Capital Home Mortgage Texas

Texas Manufactured Home Loans

Texas Manufactured Home Lender

Texas Manufactured Home Loans

A manufactured home, often known as a mobile home or trailer home, is a residence constructed in a factory following HUD’s construction standards. After June 15, 1976, all factory-built homes were called “manufactured home.”  There are difference in the Manufactured Homes, a home that is fully completed at the factory and transported to the site on axles is a mobile home,  a manufactured home that is build in the factory and taken to the build site and assembled on site is consider a modular, which follows the same lending guidelines as a site built or commonly known as “stick build home”.  

One-Time Close Construction Loan

The one-time close construction house loan is used to consolidate the borrower’s home and mortgage into a single transaction with a single closing. By combining the land and manufactured home purchases into a single loan, the borrower saves money by just paying one set of closing fees.

One-Time Close Programs for Manufactured Homes

FHA

  • Must be at least 400 square feet of total floor area
  • Must be attached to a permanent foundation
  • Must be registered as “real property.”

VA

  • Must have a permanent foundation
  • A single-wide cannot be less than 400 feet of total floor area
  • A double-wide must have at least 700 feet of total floor area

USDA

  • Must be a brand-new dealer built
  • Must be attached to a permanent foundation
  • Must be at least 400 feet of total floor area
  • 100% financing available with a 650 credit score
  • Must be within a rural geographic location.

Conventional

Other types of loans for manufactured homes include chattel, personal loans, and private lenders. 

Apply for a Manufactured Home Loan 

Capital Home Mortgage offers a one-time close construction loan for manufactured home and land combo. Call us at 800-960-4565 to speak with one of our OTC loan specialists, or apply now!

Why Texas is Choosing Capital Home Mortgage
Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Texas Rates

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Texas Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Texas Mortgage Rates

Benefits of a Texas Manufactured OTC Home Loan

Achieve Maximum Financing - Combine Land and Home into Single Purchase.

Lock Today's Rate - Remove the Risk of the Market by Locking the Final Rate ahead of the Completion.

Close One Time - Reduce costs, Closing Once and Save from having to Repeat Title, Escrow and Loan Fees.

Manufactured Home Loan Benefits

Achieve Maximum Financing - Combine Land and Home into Single Purchase.

Lock Today's Rate - Remove the Risk of the Market by Locking the Final Rate ahead of the Completion.

Close One Time - Reduce costs, Closing Once and Save from having to Repeat Title, Escrow and Loan Fees.

Not Sure? Take a Look at Other Texas Mortgage Programs

Texas Mortgage Team

Conor Hayhurst

Managing Director
NMLS 743506

Damon Embler

Loan Officer
NMLS 882260

Kelly Cameron

Loan Officer
NMLS 178093

Dale Gremillion

Managing Director
NMLS 210325

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