Get pre-qualified for your new mobile home
Your information is secure. Completing this application does not obligate you to purchase and does not affect your credit score. Prefer to talk first? Call (210) 441-7040.
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The process, step by step
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Pre-qualify
Fill out the short form above or come by the lot. We collect the basics — income, housing situation, what you're hoping to buy — and match you with lenders who actually finance manufactured homes in Texas.
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Review your options
We walk you through what you qualify for in plain language: loan types, what your down payment does, and how land ownership changes the picture. You'll understand your numbers before you pick a floor plan.
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Spec your home
With your budget frame in hand, choose your floor plan and options. Because the home is built to order, your quote reflects your exact configuration — nothing bundled in that you didn't choose.
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Close and schedule
Your lender finalizes the loan, we place the factory order, and delivery gets scheduled. We coordinate the setup on your site as part of the deal, and keep you posted from build slot to move-in.
What affects your manufactured home loan
Land makes the biggest difference
If you own the land your new home will sit on (or are buying it together with the home), more loan programs open up — including options that treat the home and land as one property. If you'll lease a lot in a community instead, the home is typically financed on its own. Both paths work; they just use different lenders and paperwork, which is exactly the kind of matching we do during pre-qualification.
Credit is a factor, not a wall
Manufactured housing lenders look at the whole file — income stability, housing history, and down payment — not just a score. A stronger down payment can offset a thinner credit history. Pre-qualifying early tells you where you stand while there's still time to improve the picture before you order.
New homes qualify differently than used ones
A new HUD-code home from a licensed retailer, with a manufacturer's warranty and a documented installation, is the cleanest file a manufactured-housing lender can see. That's one of the quiet advantages of buying new: the financing side is simpler than for an older home changing hands.
What you won't find on this page: rates, payments, or price tags. Every build is specced individually and every loan file is different, so we'd rather quote your real numbers than advertise teaser ones. The form above is how you get numbers that are actually yours.
Already know your floor plan?
Pre-qualification and plan-picking can run in parallel — most buyers do both in the same week.