Give Your Dreams A Home

All in One Services

Loan origination, Insurance, and Refinances are all provided to our customers so that all of your home needs are centrally located with one company you can trust.

Easy Online Application

Apply online or while at your local dealership or broker.

Competitive Rates

Affordable and competitive so that you, the tiny homebuyer, can obtain homeownership.

Industry Experts

21st Mortgage staff has a host of experts in the tiny home loan industry. They take pride in providing exceptional service while assisting our borrowers through the process.

Online Payments

Access your loan online and make your payments in a secure environment. Enjoy less hassle with online payments.

Friendly Service

Our customers are #1 and we believe in giving them great service. We are here to help you!

About 21st Mortgage

Your Tiny Home Lending Source

21st Mortgage Corporation is an independent, full-service lender specializing in manufactured and mobile home loans. They originate and service a variety of loans for borrowers purchasing through manufactured home retailers, mortgage brokers, or directly as individual buyers across the USA. While we are not affiliated with 21st Mortgage Corporation, they are a trusted lender we often recommend and work well with. If you’re interested, you can apply for a manufactured home loan with them today.

Purchase/Loan Process — Consumer Financing

Let us help you purchase your dream home!

We proudly recommend 21st Mortgage Corporation — the nation’s top manufactured and mobile home lender for over twelve years running.

Here’s how the process works:

STEP 1: Choose Your Tiny Home
Find the perfect tiny home that fits your lifestyle and budget.

STEP 2: Apply for Financing
Complete your loan application with a trusted lender.

STEP 3: Loan Approval & Acceptance
Review and accept your loan approval terms.

STEP 4: Lock In Your Loan
Secure your financing and lock in your interest rate.

STEP 5: Submit Required Documents
Provide all requested documents, including:

  • Driver’s license

  • Social Security card

  • Current pay stub

  • Most recent W-2

  • Two months of bank statements

  • Earnest money deposit

  • Personal references

STEP 6: Sign Closing Documents
Review and sign all closing paperwork to finalize your purchase.
Once everything is complete, funds are distributed, and your new tiny home journey begins.

FAQs

Q. How do I get started with 21st Mortgage to finance a tiny home or manufactured home?

A. Check out our video to find out why we are one of the nation's best manufactured home mortgage lenders and how we can help you in your home ownership journey. Welcome to 21st Mortgage

Q. Who can I call if I have questions regarding the online home loan application?

A. Please call (833) 809-3056

Q. What is required for a home loan down payment?

A. Home loan 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. Home loan down payments may be in the form of cash, trade, or land equity.

History of 21st Mortage

Proudly Part
of the Local Community

21st Mortgage opened its doors in 1995 with a staff of four, which included two of the company's founders; CEO Tim Williams and CFO Rich Ray. Today, the company has more than 800 team members.. 21st Mortgage has contributed to the revitalization of downtown Knoxville and continues to actively participate and support local organizations in and around Tennessee.

Since 2006, 21st Mortgage has been the largest employer of graduates from the University of Tennessee, Maryville College and East Tennessee State University. 21st Mortgage has had a consistent record of operating profitably since opening ... including the challenging recession years from 2008 - 2011.

In December 2003, Clayton Homes acquired 21st Mortgage. 21st Mortgage has become the nation’s largest manufactured home lender originating more than $1.3billion of loans for new and previously owned homes. The company owns and services more than 180,000 mortgages with a value exceeding $9 billion.

Since its beginning, 21st Mortgage has been a market leader in providing innovative loan programs for affordable housing.It offers a variety of finance programs for homebuyers interested in purchasing a manufactured home. It offers its loan programs in meeting the needs of home buyers in forty-six states across America.

Since 2011 the company has won the prestigious National Lender of the Year award by the Manufactured Housing Institute (MHI) a record nine straight years. Simply put, the company has been recognized in each of the last nine years as the best lender in the industry.

Tim Williams, President and CEO, 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.