Financing
Homes2Go San Antonio offers a versatile range of financing solutions tailored specifically for manufactured home buyers. Whether you’re seeking low down payments, fixed or adjustable rate options, or flexible credit requirements, our team connects you with the right loan—such as FHA Title I or Title II programs, VA loans, USDA financing, conventional mortgages, and even chattel loans for homes placed on leased land or in mobile home parks.
At Homes2Go, our experts work side by side with trusted local lenders and mortgage professionals to simplify your home financing journey. We guide you in understanding credit score impacts, property classification, and whether your home must be titled as real or personal property. You’ll learn how to effectively compare lenders, decipher interest rate options, and anticipate potential fees—everything you need to confidently determine what you can afford and choose the right financing path. From establishing your budget to closing on your dream home, we make the process transparent and accessible so you can move from renting to owning with confidence.
Stop Renting! These 5 Loan Options Can Put You in a Manufactured Home Fast
Chattel loans are designed for homes that are not permanently attached to land.
Key Features:
- Covers the home only, not the land.
- Generally shorter loan terms (15-20 years).
- Higher interest rates than traditional mortgages.
Ideal For: Buyers placing their home in a mobile home park or on leased land.
Some lenders offer traditional mortgage loans for manufactured homes under certain conditions.
Eligibility Requirements:
- The home must be permanently affixed to a foundation.
- It must be titled as real property.
- Higher credit score and down payment typically required.
Ideal For: Buyers who own the land or are purchasing it along with the home.
Backed by the Federal Housing Administration, FHA loans offer flexible options for manufactured home buyers.
FHA Tide I Loan:
- Can be used for the home, land, or both.
- Lower credit requirements.
- Subject to loan limits.
FHA Title II Loan:
- Must cover both the home and land.
- Financing Manufactured Homes
- Home must be permanently installed on an approved foundation.
Ideal For: Buyers with moderate income or credit challenges.
Benefits:
- No down payment required in many cases.
- Competitive interest rates.
- No private mortgage insurance (PMI).
Requirements:
- The home must meet VA and lender standards.
- It must be placed on a permanent foundation.
Ideal For: Veterans and military families seeking affordable financing.
The U.S. Department of Agriculture offers loans for homes in designated rural areas, including manufactured housing.
Key Features:
- No down payment required.
- Income limits apply.
- Home must be new and meet strict standards.
Ideal For: Low- to moderate-income buyers in eligible rural communities.
Tips for Success
Check Your Credit: Your credit score will influence loan eligibility and interest rates.
Plan Your Purchase: If you’re buying land with your home, ensure both are included in the same loan.
Understand Property Classification: Financing options depend on whether the home is considered personal or real property.
Compare Lenders: Always shop around to get the most favorable rates and terms.
Need guidance on which loan is best for you? Consider speaking with a housing specialist at Homes 2 Go who understands the unique requirements of manufactured home financing.
Secure Financing Today. Find Your Home.
Secure financing today and take the first step toward owning your ideal manufactured home in San Antonio. With a variety of flexible loan options available—including low down payments, competitive interest rates, and programs tailored for first-time buyers, it’s easier than ever to make your homeownership goals a reality.
Testimonials
New Homeowner
“Homes2Go SA made our dream of homeownership a reality! Their team helped us find the perfect Champion Home that fit our budget and needs.”
– Sarah Martinez, San Antonio
Smooth Process
“From our first phone call to move-in day, everything was seamless. The staff answered all our questions and made buying our first home stress-free.”
– James Wilson, Schertz
Worth Every Penny
“Beautiful manufactured home at an amazing price! Our spacious four-bedroom exceeded all expectations. Homes2Go SA delivered on every promise.”
– The Garcia Family, New Braunfels
Shop for Your Move-In Ready Mobile Home
Shopping for a move-in ready mobile home offers a convenient and affordable way to become a homeowner in San Antonio. Whether you’re relocating for work, downsizing, or looking for your first home, San Antonio’s mobile home communities provide a range of options—from cozy single-wides to spacious double-wides with modern finishes. Many of these homes come fully equipped with updated kitchens, new appliances, and stylish interiors, allowing you to settle in without the hassle of renovations. With competitive pricing, favorable financing options, and access to excellent local amenities, finding a mobile home in San Antonio is a smart move for budget-conscious buyers seeking comfort and convenience.
