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MAJOR PROBLEMS 43 is the problem of what to do with mobile home pads at the end of the con- struction period when the need for them no longer exists. The poor appearance and austere surroundings of many mobile home parks in the Rocky Mountain Region negatively affect the quality of life in such communities. Poor living conditions are a source of many serious social problems, particularly for the wives and children of construction workers who must live under these conditions. The challenge will be to provide a sufficient number of mobile home pads at a cost acceptable to construction workers and in as attractive and well planned environments as possible. This is a challenge which can be met as evidenced by the efforts of the Yampa Project participants (including Colorado-Ute Electric Association) in Craig. Permanent Housing Financing problems associated with provision of permanent housing appear to be fewer and less complex. To some extent, permanent housing can prob- ably be successfully provided by relying primarily on existing financial mechanisms, both private and public. However, there are some concerns that must be addressed. Providing financing for housing in areas such as northwestern Colorado can present problems because the financial needs normally exceed available lo- cal funds. Commercial banks and savings and loan associations in western Colorado have limited resources relative to real estate capital needs; but there are mechanisms available to import capital, such as holding company relationships, correspondent banks or use of secondary mortgage loan mar- kets. The risks involved in providing mortgage funds in energy-impacted areas is another concern. There is a question whether the duration of the projects is sufficiently long enough to provide adequate assurance that loans will be repaid. Much of the risk and uncertainty in financing housing in boom town areas would be reduced by a national energy policy 0420