Owner Finance Resources

Welcome to TMHA's Owner Finance Resource Guide. The goal of this section is to help you find the information you need to operate in the owner finance space under current federal and state regulation.

Where to Start

If you did not attend our Dodd-Frank Implementation workshop in January, it is strongly recommended that you purchase the online rebroadcast and resource guide.


For any questions you have on the topics and materials below please send those in email form to ownerfinance@texasmha.com. TMHA and its staff can not answer any questions on owner financing over the phone or orally as we must document and abide by our limitation to not provide specific legal advice.

Broad topical questions are candidates for future research articles and resources, so please do submit them.

Articles, Videos and FAQs

Average Prime Offer Rates

The FFIEC publishes the Fixed APOR Table for the week every Monday. The current week is the last entry in the table.

  • A Higher-Priced Mortgage Loan is 1.5 percentage points or more higher than the current APOR for any givern term
  • A High-Cost Mortage (Over HOEPA Limits) is:
    • More than 6.5 percentage points over the current APOR for any givern term, for real and personal property loans $50,000 and above
    • More than 8.5 percentage points over the current APOR for any givern term, for personal property loans under $50,000

Federal/CFPB Compliance Guides

Texas MH Guidance


Owner-Financing/Small Lender Consultants



Compliance Manuals


Mortgage Professional Resources