A reference site, run by people who sell homes for a living.
That combination deserves an explanation. Here's who we are, why this site exists, and the rules every guide on it follows.
Who is behind Texas Manufactured Home?
This site is published by Texas New Mobile Homes, a manufactured home retailer licensed by the Texas Department of Housing and Community Affairs (license RBI 37928). Our lot sits at 16640 US-281 on the south side of San Antonio, and we've sold new, used, and bank repo homes to South Texas families since 2008.
Selling homes is our business. This site is not where we do it — you won't find our inventory, our prices, or a "shop now" button anywhere on it.
Why publish a handbook instead of a sales site?
Because the questions buyers bring to our lot every week — what's the difference between manufactured and mobile, what will this really cost, can I get a loan with my credit — have surprisingly bad answers online. Search results for these questions are mostly lender lead-generation pages and decade-old forum threads. Meanwhile, the actual answers live in federal regulations and TDHCA rules that nobody reads for fun.
We already explain this material across a sales desk every day. Writing it down carefully, once, with sources, seemed like the useful thing to do. If a guide here helps you buy a home from us someday, that's the business model. If it helps you buy well somewhere else, the handbook still did its job.
What standards do the guides follow?
- Sources are cited. Claims about the HUD code, Texas titling, or loan programs link to HUD, TDHCA, the eCFR, or other primary sources — not to other blogs.
- Every guide shows its dates. Published and updated dates are printed on the page, and we revise guides when HUD or Texas rules change.
- Market numbers are ranges, not quotes. Cost and rate figures describe the Texas market broadly. Nothing here prices our inventory, and nothing here is financial, legal, or tax advice — for decisions about your own money, talk to your lender or advisor.
- Plain language wins. If a fifth-grader can't follow a sentence about chattel loans, we rewrite the sentence, not the reader.
Spotted an error?
Tell us. Rules change, and we'd rather fix a guide than defend it. Call (210) 441-7040, or use the contact page — corrections go to the same people who wrote the guides.
Where to start reading
The handbook runs in order: Part 1 sorts out the home types, Part 2 explains the HUD code, Part 3 covers costs, Part 4 covers financing and insurance, and Part 5 walks the purchase itself. Or jump straight to whichever question brought you here.
Questions the handbook didn't answer?
Ask a person. We answer buyer questions by phone and text every day, whether or not you ever shop with us.