Texas Homes Direct
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Voted best financing in Texas · No obligation

Know your budget
before you fall in love.

A 3-minute pre-qualification tells you exactly what kind of home is in reach, what your monthly payment will look like, your down payment and which lenders are ready to work with you — and we don’t pull your credit.

Texas Homes Direct manufactured home in the Hill Country
Voted best financing in Texas

Three steps. Three minutes.
No surprises.

01

Fill out the secure form

Basic info: name, address, income, employment. Takes about three minutes. The form is run by Cirrus Solutions, a licensed lender platform — your data is encrypted end-to-end.

02

We DON’T pull credit

You’ll see what lenders see, with none of the dings to your credit history. We just kindly ask what your credit score is based off your mobile app, or guesstimate.

03

We call you with options

Within one business day a real person from our team calls you back with the lenders that match, your estimated terms, and which homes on the lot fit your number.

Start the analysis →

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Loan types we
work with.

Manufactured-home financing isn’t the same as a regular mortgage. We work with lenders who specialize in this market — so the terms make sense for the kind of home you’re buying.

Most common

Chattel loan

For homes on leased land or land you don't own yet. Faster to close than a real-estate mortgage, with slightly higher rates.

  • 15–25 year terms
  • Min credit ~400
  • Down payment 0–20%
Lowest rates

Land & lieu

Own land already? Use it as your down payment instead of cash. Your dirt = your down payment.

  • Up to 25-year terms
  • No min credit
  • Down payment from 0%
Land-and-home

Conventional

For buyers with stronger credit who want a traditional mortgage. We can roll land purchase into a single loan.

  • 15–30 year terms
  • Min credit ~660
  • Down payment 10–20%
Trusted by Texas families

4.9 stars across
487 reviews.

★★★★★

"They worked with three lenders until one came back with a number I could actually live with. The free analysis was a game-changer for me."

AM
Andre M.
Killeen, TX
★★★★★

"I had no idea what I could afford until I ran their analysis. Walked into the lot the next week knowing exactly which homes to look at."

CR
Carla R.
Midland, TX

Financing questions.

Will running the analysis hurt my credit?
No. We don't pull your credit at all during pre-qualification — we use the info you share with us to match you with the right lenders. A hard pull only happens at the actual loan-application stage, and we never run one without your written permission.
400 is our typical floor for chattel loans, but we've gotten buyers approved with a co-signer or larger down payment. The free analysis is the fastest way to know your real options.
Most chattel loans can go as low as 0% down. Land & lieu loans use your land equity as your down payment. The analysis will show you which is realistic for your situation.
No problem. Several of the lenders we work with specialize in self-employed buyers — they'll look at tax returns, bank statements, and 1099 income. Mention it in the analysis and we'll route you to the right people.
Yes. A land-and-home package combines the lot purchase and the home into one loan with one payment. We can help you scope out land too if you haven't picked a piece yet.
Ready when you are

Three minutes today, your home this season.

The analysis is free, we don’t pull your credit, and you’ll know more about your real options in three minutes than most buyers learn in a month of dealer-shopping.

Start your free analysis →