Do you offer owner finance used mobile homes in Texas?

Yes. Every used mobile home in our San Antonio inventory is eligible for owner financing. We hold the note ourselves.

Can I get owner financing with bad credit or recent bankruptcy?

Yes. We don't pull a credit report. Bad credit, no credit, recent bankruptcy, prior foreclosure — none of that disqualifies you.

What's the lowest down payment you'll accept on a mobile home?

It depends on the home. We've done deals with as little as $5,000 down on used mobile homes under $50K. New builds typically start higher.

Can I finance the mobile home plus delivery and setup together?

Yes. We can roll the home, transport, setup, skirting, and steps into one financed package — one quote, one monthly payment.

Mobile Home Financing San Antonio TX | Owner Finance & No Credit Check

01

How We Finance

We finance our homes in-house.

Most San Antonio mobile home buyers get turned down by a bank — not because they can't afford a home, but because banks don't lend on mobile homes the way they lend on stick-built. We solved that by financing our own inventory. You pay us directly. No bank in the middle.

01 / 04 Owner Financing In-house financing on every mobile home in our San Antonio inventory. We hold the note, you make monthly payments directly to us. No third-party lender, no bank approval, no underwriting committee. →
02 / 04 No Credit Check Mobile Homes We don't pull a hard credit report. Our approval is based on income, down payment, and whether the monthly payment makes sense for your budget — not on your credit score. →
03 / 04 Bad Credit Mobile Homes San Antonio Recent bankruptcy, foreclosure, repo, collections, low credit score — we'll still talk to you. The bank's "no" isn't our "no." Bring a valid ID, recent pay stub, and proof of address (or land ownership) and we'll work out a deal. →
04 / 04 First-Time Buyer Programs First mobile home? We walk you through everything — what to expect on monthly payments, how the home is titled, what insurance you need, how delivery and setup work. No question is dumb when it's your first home. →

02

What You'll Pay

Low down payment. Honest monthly numbers.

Mobile homes with low down payment in San Antonio and mobile homes with monthly payments that work for working families. Exact numbers depend on the home and your situation — here's the range to expect.

Down Payment

$5K – $20K typical.

Down payment depends on the home's price, your monthly budget, and the term length we agree on. Used mobile homes under $50K typically need $5K – $8K down. New single wides around $10K – $15K down. New double wides $15K – $20K down.

Monthly Payment

$550 – $1,250 / mo.

Most monthly payments land between $550 and $1,250 depending on home price, down payment, and term. Often less than what you're paying in rent for a similar-size place in Bexar, Wilson, or Atascosa counties.

Approval Time

Under 30 minutes.

Come to the lot with a valid ID, recent pay stub or proof of income, and proof of address (or land ownership if you have land). We'll usually have an answer for you the same visit.

03

FAQ

Quick answers.

The most common questions San Antonio mobile home buyers ask about owner financing.

Do you offer owner finance used mobile homes in Texas?: Yes. Every used mobile home in our San Antonio inventory is eligible for owner financing. We hold the note ourselves, so we're not subject to bank rules about home age or condition.
Can I get owner financing if I have bad credit or a recent bankruptcy?: Yes. We don't pull a credit report. Bad credit, no credit, recent bankruptcy, prior foreclosure — none of that disqualifies you. What matters is verifiable income and a workable down payment.
What's the lowest down payment you'll accept?: It depends on the home and your monthly budget. We've done deals with as little as $5,000 down on used mobile homes under $50K. New builds typically start higher.
Can I finance a mobile home plus delivery and setup together?: Yes — we can roll the home, transport, setup, skirting, and steps into one financed package. One quote, one monthly payment, one company on the hook for the finished result.
How is mobile home financing near me different from traditional home financing?: Banks treat manufactured homes as personal property (chattel) instead of real property, which makes traditional mortgages hard to get. Owner financing skips that entirely — we lend on the home directly, on terms that make sense for the asset.
Is owner financing only for used mobile homes, or new builds too?: Both. We owner-finance new TRU and Clayton builds as well as our used inventory. New builds typically need a larger down payment but the monthly payments are often comparable to a used home with a smaller down.

Mobile Home Financing in San Antonio.