Danny Ghorbani-Seeking Alignment with Trump-Turner Vision and MHVille

"Yes, based on available sources, it is factually accurate that MHProNews critiqued the Manufactured Housing Institute (MHI) while its parent company was still an MHI member and while MHI and several MHI companies were MHProNews sponsors. 1 2 MHProNews has published numerous reports analyzing MHI’s policies, leadership decisions, and industry impact, even during its period of membership and sponsorship ties." So said Bing's AI powered Copilot as part of a fact-evidence-analysis (FEA) check of the new report linked here that featured the headline interview (Q&A) with Danny Ghorbani.

According to the RV MH Hall of Fame website, Ghorbani is an inductee of that organization. He has a nearly 60 year history that dates back to the mobile home era which preceded the HUD regulated manufactured home industry. As the new report with the Q&A details, Ghorbani is a former Manufactured Housing Institute Vice President as well as the founding President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR).

As the illustration below illustrates, Ghorbani has worked with both major parties in Washington, D.C. for decades. He understands from more than half-a-century of first-hand experience how the sausage of legislation is made and how regulatory agencies work (or don't).

While this may seem to be an industry specific issue, it must be recalled for newcomers to this "Reality Check" series for this Patch that without more millions of manufactured homes, taxpayer burdens and homelessness will grow. All forms of housing are needed, but manufactured housing is necessary for "inherently" affordable housing that doesn't require taxpayer subsidies.

Restated, manufactured housing is mathematically essential to solving the affordable housing problem.

That is a lesson that a careful review of the National Association of Home Builders (NAHB) and other sources of research and information clearly reveal to those who study the big picture and the facts.

Thus the importance of this new and exclusive Q&A between MHProNews and Ghorbani.

https://www.manufacturedhomepr...

Part I MHProNews Q&A with Danny Ghorbani

MHProNews QUESTION
President Trump recently celebrated the first 100 days of his second term as President, as well as his accomplishments during that period. In addition, there have been a flurry of activity by President Trump, his Administration and other entities in the housing, mortgage and home finance industries that could broadly affect federally regulated manufactured housing. We have a general question to ask you so our readers can better grasp the relevant interplay or details among those diverse factors. More specifically, because manufactured housing is the only segment of the U.S. housing industry that is subject to comprehensive federal regulation regarding production, although state and local governments can impact how HUD Code homes are treated post-production after they leave production centers. MHARR suggested in a recent headline that it seeks “alignment” of the manufactured housing industry with President Trump and HUD Secretary Scott Turner’s stated goals for more affordable home ownership. Please elaborate on your expert views and opinions on those notions and topics for our manufactured home industry readers.

Danny Ghorbani's ANSWER
I would like to start by stating that I cannot remember another United States President in my life who has done more and faster than President Trump in his first 100 days. When you think of the President's more than 140 Executive Orders, added to his pending "BIG BEAUTIFUL BILL" and his April 2nd “Liberation Day” tariff policies in a mere 100 days is a backbreaking pace. No other U.S. President before this second term of President Trump has ever undertaken (including his first term) as much. I truly doubt any future U.S. president could equal this start. So, let's give President Trump plenty of credit for what’s been done and started.

That said, it is safe to assume that much of President Trump's undertakings will have long-lasting directly and indirect effects on the housing/mortgage/finance industries. We can expect positive results.

President Trump doubled down and expanded on his first term vision, views, goals and policies in changing the federal government's role in housing. Decades of subsidies for homeownership and rentals didn’t solve the housing crisis. Enabling consumers to own their own home benefits affordable housing seekers and all those who authentically support affordable homeownership.

Comprehensively federally regulated manufactured homes are critical to that vision and provide President Trump and HUD Secretary Scott Turner the opportunity to address key bottlenecks that have stymied the growth of the industry.

As an aside and in my view, somebody should tell the folks at the Manufactured Housing Institute (MHI) that they made a big mistake when they decided without any rationale or reasonable explanation to change the industry's two successful, well established and good-as-gold themes from "AFFORDABLE HOME and FACTORY BUILT HOME" to the meaningless "attainable home” and “off-site built home." By doing so, they have created chaos and confusion which is now manifesting itself in the newly introduced bi-partisan legislation named "Housing Supply Framework Act" or (HSFA), that needs to be corrected.

President Trump's selection of Scott Turner for the Secretary of Housing and Urban Development (HUD) may prove to be particularly good for our industry.

I’d urge MHI, the manufactured housing industry’s self-proclaimed post-production sector’s national rep, to recognize the window of opportunity that Trump 2.0 and Secretary Turner could mean for consumers. Logically, if something benefits millions of potential affordable housing/manufactured home consumers, that can obviously benefit producers, retailers, investors and others.

In my opinion, MHI failed miserably during the Trump Administration's first term with then HUD Secretary, Dr. Ben Carson. Our industry, consumers, and taxpayers have paid dearly for it ever since.
Back to current HUD Secretary Turner. I encourage MHProNews readers to review and consider Secretary Turner's March 19, 2025 interview with Punchbowl News.

That interview clearly reveals Secretary Turner’s basic views and goals on advancing "AFFORDABLE HOMEOWNERSHIP" for American homebuyers. I may sound a bit biased because Secretary Turner is a fellow alumnus of the University of Illinois. But in advancing “opportunity zones” during President Trump's first term, now-Secretary Turner's vision, pragmatism, and results-oriented approach paralleled those of the first term of the president.

That continues to be the case today.

In fact, on April 22, 2025, Secretory Turner along with Arkansas Governor Sara Huckabee and Congressman Steve Womack (R-AK) participated in an "Opportunity Zones" roundtable before taking a tour of Fayetteville's Hillcrest Towers, a public housing complex.

During the visit, Secretary Turner shared his hopes for those who currently rely on government housing, stating: "My heart is not to grow the amount of people on subsidies. My heart is not to grow the amount of people that need government help. My heart is to get people off of subsidies and live a life of self-sustainability."

Sec. Turner is correct. Because some of HUD’s own researchers revealed that 50 plus years of federal subsidies has not solved the affordable housing crisis. While all kinds of new housing construction can be useful, only HUD Code manufactured homes are “inherently” affordable as HUD itself defines affordable housing. Subsidies may benefit certain landlords or some who are struggling, but how does it benefit those who don’t qualify for subsidies or the millions who could qualify for the financing needed to buy a manufactured home?

Speaking of financing. President Trump's apparent skeptical view of Fannie Mae and Freddie Mac is a breath of fresh air for our industry and our consumers who have been tortured by these two incompetent and worthless organizations for nearly four decades. But in my view, the Government Sponsored Enterprises (GSEs) and those who benefit from the status quo have been much worse since 2008. This is because Fannie and Freddie continue to resist the full and proper implementation of the Duty to Serve Underserved Markets provision of the Housing and Economic Recovery Act (HERA) of 2008.

The Enterprises’ miserable failure to comply with that unambiguous law is at the root of the other post-production bottlenecks (i.e., chattel loans at fair and reasonable rates) that has bedeviled our industry. Nearly 80% of HUD Code consumers -- who are mostly moderate- and lower-income homebuyers – are currently pushed into chattel loans at much higher rates with Clayton Homes' Vanderbilt Mortgage and 21st Mortgage companies, the largest providers of such loans in the absence of DTS.

So, it is obvious that Fannie Mae and Freddie Mac need major reforms that have long been overdue and ignored.

President Trump has already taken one potentially helpful action by appointing Bill Pulte Director of the Federal Housing Finance Agency (FHFA), the organization that regulates these two runaway government-chartered corporations, as a new board member of Fannie Mae. Thus, Director Pulte could bring about some common-sense to one of them. But deeper and more expansive reform of the two mortgage giant GSEs, which get taxpayer backed benefits, while defying the implementation of the straightforward Duty to Serve law should not be tolerated.

On a related note, President Trump's persuasion and cajoling of the Federal Reserve's Chairman, Jerome Powell, to lower interest rates should pay dividends to both the housing industry and its consumers.

There is no better friend to the housing industry and consumers than lower interest rates on home loans.

Low rates are as or more important to the manufactured housing industry which serves the moderate and lower-income American families. The lack of chattel lending support for the manufactured housing industry is part of the assault by Fannie Mae, Freddie Mac, and those who benefit from that status quo.

Also important is the President’s "BIG BEAUTIFUL BILL" which, among many other things, would extend the Trump tax cuts, and help the economy by putting more money in people's pockets, including potential home buyers as well as smaller businesses.

This next point is so important. President Trump's continuing efforts to both cut unnecessary federal regulation and make the federal government more efficient will have far-reaching effects on all businesses. But it could be especially useful to industries like ours that are comprehensively regulated by the federal government.

I doubt that millions of Americans realize just how wasteful, bloated, abusive and out of touch governments at all levels have become.

Folks who work in comprehensively regulated industries understand because they see and feel it every day that they go to work.

The manufactured housing industry has busted its behind and created two landmark laws that would double, triple and arguably quadruple the industry's production within a few years.

Meanwhile the industry could be providing affordable homeownership to potentially millions of Americans. The fact that currently it cannot do so because of government resistance to their full and proper implementation is a perfect example of government's wasteful, bloated, abusive and out of touch mentality and actions.

To be sure, in the case of our industry, a large share of the blame must rightly and squarely be placed on MHI, which is the industry's self-proclaimed post-production representation. But a good association’s job is supposed to be to advocate for all of its members, not just favored ones.

Be that as it may, the fact remains that thanks to the creation of MHARR in 1985, which led the fight and successfully reformed the old trailer laws, the United States Congress passed those two laws in a widely bipartisan way. But the relevant federal agencies and the GSEs obviously continue to resist their full and proper implementation.

Put simply, our industry and our consumers can no longer tolerate these types of ridiculous failures by a representation that gets paid handsomely by our hardworking post-production retail, community, finance, transport, installers, insurance, suppliers and others.

Fortunately for our industry, with President Trump's second term, we have a second opportunity to correct these failures and do the right thing for all members of our industry and not just a few companies.

In my view, the post-production representation of the Manufactured Housing Institute (MHI) totally wasted the Trump Administration's first term. They wasted the opportunity of working more productively with a similarly like-minded HUD Secretary in Dr. Ben Carson while he was in office. Secretary Carson was clearly ready and willing to advance our industry.

Now, in this second Trump Administration, the President and Secretary Turner have already etched in stone their vision and goal of "AFFORDABLE HOMEOWNERSHIP" for American home buyers.
As I personally explained to Secretary Turner at his March 25, 2025 meeting with MHARR executives, such a great undertaking and cause can best be achieved by full inclusion and participation of the HUD regulated manufactured housing industry.

As usual and to its credit, MHARR has once again taken the lead for the entire industry and openly and publicly reported all the steps it has taken and will continue to take since its Board of Directors meeting on Friday November 8, 2024. That was just three days after President Trump's victory on November 5, 2024 election.

Hopefully, the rest of the industry will wake-up and do the same in order to seek manufactured housing’s alignment with President Trump's and HUD Secretary Turner’s vision and goal of "AFFORDABLE HOMEOWNERSHIP" for the most positive outcome and results for consumers and other stakeholders going forward.

Danny Ghorbani
May 2, 2025

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Part II - Additional Related Information plus other "Reality Check" series for this Patch topics

In no particular order of importance are the following added facts, evidence, and observations.

1) The Manufactured Housing Institute (MHI) announced they will have HUD Secretary Scott Turner as their keynote speaker at their upcoming Orlando, FL event.

https://www.manufacturedhomeli...

2) There is little doubt that MHI has been hawking tickets to their Orlando "Congress and Expo" event because Secretary Turner will be present. MHI has done this previously, apparently using HUD Secretary Ben Carson in a similar fashion.

There are evidence-based reasons to wonder if anyone associated with the inner circle of MHI or at HUD advised then HUD Secretary Ben Carson about the controversies connected to prior MHI chairman Joseph “Joe” Stegmayer,” who along with MHI member Cavco Industries was hit by an SEC suit. Public officials and heads of state often had to meet with greet notorious figures. That handshake should not automatically be considered as an endorsement.

3) Secretary Turner may or may not be aware by his staff of the array of controversies linked to MHI members and their CEO, Lesli Gooch, Ph.D. For instance, at HUD's Office of Manufactured Housing Programs (OMHP), Teresa Payne is said per a source deemed reliable to be a regular reader of MHProNews.

Payne has worked with people thought to be on the political left, including previously ousted HUD OMHP Administrator Pamela Beck Danner. Danner was reportedly ousted following an evidence-supported complaint by this writer for this Patch and MHProNew to HUD's investigative unit, but it is unclear if the two are connected.

4) To the point raised by Danny Ghorbani in the Q&A above, manufactured housing ought to be a primary tool for solving the affordable housing crisis. That was Congressional intent in passing the widely bipartisan Manufactured Housing Improvement Act and its "enhanced preemption" authority.

To learn more, see the deeper dive an AI fact-check supported article linked here or below.

‘Endemic Mismanagement of HUD Manufactured Housing Program’ Nom Turner

'Restoring and Expanding Affordable Housing Role of Manufactured Homes'–MHARR Letter Cites 2000 Reform Act, "Enhanced Preemption" Much More

Manufactured Home Groups Split in Transparency Amidst Housing Crisis

Blend of human expertise w/AI fact checks and commentary by Gemini, Copilot, and xAI's Grok help unpack causes-solutions to housing crisis.

There are concerns about MHI's CEO Lesli Gooch, as this Patch previously spotlighted.

https://patch.com/florida/lake...

Consider these two Q&As with Copilot. One deals with CEO Lesli Gooch, and both deal with evidence-based concerns with MHI.

https://www.manufacturedhomepr...

Other topics follow. Thanks for checking in for this installment of the "Reality Check" series for this Patch.

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Robert Romano - After Trump’s First 100 Days, The Best Is Yet To Come

David Dayen v Carrie Sheffield - Left/Right Views on NPR and PBS Cuts

How Advocates Like Fran Quigley-Robert Reich Shape Housing Narratives

Expert & Copilot Intro: how Corporations-Associations-Nonprofits-Advocates Omit Key Affordable Housing-Manufactured Home Facts+HUD's Turner

Electric Vehicles (EVs) Green? New and Prior Videos Spotlight Issues

Bethany Blankley: 'ICE Arrests Nearly 800 in Miami Florida Operation'

California’s Homeless Crisis Shows Need for Government Accountability

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Top Florida Senate Democrat Quits: 'Dem Party in Florida Is Dead'

ActBlue - Two Sides of a Looming U.S. Democrats vs. Republicans Drama

Big Tech Accused of Crime of Illegally Hiring Immigrants vs. Americans

MHARR-Housing Supply Framework Act Could Benefit New Home Production

Pope Francis dies at 88 - What is next for the global Catholic Church?

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Get Real Evidence for Jesus Christ, Easter & the Resurrection Miracle.

Dealmaker-In-Chief: Trump Given Room for Tariffs As Negotiation Tactic

American Dream of Homeownership is Slipping Away-Association Spotlight

Congressional Lawmakers "Monopoly Busters Caucus" to Fight High Costs

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Young Leaders' Faith Behrens on Gov. Ron DeSantis and Florida's Future

Congress Must Now Cut Taxes and Regulations plus Trump Tariff Insights

ESG Ruling Puts New Pressure on Public Pension Funds and BlackRock

Trump Team Secures Southwest Land Border-Lowest Encounters Since 2000

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Manufactured Housing Misses-Experts and Insiders Critique MHI Failures

Hybrid journalism blends human expertise and insights with AI backed fact checks: "Untapped Potential" "Action Over Apathy" Supplanting MHI

Real Reason Behind Left’s Freak-Out About the Department of Education?

Is There a Recession Ahead? John Carney's Fact-Packed Insight & Answer

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Americans Mostly Support Trump On Deportation vs Activists Fighting it

Manzanita Miller unpacks new survey insight most 'Americans Side With Trump On Deportation—Not w/Activists Fighting For Illegals and Gangs.'

Lakeland Study Test Frank Rolfe Claim "Mobile Homes" Lower Prop Values

Hybrid Expert Human Study Combined with Multiple AI Powered Fact Checks plus 3rd Party Research Expose Disputed Claims in Critical Reporting

Manzanita Miller-Trump Tax Cut Helped Middle Class-Extension Welcomed

According to Manzanita Miller, the "Trump’s Tax Cuts Benefited The Middle-Class And That Is Why Extending Them Is Wildly Popular" LATK FEA--

New Manufactured Home Production Trend UP But Research Raises Concerns

Manufactured Housing Association for Regulatory Reform (MHARR) Released Jan 2025 data that reflects continued improvements since 2023 but...

VP Vance-Illegal Immigrants Squeeze U.S. Citizens from Home Ownership

Bill Wilson - "A Mistake From The Past That Can Be Avoided"

GROK Affordable Housing Crisis Thesis-‘This Ain’t Theory—it’s a Heist’

Fact Checks by Grok-Copilot-Gemini Point to Problems at Manufactured Housing Institute that help Explain 21st Century Manufactured Home Sales

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Is Decline in Christianity in U.S. Over? Pew Research Suggests It Is

Numbers of Those Praying and Attending Religious Services or Mass Have Stabilized According to Recent Findings Including a Big New Pew Study

Feb 2025 sees Lowest Number of Border Crossings in Modern USA History

HUD Sec Scott Turner Tension with HUD Research v Local Zoning Barriers

GROK reports on "Most Comprehensive" article on Sec Turner's recent remarks to WMAL, CPAC, and on challenges to solve affordable housing.

Dems Fretting Over Billionaires Are on Billionaire Dole for Years

Audrey Streb-for DCNF and via Daily Signal: Democratic Officials that Criticized Wealthy Despite Taking Funding from Billionaires (Ouch!)

Rob Romano-Who Controls Foreign Policy? President Or District Courts?

'Sexual Deviants' in Federal Service to be Fired-per DNI Tulsi Gabbard

More on those and other topics in this eclectic "Reality Check" series here on this Patch.

Big Majority Approve DOGE-Plus Political Cartoons to Muse and Amuse

THE Reality Check-All of Us Have Been Manipulated & Lied to-E. Nickson

Dan Bongino to FBI - 'We’re About to See it All. It’s All Coming Out.'

Larry Elder on 'Supercharging the U.S. Economy' Using a Proven Method

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Democrats and GOP both 'Underwater' in New Poll-But Guess Which Leads?

By the Numbers - Evidence of Discrimination Against Believers in God

Employees! It is ‘Not Free Market Capitalism It’s Corporate Feudalism’

HUD Sec Turner-'Corporate Takeover of Housing—A Manufactured Crisis'

'Trump Is Leading a Historic Counterrevolution Against the Deep State'

Federal Racket-Follow the Money-Tammany Hall 2.0 and Big U.S. Media

U.S. Manufactured Home Industry Production 2024 Total Up per MHARR

(Note MHARR is short for the Manufactured Housing Association for Regulatory Reform.)

Scott Turner Confirmed Secretary of Housing and Urban Development-Official HUD+Manufactured Housing Association for Regulatory Reform (MHARR) News Releases; Manufactured Home Generational Wealth

> ‘Endemic Mismanagement of HUD Manufactured Housing Program’ Nom Turner

'Restoring and Expanding Affordable Housing Role of Manufactured Homes'–MHARR Letter Cites 2000 Reform Act, "Enhanced Preemption" Much More...https://patch.com/florida/lake...

> Big Govt, Big Pharma, Big Food made Americans Overweight and Unhealthy

> Virginia Bishop for ‘Well-Regulated Borders’ Amid VP J.D. Vance Rumble

> Romano-Trump Bans DEI In Federal Govt—States And Corporations Are Next

> How Republicans Should Follow Through on Tough Talk on Immigration

> NPR=87 Registered Democrats in Editorial Positions and No Republicans

> President Donald J. Trump’s Official 'America First Priorities'

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> Rubio Senate Replacement Ashley Moody (FL-R) Gets Key Assignments

> Trump Plan: Make America Safe, Affordable, Restore U.S. Values for All

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> Official Manufactured Housing Production from 1995-2023-Why it Matters

> Anna Paulina Luna (FL-R) and Barry Loudermilk (GA-R) MERIT Act Insight

> Executive Orders on Investigating Biden Censorship & Weaponization

> Floridian Dr István Dobozi Strikes at Trump Again in Magyar Article (Another critical analysis - fact check).

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> Why do Liars Lie? Why do those Engaged in Paltering and Spin Palter?

> Controversy-Manufactured Housing Institute-Lesli Gooch-Mark Bowersox

> ‘Mobile Home Values Rising Faster Than Single-Family’ House-Wow Fact$

> Realtor-What Is a Manufactured Home? The Next Step Beyond Mobile Homes

> Orlando RE Agent Smith-Younger Adults Will Need $8500 Monthly for Rent

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> Rob Romano-Time To Declassify Everything, Or Another RussiaGate Ahead

> Contemporary Tips from Legend Paul Harvey-Surprising Rest of the Story

> Alert: Is Affordable Housing Linked Scandal at Champion Homes Brewing?

> Report: Biden-Harris Federal Agencies Spent Millions Torturing Cats

> Lesli Gooch Ph.D.-Award, Coverup, Headfake, Scandal? Rest of the Story (Manufactured Housing Institute linked)

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> ALG Unpacks Trump Pitch to Cut Drug Costs by Cutting PBM Middleman

> Is there Evidence that God Exists? Evolution vs. Intelligent Design

> Democratic Voters-Closer Look at Biden’s Acts Before Biden-Harris Exit

> Christian Leaders-Signs of 4th 'Great Awakening' Millions go to Jesus

> Attorney John Morgan - Democrat Megadonor on Kamala Harris Campaign

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> USA Today - David Plouffe and Dem Advisers on Kamala Harris Revelation

> Majority OK Trump Transition-Mass Deportations-Tariffs- Is it Hopeful?

> Niskanen Center Praises Manufactured Home ‘Cost Savings’ and ‘Quality’

> Alice Carter-The Northern Forum-Deporting Immigrants & Housing Crisis

> Cartoons-Kamala Day 1, DOGE the Swamp, Brainwashing, & Out In the Cold

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> The Creepy Line-Peter Schweizer-Dr. Jordan Peterson-Dr. Robert Epstein

> Secret State Miniseries - Fictional TV Series Shed Light on Reality

> Trump Transition Team Asked to Prioritize Affordable Housing Issues

> Top 10 States for Homelessness & Top Cities for Crime=Shocking Lessons

> WashPost-American Dream Fades But Assoc CEO Mark Weiss Shows Solution

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> Blankley-Goodbye American Dream? Only 10% Polled Can Buy a House; But

> Frank Rolfe-Special Interests ‘Don’t Want to Solve Affordable Housing'

> TARK-‘I’m a Teen and Know the Solution to Affordable Housing Crisis’

---> Renting? Rent too High? Odds Are DOJ Suit vs RealPage Matters to You

> New-Certified “Half Price Homes” - Affordable Housing Solution Redux

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> Solution: “Would-Be Homebuyers Need 80% More Income Than 4 Years Ago”

L. A. “Tony” Kovach is a publisher who has earned multiple awards in history. He and his family live in a manufactured home on private property in Winter Haven, FL. He is the co-founder of Manufactured Home Living News.com (MHLivingNews.com) and Manufactured Home Pro News.com (MHProNews.com), trade publications serving segments of the manufactured home industry. Having worked in several segments of the manufactured home industry for over 3 decades, Kovach is a widely acknowledged and often praised expert on manufactured housing. ###

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