Manufactured Housing Lending Act
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Summary
This bill requires the Federal Housing Finance Agency to direct Fannie Mae and Freddie Mac to each establish a pilot program for purchasing manufactured home loans classified as personal property. The pilot programs must begin purchasing or sharing financial risk on newly originated or existing loan portfolios within one year of establishment. The programs must incorporate consumer lending protections, require financed homes to be located in nonprofit, government, or resident-owned communities with lease terms exceeding the loan term, and allow the enterprises to earn a reasonable but below-market economic return.
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