Manufactured Home Financing in Dayton & Cleveland, TX

11/2/2026

If you're shopping for a manufactured home in Dayton, Cleveland or anywhere else in Liberty County, the loan usually shapes the whole purchase: which home fits your budget, whether land is part of the deal, and how much you'll need up front. This guide walks through the main loan types in plain language, the questions worth asking a lender, and how the team at Conroe Home Center helps buyers get pre-qualified. Despite the name, Conroe Home Center's sales center is right here in Liberty County, at 135 Twin Oaks Dr in Cleveland.

First, decide what you're financing

Lenders look at a home by itself differently from a home and land together. Before you compare loans, know which of these describes you:

• You already own land in Liberty County and need to finance only the home
• You're buying land and a home together
• You plan to place the home on leased land

Your answer narrows down which loan types make sense, so it's worth settling first.

The main loan types

Chattel loans. A chattel loan finances the home itself as personal property, apart from the land. It's often used when the home goes on leased land or when you'd rather keep the land and the home on separate loans. Ask any lender about the term, the down payment, and what you'll pay in total over the life of the loan.

FHA Title I. HUD's Title I manufactured home program insures loans that private lenders make. HUD says it's open to "all buyers who meet credit requirements and plan to use the manufactured home as their principal place of residence." HUD's Title I overview says the loans can cover "a manufactured home unit," "a manufactured home lot," "or a combination of the manufactured home and lot." HUD lists a maximum term of 20 years and 32 days for a single-unit home loan. The interest rate is set between you and the lender, and borrowers pay an upfront insurance premium plus an annual premium.

FHA Title II and conventional land-home loans. When the home and land are financed together as real estate, a regular mortgage may work. These loans come with requirements for how the home is set up and attached to the land, so ask your lender what your home and site need to qualify.

VA loans. If you've served in the military, ask whether a VA loan could work for your home and land.

USDA guaranteed loans. Parts of Liberty County are rural, so this one is worth checking. USDA's Single Family Housing Guaranteed Loan Program fact sheet lists manufactured homes among eligible dwellings and says "No down payment or reserves are required." The property has to be in an eligible rural area, your household income has to fall under the program's limit, and the home has to be your primary residence. USDA has an online property and income eligibility tool, so check your exact address before counting on it.

Get pre-qualified before you fall for a floor plan

Knowing your budget first saves time and disappointment. Conroe Home Center offers free pre-approval and pre-qualification right on its site. Start on the financing page and the team can help you see which homes fit before you start comparing floor plans.

The team, as listed on the site, includes Managing Partner Alejandro Ponzio, Sales Manager Nate Gates, and Housing Consultants Yevgueni "Yev" Zapata and Jeff Vest. One customer wrote that a team member "made the entire process smooth and stress-free."

Homes you can see in Cleveland

Conroe Home Center calls itself a dealer for Jessup Housing, Kabco Builders and Platinum Cottages. Models on display at the Cleveland sales center include:

The Birmingham by Kabco, with 4 bedrooms, 3 baths and 2,280 sq ft (32'x80'). See the Birmingham.

The Molly from Jessup's Promotional series, with 2 bedrooms, 2 baths and 940 sq ft (16'x60'). See the Molly.

The site also features Jessup's Elite series, including the new The Murphy with 4 bedrooms, 2 baths and 2,280 sq ft (32'x76'). Prices aren't posted online, so ask the team for current pricing on any home; that number is what you'll take to your lender. You can browse every plan on the homes page.

Questions to ask any lender

Before you sign, ask whether the loan is chattel or a real estate mortgage, what the full term is, what you'll pay in total, how much you need down, whether land you own can count toward the down payment, and whether there are insurance premiums or fees on top of the monthly payment. Get the answers in writing and compare at least two offers. A low monthly payment over a long term can cost more overall.

Visit the Cleveland sales center

Conroe Home Center is at 135 Twin Oaks Dr, Cleveland, TX 77328, a short drive for Dayton buyers and anyone in Liberty County. Hours are Monday through Friday 9:00 AM to 6:00 PM, Saturday 9:00 AM to 5:00 PM, and Sunday 11:00 AM to 4:00 PM. Call (936) 380-8486, get pre-qualified on the financing page, or see directions and models on display.