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Financing
Lending partners

Financing options

Two partners for manufactured-home and mortgage-style ADU financing. Terms vary by credit, property, and occupancy.

Partner 01

21st Mortgage Corporation

Full-service lender for manufactured and mobile home financing—built around the home itself. May work with limited credit history in some cases; terms up to 30 years.

Interest rates
  • Typical range: 6.35% – 11.99%
  • Depends on credit and loan structure
  • Home type and occupancy affect approval
Down payment
  • As low as 0% when qualified
  • Typical range: 5% – 35%
  • Investment often 20% minimum
  • Cash, trade, or land equity may apply
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Partner 02

Land Home Financial Services

Direct lender for FHA, VA, USDA, and conventional loans—plus renovation and related programs when the project can be documented like a standard mortgage.

Program highlights
  • Government & conventional purchase / refinance
  • Renovation and specialty products where eligible
  • Down payment assistance & flexible credit paths
  • Co-signer and non-owner-occupied options where allowed

Licensed nationally. Confirm how your unit is classified before assuming a specific product.

Visit Land Home MH

Programs and pricing vary by borrower, property type, and occupancy. ADU1 does not underwrite loans—partner directly with the lender for approvals and quotes.