Manufactured Housing

Modern manufactured homes can be high-quality and affordable, particularly for low- and moderate-income families, and provide an entryway into wealth building that promotes long-term financial security. But owners often face high-cost financing and unfair practices and problems with construction and set-up remain despite improvements in recent years. NCLC works to promote sustainable policies and practices in manufactured housing, including the ability to title the home as real property and the preservation of manufactured home communities.

Resident Purchase Opportunity

Residents of manufactured home communities (also known as mobile home parks) face many problems and few states have effective resident protections.

Fundamental Freedoms in Manufactured Home Communities

The right to speak out and meet with others to advance common issues is important in any context, but it is particularly important to homeowners in manufactured home communities.

Titling of Manufactured Homes as Real Property

A major hurdle that prevents many owners of manufactured homes from enjoying the same benefits as owners of site-built homes is classification of the home as “chattel,” the legal term for personal property, as opposed to real property.

Duty to Serve

Under federal law, Fannie Mae and Freddie Mac have a duty to serve three underserved markets, one of which is manufactured housing.

From the NCLC Digital Library

Home Foreclosures

NCLC’s definitive treatise on all aspects of home foreclosures, including how state law governs whether a manufactured home must be foreclosed upon as real property or repossessed as moveable assets.

Read Chapter One

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