Need 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.