“We think that, frankly, $250,000, depending on the marketplace, could qualify as a small-dollar mortgage as well,” he said. She points out that the definition of a small-dollar mortgage is difficult to standardize nationwide because housing markets vary widely. She pointed to the Illinois Housing Development Authority’s small-dollar mortgage program as a potential model. Manufactured housing provisions, multifamily developmentsExperts also pointed to manufactured housing reforms as one of the most consequential parts of the new law. “It really opens the door for manufactured housing to play a bigger part in the housing ecosystem,” Cassidy said.