text: population | Daily Business News
  Manufactured Homes Generate Wampum on Tribal Lands
  November 30th, 2015 Matthew Silver	Comments off
  MHProNews has learned from indiancountrytodaymedianetwork that in five counties within the boundaries of American Indian reservations in South Dakota, where the Indian population comprises a large majority of residents, a higher percent of mortgage lending went to white people in 2014. A total of $3.3 million was loaned or invested.
  Corson County had four mortgages, Dewey County had eleven, Todd County saw nine mortgages, and Ziebach had five. The population of these four counties is 20,000.
  Oglala Lakota County, with a population of 13,000, received $475,000 for 29 loans, 18 percent of which was for manufactured homes (MH). Forty percent of the amount was for home improvement loans, but the average financing was $15,500.
  Date collected under the Home Mortgage Disclosure Act (HMDA) reveals Ziebach County, where 40 percent of the financing was for MH, saw $556,000 in mortgage finance originations and $194,000 through the secondary market. Nearly half the borrowers were white, although almost three quarters of the residents are Indian who received just over 25 percent of the loans.
  Todd County saw the highest amount of loans, $990,000–80 percent was private lending, of which about one-third was for MH. Native Americans comprise 85 percent of the population, received just over half of the loans.
  Corson County's four mortgages in 2014 totaled $326,000, $168,000 of which was non-government lending. Half of the lending was for MH. One third of he lending went to white people, comparable to their make-up of the county.
  In Dewey County, $795,000 was loaned with 73.3 percent going to whites who comprise 25 percent of the population. ##
  (Photo credit: netnewsledger/Christopher Kat–manufactured home being delivered in the north country)
  Categories: Business, home buyers, Manufactured Homes, News Item	Tags: American Indian reservations, Corson County, Dewey County, home mortgage disclosure act, Indian population, indiancountrytodaymedianetwork, manufactured homes, MHProNews, mortgage lending, Oglala Lakota County, population, Todd County, Ziebach County
  Modular Housing Development Planned for United Kingdom
  The Spinelock Group in Mansfield, England is planning its first development of 18 energy efficient, modular homes in the central part of the country. Each home is comprised of four modules and when finished will be 30 percent larger than neighboring houses, bright, airy and spacious with energy bills below $200 annually, an estimated savings of $650 a year. The modules lock together using an innovative locking mechanism and are designed to be low maintenance, according to what bdaily.co.uk tells MHProNews. CEO Derick Wilson of Spinelock, says, "The UK housing industry is facing two major challenges over the next few years – to deliver enough affordable, quality housing to accommodate a growing population and to reduce carbon emissions by 80 per cent by 2050, all in the midst of an economic crisis. We want to revolutionise the UK housing industry and demonstrate that innovative thinking, new technology and working closely with local authorities, businesses and communities can provide a practical solution to the UK housing crisis."
  (Photo credit: constructiondigital–United Kingdom)
  Categories: Business, Communities, Factory-Built Homes, Green, home buyers, Modular, News Item	Tags: carbon emissions, CEO, challenges, derick wilson, economic crisis, energy bills, England, housing development, housing industry, innovative thinking, local authorities, low maintenance, MHProNews, midst, modular homes, modular housing, new technology, population, practical solution, United Kingdom
  Harvard's Housing Study: Affordable Senior Housing may be Scarce
  Although the aging-in-place movement for seniors is very strong, an estimated 16 million senior households will be relocating within the next decade, while the number of 65-and-older households is estimated to increase by 9.8 million in the same time span. "Most of these households will opt to age in place and may therefore need to modify their homes to accommodate their changing needs. But a large number will look for different housing opportunities, creating demand for new types of units in communities where they currently live as well as in the areas that traditionally attract retirees," according to the Joint Center for Housing Studies of Harvard University. Their State of the Nation's Housing report for 2013 says home modification, transportation networks and other supportive services will also have to be reconfigured to meet the needs of aging seniors. As MHProNews has learned from seniorhousingnews, many seniors are entering retirement with little savings, which may make it challenging to find suitable housing. The report concludes, "Expanding the range of housing options available to the country's growing senior population will require concerted efforts from both the public and private sectors."
  Categories: Economy, home buyers, News Item, People, Trends	Tags: concerted efforts, Harvard University, households, housing studies, MHProNews, next decade, population, public and private sectors, retirement, Senior Housing, Seniors, state of the nation, supportive services, time span, transportation networks
  Micro Housing for the Masses
  The 1984 video game Tetris has seemingly inspired a Beijing modular, micro-house made of a series of easy-to-assemble, stackable units, as mothernaturenetwork informs MHProNews. Furniture surfaces and envelopes for storage are part of the fiber-reinforced blocks when assembled into a unit, which includes bedroom, bathroom and office modules, interlock-able and all of which fit into a shipping container. More cross-shaped modular rooms can be added. The minimal dwelling is aimed at making private housing available for the general population.A prototype is on display in a Beijing park.
  Image and photo credit top and bottom: Liu Lubin-Designboom/mothernaturenetwork)
  Categories: Business, Factory-Built Homes, Modular, News Item	Tags: beijing, dwelling, envelopes, furniture surfaces, game tetris, MHProNews, population, prototype, shipping container, storage, video game
  More Modulars Needed on Reservations
  The huffingtonpost says an over-used two-bedroom one bath modular home that once housed 13 Oglala Sioux on South Dakota's Pine Ridge Reservation now graces the National Mall in Washington, D.C. after being placed in front of the U. S. Capitol April 17 as part of Trail of Hope for Indian Housing. In an attempt to raise awareness about the terrible conditions of housing in Native American communities across the country, Paul Iron Cloud, of the Oglala Sioux Housing Authority, says Pine Ridge has 1,100 adequate homes, needs 4,000, but because of government budget restrictions can only add ten homes a year. While the population grows and housing conditions continue to deteriorate, federal funding for Native American housing has been flat the last several years, and will likely see cuts this year due to sequestration. MHProNews has learned independently that Allen, South Dakota, on the Pine Ridge Reservation has the lowest per capita income in the U.S.
  (Photo credit: Wikipedia–Pine Ridge Indian Reservation)
  Categories: Advocacy, Communities, Factory-Built Homes, Modular, News Item	Tags: budget restrictions, government budget, graces, housing authority, huffingtonpost, last several years, MHProNews, modular home, native american communities, native american housing, oglala sioux, pine ridge reservation, population, sequestration, South Dakota, Washington D.C.