Partner 01

21st Mortgage Corporation

Full-service lender specializing in manufactured and mobile home financing—strong when the loan is structured around the home itself.

May work with buyers who have limited credit history in some cases; terms up to 30 years.

Interest rates

  • Typical range: 6.35% – 11.99%
  • Depends on credit profile and loan structure
  • Home type, placement, and occupancy affect approval

Down payment

  • As low as 0% for qualified buyers
  • Typical range: 5% – 35%
  • Investment properties often 20% minimum
  • Cash, trade, or land equity may be used
Partner 02

Land Home Financial Services, Inc.

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

Highlights include down payment assistance, flexible credit options, competitive pricing, co-signer paths, and non-owner-occupied programs where eligible.

Licensed nationally; programs and pricing vary by borrower, property type, and occupancy. Confirm how your unit is classified before assuming a specific product.

Program highlights

  • Government and conventional purchase & refinance menu
  • Renovation and specialty products where eligible
  • Apply online or speak with a loan expert for tiny-home-specific questions