At Henderson Home and Land, we understand that purchasing a manufactured or mobile home is a big decision—and financing plays an important role. That’s why we’ve provided links to a few trusted lenders that specialize in manufactured housing loans.
Please note: We do not offer in-house financing, and we are not affiliated with any specific financial institution. All loan applications and approvals are handled directly by the lender.
Click on any logo below for information and to apply.
Get Started with a Loan
Here’s a basic overview of what to expect when applying for financing:
- Choose your home – Browse our available homes and find one that fits your lifestyle and budget.
- Pick a lender – Select from our suggested lenders below, or work with your own bank or credit union.
- Apply directly – Fill out an application on the lender’s website or speak with their loan specialist.
- Approval process – The lender will evaluate your credit, income, and financial background.
- Close the loan and move in – Once approved, we’ll coordinate delivery and setup of your new home.
Things to Know Before You Apply
Every lender has different requirements, but here are a few things most look for:
- A steady source of income
- A valid government-issued ID
- A minimum credit score (varies by lender)
- Down payment (typically 5%–20%)
- Proof of insurance and/or land ownership (for land/home packages)
Financing Tips
- Check your credit report ahead of time and correct any errors.
- Save for a down payment to increase your approval odds and reduce monthly payments.
- Gather documents such as recent pay stubs, W-2s, and bank statements.
- Understand that loan terms, interest rates, and monthly payments will vary based on your credit profile and the lender's criteria.
Frequently Asked Questions
Can I finance a mobile home and land together?
Yes, some lenders offer land/home packages. Others may only finance the home itself.
Do I need good credit to qualify?
Credit requirements vary by lender, but most look for a fair to good credit score. Some lenders also offer options for those with lower scores.
How long does the pre-approval process take?
It depends on the lender, but many pre-approvals can happen in just a few days.
The financing options presented on this page are provided for your convenience and reference only. Henderson Home and Land does not directly offer financing and is not affiliated with, endorsed by, or responsible for the terms, policies, or decisions made by any third-party lenders.
All financing is subject to approval by the respective lender and is based on individual creditworthiness and lender criteria. Interest rates, loan terms, and conditions may vary.
We encourage all applicants to carefully review the terms and disclosures on each lender’s website and to consult with a financial advisor if needed. By clicking on any of the lender links, you will be redirected to third-party websites not controlled by Henderson Home and Land.
Henderson Home and Land is located in Henderson, Texas, and complies with all applicable state and federal laws governing manufactured and mobile home sales.