Texas manufactured housing broker bonds.
$500 flat.

Texas requires every licensed manufactured housing broker to file a $50,000 bond with the TDHCA Manufactured Housing Division. Ours is $500 flat — set by our carrier's rate book, identical for every broker. One soft credit pull; the bond is issued when you pay.

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Required for your TX manufactured housing broker license — new applicants and renewals through the TDHCA

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Fixed amount, fixed price — $50,000 bond, $500, no quote theater

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Soft credit pull only — never affects your score, and the price stays $500 either way

A-ratedA.M. Best carriersInstantissued the moment you pay1–3 yrterms available

Trusted by industry leaders

How it works

Three steps to licensed.

Your broker license is waiting on this bond. Here's the entire process — no broker phone tag:

TODAY · ONLINE

Apply once, online

Business details, owner information, effective date. That is the application — the only extra step is a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. The credit check is a soft pull that never affects your score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

E-sign & file with the TDHCA

Pay online and receive the executed continuous bond ready to file with your manufactured housing broker license application. Wet-ink originals mailed whenever the state insists.

About this bond

What it is and who needs it.

What the bond actually guarantees

Texas licenses manufactured housing professionals through the Texas Department of Housing and Community Affairs (TDHCA) Manufactured Housing Division. A broker — someone who negotiates the sale of a manufactured home for someone else — must post a $50,000 surety bond as a condition of the license.

It's a three-party arrangement: you (the principal), the surety carrier standing behind you, and the State of Texas together with harmed consumers (the protected parties). The bond satisfies claims arising from a licensee's violations directly related to the sale, exchange, or brokerage of a manufactured home.

It is not insurance for you — if the surety pays a claim, you repay the surety. Brokers who deal honestly and keep good records treat the bond as a license formality, not a risk. It must stay continuous for the life of the license, so we track it and send renewal notices 60 and 30 days out.

Occupations Code §1201.106Texas Occupations Code §1201.105 conditions the issuance or renewal of a manufactured housing license on a bond or other approved security filed with the TDHCA, and §1201.106 sets that amount at $50,000 for a broker. The bond is payable to the manufactured homeowner consumer claims program, which compensates consumers for actual damages from unsatisfied claims against a licensee. A retailer files the same amount as a broker, while installer and manufacturer amounts differ — confirm the figure on your license application.

You need this bond if you're

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Applying for a TX manufactured housing broker license — the bond is filed with your application

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Renewing your broker license and your current bond is expiring or non-renewing

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Adding broker authority to an existing manufactured housing license

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Re-entering the business after a lapse that reset your bond requirement

One application, issued instantly.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.

Start the application →

FAQ

Common questions.

Do I pay the $50,000?No. You pay $500 — the price set by our carrier's rate book for this bond. The $50,000 is the surety's maximum liability to harmed consumers; it's not a deposit, and nobody holds your money.

Who requires this bond?The Texas Department of Housing and Community Affairs (TDHCA) Manufactured Housing Division requires it as a condition of a manufactured housing broker license, under Occupations Code §1201.106. No active bond, no license.

Is the broker amount really $50,000?Yes — Occupations Code §1201.106 sets the broker bond at $50,000. A retailer files the same amount, while installers and manufacturers carry different amounts, so make sure you are applying for the broker bond.

Is there a credit check?Yes — one soft credit pull, which never affects your score. It's the only extra step beyond the application, and it informs approval, not price. The price is $500 either way: credit can affect whether we approve the bond, never what it costs.

When does it renew?Terms run 1, 2, or 3 years — your choice at purchase. The bond must stay continuous for as long as you hold the license; we send renewal notices 60 and 30 days out, with autopay available, so your license never lapses over a missed email.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

Related bonds

Other Texas bonds.

The TDHCA is waiting on one document.

$500 flat, short application, bond issued when you pay. Free until issued.

Start application

Your price$500

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