Get 100% USDA Financing for Your Elegment Modular Home in Texas
Professional financing solutions with our trusted mortgage partner
Finance 100% of your home purchase with no down payment required. Keep your savings for furniture and moving costs.
Roll your closing costs into the loan amount up to the appraised value, reducing out-of-pocket expenses.
The USDA zero down financing works great for our modular home models that are 400 sqft or above.
Unlike FHA loans, USDA loans have no maximum loan limits for qualified properties in eligible areas.
Enjoy 30-year fixed rates with no prepayment penalty and flexible credit qualifying options.
Finance eligible home repairs after closing through escrow holdback provisions up to $10,000+.
Browse our 5 modular home models and select the perfect design for your family's needs and lifestyle.
We'll help you find USDA-eligible rural property in Texas that meets 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 Highly Ranked USDA Lender, to bring you exceptional financing options.
Established in 2001 with over 20 years of government loan experience and proven expertise.
Deep understanding of USDA 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.
Income limits are based on family household size and may vary by county. Certain deductions are available to help you qualify.
The home must be intended for use as your primary residence, not as a second home or investment property.
USDA offers flexible credit qualifying with exceptions possible for a variety of situations and credit histories.
Property must be in a USDA-approved eligible area in Texas, typically outside major metropolitan zones.
You must demonstrate the ability to repay the loan based on monthly income and debt obligations.
You cannot have multiple USDA loans at the same time, but can qualify for another after paying off your first.
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
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.