Your Guide to Affordable Texas Living
For budget-conscious buyers in San Antonio, Corpus Christi, and across South Texas, repossessed manufactured homes offer a path to homeownership at a fraction of the typical cost. These are bank-owned homes reclaimed by lenders and sold at deep discounts, often up to 50% off market value. With prices ranging from $10,000 to over $100,000, these homes provide a significant opportunity for budget-conscious buyers.
Whether you’re a first-time buyer or an investor, repo homes are a practical solution. Many are habitability certified, and some dealers even offer warranties. The key is to understand the process and work with experienced dealers who specialize in these unique properties.
Ready to explore your options? Let’s explore what makes these Texas-sized savings possible and how to find the perfect repo home for your family.
What to Expect from Repossessed Manufactured Homes in Texas
Bank repossessed mobile homes are sold by lenders to recover their outstanding loan balance. This often means a significantly lower price for the buyer. However, the condition of these homes can vary widely, from move-in ready to serious fixer-uppers. Most are sold “as-is,” meaning the buyer accepts the home in its current state.
A thorough inspection is non-negotiable. We recommend hiring a professional, but here’s a quick checklist:
- Structure: Check the frame, foundation, walls, and roof for sagging, cracks, or other damage.
- Water Damage: Look for stains, soft spots, or musty odors on ceilings, floors, and walls. You can review common signs of water damage for more details.
- Systems: Test the electrical, plumbing, and HVAC systems to ensure they are functional and safe.
- Exterior: Inspect siding, skirting, windows, and doors for wear and proper sealing.
While the low price is a major pro, potential cons include unexpected repair costs, title issues or liens, and the general depreciation trend of manufactured homes. At Manufactured Housing Consultants, we mitigate these risks by providing habitability certification on many of our homes and offering a 60-day habitability warranty for your peace of mind. For a deeper dive, see our guide on Buying Repo Mobile Homes: Pros vs Cons.
The Buying Process and Legal Steps
Purchasing a repossessed manufactured home in Texas is a straightforward process when you know the steps:
- Find a Home: Browse listings from specialized dealers like us, with locations across Texas including San Antonio, New Braunfels, and Corpus Christi.
- Inspect Thoroughly: Perform your due diligence to understand the home’s condition.
- Secure Financing: Get pre-approved. We partner with specialized manufactured-home lenders who understand chattel loans, even for those with bad credit.
- Make an Offer & Close: Once your offer is accepted, the legal process begins. A key step is a title search to ensure there are no outstanding liens. The home’s ownership is transferred via a Certificate of Title, managed by the Texas Department of Housing & Community Affairs (TDHCA).
The main difference from buying a standard used home is that you’re dealing with a bank or dealer, and the “as-is” nature requires more careful inspection. We guide you through the entire process, ensuring a clear title and smooth closing. Please note that while we facilitate land/home packages, our expertise is in the homes themselves; we do not act as real estate agents for land-only sales or sell traditional site-built houses. Learn more from our Complete Guide to Buying a Mobile Home in Texas.
Financing and Finding Repossessed Manufactured Homes in Texas
Financing a repo home is very accessible. Chattel loans, which are for the home itself (personal property), are the most common option. They often have flexible terms and are easier to secure than traditional mortgages. Cash purchases are also a great way to simplify the process.
We specialize in helping customers find the right financing. Visit our Finance Manufactured Homes page to learn more.
Where can you find these homes? The best source is a specialized dealer like Manufactured Housing Consultants. We acquire homes directly from banks, giving us an exclusive inventory. You can also check reputable online marketplaces or bank websites, but a trusted dealer simplifies the process by handling inspections, title clearance, and paperwork.
Start your search by exploring our available bank repos or visiting one of our Texas locations in San Antonio, New Braunfels, Von Ormy, Laredo, Corpus Christi, or Victoria.
Common Types of Repo Homes and What to Consider
When shopping for repossessed manufactured homes in Texas, you’ll primarily choose between single-wide and double-wide models. You’ll also need to decide if you want a home-only purchase or a package that includes land. This choice impacts your budget, lifestyle, and financing.
Think of it like choosing a vehicle: a compact car suits different needs than a large SUV. The same logic applies here. A cozy single-wide might be perfect for a young couple, while a growing family will appreciate the space of a double-wide.
Single-Wide vs. Double-Wide Repo Homes
The choice between a single-wide and a double-wide comes down to balancing space and budget.
Single-wide homes are built and transported as one unit. They typically offer 600-1,200 square feet with 1-3 bedrooms. Their main advantage is affordability, with repo models often starting around $29,900. They are also easier and cheaper to move and set up, making them ideal starter homes or rental properties. If you’re wondering if this is the right fit, ask yourself: Should I Consider a Single Wide Mobile Home?.
Double-wide homes are built in two sections and joined on-site, creating a more traditional house feel. They provide a spacious 1,200-2,400 square feet with 2-5 bedrooms. Repo double-wides might start around $54,900. The extra space and open floor plans are perfect for families seeking long-term comfort. While transport and setup are more complex and costly, many find the added living space well worth the investment. For more details, see our Guide on Double Wide Mobile Homes.
Homes With Land vs. Home-Only Purchases
This is a critical decision that affects ownership and financing.
Buying with land means your home becomes real property. When permanently affixed to land you own, it can appreciate in value over time, similar to a site-built house. This allows you to build equity and may qualify you for traditional mortgage financing. However, the upfront costs are significantly higher, as you’re purchasing both the home and the land. If you already own land, you may be able to use it as a down payment. Learn more about Using Land as Down Payment for Mobile Home.
Home-only purchases are more common in the repo market and offer maximum affordability and flexibility. You buy the home as personal property and place it in a manufactured home community or on leased/family land. Financing is typically done through more accessible chattel loans. The main ongoing cost is lot rent if you choose a community. Our prices for repossessed manufactured homes in Texas often include delivery, setup, and AC installation within our service area, which covers the entire state. It’s important to clarify that we do not sell land by itself or provide site preparation services like well drilling or septic installation; these must be arranged separately by the homeowner. If you ever need to move your home, we also offer Mobile Home Relocation Services.
Your choice depends on your long-term goals, budget, and desired level of control over your property.
Find Your Texas Dream Home for Less
Your journey to homeownership doesn’t have to break the bank. For families across Texas, from San Antonio to Houston, repossessed manufactured homes are the smartest path to affordable living. Choosing a repo home isn’t just about the immediate savings—it’s about the freedom and stability that come from manageable housing costs and building your own equity.
At Manufactured Housing Consultants, we make this process smooth and transparent. We are your partners, committed to finding the right home for your needs, whether it’s a cozy single-wide or a spacious double-wide for your growing family.
What sets us apart is our commitment to your success. Our guaranteed lowest prices are a promise that you’re getting the best deal. We deliver anywhere in Texas, from Austin to Dallas, getting your home exactly where you want it. Our team understands that buying a repo home can feel overwhelming, which is why we guide you through every step, from inspection to financing, even if your credit isn’t perfect. While our expertise is focused on the homes themselves—we don’t offer services for site-built homes or act as land brokers—we are committed to making your manufactured home purchase a success.
With locations in San Antonio, New Braunfels, Von Ormy, Laredo, Corpus Christi, and Victoria, expert help is never far away. The word “repossessed” is your ticket to Texas-sized savings and the dream of homeownership.
Ready to see what’s possible? Browse our current selection of bank repos and take the first step toward owning your piece of Texas. We can’t wait to help you find your perfect home for less.
