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Texas licence MHDRET00037870

(832) 558-5822

Financing with no credit check

We offer owner financing with no credit check and no tax documents required.

Call (832) 558-5822Estimate your monthly payment

What owner financing means here

  • We finance the home ourselves, without going through a bank.

  • We do not run a credit check.

  • We do not ask for tax documents.

What to bring

Every home is worked out separately, but here is generally what we will ask for when you come in:

  1. A down payment. The amount depends on the home, so ask us about the one you like.

  2. Proof of income, so we can find a monthly payment that actually fits.

  3. A valid ID.

There is no single requirement that applies to everyone. Call us and we will tell you exactly what applies to the home you are looking at.

The numbers on this page are illustrative only. They are not an offer and not an approval. Terms, down payment and monthly payment are set for each individual home.

Payment estimator

What would you put down, and what would you pay a month?

Put in the price of the home you have in mind, move the down payment and the length, and see the monthly figure.

Estimated monthly payment

Example figure

$559per month

Down payment
$8,250
Amount financed
$46,750
Length
12 years

Principal and interest only. Does not include taxes, insurance, lot rent or moving the home. This is not a credit offer and not an approval. Real terms are agreed home by home.

The values this calculator opens on are an example, not our terms. We do not publish a set down payment, a set rate or a set length, because those are agreed home by home. Move them to what fits you and treat the result as a reference only.

$55,000
$8,25015%
12 years

Example assumption

10.00%

You do not set the rate, and neither do we set it here. It is here as an example so the math has a number; the real one is agreed when you pick the home.

How it works

From the first call to the keys in your hand

Four steps. No bank in the middle and no surprises.

  1. Pick your home

    Tell us how many bedrooms you need and what you can spend. We will show you what is on the lot that week and what is on the way.

  2. Visit the lot

    Drive out to Cleveland and walk the home yourself. Not just photos — you see it, measure it and decide.

  3. Financing without credit

    We finance it directly. No credit check and no tax documents required. Terms are set home by home.

  4. Move in

    We coordinate moving and setting the home on the land or in the park you choose.

Interested in a home?

Leave us your details and we will tell you what is on the lot.

Would you rather talk to someone right now? Call (832) 558-5822

Frequently asked questions

The questions families ask us most when they come out to the lot.

Do I need credit to buy?
No. We offer owner financing and we do not run a credit check. That is why we can work with families a bank turns down.
Will you ask for tax documents?
No. We do not ask for tax documents. We will ask for a valid ID and some proof of income so we can find a monthly payment that fits.
Can I put the home on my own land?
Yes. Many of the families who buy from us already own their land and just need the home. We coordinate moving and setting it on your lot. We also work with homes that go into a park.
What homes do you have today?
Inventory changes every week, so the site does not always reflect what is sitting on the lot today. Call us at (832) 558-5822 and we will tell you exactly what is here.
Where are you and when are you open?
We are at 25155 TX-321, Cleveland, TX 77327, right on Highway 321. We are open Monday to Friday 8:00 AM to 6:00 PM and Saturday 9:00 AM to 5:00 PM. We are closed Sunday.
Do you speak Spanish?
Yes. We handle everything in Spanish from the first call through the paperwork.
Call now