Manufactured Home Loans in Texas

At Spark Homes, we don’t just offer the finest manufactured homes, modular homes, and mobile homes for sale in Texas. Our preferred lender offers a wide range of mobile home financing services as well! Our preferred lender’s team is focused on tying the homes and land together to provide our clients with attractive, low down payment financing through FHA, USDA, Conventional and VA loan programs. Whether you’re in the market for a new home or refinancing your current loan, we have you covered.

Apply Now With Our Preferred Lender

Jonathan Arp

Jonathan is passionate about partnering with realtors to help families turn a house into a home. He believes the foundation of a successful business relationship is availability and communication. With previous experience in customer service in the automotive industry and tutoring student athletes at Baylor, no one will work harder or care more about their customers.

Jonathan is a graduate of New Braunfels Christian Academy and has lived in New Braunfels since 2006. After graduating from Baylor University with a degree in marketing, he decided to move back home to be close to his family and work in the community that helped raise him. In his free time, Jonathan enjoys lifting weights, watching basketball and football, and spending time with his family.

Mobile Home Financing Made Easy

Getting financing for your manufactured home or modular home doesn’t have to be a struggle — you just need to have the right team on your side. At Spark Homes, we work with industry-leading professionals that are standing by to help you secure financing quickly and easily. Take a look at our areas of expertise, and if you’re ready to get started, just fill out the short form below and a financing expert from our preferred lender will be in touch as soon as possible to discuss financing your home. Spark Homes, in collaboration with our preferred lender, are experts in One-Time Close loans, land home packages, and manufactured homes on acreage.

Get a Loan

Our preferred lender offers a wide range of loan options, such as FHA, VA, USDA, and Conventional. No matter what your situation, our finance experts can guide you through the process from start to finish painlessly.


Shop for your new home like a cash-buyer! Know what you can afford and negotiate in good faith with a pre-approval from a trusted lender. Having a pre-approval in hand gives you an edge over other offers and speeds up the process once you’ve chosen a home you love.

Buying a Home

We know that purchasing your first home can be intimidating and confusing. Having Spark Homes on your side will make all the difference. Let us make the dream of homeownership a reality! Owning your home is a lifetime commitment and we promise to be there for you every step of the way.


Did you secure your original loan when rates were higher, and now want to take advantage of the current low rates? Do you have an adjustable rate mortgage and are looking to move into a fixed-rate loan? Both are great reasons to refinance now! Get in touch now to see how much you can save by refinancing.

Did you know that most of the homes that we sell qualify for the Fannie Mae MH Advantage program? Take a look at some of the program benefits below!

MH Advantage ®

With Fannie Mae’s innovative MH Advantage offering, designated manufactured homes designed with features similar to site-built homes are now eligible for financing terms more consistent with standard conventional loans. Combine features, like a down payment as low as 3%, with the lower price and customizable finishes of modern manufactured homes!

Program Benefits

  • Allows new manufactured homes to be appraised using site-built comparable homes vs. existing manufactured homes
  • Can be combined with Fannie Mae's HomeReady program for the same 3% down requirements
  • Helps address the affordable housing crisis - customers can now get the benefits of a manufactured home without paying the costs associated with stick-built
  • Allows customers to use currently owned or gifted land as their down payment - customers could come to closing with no additional money out of pocket
  • Lower monthly mortgage insurance premiums for homes as they are classified as site-built

Not Ready to Apply?

If you still have questions about the financing process, or you’re not sure what loan is right for you, let us know. We’d be more than happy to answer all your questions prior to the application process. Just fill out the form below and one of our finance specialists will be in touch as soon as possible.