Texas manufactured housing bonds.
$500 flat.

Texas licenses manufactured-housing professionals through the TDHCA Manufactured Housing Division, and a retailer, broker, or installer must file security with the license. A retailer or broker posts a $50,000 bond; ours is $500 flat, the same checkout price for everyone.

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Required for your TDHCA manufactured-housing license — retailer, broker, and/or installer

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

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A quick soft credit check may apply — never a hard inquiry, no impact on 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 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. That is the application — the only extra step is a one-time consent to a soft credit check, run as a soft pull only.

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 bond ready to file with your manufactured-housing license application or renewal. Wet-ink originals mailed whenever the state insists.

About this bond

What it is and who needs it.

What the bond actually guarantees

Texas regulates the manufactured-housing trade through the Texas Department of Housing and Community Affairs (TDHCA) Manufactured Housing Division under Occupations Code Chapter 1201. A license applicant or holder must post security, and the bond is a consumer-protection guarantee that you'll comply with Chapter 1201 and the Division's rules.

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). If a licensee violates the manufactured-housing statute or rules and a buyer is harmed, that buyer can recover against the bond.

It is not insurance for you — if the surety pays a claim, you repay the surety. Licensees who follow the rules treat the bond as a license formality, not a risk.

Tex. Occupations Code §1201.105–.106Texas Occupations Code §1201.105 requires a manufactured-housing license applicant or holder to file a bond or other security with the TDHCA, and §1201.106 sets the amount: $100,000 for a manufacturer, $50,000 for a retailer, $50,000 for a broker, and $25,000 for an installer. The TDHCA does not require a separate bond for each license type when the capacities are applied for as a single license, so a $50,000 bond covers a retailer/broker/installer combination — confirm the figure on your TDHCA application.

You need this bond if you're

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Applying for a TDHCA license as a manufactured-housing retailer, broker, or installer

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

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Adding the installer endorsement to a retailer or broker license

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Re-entering the trade 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 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 — the price set by our carrier's rate book for this bond. The $50,000 is the surety's maximum liability to the state and harmed buyers; it's not a deposit, and nobody holds your money.

Who requires this bond?The TDHCA Manufactured Housing Division requires it as a condition of a retailer, broker, or installer license under Occupations Code Chapter 1201. No active security, no license.

Is the amount really $50,000 for me?For a retailer or broker, yes — §1201.106 sets retailer and broker security at $50,000 (installer alone is $25,000, manufacturer is $100,000). The TDHCA does not require a separate bond for each license type applied for as a single license, so a retailer/broker/installer combination is covered by the $50,000 bond.

Is there a credit check?A quick soft credit check may apply — never a hard inquiry, and it never affects your score. It's the only extra step beyond the application, and it informs approval, not price. The price stays $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. You'll get renewal notices 60 and 30 days before expiration, with autopay available, and the bond must stay active for your TDHCA 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.

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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