Bloomberg.com reports excerpts from billionaire investor Warren Buffett’s annual letter to Berkshire Hathaway Inc. shareholders Saturday. On the topic of home buying, Buffet urged the policymakers who are getting ready to overhaul the nation’s home loan policies to consider the example of Berkshire’s manufactured home unit, Clayton Homes, which also finances purchases of manufactured homes.  Buffett said Clayton avoided any sort of housing crisis by requiring meaningful down payments and trying to match fixed payments to a sensible percentage of income.  Clayton also retained ownership of its loans.  “Home ownership makes sense for most Americans, particularly at today’s lower prices and bargain interest rates,” he affirmed.  “Our country’s social goal should not be to put families into the house of their dreams, but rather to put them into a house they can afford.”