A five-minute call tells us what you need: your land situation, a rough budget and where your credit stands. Prefer to skip the call? The online application goes straight to the lender.
Different lenders fit different situations - land or no land, credit history, home type. We send your application where it has the best chance of a yes, and we tell you what to expect.
Once you're pre-qualified you'll know your real price range and monthly payment. Choose a home, we handle delivery and setup, and the lender funds at closing.
Almost every manufactured-home loan in Texas is one of these. Which one applies depends mostly on whether the home will sit on land you own.
Best for: homes in a park, on leased land, or on family land you don't hold title to
Finances the home by itself as personal property, not the land it sits on. Faster and more flexible on credit than a mortgage; terms are shorter and rates typically higher.
Best for: buyers who own land or are buying land with the home
Finances the home and the land together as one piece of real estate. Longer terms and lower rates than chattel, but the home must sit on a permanent foundation and be titled as real property.
Best for: buyers who may not qualify for a conventional mortgage
Government-backed programs built for manufactured housing. Title I can finance the home, a lot, or both; Title II finances home and land as real property with FHA's low down payment - the placement must meet HUD and FHA standards.
Best for: buyers with land equity but limited cash
Some lenders let the equity in land you already own stand in for part or all of the cash down payment. Ask about it on your first call - it changes what you'll need up front.
Best for: modular homes on a permanent foundation
A modular home is built to the same code as a site-built house and is financed like one - conventional, FHA or VA mortgages all apply, and it appraises as real property.
We don't lend money ourselves. We send your application to the lender that fits, chosen from more than 25 lending partners that specialize in manufactured and modular homes, including:
None of this is required to start the conversation, but having it handy makes the first call more useful.
Do you own land, lease a lot, or need to buy land too? County and rough location help.
A target monthly payment or total price range. The calculator below gives you a starting point.
The lender will ask for a photo ID and proof of income (recent pay stubs or tax returns) when you apply.
Cash available up front, land equity, or a current home you'd trade in.
Drag the sliders for a ballpark. The full calculator adds taxes, insurance and a side-by-side comparison.
One call tells you which loan fits and what to expect. No pressure, no cost to ask.
Prefer a message? Send us your details →
Texas Built Seguin is a retailer, not a lender. Loan approval, rates and terms are set by the lender and depend on your credit, the home and its placement. Program details above are general and may change.
