Stephenville, Texas
A brand-new home for what a rent house costs.
Live free. Live well.
Homes at West Ranch start at $1,149 a month, all in, home payment, lot rent and estimated insurance together. A three-bedroom rent house in Stephenville runs $1,400–$1,750.
Estimated payments, not an offer of credit. See the assumptions.
14 homes fit that, all in, home payment, lot rent and insurance together.
Estimated payments, not an offer of credit. No credit check to look.
Start here
Know your payment before you apply
No credit check to shop. Every home shows a real all-in monthly payment, home, lot rent and insurance in one number, so you know what it costs before anyone runs anything.
Lending by
Zippy finance manufactured homes specifically. West Ranch is not a lender and does not make credit decisions.
Trade in your current home
Already own a manufactured home? Tell us about it and we will put a real number on it, often enough to cover the down payment on a new one.
The Molly
2 bed · 2 bath · 940 sq ft · 16 x 60
West Ranch · In stock. About 4 weeks to your lot
$58,900 · $10,000 down · includes $625 lot rent
The Tropic
3 bed · 2 bath · 1,034 sq ft · 16 x 66
West Ranch · In stock. About 4 weeks to your lot
$63,900 · $10,000 down · includes $625 lot rent
The Nixon
2 bed · 2 bath · 1,065 sq ft · 16 x 68
West Ranch · In stock. About 5 weeks to your lot
$66,900 · $10,000 down · includes $625 lot rent
The Atlantis
3 bed · 2 bath · 1,191 sq ft · 16 x 76
West Ranch · In stock. About 4 weeks to your lot
$69,900 · $10,000 down · includes $625 lot rent
The Show Home
3 bed · 2 bath · 1,191 sq ft · 16 x 76
West Ranch · On the lot now, walk it in person or in 3D
$74,900 · $10,000 down · includes $625 lot rent
The Jackson
3 bed · 2 bath · 1,191 sq ft · 16 x 76
West Ranch · In stock. About 5 weeks to your lot
$74,900 · $10,000 down · includes $625 lot rent
Find the one that fits
Under $1,350 a month
All in, including lot rent. Less than most three-bedroom rent houses in town, and the home is yours.
Shop these →5Room for everyone
Four and five bedrooms, so nobody has to share unless they want to. These move fastest.
Shop these →18Walk it in 3D
Move room to room at your own pace, from the sofa, before you drive anywhere.
Take a tour →9Doublewides
Twenty-eight feet across and wider. At this size it stops reading as a manufactured home from the inside.
Shop these →Already own a home?
Rent a lot at West Ranch
Spacious pads with water, electric and sewer, and every amenity above included. No separate amenity fee.
See lot availability →Somewhere for the RV
Covered & uncovered storage
RVs, boats, trailers and vehicles. Gated, lit, and you can get to your things whenever you want them.
Check availability →Getting into a home
What it actually takes
Three questions decide whether someone buys a home this way, and almost nobody answers them without making you call first. Here they are.
The cash
What you need up front
$5,000
puts you in the most affordable home here at $1,198 a month, all in, over 25 years at 11.00% APR, financing $53,900. You will also need your first month’s lot rent of $625.
The lender sets the minimum down payment, and it depends on your credit. More down always lowers the payment, the slider on every home shows by how much.
The credit
What your credit has to be
No score to shop
Nothing on this site touches your credit. You can price every home, change your down payment and see what fits without anyone running anything.
When you do apply, the lenders who finance homes of this type look at a wider range of credit than a bank mortgage desk does. We are not a lender and we do not approve anyone, we send your application to people who do, and they tell you your real terms.
The time
How long until you live there
1 ready now
One home is on the lot today, those move at the speed of your loan, usually a few weeks. Anything ordered from the factory takes 4–12 weeks to build and deliver, and every listing shows its own estimated move-in date.
An estimate, not a commitment. Weather, the lender and the inspection schedule all move it.
And here is the whole path
- Pick the homeYou are here
Browse what is on the lot, set your down payment, and see the real all-in payment on each one. Nothing here costs anything or touches your credit. - Tell us about you
Seven questions, about a minute. We call you back, usually within a few minutes during office hours, and talk through what actually fits. - Get approved
We send your application to lenders who finance homes of this type. They pull your credit at this point, under their own authorization, and tell us your real terms. - Choose your lot
Walk the community and pick your site. We hold it for you while the paperwork finishes. - Sign and fund
Deposit, contracts, and funding. We handle delivery, set, skirting, steps and utility connections. - Move in
Final inspection and your certificate of occupancy, then keys. Most homes are ready within a few weeks of funding.
Included in the price
- The home itself, Brand new, never lived in
- Delivery and set, Placed, leveled, and tied down
- Skirting, Fully enclosed, installed
- Steps and landing, Front and rear entries
- All appliances, Refrigerator, range, dishwasher, microwave
- Utility connections, Water, sewer, and electric to the home
No separate freight bill at the end. See the full list
Not included
- Monthly lot rent, Separate from the home price, shown on every home
- Electric and water, You set up your own accounts
- Furniture, Homes are delivered unfurnished
- Fencing or decks, Allowed with approval, at your cost
Lot rent and insurance are in every monthly payment on this site. They are never financed into the home.
See which homes fit your number
Tell us what you can pay a month and what you can put down. You get the homes that fit on the next screen, then a person calls you. No credit check, no obligation.
Every payment on this page is an estimate, not an offer of credit. Your actual rate and term come from the lender. See the assumptions behind these numbers.
Simple amenities. Real community.
What we are building here
Affordable to build. Priceless to live. None of these are open yet. This is the plan, not the ground today. Each one is included in your lot rent when it opens: no amenity fee, no membership.
- The YardPlanned, Open-air pavilion, picnic tables, string lights and food truck spaces. Local food, good company, every night.
- The CorralPlanned, Fire pits, Adirondack chairs and string lights. The spot to unwind and actually talk to your neighbours.
- Community LawnPlanned, Open green space for games, movie nights and gatherings. Neighbours. Friends. Family.
- Walking TrailPlanned, Scenic paths to walk, jog or ride. Fresh air and peace of mind, without leaving the property.
- Dog ParkPlanned, Fenced, shaded and built for our four-legged residents to run and play.
- HorseshoesPlanned, A classic Texas tradition that everyone here ends up playing.
Rent versus own
Typical 3 bed / 2 bath rent house in Stephenville
$1,400–$1,750 /mo, and it is not yours
Based on local rental listings.
A home here
Yours, on a leased lot
from $1,149 /mo all in
Home payment, lot rent and estimated insurance. Utilities, taxes and deposits are not included.
Already own a home?
Rent a lot at West Ranch
Spacious lots with water, electric and sewer hookups, and up to two dogs welcome. See what is open right now.
See available lots →RV, boat, trailer or vehicle
Outdoor storage
Covered and uncovered spaces on the same property, accessible whenever you need them.
Check availability →