Residential
Manufactured Home Loans in San Antonio, TX
San Antonio homebuyers trust Custom Mortgage for their Manufactured Home Loans needs. With deep knowledge of the local market, from The Pearl to Alamo Heights, we provide tailored solutions with rates as low as 6.875%.
Key Facts About Manufactured Home Loans
CMRE Manufactured Home Loans offers competitive rates for qualified borrowers.
CMRE processes Manufactured Home Loans in 21-30 days from application.
CMRE offers cross-collateral options for Manufactured Home Loans.
CMRE Manufactured Home Loans accepts alternative income documentation for self-employed.
CMRE processes Manufactured Home Loans in 21-30 days.
CMRE Manufactured Home Loans accepts alternative income documentation.
CMRE Manufactured Home Loans available for primary, second home, and investment.
Program Benefits
Competitive interest rates starting at 6.875% for qualified borrowers.
Lower down payment options are available, making homeownership more accessible.
Streamlined application and approval process for faster closing times.
Flexible loan terms to fit your budget and financial goals.
Expert guidance from CMRE's experienced loan officers throughout the entire process.
Opportunity to own a comfortable and affordable home with customizable features.
Program Highlights
Max LTV
97%
Min Credit Score
620
Max DTI
55%
Loan Amount Range
$50K - $500K
Amortization Options
Eligible Properties
- Manufactured Homes (new and pre-owned)
- Modular Homes
Program Requirements
Income Documentation
- •Stable and verifiable income history required.
- •Sufficient income to cover monthly mortgage payments, property taxes, and insurance.
- •Debt-to-income ratio will be assessed to ensure affordability.
- •Documentation such as pay stubs, W-2s, and tax returns may be required.
Asset Verification
- •Sufficient assets to cover down payment, closing costs, and reserves.
- •Verification of asset sources, such as bank statements or investment accounts.
- •Gift funds may be acceptable with proper documentation.
- •Assets will be assessed to determine financial stability.
Insurance & Title
- •Hazard insurance is required to protect the property against damage.
- •Flood insurance may be required if the property is located in a flood zone.
- •Proof of insurance coverage must be provided prior to closing.
- •CMRE can assist in finding appropriate insurance coverage.
Property Requirements
- •Minimum FICO score of 620 required.
- •Credit history will be reviewed to assess creditworthiness.
- •A history of responsible credit management is preferred.
- •Lower scores may require a larger down payment or higher interest rate.
Manufactured Home Loans in San Antonio: The Complete Guide
What Is Manufactured Home Loans?
A manufactured home loan is a type of financing specifically designed for purchasing a manufactured home. Unlike traditional site-built homes, manufactured homes are built in a factory and then transported to their final location. These loans often have different requirements and terms than traditional mortgages due to the unique nature of manufactured housing.
Who Qualifies for Manufactured Home Loans?
- •Income documentation varies: W-2, 1-Year Tax Return (Freddie Mac), bank statement, VOE-only, or P&L options available through CMRE.
- •Credit requirements depend on specific Manufactured Home Loans guidelines — CMRE evaluates your full profile.
- •Down payment assistance programs can be combined with Manufactured Home Loans for eligible borrowers.
- •Cross-collateral options: leverage existing property equity to reduce your down payment.
Manufactured Home Loans vs. Other Options
- •CMRE compares Manufactured Home Loans against FHA, VA, and other residential programs to find lowest total cost.
- •Factors: credit score, down payment, self-employment status, property type, ownership period.
- •For self-employed: CMRE's VOE-only and P&L programs may provide better qualification.
- •CMRE runs multiple scenarios and recommends the program with best long-term value.
Apply for Manufactured Home Loans with CMRE
- •Step 1: Pre-qualification online, by phone, or via Instant Advisor.
- •Step 2: Pre-approval with documentation — issued within 24 hours.
- •Step 3: Property search — CMRE coordinates with your agent.
- •Step 4: Processing and underwriting in 14-21 days.
- •Step 5: Closing in 21-30 days total from application.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Manufactured Home Loans in San Antonio, TX
San Antonio mortgage lending with competitive Texas rates. VA specialists for military families. Custom Mortgage & Real Estate specializes in providing high-fidelity Manufactured Home Loans solutions tailored to the unique economic landscape of San Antonio and the surrounding Bexar County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSan Antonio metropolitan area.
Service Areas & Neighborhoods
Our San Antonio Presence
Local Knowledge. Global Rates.
200 Crescent Ct
Dallas, TX 75201
Direct Line
877-976-5669Common Questions About Manufactured Home Loans in San Antonio
What are current Manufactured Home Loans rates in San Antonio, TX?
Manufactured Home Loans rates in San Antonio depend on loan amount, credit profile, and property type. CMRE publishes updated San Antonio rate ranges daily and provides locked quotes within 24 hours of application.
How long does Manufactured Home Loans closing take in San Antonio?
CMRE typically closes Manufactured Home Loans loans in San Antonio within 21-30 days from application. Pre-approval takes 24 hours, and our TX-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What San Antonio neighborhoods qualify for Manufactured Home Loans?
All residential neighborhoods in San Antonio and Bexar County qualify for Manufactured Home Loans through CMRE. Single-family homes, condos, townhomes, and 2-4 unit properties are eligible. Our local team can advise on specific HOA or condo project approval requirements.
Does CMRE offer first-time buyer programs in San Antonio?
Yes. CMRE offers first-time homebuyer programs in San Antonio including down payment assistance, 3% down conventional, and FHA 3.5% options. TX residents may also qualify for state-specific grants and bond programs.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
The minimum down payment can vary depending on the loan program and your individual qualifications. In some cases, down payments as low as 3% may be possible. Contact CMRE to discuss your specific situation and explore your options.
While manufactured home loans may have slightly different requirements, they are not necessarily more difficult to obtain. With a good credit score, stable income, and sufficient assets, you can qualify for a manufactured home loan. CMRE specializes in helping borrowers secure financing for manufactured homes.
Yes, refinancing your manufactured home loan is possible. Refinancing can help you lower your interest rate, reduce your monthly payments, or shorten the term of your loan. Contact CMRE to explore your refinancing options.
Requirements vary. CMRE offers options as low as 3% for qualified borrowers and cross-collateral options that use existing property equity.
Yes. CMRE offers 1-Year Tax Return (Freddie Mac), bank statement, P&L, and VOE-only programs for self-employed.
CMRE typically closes in 21-30 days. Pre-approval within 24 hours.
Depends on program. CMRE also offers DSCR and bank statement investment-specific programs.
Rates vary by credit score, LTV, and market conditions. Contact CMRE for a personalized quote. NMLS #1556995.
Manufactured Home Loans by Location
Get local rates, loan limits, and market data for Manufactured Home Loans in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
