If you are seeking home financing, please ask us which homes qualify...

Below, you'll find bullet points on the financing options available through each lender.
**Each of these options depend on your particular credit and buying situation**

  • VMF Repos ONLY - (selected repos only, some VMF inventory is wholesale only)
  • Less than perfect credit.....Ok! (no BK last 6 mo., no foreclosure last 2 years) 
  • Closing cost can be financed 
  • Minimum 5% down payment 
  • 23 Year Term 
  • 120-day rate commitment 
  • Can use Land in Lieu of down payment 
  • No Minimum credit score
  • New Edge Program offers new Loan Term for 12 Years 

Note: There has been a change on our website regarding the finacing on USED homes through 21st Mortgage. The USED homes can not be financed in an "AS IS" condition, but need to be refurbished in order to be financed with this mortgage company. Not all of the USED homes in our inventory at this time meet those requirments.

  • BOT Inventory Only New & Used (VMF Inventory can not be financed)
  • Will finance 1976 homes and newer - NO 15 year age restriction!
  • Minimum of 5% down payment (depending on credit scores can be up to 35%)

  • Minimum loan amount to finance is $20,000.
  • All of 21st Manufactured and Mobile home loans have fixed interest rates starting as low as 6.99%*
  • 20 Year Term 
  • Closing cost can be financed 
  • Escrow is required for both insurance and taxes. 
  • Mortgage Insurance not required on any of 21st Mortgage loans. 
  • Payment options include Free Monthly Auto Draft Payment Option, Free Bi-Weekly Payment Plan, and a convenient on-line payment option. 
  • Single and Multi Section Homes - regardless of whether the home is located in a park, on a leased land or private land, 21st Mortgage can assist. 

How can I get preapproved to purchase a manufactured home? 

Either fill out the ONLINE APPLICATION or you can download and print this

credit application below and bring it into the office or fax it to us at

828-648-9006. Please include which home you are applying for. 


21st Mortgage Application
Click on link to download and print application.
21st app 2019.pdf
Adobe Acrobat document [3.8 MB]

Please be advised that we are bound by the "Safe Act" which prohibits us from discussing the details of any lending options with you. We can tell you their published requirements and parameters but beyond that, you'll have to speak to a credit manager directly with the lending institution you choose. We'll do our best to help answer as many questions as we're able.

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