Navigate Financing With Confidence
Multiple paths to homeownership, and we will help you find the right one for your situation.
Buying a home should not require a finance degree. Whether you are financing the home as personal property with a chattel loan or placing it on a permanent foundation to access traditional mortgage programs, our team connects you with trusted lenders who specialize in manufactured home financing.
Chattel Loans
Personal Property Financing
The most common and fastest path to manufactured home ownership. A chattel loan finances the home as personal property, no land required. Ideal for homes in communities or on leased land.
- Fast approval and closing
- Lower upfront costs
- No land ownership required
- Available for all home types
- Flexible terms
FHA Loans
Federal Housing Administration
Government-backed loans with low down payment requirements. Available for manufactured homes on permanent foundations with owned land.
- Down payments as low as 3.5%
- Competitive interest rates
- Available for first-time buyers
- Credit score flexibility
- Title I and Title II options
VA Loans
Veterans Affairs
Exclusive benefits for veterans and active-duty service members. Zero down payment on qualifying manufactured homes on permanent foundations.
- Zero down payment
- No private mortgage insurance
- Competitive rates
- Available for qualifying veterans
- Can be combined with land purchase
USDA Loans
Rural Development
Designed for rural and suburban homebuyers. Many of our Texas communities qualify for USDA financing with favorable terms.
- Zero down payment in eligible areas
- Below-market interest rates
- Low monthly mortgage insurance
- Many Texas areas eligible
- Income-based qualification
Conventional Loans
Traditional Mortgage
Standard mortgage products for manufactured homes on permanent foundations. Competitive rates for buyers with strong credit profiles.
- Competitive rates for strong credit
- 15 and 30-year terms
- No government fees
- Flexible property types
- Equity building from day one
Personal Property vs. Real Property
Understanding this distinction can save you thousands, or cost you thousands.
Personal Property (Chattel)
- • Home classified like a vehicle
- • Financed with a chattel loan
- • Fastest path to ownership
- • No land purchase required
- • Great starting point for many buyers
Real Property (Converted)
- • Home on permanent foundation + owned land
- • Traditional mortgage eligible
- • Builds equity over time
- • Appreciates like site-built housing
- • Our specialty, we handle the conversion
Both paths are valid. The right choice depends on your situation. Our team will help you understand the trade-offs so you can make the best decision.
Let's Find the Right Financing for You
Book a free consultation and we will walk you through every option, no jargon, no pressure.
Or call us now:(832) 284-9795