Mobile Home Financing Texas

At Golden Lenders, we pride ourselves on being a leading mortgage company specializing in Texas mobile home financing. With years of experience in the Lone Star State, we understand the unique needs and challenges of Texas homebuyers looking to finance mobile homes.

Our expertise extends across a range of loan programs, from FHA manufactured home loans to conventional mortgages, allowing us to tailor financing solutions to fit your specific circumstances.

Experience in Texas Mobile Home Loans

Navigating the mobile home financing landscape can be daunting, especially for those with less-than-perfect credit or limited down payment funds. That’s where Golden Lenders comes in. We offer a variety of loan programs designed to accommodate different financial situations. Whether you’re a veteran eligible for VA loans, a first-time homebuyer with a lower credit score, or a current homeowner looking to refinance, we have options for you. Our goal is to make the home buying process as smooth and accessible as possible, helping you achieve your Texas dream home.

Understanding Credit Scores and Mobile Home Financing

Your credit score plays a significant role in determining your eligibility for mobile home loans and the terms you’ll receive. While a higher credit score can help you qualify for better interest rates and loan terms, Golden Lenders understands that not everyone has a perfect credit history. That’s why we offer FHA manufactured home loan options with flexible credit requirements, allowing borrowers with less-than-perfect credit to still achieve their homeownership dreams. Our mobile home loans team will work with you to explore all available options and find the best solution for your unique financial situation.

Understanding Texas Mobile Home Loans

When it comes to mobile and manufactured homes, there are several key factors to consider, including credit score, down payment, loan term, and interest rates. At Golden Lenders, our mobile home loan officers take the time to explain each aspect of the loan process, ensuring you have a clear understanding of your options. Whether you’re purchasing a manufactured home in a mobile home park or own land for your mobile or modular home, we can help you find the right mobile home loan financing solution.

When financing a manufactured or mobile home, lenders often consider the debt-to-income ratio of borrowers to assess their ability to repay the loan. This ratio compares the total monthly debt payments to gross monthly income, helping lenders determine the borrower’s financial stability. Maintaining a healthy debt-to-income ratio is crucial for securing financing for manufactured homes and ensuring affordability over the loan term.

FHA Manufactured Home Loans

For many Texas homebuyers, FHA loans are an attractive option for financing mobile homes. These loans offer flexible credit requirements, allowing borrowers with less-than-perfect credit to qualify. Additionally, FHA loans typically require a lower down payment compared to conventional loans, making them accessible to more buyers. Our experienced loan officers can guide you through the FHA loan process, helping you secure financing for your Texas mobile home. Furthermore, FHA manufactured home loans provide additional benefits beyond flexibility and accessibility. These loans often come with competitive interest rates, making homeownership more affordable over the long term. Additionally, FHA loans allow for financing of both the mobile home and the land it sits on, providing a comprehensive solution for Texas homebuyers. Our mobile home loan officers are well-versed in the intricacies of FHA loan requirements and can help you navigate the process smoothly. Trust Golden Lenders to help you take advantage of the benefits of FHA financing and secure the funding you need for your Texas mobile home.

Conventional Mortgages for Mobile Homes

While FHA loans are popular, conventional mortgages are another viable option for financing mobile homes in Texas. Conventional loans may require a larger down payment and have stricter credit requirements compared to FHA loans, but they offer advantages such as competitive interest rates and flexible loan terms. Whether you’re purchasing a single-wide or double-wide manufactured home, our team can help you explore conventional financing options.

VA Loans for Texas Veterans

As a veteran, you’ve served your country, and now it’s our turn to serve you. VA loans are available to eligible veterans, offering benefits such as no down payment and competitive interest rates. Whether you’re purchasing your first home or refinancing an existing one, Golden Lenders can help you take advantage of this valuable home loan program. Let us assist you in achieving your homeownership goals in the great state of Texas.

At Golden Lenders, we understand that purchasing a home is one of the most significant financial decisions you’ll ever make. That’s why we’re committed to providing expert guidance and personalized service throughout the home buying process.

From exploring financing options to closing on your loan, our team is here to support you every step of the way. We’ll work tirelessly to ensure you secure the right loan for your Texas mobile home, allowing you to move forward with confidence and peace of mind.

Investing in Your Mobile Home’s Future

A mobile home is more than just a place to live—it’s an investment in your future. Whether you’re purchasing a new manufactured home or refinancing an existing loan, Golden Lenders is committed to helping you make the most of your investment. With competitive interest rates and flexible loan terms, we’ll ensure that your mobile home financing aligns with your long-term financial goals. Trust Golden Lenders to help you secure the financing you need to make your Texas mobile home a reality

Choosing the Right Loan for Your Manufactured Home

When it comes to financing a manufactured home, there are several loan options to consider. FHA loans are popular among mobile home buyers because they offer low down payment requirements and flexible credit guidelines. However, conventional loans are also available for those who meet stricter credit and income criteria. Golden Lenders can help you compare loan programs and choose the option that best suits your needs and budget. Whether you’re purchasing a single-wide or double-wide manufactured home, we’ll work with you to find the perfect financing solution.

Contact Golden Lenders Today

When it comes to financing your Texas mobile home, trust the experts at Golden Lenders to guide you through the process with integrity and professionalism. With years of experience in the industry, we have the knowledge and resources to help you achieve your homeownership goals. Whether you’re a first-time buyer or a seasoned homeowner, we’ll provide personalized service and tailored solutions to meet your needs. Contact Golden Lenders today to learn more about our mobile home financing options and take the first step toward owning your dream home in Texas.

Ready to make your Texas dream home a reality? Contact Golden Lenders today to learn more about our mobile home financing options. Whether you’re a first-time homebuyer or a seasoned homeowner, we have the expertise and resources to help you secure the financing you need. Trust Golden Lenders to be your partner in achieving homeownership in the Lone Star State.

Frequently Asked Questions

Do you offer manufactured home only and land & home financing in my area?

We offer financing in 4 states.  CO, FL, NE & TX

What is the minimum home loan amount you provide?


What is required for a manufactured home loan down payment?

As low as 0% are available for well-qualified buyers. Typical down payment requirements range from 5% to 35% and are based on the overall credit profile of the buyer, collateral type (home type, home placement, etc.), and occupancy type (i.e. primary residence, secondary home, etc.). Investment properties and “Buy-For” transactions require a minimum of 20% down payment. Home loan down payments may be in the form of cash, trade, or land equity.

What are your maximum loan terms for manufactured home only and land & home loans?

We offer terms up to 30 years on new and used Land Home loan products. Additionally, we offer terms up to 25 years on new and used Home Only loan products. Investment properties are limited to 10-year terms.

Do you have a minimum credit score requirement?

We do not have a minimum credit score for most manufactured homes only and land & home loans.

Do you have restrictions on the age of the home?

We have no restrictions on the age of the home.

Do you offer refinance loans?

Yes. Cash-out options are available but require a minimum credit score of 600.   Cash-out is not available in TX

Do you require Private Mortgage Insurance (PMI)?

No. We do not require PMI on any home this will save you thousands of dollars over the life of your mortgage loan.

Do you offer financing for manufactured or mobile homes that need to be moved?


Contact Us

Contact Golden Lenders today for the mortgage help you need to turn your dream house into reality. We provide attentive customer service throughout the process of obtaining a loan for your new home. We serve clients across Colorado, Florida, Nebraska, & Texas.

Company NMLS 2106/60DBO98881/MBR2785/RM.804768.000

Hours of Operation:

24 Hours a Day, 7 Days a Week

(303) 482-2361