Click Images Below to see different home Floor Plans!

The Process

Determine Budget

21st Mortgage does not do Pre Approvals so you will need to use the affordability calculator to determine how much you will qualify for. AFFORDABILITY CALCULATOR. Once you do this then we can start looking at different Floor Plans that you qualify for.

Feel free to browse Floor Plans, but I will not work with you until you have done the affordability calculator. This prevents us from wasting time because we need to know how much you are approved for before we start looking for homes.

Start Application

Reach out to 21st Mortgage (contact details below) or you can click this link to start your electronic application. START MY APPLICATION I partner with 21st Mortgage for financing. If you get approved they will definitely work with me. Some lenders may not as I am not be a preferred retailer with them. You can also call 21st Mortgage to speak directly with the loan originators I work with. My retailer ID with them is 4021.1

Alyssa Spaldi: Email: AlyssaSpaldi@21stmortgage.com Phone: 833-382-9199

Peter Ponce: Email: PeterPonce@21stmortgage.com Phone: 865-801-9725

Buy Land (if needed)

If you need land we have a Realtor that can help you find and purchase the land. If you already have land we just need to figure out what Manufactured Home you want.

Land needs to be cleared, driveway in, septic installed w/ Approval to Operate, before we can order home. When purchasing land, some of the major things to consider are zoning requirements, set back requirements, verifying wetland, verifying flood zone, verifying access, perc test septic, and verifying utilities.

Buy Home

The Manufacturers listed above are the manufacturers I work with. You can click on the images and you will be directed to their websites to see floor plans. These are all higher end Sheet Rock product homes and are products that I stand behind.

The price you saw on my Facebook listing is the price of the home and delivery only. Set up cost can vary drastically which is why I didn't include it. Set up price can range anywhere from 20-30k depending on the size and finish of the home you want. Listed below is what is included with in set up.

The actual set up of the home ~$4500 Single Wide or ~$7500 Double Wide

HVAC ~$4500

Trim Out of Home ~$3000

Steps ~$750/set

House Pad ~$2800

Skirting Hardy Board ~$5000 or Brick ~$10000

Electrical Pedestal ~$2500

Permitting Fees and Taxes ~$500

Utility Hook Up ~$1000

If you want to do things yourself to save cost I will only be responsible for the home and delivery and you will be responsible for everything else.

Enjoy Your Home!!

Manufactured home are a great cost effective way to Home Ownership. This option allows you to get a nice affordable home, on a large piece of land, without neighbors 10 feet away, and a controlling HOA. If this is something that interests you click the link below to learn more.

Frequently Asked Questions about 21st Mortgage

Products Financed
-HUD (single, double, and triple section)

-Modular

-Park Models and ADUs (ANSI 119.5, RVIA, NOAH certified)

-Used Home

Loan Programs
Chattel - Home only on private property, leased property, family land, reservations, and communities/parks
Land Home - Land in lieu, land refinance, and land purchase
Non-Primary Residence Options - Vacation homes, buy-for transactions, and investment options available

Underwriting/Program Highlights
-No minimum credit score requirement
-Flexible debt to income thresholds (65% total debt to income ratio and 45% housing ratio)
-0% down program for eligible 750+ scoring primary residence customers
-30 year terms available for 680+ scoring primary residence customers (land home only)
-Most chattel terms now 25 years for all credit scores (term based on loan amount)
-200% markup available for eligible 700 scoring primary residence customers
-No source of down payment required for 700+ customers
-5% down options available for secondary/vacation customers scoring 700+
-Investment loan terms up to 25 years (based on credit score and loan amount)
-Financing available for ITIN customers
-No term restrictions for borrowers with 20% more equity than their credit score requires
-100% land equity given to land in lieu and land refinance customers
-No appraisal options available for qualified land home transactions
-No PMI, never a prepayment penalty, most closing costs financed, and a one time close

Alternate Income Program Highlights (Requires 20% Down)
-Self Employment Income: Only one year of tax returns required for 1099/self employed customers that have 20% down
-Rental Income: Only need proof of most recent month's rent and lease agreement to verify rental income with 20% down

Helpful Tools
Online Application - www.apply.21stmortgage.com
Payment Estimator - www.mypaymentestimator.com
Mortgage Calculators - https://www.21stmortgage.com/web/21stsite.nsf/calculators