Noise, Smoke and the Truth About Manufactured Homes and Loans

Cutting Through the Fog of Partisan Media Wars

The United States faces an affordable housing crisis, and manufactured homes serve as a vital solution for folks of modest means.”

– Secretary of the U.S. Department of Housing and Urban Development, Julian Castro

LAKELAND, Fla. February 18, 2016 — In the fog of partisan media wars, it is hard to sift through the noise and smoke to discern the objective truth.

This is the case with affordable housing, an issue that is — and should be — nonpartisan, but has become muddled by special interest groups that have managed to use the media to promote personal agendas diametrically opposed to the public interest.

The result is distraction from the real issues, and confusion on the part of Congress and policy-makers.

Those who pay the highest price are the very people these entities are charged with protecting: ordinary folks who want nothing more than an affordable home to secure the future of their families.

Inside MH has distilled the bare facts to their purest form in a 10-minute video that cuts through the noise and smoke with the insight and clarity of decision-makers on the front lines — in their own words.

This brief, but powerful video presentation features Julian Castro, head of the U.S. Department of Housing and Urban Development (HUD); Richard Cordray, director of the Consumer Financial Protection Bureau (CFPB); and Sen. Bob Corker (R-TN).

What these key players have to say underscores the 2014 report issued by the Government Accountability Office (GAO), which showed manufactured homes (MH) to be the most affordable form of housing, in terms of both lower total cost and lower monthly payments.

Their words illuminate what is at stake for millions of Americans who are trying to make the transition to affordable homeownership. Yet these perspectives confound, as well: The solution seems clear, but how to get there is mired in the fog of misinformation unleashed by the special interests.

Enter Sam Landy, CEO of UMH Properties, whose firm made millions of dollars in MH loans before deciding that the legal risks were too great, due to the unintended consequences of how Dodd-Frank is being applied to manufactured housing.

As a lawyer and a lender, Landy brings clarity and reason in explaining how the current application of CFPB regulations to manufactured housing harms consumers, businesses – and thus the public interest.

The hours of distractions planted in media outlets melt away in less than 10 minutes as Castro and others make clear that modern manufactured homes are a vital part of the solution to America’s affordable housing crisis — and how regulatory hurdles are standing in the way.

Manufactured homes aren’t just a product; it’s a process of building a greener, safer, smarter, lower-maintenance and money-saving homes enjoyed by frugal millionaires, the upwardly mobile, the middle class, working class and even the poor.

In an era of economic challenges, manufactured homes offer good jobs for Americans from coast to coast. MH saves money, which is necessary for millions of retirees, Millennials and people from every socio-economic and demographic group.

It’s all here in the video embedded in Noise and Smoke vs. Facts About Manufactured Homes and Lending:


Photo Caption – left to right – Senator Bob Corker (R-TN), UMH CEO Sam Landy, CFPB’s Richard Cordray, HUD Secretary Julian Castro. Image credits – stills from MHLivingNews video.

About Us and are the leading trade publications for manufactured home consumers and MH industry professionals and investors who want up-to-date lifestyle and business news.

Media Contact:

L. A. “Tony” Kovach

Publisher –

Phone: 863-213-4090


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