The nation's number one manufactured and mobile home lender 14 years running.

Our rates typically range from 7% to 14% and are based on the overall credit profile of the applicant, age of the home, collateral type (i.e. home type, home placement, etc.), occupancy type (i.e. primary residence, secondary home, etc.), loan amount, and loan to value. Want more specifics? Check out our estimated home loan payment calculator. www.mypaymentestimator.com

We do not have a minimum credit score for most manufactured home only and land & home loans. For applicants scoring less than 575 and for zero credit score buyers, we have loan options available that may require higher down payments – usually a minimum of 35% in the form of cash, trade, or land equity.

We have no restrictions for the age of the home.

Down payments as low as 0% are available for well qualified buyers. Typical down payment requirements range from 5% to 35% and are based on overall credit profile of the buyer, collateral type (home type, home placement, etc.), and occupancy type (i.e. primary residence, secondary home, etc.). Investment properties and “Buy-For” transactions require a minimum of 20% down payment. Down payments may be in the form of cash, trade, or land equity.

21st Mortgage takes stringent measures to protect your personal information because we know privacy is a concern for all consumers. Once you complete your application it is encrypted for transmission and then kept secure with industry-leading security technology.