovered they are subject to the same factors as other homes. “The appreciation in value of manufactured homes comes back to the old real estate axiom — location, location, location,” read the study. “When properly sited and maintained, manufactured homes will appreciate at the same rate as other homes in surrounding neighborhoods.

Lavin says with rising home prices and stagnating wages, manufactured homes may be the ticket to the American Dream. ##

(Image credit: sfgate-manufactured home delivery)

matthew-silver-daily-business-news-mhpronews-comArticle submitted by Matthew J. Silver to Daily Business News-MHProNews.