21st Mortgage Financing
21st Mortgage is the manufactured-home lender we route nearly every AMH buyer through. Berkshire Hathaway-owned, $20B+ portfolio, and underwriters who actually understand manufactured housing. Here's why that matters.
What 21st Mortgage offers (through AMH)
- Chattel loans — home only, financed as personal property. For buyers placing the home in a park or on leased land.
- Land-home loans — home + land bundled into one mortgage.
- Land-in-lieu — your existing land equity replaces the cash down payment.
- Self-employed programs — 2-year P&L underwrite for 1099 / business-owner buyers.
How to apply through AMH
- Prequalify with us first — 4-minute form. We send you a personalized cheat sheet and our 21st program-match guide.
- Apply at 21st using our retailer ID:
apply.21stmortgage.com/?sretid=4144-1. This routes your file to the AMH desk and tags us as the originating dealer. - 21st pulls credit, verifies income — typical decision in 24-72 hours.
- We finalize the home order once you're approved, lock pricing, schedule delivery.
Credit guidelines (general)
21st publishes a regularly updated program matrix that maps credit score, term, and home cost to required down. We keep a copy synced. General floor: 580 mid-FICO with manual underwrite available. Lower scores possible with compensating factors (large down, strong residual income, co-borrower).
Why we don't just send you to your local bank
Most local banks won't touch manufactured housing — or they'll quote you a 10-year balloon at a punitive rate. 21st specializes in this asset class, so the underwrite is faster, the term is longer (up to 30 years), and the rate is competitive against what conventional offers for site-built homes.
Direct apply link
Apply at 21st Mortgage → (uses our retailer ID 4144-1 so the file routes correctly)
21st Mortgage Corporation is an independent lender. AMH does not originate or service loans. AMH receives no kickback or referral fee on 21st applications — we just don't want you stuck with a bad bank loan.