Texas Lending
Manufactured Home Loans in Texas
Everything's bigger in Texas — including the manufactured home market. We help Texas families finance their homes with chattel loans built for the Lone Star State.
Big State, Big Opportunities
Texas is one of the fastest-growing manufactured home markets in the country. With affordable land, growing cities, and a strong demand for housing, manufactured homes offer Texans a smart path to homeownership — especially in communities and parks across the state.
From Houston's sprawling suburbs to San Antonio's growing communities, and from the Dallas-Fort Worth Metroplex to the Rio Grande Valley, manufactured homes are a cornerstone of affordable housing in Texas. Our chattel loan programs are designed to finance these homes quickly and affordably.
MH Services is licensed by the Texas Office of Consumer Credit Commissioner (OCCC) and has been serving Texas borrowers for over three decades. We know the market, we know the communities, and we know how to get your loan done.
Texas at a Glance
Texas Office of Consumer Credit Commissioner. NMLS #296451.
Texas Markets
We finance manufactured homes in communities and parks across the Lone Star State.
Houston Metro
The largest metro in Texas with extensive manufactured home communities across Harris, Fort Bend, and Montgomery counties.
San Antonio Area
A fast-growing market with affordable manufactured home communities in and around the Alamo City.
Dallas-Fort Worth
The Metroplex offers family and 55+ manufactured home communities throughout the metro area.
Austin Region
As Austin grows, manufactured home communities offer an affordable alternative in the surrounding areas.
Rio Grande Valley
One of the most active manufactured home markets in Texas, popular with both families and Winter Texans.
Corpus Christi & Coast
Coastal manufactured home communities offering affordable living along the Texas Gulf Coast.
Chattel Loans for Texas Homes
Purchase and refinance programs for manufactured homes on leased land across Texas.
Buy a Manufactured Home
- As low as 5% down payment
- Terms up to 25 years
- Single-wide & double-wide
- Soft credit pull to start
- Close in 25-30 days
Refinance Your Home
- Lower your monthly payment
- Reduce your interest rate
- Cash-out options available
- No prepayment penalties
- Multiple lender options
Texas Leads in Manufactured Housing
Texas consistently ranks among the top states for manufactured home shipments. With population growth outpacing traditional housing construction, manufactured homes fill a critical need for affordable, quality housing across the state.
Minimum down payment to get started
Days from complete file to closing
Years serving Texas families
NMLS #296451 | Licensed by OCCC | Equal Housing Lender
Why Texas Families Choose MH Services
Texas Experts
Over 30 years of experience in the Texas manufactured home market. We know the communities and the lenders.
OCCC Licensed
Fully licensed by the Texas Office of Consumer Credit Commissioner. Your loan is handled by the book.
Fast Approvals
Same-day pre-qualification with soft credit pull. Most loans close in 25-30 days from complete file.
Low Down Payment
As low as 5% down payment. We work with you to find the most affordable option for your budget.
Multiple Lenders
Multiple lending partners in Texas give you options that fit your situation.
Borrower Portal
Track your loan, upload documents, and message your team 24/7 from your phone or computer.
Resources for Texas Buyers
What Is a Chattel Loan?
A complete guide to chattel loans for manufactured homes on leased land.
How-To GuideFirst-Time Buyer's Guide
New to manufactured home financing? Start here for everything you need to know.
Community LivingUnderstanding Lot Rent
What to expect for lot rent costs in Texas communities and parks.
Your Home Is Waiting
Take the first step today. Our team is ready to help you find the right loan for your manufactured home.