Your principal residence, for purposes of the credit, is defined where you live most of the time and can include a house, houseboat, mobile home, co-op, condo and a manufactured home.

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That wasn't what analysts were expecting earlier this year, when some predicted another strong year for manufactured-home sales.

WSJ: Tide Changes for Manufactured Housing

Lenders to manufactured-home buyers say many of their loans would fall into the high-cost category with this regulation, which goes into effect in January.

WSJ: Prebuilt Loan Predicament

The lackluster sales have altered the plans of some manufactured-home companies that were expecting such housing to play a bigger role as the housing market remade itself following the crash.

WSJ: Tide Changes for Manufactured Housing

We finance more manufactured-home buyers than any other company.

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Why are we still selling home-grown crops but not domestically manufactured cars or trucks?

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Nevertheless, due primarily to the negative impressions many people have about so-called "trailer parks, " the value of a manufactured home is less than a third of a comparable site-built home, even when variables such as neighborhood, structural characteristics and geography are controlled, according to an analysis published in the Journal of Real Estate Research.

WSJ: 'Luxurious' Mobile Homes?

These were sleeker versions of the clunky ones being manufactured by state-owned monopolies back home.

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