Broker Information

21st Mortgage Corporation has provided manufactured home financing though our network of realtors and Mortgage Brokers since 1996. 21st Mortgage was purchased by Berkshire Hathaway in 2003.

The finance strength of Berkshire Hathaway allowed 21st Mortgage to exit the 2008 economic down turn as the strongest lender in the manufactured housing industry.

21st Mortgage is actively searching for Mortgage Brokers and realtors.
For more information, please contact:

21st Mortgage Corporation
ATTN: Mortgage Broker Department
620 Market Street
Knoxville, TN 37902
Phone: (800) 955-0021 Ext. 1770
Fax: (800) 286-0836

21st Mortgage Corporation
ATTN: Direct Lending Department
620 Market Street
Knoxville, TN 37902
Phone: (800) 955-0021 Ext. 1456
Fax: (888) 440-4520

Program Details

  • We finance both SINGLEWIDE and MULTI-Section homes.
  • CHATTEL (Home Only) or LAND HOME combination loans available.
  • Up to 95% LTV before fees on Owner Occupied, Full Doc loans.
  • Up to 80% LTV before fees on Secondary Housing and Investment Properties.
  • DEBT CONSOLIDATION and HOME IMPROVEMENT programs available (based on equity and customer qualification).
  • No age restrictions apply in most states.
    • In AL, the mobile home must be 20 years of age or newer.
    • In MS, the mobile home must be 1999 or newer.
    • In NY, the mobile home must be 1995 or newer.
  • Permanent foundation not required.
  • No surveys or inspections required.
  • CLOSING COSTS & 21st INSURANCE can be financed.
  • Fixed Rates & No Pre-Payment Penalties.
  • All loans are assumable.
  • Loans are not available in the following states: AK, HI, MA, NJ & RI.
  • No Retail Business.
  • Minimum loan amount required is $20,000.
  • Terms are based off loan amount and range from 5 to 23 years.
  • We do not refinance 21st Mortgage or Vanderbilt loans unless adding land as collateral.
  • We cannot finance other lender's repossessions.
  • Broker is responsible for ordering the Title Commitment and Appraisal. Both must be in 21st Mortgage's name. All appraisals must be ordered through Dart Appraisal Management Company. Contact Mark Luckas at 1-888-327-8123 ext. 642 to have your account set-up with Dart. Future appraisals can be ordered on-line at the Dart Appraisal website.
  • All loans must meet the ability to repay guidelines and current underwriting standards.