Significant market for manufactured homes in TX, but this industry did not contribute to the subprime-lending situation that led to the housing crisis.  Yet the collateral damage inflicted on us will dramatically affect the way we serve these consumers.  The Dodd-Frank Wall Street Reform and Consumer Protection Act was intended to protect low-income homebuyers, but may instead wind up limiting their housing choices.  Its expected the bill will seriously damage the manufactured home industry by making it more difficult for buyers to obtain financing.  MUST CHECK WITH A LENDER CLOSELY TO BE SURE YOU CAN GET A LOAN FOR THESE HOMES AND WHAT WILL YOU DO WHEN YOU WANT TO SELL A MANUFACTURED HOME?