Mobile Home Financing in Texas
We’re with you every step of the way, including the first step of applying for manufactured home financing!
Get Our Help Financing Your New Mobile Home
We are ready to help you navigate the toughest part of buying a mobile home.
Our experienced team will walk you through the loan application process.
We work with multiple top lenders in the industry and are ready to get you started!
We Work With The Most Competitive Lenders Nationwide
We work with all of the top national lenders that offer the most competitive loan rates for manufactured housing
We do not recommend any one national lender over another. We are ready to help you make an informed choice to select the best lender for your current financial situation at the best rates available.
When you begin to apply for manufactured home financing, you should carefully review the eligibility requirements of the financing options available for these types of homes.
Questions? Contact us for help! We’re ready to help connect you with your preferred lender for a loan application.
Frequently Asked Financing Questions
What Kind of Manufactured Home Can I Finance?
You can finance any single wide or double wide mobile home we carry as long as your lender of choice approves it.
What if I Have Bad Credit or No Credit?
If you have bad credit, we’re still willing to help you just like any other customer.
We believe every Texan should have a fair chance at financing and purchasing a family home. We’re ready to help you see where your credit is at and what’s possible!
In addition to helping with the loan application process, we can help you check your current credit score too.
What's a Chattel Loan?
A chattel loan is a personal property loan that is different than a standard FHA mortgage for a site built home on a permanent foundation. If your mobile home is not fixed on a permanent foundation, you will need to apply for a chattel loan.
Chattel loans typically have shorter lending periods than traditional mortgages, and higher interest rates.
Can I Use Land As Loan Collateral?
This is often called “Land-in-Lieu” financing.
Some lenders may accept land as collateral for your loan, which often means “zero down” for the home, if you own the land you are placing the mobile home on.
Lenders will allow the purchaser to use all or a portion of the land equity instead (in-lieu) of a down payment, thereby reducing the cash down payment requirement.
Can I Get a FHA Mortgage For a Manufactured Home?
There are different requirements and restrictions on a FHA manufactured home loan, including the approval of the home, retailer, and installation.
The loan terms on approved FHA manufactured home loans is typically 20 years for a single section home and 25 years on a multi-section home.
Down payment requirements and interest rates for FHA loans on mobile homes are much lower than conventional manufactured housing financing, which makes this an attractive financing option.
The minimum home standards to qualify for an FHA-insured mortgage include:
Must have a floor area of at least 400 square feet
Must be classified and subject to taxation as real estate (which means you must place the home on land you own or also are purchasing together).
Home model must be built after the implementation of the HUD Code (June 15, 1976)
Home model must be built on and remain on a permanent chassis/foundation
Property placement must be above the 100-year return frequency flood elevation
You may be subject to other requirements, if in doubt contact us for more help!
Do High Interest Rates Affect Manufactured Home Financing?
The impact of high interest rates is definitely a reality right now for mobile home mortgage payments. Locking in a loan with current rates can mean a higher overall loan amount in the end, unless you can refinance when interest rates (hopefully!) drop in the future.
As of now in 2026, interest rates are going down but remain higher than years prior. There is potential later in 2026 for rates to go down even further, but the high rates still affect mobile home financing estimates right now.
You’ll want to weigh your options. If you wait for rates to go down, you’ll save money. But if you need a home now, you may have to just accept rates as they are and plan to refinance in the future.
If you’re not sure how to navigate current interest rates, go ahead and contact us for help.
How Can We Help With Your Financing Situation?
Whatever credit or financing situation you are in, we’re ready to talk with you and see how we can help!
Don't Wait, Ask For Our Help Today!
You don’t need to keep waiting to find out if you’ll ever be able to finance a new mobile home or not.
Our friendly team at Atlas Home Center of Rhome, TX is ready to help you with every step of the financing process.
You don’t need to go it alone and worry about how to find the manufactured home financing in Texas you need.
You won’t know all of your available mobile home financing options until you ask an expert! We’ve helped other families before, and we are ready to help you find mobile home financing too.
You won’t have answers until you ask your questions! Call or e-mail us now and let us know how we can help.
