Financing
Financing Options for Every Situation
We work with a network of lenders and offer owner financing to help Central Texas families become homeowners. ITIN buyers are welcome. No tax returns and no credit history? You can still apply. Every application is reviewed individually — subject to application and approval.
Ways we can help you finance a home
Owner Financing
Owner financing for buyers who don't fit the traditional lending mold. Flexible qualification, straightforward terms — subject to application and approval.
Third-Party Lender Programs
We work with third-party lenders who offer loans for both home and land. The right option depends on your situation — subject to application and approval.
Land-and-Home Packages
If you already own land, or want help finding a lot, we can structure land-and-home financing so the home and site improvements are handled together — subject to application and approval.
Down Payment & Trade-In Options
We work with a range of down payments and can review trade-ins on existing manufactured homes. Contact us for current options — subject to application and approval.
Who we welcome
- ITIN applicants — a Social Security number is not required to apply.
- Buyers with no U.S. credit history — we look at the whole picture, not just a score.
- Self-employed, 1099, and cash-income buyers — no tax returns required to start.
- First-time homebuyers who want a bilingual team walking them through each step.
How the review works
Every application is reviewed individually by a real person on our team. There is no automatic yes or no, and there is no guarantee of approval — we look at income, housing history, and the full context of your situation to find the option that fits.
Financing FAQ
Start a Conversation
Tell us a little about yourself and we'll reach out to walk through your options. No credit pull to start.
All financing is subject to application, credit review, and approval. Advertised options are not a guarantee or commitment to finance. Terms vary. Vida Casita is a TDHCA-licensed retailer, broker, and installer, RBI #38397.