Financing Overview
We’ve partnered with 21st Mortgage Corporation, the nation’s top lender for manufactured and tiny homes and a Berkshire Hathaway company, to make financing your dream home straightforward and flexible. Whether you’re buying for yourself, family, or as an investment, 21st offers various loan programs to fit your needs.
All Credit Welcome
21st Mortgage finances buyers across the credit spectrum—even those with scores below 575, provided certain conditions are met.
Flexible Down Payment Options
Qualified buyers with strong credit (750+) may be eligible for zero down on Land/Home loans, and even those with lower scores have options starting at just 10–20% down.
No Extra Fees
There are no PMI requirements, no interest rate increases for loan origination or fees, and no rate bumps for manufactured housing.
Long Loan Terms
For Land/Home purchases, terms of up to 30 years are available, making monthly payments more manageable.
Construction & Land Improvement Loans
They offer 1x-close construction loans with stage draws and no construction loan fee, simplifying the build process for ADUs or park models on land.
Unique Program Flexibility
Specialty programs include vacation home loans (as low as 10% down for 700+ credit), tribal land loans, and investment property loans with 20% down.
Flexible Financing for Your Unique Lifestyle
At NW Tiny Homes, we’re here to guide you through the financing process. Contact us today to get started!