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<abstract>Pending legislation to the Federal Housing Administration&apos;s
(FHA) Title I Manufactured Home Loan program would increase loan
limits, insure each loan, incorporate stricter underwriting
requirements, and set up-front premiums. GAO was asked to review
(1) selected characteristics of manufactured housing and the
demographics of the owners; (2) federal and state consumer
protections for owners of manufactured homes; and (3) the
potential benefits and costs of the proposed changes for
borrowers and the federal government. In addressing these
objectives, GAO analyzed select Census data; researched federal
laws and laws in eight states; interviewed local, state, and
federal officials; and analyzed various scenarios that might
affect Title I program costs</abstract>
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