Texas manufactured housing retailer bonds.
$500 flat.

Texas requires a licensed manufactured housing retailer (and broker) to file a $50,000 bond with the Department of Housing and Community Affairs. Ours is $500 flat — set by our carrier's rate book, identical for every retailer. A quick soft credit check may apply; the bond is issued when you pay.

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Required for your TDHCA retailer or broker license under Occupations Code § 1201.105

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

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Soft pull for approval only — never a hard inquiry, 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 TDHCA 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. The only extra step is a one-time consent to a soft credit check.

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 TDHCA

Pay online and receive the executed bond (TDHCA form 1025) ready to file with your retailer 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 Department of Housing and Community Affairs (TDHCA) under Occupations Code Chapter 1201, and conditions a retailer or broker license on a $50,000 surety bond. The bond is a consumer-protection guarantee: it stands behind your compliance with the manufactured housing standards act.

It's a three-party arrangement: you (the principal), the surety carrier, and the State of Texas together with harmed consumers. If a retailer engages in fraud, misrepresentation, or fails to meet its obligations under Chapter 1201, the harmed party can recover against the bond.

It is not insurance for you — if the surety pays a claim, you repay the surety. The same $50,000 figure applies to brokers; manufacturers post $100,000 and installers $25,000, each a separate bond under § 1201.106. The continuous bond is filed on TDHCA form 1025.

Tex. Occ. Code §§ 1201.105–1201.106 (TDHCA form 1025)Texas Occupations Code § 1201.105 requires a manufactured housing license applicant to file a bond or other security payable to the manufactured homeowner consumer claims program administered by the Department of Housing and Community Affairs, and § 1201.106 sets the amount at $50,000 for a retailer, $50,000 for a broker, $100,000 for a manufacturer, and $25,000 for an installer. The continuous bond is filed on TDHCA form 1025.

You need this bond if you're

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Applying for a TDHCA retailer license to sell manufactured homes in Texas

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Licensed as a broker carrying the same $50,000 bond requirement

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

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Re-entering the market after a lapse in your manufactured housing license

One application, issued instantly.

These are the actual underwriting fields, including a one-time consent to a soft credit check. 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 flat, set by our carrier's rate book. The $50,000 is the surety's maximum liability to the state and 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) requires it as a condition of a manufactured housing retailer or broker license, under Occupations Code § 1201.105. No active bond, no license.

Does the broker license use the same amount?Yes — both retailers and brokers post a $50,000 bond under § 1201.106. Manufacturers post $100,000 and installers $25,000; if you hold more than one license type, each carries its own bond.

Is there a credit check?A quick soft credit check may apply — never a hard inquiry, no impact on your score. It informs approval, not price. The price is $500 flat 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. You'll get renewal notices 60 and 30 days before expiration, with autopay available, and the bond must stay active for your license to stay valid.

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.

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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