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Logo for Roberts Communities featuring three mountain peaks, a partial sun, and the tagline "Fulfilling Dreams" below the company name.
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Banking Your Dreams

Manufactured Housing Finance Programs

Our in-house financing program distinguishes us from other lenders because of our great customer service. Our goal is to get you an answer as quickly as possible and provide any potential solutions to get you qualified.

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A light gray manufactured home with white trim, a small front porch, steps, landscaped bushes, and a green lawn on a sunny day.

A Secure and Compliant Financing Portal

Our digital loan processing partner, Floify, employs the latest in bank-level encryption to ensure the security of all data that is entered or stored in the system. All borrower-facing mobile and desktop views are compliant with the Americans with Disabilities Act’s (ADA) Web Content Accessibility Guidelines (WCAG) 2.1 AA standard so that you can have peace of mind while utilizing this modern, digital mortgage processing platform.

APPLY FOR A HOME LOAN

Also, Ask About Our Red-Carpet Service Program!

Experience "Peace of Mind” with Our 5 Year Homeowner Service Contract

APPLY FOR A HOME LOAN
A single-story beige manufactured home with white trim, a front door with steps, and landscaped shrubs along a concrete walkway, set against a background of trees and blue sky.

Pre-Owned Home Purchase in approved

TX Manufactured Housing Community

Minimum credit score 450

  • Minimum down payment requirement
    $4,000 for single-wide home or $6,000 for multi-section home, regardless of FICO score.
  • DTI (debt-to-income) ratio up to 50% accepted.
  • All other conditions identified above for New Homes apply to pre-owned homes.
 
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New Home Purchase in approved

TX Manufactured Housing Community

Minimum credit score 450

  • Loan Term
    23 years or less. Possible exception to 25 years on a case-by-case basis.
  • Down payment requirement
    Minimum down payment ranges from 5%-10% based on FICO score
    • 720+ = 5% down payment
      Possible exceptions for 5% down payment for FICO score less than 720 on a case-by-case basis.
    • 550-719 = 10% down payment
      Includes ITIN borrowers with no credit score
    • 450-549 = 15% down payment.
  • Two years of continuous employment. However, gaps are allowed up to 60 days if borrower provides explanation letter and is approved by SRH Capital.
  • One year of rental history verification.
  • No foreclosure, short sale or repossessions within the previous 2 years.
  • No derogatory rental history, housing collection or judgments within 2 years. One late payment allowed.
  • No new collections or judgments within 6 months, other than medical.
APPLY FOR A HOME LOAN

Fees

All loans are subject to the following list of fees

  • 2.9% loan origination fee
  • $32.95 credit report fee
  • $45.00 home appraisal fee
  • $9.00 flood determination fee
  • $97.00 life of loan tax fee
  • $55.00 titling/registration fee

 

We accept DTI ratios up to 50%

*Approval conditions are subject to change without notice. Additional requirements may apply based on individual circumstances.

A single-story beige manufactured home with white trim, a front door with steps, and landscaped shrubs along a concrete walkway, set against a background of trees and blue sky.