The bank's "no" isn't our "no."
Banks rely on credit reports because they're lending other people's money and have to follow strict underwriting. We hold our own paper β we lend our own money on homes we own β so we get to decide who qualifies. Our criteria are simple: can you afford the monthly payment, and do you have the down?
Bad credit mobile homes for sale in San Antonio is exactly what we specialize in. We see customers every week who were turned down by every bank, credit union, and chattel lender in town. The vast majority of them get approved with us within 30 minutes and drive home as owners.
Standard terms apply: $10,000 down on a refurbished single wide, $20,000 down on a refurbished double wide, 13% fixed for 15 years. Same terms for everyone β your credit score doesn't change the rate. Bring a valid ID, a recent pay stub or proof of income, and proof of address (or land ownership) and we'll work out the deal on the lot.
Recent bankruptcy or foreclosure?
You're still welcome. We've closed deals with buyers who came out of Chapter 7 the week before. Banks won't talk to you for 2 years; we will today.
