FHA, VA, and USDA Financing for Your Elegment Modular Home in Texas
FHA loans require as little as 3.5% down, VA loans offer 0% down for veterans, and USDA loans provide 100% financing.
All three loan programs are backed by the federal government, providing security and competitive terms.
Our modular homes qualify for FHA, VA, and USDA financing programs with flexible credit requirements.
Choose from FHA (any location), VA (veterans), or USDA (rural areas) based on your eligibility and location.
Enjoy competitive interest rates and 30-year fixed terms with flexible credit qualifying options.
Each program offers unique advantages: FHA flexibility, VA no down payment, USDA rural benefits.
Browse our 5 modular home models and select the perfect design for your family's needs and lifestyle.
We'll help you find the right land in Texas that meets your financing program requirements for your home placement.
Reach out to MetroPlex Mortgage Services for a free pre-qualification. They'll assess your eligibility and explain your options.
Complete your loan application, receive approval, and close on your new home with zero down payment.
We've partnered with MetroPlex Mortgage Services, a specialist in FHA, VA, and USDA loans, to bring you exceptional financing options.
Established in 2001 with over 20 years of experience in FHA, VA, and USDA loan programs and proven expertise.
Deep understanding of all government loan programs with flexible credit qualifying and in-house underwriting.
Top-ranked customer service with a commitment to communication, follow-up, and on-time closings.
Minimum 3.5% down payment, 580+ credit score, steady employment history, and debt-to-income ratio under 57%.
Available to eligible veterans, active military, and surviving spouses. No down payment required, no PMI, and competitive rates.
Property in eligible rural area, income limits based on location, no down payment required, and primary residence only.
All programs require the home to be your primary residence, not a second home or investment property.
Each program offers flexible credit requirements with options for various credit situations and histories.
You must demonstrate stable income and the ability to repay the loan based on debt-to-income ratios.
Contact Element Homes team today to get started with your home ownership journey!
Call/Text: (970) 420-2440
1. Choose your ideal modular home model
2. Select a Texas land parcel that suits your needs
3. We'll coordinate with MetroPlex on your behalf
NMLS ID #185288
Call/Text: 813-935-8330
Toll Free: 800-806-9836 x280
Email: SeanS@MPLX.org
Website: www.MPLX.org
USDA Specialist: www.USDALoanPro.com
Common questions about financing your modular home
MetroPlex Mortgage Services | Company NMLS # 185264 | Equal Housing Opportunity
This is not a commitment to lend. Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Other restrictions may apply.