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Resource Directory

Housing and Homeownership

The resources listed below fall under the issue areas of Housing and Homeownership. To view more publications, click here to return to the full list of issue areas in the Resource Directory.

A Downpayment on the Divide CFED
White households have much more wealth than Black and Latino households in this country, and the largest source of this wealth is often their homes. Given this, it is not surprising that homeownership is one of the most significant…
 
CFED Chattel Lending Pilot Comments CFED and NCLC
CFED submitted comments to the Federal Housing Finance Agency (FHFA) on a Potential Manufactured Home Chattel Loans Pilot program to help facilitate Fannie Mae’s and Freddie Mac’s (the Enterprises) duty to serve the manufactured housing…
 
HOTMA Comment Letter CFED
CFED's comments to the Department of Housing and Urban Development on the Department’s proposed implementation of the manufactured housing provisions of the Housing Opportunity Through Modernization Act of 2016 (HOTMA).
 
A Duty to Serve: Opportunities Ahead for the Manufactured Housing Finance Market Webinar Recording - Part 2 CFED & NCLC
In December 2016, the Federal Housing Finance Agency (FHFA) released its long-anticipated final Duty to Serve rule, specifying how Fannie Mae and Freddie Mac (the Enterprises) will meet their obligations to support three underserved markets,…
 
A Duty to Serve: Opportunities Ahead for the Manufactured Housing Finance Market Webinar (Slides) CFED & NCLC
In December 2016, the Federal Housing Finance Agency (FHFA) released its long-anticipated final Duty to Serve rule, specifying how Fannie Mae and Freddie Mac (the Enterprises) will meet their obligations to support three underserved markets,…
 
A Duty to Serve: Opportunities Ahead for the Manufactured Housing Finance Market Webinar Recording - Part 1 CFED & NCLC
In December 2016, the Federal Housing Finance Agency (FHFA) released its long-anticipated final Duty to Serve rule, specifying how Fannie Mae and Freddie Mac (the Enterprises) will meet their obligations to support three underserved markets,…
 
Titling Reform: How States Can Encourage GSE Investment in Manufactured Homes CFED

The new Duty to Serve rule adopted by the Federal Housing Finance Agency (FHFA) will give mortgage giants Fannie…

 
First Steps Toward a Resident Purchase Opportunity NCLC & CFED
A state policy that ensures manufactured home community residents have an opportunity to bid when their communities are for sale gives them equal rights with other potential buyers. Sometimes, however, advocates are unable to secure a…
 
Protecting Fundamental Freedoms in Communities CFED
This guide is a resource for anyone interested in safeguarding the rights of homeowners in manufactured home communities through state policy. Although there is a broad array of consumer protections that can improve the life of manufactured…
 
MANUFACTURED HOME COMMUNITIES IN CALIFORNIA: Policy Snapshot CFED & NCLC

The policy environment in California is highly favorable for manufactured housing. Homeowners’ rights in California manufactured home communities are protected by a series of strong statutes. In addition, many state programs exist that…

 
MANUFACTURED HOME COMMUNITIES IN MINNESOTA: Policy Snapshot CFED & NCLC

Overall, Minnesota has a strong policy infrastructure around protections for homeowners living in manufactured home communities. However, there is plenty of room for improvement in policies that govern how manufactured homes are titled,…

 
Steps Forward CFED
In the wake of the recent American home financing crisis and renewed attention to growing inequality in the United States, the landscape for manufactured housing policy and finance is a bellwether on what new impactful commitments can be made…
 
Texas Policy Snapshot CFED & NCLC

The policy environment in Texas is not as supportive of manufactured housing as it could be. The state lacks a number of important protections for homeowners living in manufactured home communities. There are no state-level policies that…
 

The State of Mobile and Manufactured Homes in Appalachia: Spotlight on West Virginia CFED
Low values, high energy usage and high vacancy rates among older mobile and manufactured homes are all evidence of the low quality of the oldest mobile and manufactured homes in Appalachian West Virginia. Many residents of these housing units…
 
The State of Mobile and Manufactured Homes in Appalachia: Spotlight on Kentucky CFED
Low values, high energy usage and high vacancy rates among older mobile and manufactured homes are all evidence of the low-quality of the oldest mobile and manufactured homes in Appalachian Kentucky. Many residents of these housing units…
 
The State of Mobile and Manufactured Homes in Appalachia: Spotlight on Tennessee CFED
Low values, high energy usage, and high vacancy rates among older mobile and manufactured homes are all evidence of the low-quality of the oldest mobile and manufactured homes in Appalachian Tennessee. Many residents of these housing units…
 
The State of Mobile and Manufactured Homes in Appalachia: Spotlight on Virginia CFED
Low values, high energy usage, and high vacancy rates among older mobile and manufactured homes are all evidence of the low-quality of the oldest mobile and manufactured homes in Appalachian Virginia. Many residents of these housing units…
 
The State of Mobile and Manufactured Homes in Appalachia: Spotlight on Alabama CFED
Low values, high energy usage, and high vacancy rates among older mobile and manufactured homes are all evidence of the low-quality of the oldest mobile and manufactured homes in Appalachian Alabama. Many residents of these housing units…
 
Comment Letter on Preferred Language Data Fields in the Redesigned Uniform Residential Loan Application CFED
Consumers with limited English proficiency (LEP) have faced significant challenges in the mortgage market as a result of originators and servicers failing to meet their language needs. The URLA redesign presents a unique and unprecedented…
 
Fact File: Homeownership Is Still Out of Reach for Millions of Households CFED
Homeownership has long been the leading source of household wealth in the U.S. However, the most recent housing crash stripped many Americans of much of their wealth, as home values plummeted and millions of homes went into foreclosure. These…
 

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