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About Us







History















21st Mortgage opened its doors in downtown Knoxville in 1995 with a staff of four, which included the founders. Today, we have reached a total of 649 team members and continue to grow. 21st Mortgage has contributed to the revitalization of downtown Knoxville and continues to actively participate and support local organizations.

Since 2006, 21st Mortgage has been the largest employer of graduates from the University of Tennessee, Maryville College and ETSU. 21st Mortgage has had a consistent record of operating profitably every month since opening, including the challenging recession years from 2008 -- 2011. The number of mortgages we own or service has gone from zero in 1995 to over 170,000 today- that’s 7.5 billion dollars’ worth of loans!

Since its beginning, 21st Mortgage has offered financing for customers interested in purchasing a manufactured home. At first, the company focused on the Southern United States. Today, we provide mortgages to homebuyers all across America.

In December 2003, Clayton Homes, acting on behalf of Berkshire Hathaway, acquired 21st Mortgage. With the financial backing of Berkshire Hathaway, we currently rank as the largest provider of financing for manufactured home buyers in the United States.

In recognition of its performance, Berkshire Hathaway selected 21st Mortgage to service almost 3 billion dollars’ worth of mortgage loans which they previously acquired from Residential Capital.

Tim Williams, President, previously served as the Executive Vice President of Clayton Homes and the President of Vanderbilt Mortgage from 1974 until 1995.

Richard B. Ray, CFO, previously served as the Executive Vice President, CFO and Director of Clayton Homes from 1983 to 1994.


Manufactured Home Financing | Manufactured Home Loans | Manufactured Home Mortgages | Manufactured Home Refinancing
Mobile Home Financing | Mobile Home Loan | Mobile Home Mortgages | Mobile Home Refinancing | Foreclosure Prevention