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Financing

Financing for manufactured homes is available for the following lenders.  Rates and qualification criteria is subject to change.  Please contact the lenders directly for up to date information

Mountainside Financial is a division of San Antonio Credit Union.  Mountainside Financial specializes in mobile home financing and mobile home refinancing nationwide with as little as 5% down. They offer a wide variety of financing and refinancing options in manufactured home communities and on land where the home and the land are financed separately.

Eastern Office
60 Lake Street Suite 200
St. Albans, VT 05478

Josh Ducharme
jducharme@sacu.com
NMLS#675313
P:  (877) 475-6852
C:  (802) 782-9424
F:  (877) 475-6866
www.mountainsidefinancial.com

Collateral Requirements

  • Leased Land
  • 1976 and newer double wide homes
  • 2001 and newer single wide homes

Credit Requirements

  • Minimum 700 credit score
  • Minimum 700 for secondary or vacation homes

Purchase Requirements

  • No min. or max. loan amount
  • Min. 5% verifiable down payment
  • Doubles – max 20 years – $35k min.
  • 11 years or older – max 15 years – under $35k
  • 10 years or newer – max 20 years -no min. loan amt.
  • Singles – 180 month max. term
  • 10 years or newer – max 15 years – no min. loan amount
  • 11 to 15 years old – max 15 years – $25k or greater
  • 11 to 15 years old – max 10 years – $25k and under

Since its beginning, 21st Mortgage has offered financing for customers interested in purchasing a manufactured home. At first, the company focused on the Southern United States. Today, they provide mortgages to homebuyers all across America.  In December 2003, Clayton Homes, acting on behalf of Berkshire Hathaway, acquired the company. With the financial backing of Berkshire Hathaway, 21st  Mortgage currently ranks as the largest provider of financing for manufactured home buyers in the United States.

620 Market Street Suite 100
Knoxville, TN 37902
P: (800) 955-0021
F: (888) 440-4520
www.21stmortgage.com

Collateral Requirements

  • Leased land
  • 1976 and newer

Credit Requirements

  • Call for credit requirements

Purchase Requirements

  • $20,000 minimum loan amount
  • Min. 5% verifiable down payment
  • Terms range from 5 to 23 years