Shop Our Affordable Oak Creek Mobile Homes
With expert guidance, flexible financing, and access to the best mobile home communities in San Antonio, we make it easy to find the perfect home. Browse through some of our Oak Creek home options below.
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.
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
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.
