21st Mortgage Tiny House Financing
21st Mortgage Corporation is a full service lender specializing in manufactured and mobile home loans. 21st mortgage works with customers who have little to no credit, and offers loans as long as 30 years.
*To apply online, click on the link: Online Application
You can also check your estimated monthly payments by using the Payment Estimator
*All applications should be filled out to the best of your ability and with as much information as possible.
You must sign a purchase agreement and put down the initial deposit with Pacifica Tiny Homes in order to finalize the paperwork for financing. Pacifica Tiny Homes will not submit any paperwork to the financing company without a purchase agreement in place. Your pre-approval may expire if you do not sign a contract with Pacifica Tiny Homes ahead of time.
Interest Rates
Rates typically range from 6.35% to 11.99% and are based on the overall credit profile of the buyer, age of the home, collateral type (i.e. home type, home placement, etc.), occupancy type (i.e. primary residence, secondary home, etc.), loan amount, and loan to value.
Down payment
Home loan down payments as low as 0% are available for well qualified buyers. Typical down payment range from 5% to 35% and are based on overall credit profile of the buyer, collateral type, and occupancy type. 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.
Liberty Bank of Utah
Loan Terms
Liberty Bank offers tiny home loans on 5-Year, 10-Year, 15-Year, and 23-Year terms. Certain terms may not be available for all applicants based on credit history and income. There are no pre-payment penalties with Liberty Bank, meaning you are free to pay off your loan at any time ahead of the designated term.
Interest Rate
Interest rates will vary depending on a variety of factors, including an applicant’s credit history and income. Initial rates can range anywhere between 8.75% and 11.75%. Contact a loan officer at Liberty Bank at 801-363-LEND (5363) to learn more.
Down payment
Liberty Bank requires a 20% down payment of the total purchase price.
LightStream Financing
Fund or refinance your tiny home, at a low-interest rate from LightStream. See the below link for information about current rates and financing options. We may be compensated by these links.
Eloan.com
Get up to $35,000 Pay for your tiny house trailer
Affordable Interest Rates Low, fixed rates starting at 8.99% APR
No Origination Fees. No Prepayment Penalties No hidden costs, no annual fees, and no early payment penalties
Flexible Payment Terms Customize your payback period, from 24 months to 5 years
Lendingtree.com
Did you know that Lendingtree offers loans for Manufactured or Mobile Homes?
They have low rates and checking to see if you qualify doesn't hurt your credit score!
Check them out today and see if you can get the tiny home financing you need in minutes.
Just click on the banner to get started!
Need Tiny Home Insurance?
If you live in Arizona, Nevada, Oregon or Washington, State Farm will insure your tiny home. For a great quote, please call or email today!
Spencer Burnside
Insurance License #4278089
Phone: (805) 498-9633
