Bad credit? No bank approval? We can be the bank ourselves. San Antonio & South Texas.
We work with the top manufactured home lenders in the country. Even if your credit is less than perfect, we can often find a path to get you into a home.
We work with Vanderbilt Mortgage, 21st Mortgage, and Green Tree — lenders that specialize in manufactured homes and are more flexible than traditional banks.
Financing for repo mobile homes works a little differently than financing a new home. Because repo units are often older, some conventional manufactured-home lenders limit how far back they'll go on the home's age. That's exactly why owner financing exists — and why it's such a common path for our repo buyers specifically.
And if none of those work for you, we can be the bank ourselves. Owner finance means we hold the note — if you have a decent down payment, no active bankruptcy, and ability to pay monthly, we can make it work. No bank approval, no credit check required.
With owner finance, we hold the note ourselves instead of a bank — so approval comes down to down payment and ability to pay, not a credit score pull. Bank/lender financing (Vanderbilt, 21st Mortgage, Green Tree) is also available and can offer better long-term terms if you qualify.
No credit check is required for owner finance. What matters most is your down payment amount and demonstrated ability to make monthly payments.
An active bankruptcy is the one hard stop. If your bankruptcy has already been discharged, you may still qualify — call us and we'll walk through it with you.
It varies by home and situation. Call (210) 441-7040 and tell us what you can put down — we'll tell you right away what's realistic.
Browse current inventory or call us directly — we'll match you to a home that fits your budget and financing situation.