21st Mortgage Corporation: Your Guide To Manufactured Home Loans

**Navigating the world of home financing can be complex, especially when it comes to specialized markets like manufactured homes. For many prospective homeowners and current borrowers in this niche, 21st Mortgage Corporation stands out as a pivotal player. As the largest lender for manufactured and mobile homes in the USA, understanding their services, history, and operational scope is essential for anyone considering or managing a loan in this sector.** This comprehensive guide aims to demystify 21st Mortgage Corporation, providing an in-depth look at their offerings, how to manage your account, and what makes them a leading choice for manufactured home financing. Whether you're looking to purchase a new manufactured home, refinance an existing one, or simply manage your current loan, 21st Mortgage Corporation provides a suite of services designed to meet diverse needs. From their roots in Knoxville, TN, since 1995, they have grown to become a full-service lender, originating and servicing a variety of loans to borrowers across 46 states. This article will serve as your go-to resource, shedding light on everything you need to know about this prominent financial institution in the manufactured housing industry. --- **Table of Contents** * [Understanding 21st Mortgage Corporation: A Leader in Manufactured Home Financing](#understanding-21st-mortgage-corporation-a-leader-in-manufactured-home-financing) * [What Types of Loans Does 21st Mortgage Corporation Offer?](#what-types-of-loans-does-21st-mortgage-corporation-offer) * [Navigating Your 21st Mortgage Account: Online Access and Management](#navigating-your-21st-mortgage-account-online-access-and-management) * [Making Payments and Getting Payoff Quotes](#making-payments-and-getting-payoff-quotes) * [Support and Resources for Borrowers](#support-and-resources-for-borrowers) * [Geographical Reach and Retailer Partnerships](#geographical-reach-and-retailer-partnerships) * [The Loan Application Process with 21st Mortgage](#the-loan-application-process-with-21st-mortgage) * [Estimating Your Payments: The Online Calculator](#estimating-your-payments-the-online-calculator) * [Contacting 21st Mortgage Corporation for Inquiries](#contacting-21st-mortgage-corporation-for-inquiries) * [Special Programs and Considerations for Manufactured Home Buyers](#special-programs-and-considerations-for-manufactured-home-buyers) * [Understanding Loan Transfers: The Reliant Manufactured Housing Example](#understanding-loan-transfers-the-reliant-manufactured-housing-example) * [Why Choose 21st Mortgage Corporation for Your Manufactured Home Loan?](#why-choose-21st-mortgage-corporation-for-your-manufactured-home-loan) ---

Understanding 21st Mortgage Corporation: A Leader in Manufactured Home Financing

When discussing financing for manufactured homes, one name consistently rises to the top: 21st Mortgage Corporation. Since opening its doors in Knoxville, TN, in 1995, 21st has not only been a significant market player but has steadily grown to become the largest lender for manufactured and mobile homes in the U.S. This remarkable growth isn't accidental; it's a testament to their specialized focus and comprehensive service offerings. They are a full-service lender, meaning they not only originate loans but also handle the servicing, providing a seamless experience for borrowers from application to payoff. The company's history is rooted in a deep understanding of the manufactured housing market, recognizing the unique needs of both homebuyers and industry professionals. Their dedication to this specific sector has allowed them to develop expertise and tailor products that traditional lenders often overlook. This specialization is a key factor in their authoritative position within the industry. By concentrating solely on manufactured and mobile home loans, 21st Mortgage Corporation has cultivated an unparalleled level of knowledge and efficiency, setting them apart as a trusted partner for thousands of families seeking affordable housing solutions. Their long-standing presence and consistent market leadership underscore their trustworthiness and reliability in a critical financial sector.

What Types of Loans Does 21st Mortgage Corporation Offer?

21st Mortgage Corporation is renowned for its comprehensive range of financing options tailored specifically for manufactured and mobile homes. As a top lender, they understand that the needs of manufactured home buyers can vary widely, whether they're purchasing a brand-new unit or a pre-owned one. This understanding translates into flexible loan products designed to accommodate different financial situations and property types. One of the most appealing aspects of their offerings is the potential for high loan-to-value financing. Borrowers can often finance up to 100% of the purchase price for new or used units, which significantly reduces the upfront financial burden and makes homeownership more accessible. This is a crucial feature for many who might struggle with large down payments required by conventional mortgages. Beyond the primary home loan, 21st Mortgage also offers products such as insurance, providing a holistic approach to protecting your investment. Their loan portfolio is diverse, catering not just to individual homebuyers but also to manufactured housing retailers and mortgage brokers. This multi-faceted approach allows them to support the entire ecosystem of the manufactured housing industry. Whether it's a land-home loan, a chattel loan (for the home only, without the land), or refinancing an existing manufactured home, 21st Mortgage Corporation has specialized programs. They originate and service a variety of loans to borrowers, ensuring that the process is streamlined and efficient. This deep specialization in manufactured home loans underscores their expertise and commitment to serving this unique market segment effectively.

Navigating Your 21st Mortgage Account: Online Access and Management

In today's digital age, convenient online account management is not just a luxury but a necessity, especially for something as critical as your home loan. 21st Mortgage Corporation understands this, providing robust online tools that allow borrowers to manage their 21st Mortgage account with ease. This commitment to accessibility significantly enhances the borrower experience, offering transparency and control over their financial obligations. The online portal serves as a central hub where you can view details of your loan, access important documents, and perform various transactions. This includes checking your current balance, reviewing payment history, and updating personal information. The goal is to empower borrowers by putting essential information and services at their fingertips, reducing the need for phone calls or mail correspondence for routine inquiries. This level of online functionality is a testament to their focus on customer convenience and efficiency.

Making Payments and Getting Payoff Quotes

One of the primary functions of the online account access is the ability to make payments. 21st Mortgage Corporation offers various updated payment options to ensure flexibility for their borrowers. Whether you prefer to set up recurring payments, make one-time payments, or explore other methods, the online system streamlines this process. This ease of payment is crucial for maintaining a good payment history and managing your finances effectively. Beyond regular payments, the online platform also provides a straightforward way to get payoff quotes. If you're considering selling your manufactured home, refinancing, or simply want to understand the remaining balance for planning purposes, requesting a payoff quote online is quick and convenient. This feature is invaluable for financial planning, allowing borrowers to obtain accurate figures without delay. For specific inquiries or if you encounter any issues, dedicated contact methods are available to assist with payment options and payoff quotes, ensuring that support is always within reach.

Support and Resources for Borrowers

21st Mortgage Corporation goes beyond just facilitating payments; they also provide essential support and resources for their borrowers. This includes critical assistance programs, such as relief for servicemembers and foreclosure prevention initiatives. Recognizing that life events can impact financial stability, these programs demonstrate a commitment to helping borrowers navigate challenging times. Accessing information about these relief options is made easy through their online resources, allowing those in need to quickly find the support they require. Furthermore, to enhance borrower understanding and self-service, 21st Mortgage provides a wealth of information online. Several frequently asked questions (FAQs) are available, addressing common queries about loans, payments, and account management. They also offer a glossary of definitions of commonly used terms, which is incredibly helpful for demystifying the often-complex language of mortgage lending. These resources reflect their dedication to transparency and ensuring that borrowers are well-informed, fostering a more trustworthy relationship between the lender and the homeowner.

Geographical Reach and Retailer Partnerships

The extensive reach of 21st Mortgage Corporation is a significant factor in its market dominance. They offer financing to manufactured home buyers in 46 states, covering a vast geographical area across the U.S. While their services are available nationwide, they primarily focus on the southeast and southwest regions, where manufactured housing is particularly prevalent. This strategic focus allows them to build strong regional expertise and tailor their services to the specific market dynamics of these areas. Beyond direct lending to consumers, 21st Mortgage Corporation plays a crucial role in the broader manufactured housing ecosystem through its strong partnerships. They offer a variety of loan types not only to individual borrowers but also to manufactured housing retailers and mortgage brokers. This network of partnerships is vital for the industry, as it provides financing solutions that enable retailers to sell homes and brokers to connect buyers with suitable loan products. By working closely with these partners, 21st Mortgage ensures that their loan programs are widely available and accessible to potential homebuyers. For those looking to purchase a manufactured home, understanding which loan programs and retailers are available in each state is crucial. 21st Mortgage Corporation provides resources that help prospective buyers identify approved retailers and understand the financing options specific to their location. This extensive network and geographical coverage solidify 21st Mortgage Corporation's position as a truly national leader in manufactured home financing, making them a go-to resource for both industry professionals and individual consumers.

The Loan Application Process with 21st Mortgage

Applying for a manufactured home loan with 21st Mortgage Corporation is designed to be a straightforward process, reflecting their commitment to making homeownership accessible. They understand that potential borrowers need clear steps and readily available tools to make informed decisions. The initial steps often involve exploring their offerings and understanding what kind of financing might be suitable for your needs. One of the first practical steps you can take is to request a rate quote online. This allows you to get an estimate of potential interest rates and terms without committing to a full application. Alternatively, you can contact them directly by phone or email for personalized assistance. This accessibility ensures that whether you prefer digital convenience or direct human interaction, you can get the information you need to begin your financing journey. The emphasis on ease of contact and initial inquiry tools highlights their customer-centric approach to the loan application process.

Estimating Your Payments: The Online Calculator

To further assist potential borrowers in their financial planning, 21st Mortgage Corporation provides a valuable online calculator tool. This tool allows you to estimate your mortgage payment, whether you're considering the purchase of a new home or the refinancing of your current home. By inputting key figures such as the loan amount, interest rate, and term, you can get a realistic projection of your monthly obligations. This online calculator is an indispensable resource for budgeting and understanding the financial implications of a manufactured home loan. It empowers individuals to experiment with different scenarios and make more informed decisions about what they can afford. The availability of such a tool underscores 21st Mortgage Corporation's commitment to transparency and providing practical resources that aid borrowers in their homeownership journey.

Contacting 21st Mortgage Corporation for Inquiries

Effective communication is key in any financial transaction, and 21st Mortgage Corporation ensures multiple channels are available for borrowers and prospective clients to reach them. Whether you have general inquiries, need assistance with your existing loan, or want to request a rate quote, you can find out how to reach 21st Mortgage Corporation by phone, mail, or online for various inquiries and services. For immediate questions or to speak with a representative, phone contact is often the quickest method. Their customer service teams are equipped to handle a wide range of topics, from application status updates to payment issues. For more formal correspondence or document submission, mail options are provided. And as highlighted earlier, their online portal and email channels offer convenient digital avenues for communication and service requests. This multi-channel approach ensures that every borrower can connect with 21st Mortgage Corporation in a way that suits their preference and the urgency of their inquiry, reinforcing their commitment to comprehensive customer support.

Special Programs and Considerations for Manufactured Home Buyers

Beyond their standard loan products, 21st Mortgage Corporation also operates within a broader ecosystem of homebuyer programs, often collaborating or complementing initiatives designed to make homeownership more attainable. While 21st Mortgage itself is a private lender, their services can align with or facilitate access to various state-specific or federal programs aimed at assisting homebuyers, particularly in the manufactured housing sector. For instance, in some states, homebuyer programs with the help of certified lenders, such as those offered by organizations like MHDC (Missouri Housing Development Commission) in Missouri, provide three distinct programs for homebuyers. These programs might include features like affordable interest rates, down payment assistance, or even tax credits, all designed to alleviate the financial burden of purchasing a home. While 21st Mortgage Corporation directly offers its specialized loans, their role as a leading lender in the manufactured home space means they are often the go-to financing partner for buyers who might also be eligible for these supplementary assistance programs. This synergy between private lending and public initiatives creates more pathways to homeownership for a wider range of individuals and families. Understanding how 21st Mortgage's offerings can integrate with or be enhanced by such programs is crucial for maximizing affordability. Borrowers are encouraged to explore what state or local assistance programs might be available in their area and then discuss how 21st Mortgage's financing solutions can complement these benefits. This holistic view of manufactured home financing helps ensure that buyers can leverage all available resources to secure their dream home with the most favorable terms possible.

Understanding Loan Transfers: The Reliant Manufactured Housing Example

In the dynamic world of mortgage lending, it's not uncommon for loan portfolios to be transferred between financial institutions. This can sometimes cause confusion or concern for borrowers, but reputable lenders like 21st Mortgage Corporation strive to make these transitions as smooth as possible. A notable example of such a transfer occurred recently: if you have a loan with Reliant Manufactured Housing, it was transferred to 21st Mortgage Corporation on September 17, 2024. Such transfers mean that 21st Mortgage Corporation now becomes your new loan servicer. This typically involves a change in where you send your payments, how you access your account information, and who you contact for customer service. For borrowers affected by this specific transfer from Reliant Manufactured Housing, it is critical to find out the updated payment options and contact information. 21st Mortgage Corporation would have provided detailed instructions to all affected borrowers, outlining the new procedures and ensuring a seamless transition. When a loan transfer occurs, 21st Mortgage Corporation's robust online account management system becomes even more valuable. Borrowers can quickly set up their new accounts, verify their loan details, and understand the new payment processes. This proactive approach to managing loan transfers demonstrates 21st Mortgage's commitment to maintaining continuity of service and minimizing disruption for borrowers, reinforcing their trustworthiness as a loan servicer. It highlights their capacity to absorb and efficiently manage large portfolios, a hallmark of a leading financial institution.

Why Choose 21st Mortgage Corporation for Your Manufactured Home Loan?

Choosing a lender for your home loan is one of the most significant financial decisions you'll make, and for manufactured homes, 21st Mortgage Corporation presents a compelling case. Their sustained leadership in the industry is not just a matter of size but a reflection of their deep expertise, comprehensive services, and commitment to the manufactured housing sector. Firstly, as a full-service lender specializing in manufactured home loans, they offer unparalleled knowledge and experience. Unlike general lenders who might dabble in various mortgage types, 21st Mortgage Corporation's singular focus ensures that they understand the nuances, challenges, and opportunities unique to manufactured home financing. This specialization translates into more tailored loan products, efficient processing, and knowledgeable support staff who genuinely understand your needs. Secondly, their status as the largest manufactured and mobile home lender in the USA speaks volumes about their reliability and market acceptance. This scale allows them to offer competitive terms and a wide range of loan options, including financing up to 100% of the purchase price for new or used units. Their extensive network of retailer partnerships across 46 states further enhances accessibility, making it easier for buyers to find a home and secure financing in one integrated process. Finally, the emphasis on user-friendly online account management, dedicated support for borrowers (including servicemembers and foreclosure prevention), and transparent communication channels (like online calculators and FAQs) all contribute to a positive borrower experience. Whether you're a first-time buyer or looking to refinance, 21st Mortgage Corporation provides a stable, experienced, and customer-focused partner for your manufactured home financing needs. Their long-standing history and consistent performance solidify their position as a trusted and authoritative choice in this specialized market. --- **Conclusion** In conclusion, 21st Mortgage Corporation stands as an undisputed leader in the manufactured and mobile home financing industry. From its origins in Knoxville, TN, in 1995, it has evolved into a full-service lender, offering a comprehensive suite of loan products for both new and used units, often with competitive financing options up to 100% of the purchase price. Their extensive reach across 46 states, coupled with strategic partnerships with retailers and brokers, ensures that quality manufactured home financing is accessible to a broad spectrum of borrowers. The commitment of 21st Mortgage Corporation to borrower convenience is evident in their robust online account management system, which allows for easy payment management, payoff quote requests, and access to vital documents. Furthermore, their dedication to supporting borrowers through various life circumstances, including specialized relief for servicemembers and foreclosure prevention initiatives, underscores their trustworthiness and commitment to their clients' financial well-being. The recent transfer of Reliant Manufactured Housing loans to 21st Mortgage Corporation further highlights their capacity to efficiently manage and integrate large loan portfolios, demonstrating their operational strength and reliability. For anyone considering a manufactured home or managing an existing loan, 21st Mortgage Corporation offers the expertise, authority, and trustworthiness required for such a significant financial undertaking. We encourage you to explore their official website for the most current information on loan programs, rates, and services, or to contact them directly to discuss your specific financing needs. Your journey to manufactured homeownership, or effective loan management, can be significantly streamlined with a knowledgeable partner like 21st Mortgage Corporation. What are your thoughts on manufactured home financing? Have you had an experience with 21st Mortgage Corporation? Share your insights in the comments below, or share this article with someone who might benefit from this comprehensive guide!