Capital Home Mortgage Fort Worth

Fort Worth Manufactured Home Loans

Fort Worth Manufactured home Lender

Fort Worth Single Close Manufactured Home Loan 

A manufactured home, also called a mobile home or trailer home is a home that was built in a factory and follows the building code set by HUD, the U.S. Department of Housing and Urban Development.

A manufactured home and a mobile home are the same things. HUD began regulating the construction of mobile homes on June 15, 1976, and they were branded “manufactured homes.” This made manufactured home construction uniform independent of state or city, whereas site-built homes must adhere to state and local building requirements.

What is a One-Time Close Construction Loan?

A Single-Close Construction to Permanent loan is a type of home loan that allows a borrower to close both the construction loan and the permanent financing of a new home simultaneously. They’re also known as “construction to permanent,” “single close,” “one-time close construction loan,” “construction conversion,” “CTP,” and “all in one” loans.

The single close CTP loan consolidates the temporary construction loan and the permanent 30-year loan into a single promissory note and deed of trust, allowing the loan closing to occur all at once.

Types of OTC Loan Program

Portfolio lenders offer different versions of construction-to-permanent loans with their respective eligibility requirements. 

  • FHA Manufactured Home Loans

FHA will finance a manufactured home based on HUD’s minimum guideline requirement. Borrowers must meet the minimum credit score, income, and down payment requirements like any other FHA loan. However, there are other qualifying factors to be considered.

    • The manufactured home must be built after June 15, 1976;
    • It must be real property, not personal property;
    • Must have at least 400 square feet of living area;
    • Be permanently attached to a foundation and on land that you own.

A “real property” must include the land that can’t be easily removed, like a house, an in-ground pool, or a paved driveway. On the other hand, “personal property” can be moved and used elsewhere, like a car, a boat, or a travel trailer. 

  • USDA Manufactured Home Loans

USDA Rural Housing loans for manufactured homes require no money down. The property must also be:

    • Brand new from the dealer;
    • Must be permanently attached to its foundation, built to HUD’s post-1976 criteria, and at least 400 square feet in size;
    • A minimum credit score of 640 is required;
    • Must be located in a USDA-eligible area.
  • VA Manufactured Home Loans

The Veterans Administration allows eligible servicemen and women and their eligible spouses to buy a manufactured home with specific qualifying requirements.

    • The manufactured home will be attached to a permanent foundation;
    • Must be used as a primary residence;
    • Escrow impounds for taxes and insurance are required.
  • Conventional Loans

FannieMae and FreddieMac offer risk-based fee manufactured home loans. Your credit score will be the primary determining factor in whether or not you are approved for a manufactured home loan. Most lenders in this category seek a credit score in the 700s and a solid credit history.

Apply for a Manufactured Home Loan

Financing a manufactured home differs slightly from financing a traditional home. Talk to our manufactured home loan specialists at (817) 779-7133 to learn more, or apply now

Why Fort Worth HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Fort Worth Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Texas Mortgage Programs

Texas Home Purchase

Thinking of Buying a Texas Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Texas renovation home loans

Looking to Rehab a Texas Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Texas FHA Home Loans

Great for 1st Time Texas Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores OK

Texas VA Home Loans

100% Financing for Texas Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Texas Conventional Home Loans

Flexibility for Texas Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a Loan Officer.

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Texas Jumbo Home Loans

Texas Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Texas USDA Home Loans

100% Rural Texas Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Texas Native American Home Loans

Texas HUD 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Texas Manufactured Home Loans

Great Alternative Texas Housing

Texas reverse mortgages

Your Texas Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.

  • primary residence only
  • simple qualifying – equity based
  • credit scores not applicable
  • Minimum age 62

Texas Non QM Home Loans

Making Texas Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Texas One Time Close mortgages

Build Your Texas Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.

  • Primary Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Texas Refinance Mortgage Loans

Texas Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Texas Cash-out Home mortgages

Texas Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

Fort Worth Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Fort Worth Mortgage Company Reviews

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