ITIN financing
Some providers offer financing for buyers who file taxes with an ITIN instead of a Social Security number. Ask us for a referral and bring your identification and income documents.
Financing guidance
Manufactured home financing in Texas
Financing is personal. We help you understand the questions to ask, connect with qualified providers, and see how trade-in equity can reduce what you borrow.
Ask about your options
Tell us what you are shopping for and we will walk through the financing questions together.
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(817) 426-1500Options
Options you may discuss
Chattel loans
A chattel loan finances the manufactured home as personal property, without the land. It is common when the home sits on leased land in a park.
Land-and-home packages
If you are buying land and the home together, a land-home package may finance both. The property, title, and improvements affect the options.
Trade-in equity
Your current home's value can be applied as credit, reducing the amount you need to finance and potentially strengthening your position.
Process
How the financing conversation works
01
Find the home
Browse inventory or tell us what you need. The home price is the starting point.
02
Review your situation
Talk through land ownership, down payment, credit, income, and any trade-in.
03
Connect with a lender
We refer you to qualified providers who can discuss eligibility, rates, and terms.
04
Close and move in
The lender handles underwriting and closing; we coordinate delivery and setup.
Before you apply
What to know before you apply
Mobile home financing in Texas is more accessible than many buyers realize, but the details matter. If the home will sit on land you own, the lender may treat it differently than a home on leased land in a park. If you are financing with an ITIN, not every lender offers that program. If you have a trade-in, the equity can change the down payment and the loan amount.
Before you apply, gather identification, proof of income, bank statements, and information about the land or park. Ask the lender how the home will be titled, whether the loan is chattel or real property, what the down payment requirement is, and whether there are prepayment penalties or balloon payments. Compare the total cost, not just the monthly payment.
We provide guidance and connect you with qualified financing providers. We do not make credit decisions, and eligibility and terms vary by lender. The best next step is a conversation about your situation — call (817) 426-1500 or send the form. There is no obligation to apply.
We provide guidance and connect you with qualified financing providers. We are not a lender and do not make credit decisions. Eligibility, rates, fees, and terms vary by lender and are subject to approval.
Financing questions
The answers vary by lender. These are the questions to ask before you apply.
Do you offer ITIN financing?
We can connect you with qualified providers that offer ITIN financing. Eligibility and terms vary by lender, and you should ask what documents they require.
What credit score do I need?
There is no single answer. Different lenders have different programs. Talk with a lender about your full financial picture rather than assuming a score disqualifies you.
How much down payment is required?
Down payment requirements vary by program, lender, and property. Ask the lender for the total cash needed at closing, not just the advertised percentage.
Can I finance a used manufactured home?
Financing may be available for new and used homes. The age, condition, and title history can affect the options. Ask the lender before you commit to a home.
Can I use my trade-in as a down payment?
Trade-in equity can be applied as credit toward the purchase and may reduce the amount you finance. The lender will explain how it treats the trade-in in your file.
Do you finance land and home together?
Some providers offer land-home packages. Bring the land details, title information, and any improvements to the conversation.
Are you a lender?
No. We are a licensed Texas retailer (RBI#32744) and provide guidance. We connect you with qualified financing providers; we do not make credit decisions.
Free appraisal
Ask about your financing options
Call us or send a message. A real person on our Burleson team will help.