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Introduction
From our perspective, professionals involved in selling and brokering manufactured homes across Texas want one thing: a license that allows them to operate legally and build lasting trust. For those engaged in both sales and brokerage activity, the Texas – Manufactured Housing RETAILER/BROKER ($50,000) Bond is a mandatory piece of that licensing puzzle. It’s not just a financial guarantee—it’s a signal that the business stands behind its commitments, follows state rules, and treats buyers and sellers with integrity.
This bond is required by the Texas Department of Housing and Community Affairs (TDHCA) for individuals or companies who hold both retailer and broker licenses in the manufactured housing industry. Unlike standalone bonds for each role, this dual-purpose bond supports the licensee’s ability to represent either side in a housing transaction. It helps ensure compliance with sales agreements, disclosure standards, and legal requirements under Texas law.
The obligation complements other related bonds such as the Texas – Manufactured Housing RETAILER ($50,000) Bond, which covers direct-to-consumer retail transactions, and the Texas – Manufactured Housing RETAILER/BROKER/INSTALLER ($50,000) Bond, which applies to businesses operating across multiple license types. Each bond plays a role in safeguarding the public and giving businesses the credibility needed to thrive in a highly regulated market.
Bond Confusion Delays Licensing and Causes Missteps
We’ve noticed that many applicants don’t fully understand how a broker license differs from a retailer license, or which bond applies when holding both roles. Some mistakenly submit two separate bonds, others apply under the wrong business classification, and many believe this requirement is only for large-volume dealerships. These misunderstandings lead to rejected applications, licensing delays, or expensive amendments later in the process.
In Texas, a manufactured housing retailer sells homes to consumers, while a broker negotiates or arranges sales between other parties. The Texas – Manufactured Housing RETAILER/BROKER ($50,000) Bond is designed for license holders who perform both functions. It covers a broader scope than the Texas – Manufactured Housing RETAILER ($50,000) Bond, which only applies to retail sales, and is more limited in scope than the Texas – Manufactured Housing RETAILER/BROKER/INSTALLER ($50,000) Bond, which covers physical installation in addition to sales and brokerage activity.
The TDHCA requires licensees to meet bonding obligations before issuing or renewing a license. Filing the wrong bond—or skipping it entirely—prevents business operations from starting and may result in noncompliance penalties. That’s why knowing exactly which bond to file is essential for moving forward.
Swiftbonds Provides Guidance at Every Step
Based on our experience helping professionals navigate Texas bonding laws, Swiftbonds has developed a streamlined approach that eliminates guesswork and keeps licensing on track. We work with manufactured housing businesses across all license classes, including those applying for dual or multi-role authorization, to help them select and file the correct bond.
Our services go beyond quoting. We help clarify what the Texas – Manufactured Housing RETAILER/BROKER ($50,000) Bond covers, when it applies, and how it differs from other bonds like the Texas – Manufactured Housing RETAILER ($50,000) Bond or the broader Texas – Manufactured Housing RETAILER/BROKER/INSTALLER ($50,000) Bond. Swiftbonds ensures that the bond form matches TDHCA’s requirements, and we help applicants complete their submissions quickly and confidently.
Whether you’re expanding into brokerage from a retail-only model or applying for a license for the first time, we act as your partner through every step. We offer competitive rates, fast approvals, and a commitment to helping your business stay compliant and protected.
Steps to Secure the Required Bond
What we’ve discovered is that success in securing the Texas – Manufactured Housing RETAILER/BROKER ($50,000) Bond comes from following a well-organized approach. Here are the steps licensees should take:
Step 1: Determine License Scope
Verify whether your business activities include both selling manufactured homes and brokering sales between third parties. If so, this dual bond is required to obtain or renew your license.
Step 2: Gather Required Business Information
Prepare business formation documents, your license application, and financial statements if needed. These items are necessary to apply for the bond and complete the licensing process.
Step 3: Submit Application Through Swiftbonds
Apply for the bond by submitting your details to Swiftbonds. Our team reviews your credit history and business background to determine a fair premium and issue the proper bond form.
Step 4: Sign and Accept Bond Terms
After approval, you’ll receive a bond agreement. Signing confirms your responsibility to operate within TDHCA regulations and allows us to finalize the bond for state filing.
Step 5: File the Bond with TDHCA
Submit the signed bond along with your license application or renewal paperwork. The bond must be on file before your license is granted or renewed.
Step 6: Maintain and Renew Annually
Track your bond expiration date and renew each year to maintain continuous coverage. Let Swiftbonds help you manage renewals and avoid any lapse in compliance.
Timely Filing Keeps Projects and Sales on Schedule
We’ve found that filing the bond early in the licensing process allows businesses to meet deadlines, avoid review backlogs, and begin operations without delay. Waiting to apply for the Texas – Manufactured Housing RETAILER/BROKER ($50,000) Bond until the last minute often results in missed launch dates and resubmission costs if documentation is outdated.
Swiftbonds can issue most bonds in as little as 24 hours, but preparing your application and collecting the right documents in advance is key to staying on schedule. Retailer/brokers who act early are better positioned to launch quickly and capture sales opportunities in their market.
This applies to all related license classes. Professionals filing for the Texas – Manufactured Housing RETAILER/BROKER/INSTALLER ($50,000) Bond or transitioning from a Texas – Manufactured Housing RETAILER ($50,000) Bond benefit from the same efficient approach. Acting early simplifies the process, limits stress, and protects your business from last-minute errors.
Compliance Gaps Can Lead to Suspension and Financial Loss
In our observation, failure to meet bonding requirements creates unnecessary legal and financial exposure. Businesses that operate without the Texas – Manufactured Housing RETAILER/BROKER ($50,000) Bond risk disciplinary action from the TDHCA, including license suspension or denial. Worse, they may be exposed to lawsuits or fines if a client files a complaint and the bond is not in place to cover claims.
The bond serves as a protection mechanism for buyers and sellers alike. It guarantees that the retailer/broker will follow contracts, fulfill warranties, and act in good faith. If they do not, the bond may be used to reimburse affected parties for financial damages, fraud, or contractual breaches.
The same risks apply to manufacturers operating without the Texas – Manufactured Housing RETAILER/BROKER/INSTALLER ($50,000) Bond or those failing to update bond coverage after a license scope change. Compliance is non-negotiable, and failure to bond properly often has long-term consequences for both reputation and revenue.
Bonding Builds Trust and Long-Term Success
We’ve learned that properly bonded businesses win more trust, close more deals, and enjoy smoother relationships with state regulators. Holding the Texas – Manufactured Housing RETAILER/BROKER ($50,000) Bond shows that your business is stable, responsible, and ready to handle dual roles with integrity and professionalism.
A valid bond allows businesses to grow with fewer restrictions. It supports better financing options, more favorable vendor relationships, and easier entry into larger development projects. When clients see that a business is bonded, they’re more likely to move forward with confidence.
The same reputation advantage applies to those carrying the Texas – Manufactured Housing RETAILER ($50,000) Bond or expanding into a full-service role under the Texas – Manufactured Housing RETAILER/BROKER/INSTALLER ($50,000) Bond. Being bonded is not just about compliance—it’s a competitive edge.
State Statutes
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Texas Occupations Code §1201.111 – Requires manufactured housing licensees—including retailer/brokers—to file a $50,000 surety bond as a condition of licensure.
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Texas Administrative Code Title 10, Part 1, Chapter 80, Rule §80.20 – Outlines the bond amounts and filing rules for each type of manufactured housing license.
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Texas Occupations Code §1201.113 – Gives the TDHCA enforcement authority over licensees who fail to maintain required bond coverage.
Conclusion
We’ve come to appreciate that the Texas – Manufactured Housing RETAILER/BROKER ($50,000) Bond serves as more than a compliance tool—it is the bridge between professional responsibility and long-term success in the manufactured housing industry. With this bond in place, retailer/brokers demonstrate accountability, meet state requirements, and build trust with clients and regulatory agencies alike.
Swiftbonds is ready to help every step of the way—from selecting the right bond to getting it filed correctly and on time. Whether you’re launching a new business, expanding into brokerage, or renewing your dual license, starting with a valid bond sets you up for compliance, clarity, and continued growth.
Frequently Asked Questions
What does the Texas – Manufactured Housing RETAILER/BROKER ($50,000) Bond protect against?
We’ve often noticed questions about bond purpose. This bond protects consumers and the state if the retailer/broker fails to meet contract terms, commits fraud, or violates TDHCA licensing rules.
Who needs the RETAILER/BROKER bond in Texas?
We’ve often noticed confusion around license overlap. Any business licensed to sell and broker manufactured housing transactions must carry this $50,000 bond as part of its TDHCA license approval.
How is this different from the RETAILER or INSTALLER bond?
We’ve often noticed misfiled bonds. The Texas – Manufactured Housing RETAILER ($50,000) Bond only applies to retail sales. The Texas – Manufactured Housing RETAILER/BROKER/INSTALLER ($50,000) Bond includes installation and requires broader qualifications.
How much does the bond cost annually?
We’ve often noticed concern about pricing. The premium is based on credit and financial strength, but most businesses pay between $500 and $2,000 per year to maintain the required $50,000 coverage.
What happens if my bond lapses or is canceled?
We’ve often noticed missed renewals. If the bond expires, the TDHCA may suspend or revoke your license. Continuous coverage is required to operate without penalties.