No FICO. No Equifax. No bureau.
Most lenders pull credit because they have to β they're selling the loan to a bank, and that bank requires it. We hold our own paper. We never sell your note. So we never need to check what some bureau says about you. We need to know two things: your monthly income and your down payment. That's the entire underwriting process.
No credit check mobile homes in San Antonio means exactly that: a zero-hard-inquiry purchase. Your credit score doesn't go up or down by buying from us. If you're rebuilding your credit (or have never used credit), this is a real benefit β you don't take a 5-10 point ding just to find out if you qualify.
Plenty of dealers advertise "no credit check" then pull credit anyway, or run a "soft check" that doesn't hurt your score but still factors into the decision. We don't do either. We don't care what's on your report β we care whether the monthly payment makes sense for your budget.
What we DO check
Valid government ID Β· recent pay stub or income proof Β· proof of address or land ownership Β· ability to make the down payment. That's it. Bring those four things, walk the lot, get approved in 30 minutes.
