@Justin Hammond Wow $50k in American Fork is a great price, I'm sure the condition of the property reflects the reason for such a low contract price.I've sold multiple homes after they have been through probate being sold by the executor.

I tell him I want to take the car home today and I want the price to reflect condition etc...

Thanks Jay Jay, the lack of responses is likely not reflective of a lack of interest or knowledge amongst your BP peers.  

I think a better solution is identifying MH loans with a more realistic risk assessment and allowing rates to reflect the risk, just as secondary market loans do or use to do.

All the tools are there; it's up to you to set it up the way that best reflects your workflow. 

The products there are inferior to retail sales and the price reflects this fact.

I explained to them my limitations and approach but they threaten to not pay because they do not believe the bill reflects their usage.

This diversity is reflected in their housing preferences and priorities, driving demand for inclusive and culturally diverse communities that celebrate diversity, promote inclusivity, and provide equitable access to housing opportunities for all.In conclusion, the Millennial generation is reshaping the housing market in profound ways, influencing everything from location preferences and home design to technology integration and community development.

Im going to flesh out some of my thinking here and excuse if its convoluted as Im also here trying to figure this out in real time....Here goes...I think the spike of sales prices we saw in 2021 were people who were overpaying and not really reflective of the true value at that moment. 

I have been able to talk to a mortgage broker and have been approved for a loan as long as the appraisals accurately reflect the valuation.