Financing Your Texas Home
We offer flexible financing options for every buyer and budget. From first-time homebuyers to veterans, we have a program that fits.
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Estimated Monthly Payment
$719/mo
Estimates only. Actual rates and terms vary based on credit, income, and loan program.
Financing Programs
Compare our financing options to find the best fit for your situation.
Conventional Financing
Traditional mortgage financing for manufactured homes on permanent foundations. Competitive rates and flexible terms for qualified buyers.
Requirements:
- 620+ credit score
- Stable income
- 5% down payment
- Debt-to-income ratio under 43%
Best for: Buyers with good credit purchasing homes on permanent foundations
FHA Loans
Government-backed FHA loans with low down payments and flexible credit requirements. Perfect for first-time homebuyers and those with less-than-perfect credit.
Requirements:
- 580+ credit score
- 3.5% down payment
- Stable employment
- HUD-approved home
Best for: First-time buyers and those with lower credit scores
VA Loans
Exclusive VA loans for veterans, active-duty military, and eligible spouses. No down payment, no PMI, and competitive rates as a thank you for your service.
Requirements:
- VA eligibility
- Certificate of eligibility
- Stable income
- HUD-approved home
Best for: Veterans, active military, and eligible spouses
USDA Rural Development
USDA rural development loans for homes in eligible rural areas. Zero down payment and below-market rates for qualifying properties.
Requirements:
- Rural area eligibility
- 640+ credit score
- Income limits apply
- Primary residence
Best for: Buyers in rural Texas areas with moderate income
Chattel Loans
Personal property loans for manufactured homes not on permanent foundations. Faster approval and less stringent requirements than traditional mortgages.
Requirements:
- 575+ credit score
- 10% down payment
- Stable income
- Home not on permanent foundation
Best for: Homes on leased land or without permanent foundations
In-House Financing
Our flexible in-house financing program for buyers who may not qualify for traditional loans. We work with you to find a payment that fits your budget.
Requirements:
- 500+ credit score
- 10% down payment
- Proof of income
- Texas residency
Best for: Buyers with credit challenges or non-traditional income
Ready to Apply?
Get pre-qualified in minutes. Our finance team will help you find the best program and guide you through the application process.
Apply OnlineImprove Your Credit Score
A higher credit score means better rates and more financing options. Here's how to improve yours.
Check Your Credit Report
Get free reports from all three bureaus and dispute any errors before applying.
Pay Down Debt
Lower your debt-to-income ratio by paying off high-interest debts first.
Avoid New Credit Applications
Hold off on new credit cards or loans in the months before applying for a mortgage.
Pay Bills on Time
Payment history is the biggest factor in your credit score. Set up auto-pay if needed.
Keep Old Accounts Open
The age of your credit accounts matters. Keep old accounts active with small charges.
Aim for Under 30% Utilization
Keep credit card balances below 30% of your available credit limit.
Watch our finance team explain loan programs, down payments, and the application process.
Manufactured Home Financing Explained
Our finance team breaks down FHA, VA, USDA, conventional, and in-house financing options.
First-Time Buyer's Guide to Manufactured Homes
Everything first-time buyers need to know — from pre-qualification to move-in day.
Down Payment Options
Learn about your down payment options and how to maximize your purchasing power.
0% Down
VA and USDA loans offer zero down payment for qualified buyers — veterans, military families, and rural-area buyers.
3.5% Down
FHA loans require just 3.5% down — about $4,200 on a $120,000 home. Great for first-time buyers.
5-10% Down
Conventional and chattel loans typically require 5-10% down. Lower rates for higher down payments.
20%+ Down
A larger down payment eliminates PMI and secures the best rates. Maximize your monthly savings.