Terrell, Kaufman County
In-house lender. ITIN, passport, matrícula accepted. No credit required.
Delivery from Greenville (~28 mi to Terrell). Bilingual service.
In Terrell and across Kaufman County, many families want to own a home but hit walls with traditional banks: they demand perfect credit history, years of tax returns, and stacks of paperwork. Working families, recent immigrants, and people with ITIN numbers frequently get shut out.
We're different because we have our own lender. We approve families in Terrell on real-world criteria — passport, matrícula consular, ITIN, proof of income. No established credit, no tax returns.
The process is direct. Visit the Greenville lot (~28 miles from Terrell), pick the home that fits your family, bring your ID and a recent income document, and we handle the rest. Fast decision, no long paperwork.
Industry data · sourced
Verifiable industry statistics and anonymized customer scenarios from our caseload. Every figure links to its source — verify any of them.
Americans living in manufactured/mobile homes today — the single largest source of unsubsidized affordable housing in the U.S.
Manufactured Housing Institute, "Quick Facts" (2024)Average sale price of a new manufactured home in 2024 — roughly 35-50% less per square foot than a comparable site-built home.
U.S. Census Bureau, Manufactured Home Survey (2024)Share of Texas residents who are Hispanic or Latino — the largest demographic block in the state and a primary buyer pool for ITIN-friendly housing finance.
Texas Demographic Center, Population Estimates (2023)Typical lead time from purchase to lot delivery + setup for a Texas manufactured/mobile home, including transport permitting and skirting — varies by distance and county requirements.
Texas Department of Housing and Community Affairs (TDHCA), Manufactured Housing Division (2024)Names and identifying details removed. Profile, product, process, and outcome are real. Date reflects verification.
Royse City — Hispanic family of 4, double-wide (3 bed / 2 bath)
“Buyer had an ITIN number and no prior credit history. Applied using passport and recent pay stubs as proof of income. Approved by our in-house lender the same day.”
Outcome: Delivery and setup coordinated to family-owned land; monthly payment landed comfortably inside their budget.
— Anonymized case · verified 2026-04
Sulphur Springs — young couple, 12×36 tiny casita with loft
“First home purchase. Matrícula consular was their only ID. No tax returns, no FICO score. We offered options that fit their actual situation.”
Outcome: Home delivered to lot in under 3 weeks; couple moved in without waiting to "build credit" first.
— Anonymized case · verified 2026-03
Greenville — retired couple downsizing, 14×60 single-wide (2 bed)
“Looked to downsize from a larger home. Partial cash payment + financed remainder. No tax returns required, no long paperwork.”
Outcome: Home installed on family land; predictable monthly payment instead of a conventional mortgage.
— Anonymized case · verified 2026-02
Yes. We serve families in Terrell and Kaufman County from our Greenville lot (~28 miles). We coordinate transport, permits, and on-site setup.
No. We accept ITIN as an alternative to SSN, plus passport and matrícula consular as ID. Our in-house lender doesn't depend on the traditional banking system.
Delivery depends on distance, permits, and your specific lot. Terrell is ~28 miles from our Greenville lot. Call (214) 232-9369 with your address for an exact quote.
An ID (passport, matrícula consular, or driver's license), an ITIN if you don't have an SSN, and proof of income (recent pay stubs or bank statements). No tax returns required.
You'll need a lot zoned for manufactured housing with basic utility hookups (water, electric, septic or sewer). Before buying land, call Oscar — we help verify Kaufman County requirements with you.
Yes. We handle the manufactured home title (TDHCA Statement of Ownership) as part of closing, plus transport permits.
Typically 10-21 days for in-stock homes depending on permits and Kaufman County requirements. Custom factory orders run 8-14 weeks.
Our terms are designed for comfortable payments without prepayment penalties in most cases. Call Oscar to confirm your specific contract terms.
Absolutely. Visit our Greenville lot (167 Horsemans Rd) anytime during business hours. ~28 miles from Terrell — short trip to see your next home in person.
Yes. Oscar Osorio handles everything personally in Spanish. All documentation, financing, and communication are available in Spanish for Hispanic families in Terrell.
Fill the form or call. Oscar replies same-day, English or Spanish.