21st Mortgage Corporation has established itself as a leading name in the specialized field of manufactured home financing, offering tailored solutions to meet diverse customer needs. With decades of experience and a customer-centric approach, this Knoxville, Tennessee-based company has become a trusted partner for individuals seeking affordable homeownership options. Whether you're buying your first manufactured home or refinancing an existing one, 21st Mortgage Corporation provides a range of financial products and services designed to simplify the process.
What sets 21st Mortgage Corporation apart is its commitment to serving underserved markets. By focusing on manufactured and mobile homes, the company has carved out a niche that addresses the unique challenges faced by homeowners in this sector. Their offerings include purchase loans, refinance loans, and even loans for manufactured home communities, making them a one-stop destination for all your financing needs. The company’s innovative solutions, coupled with competitive rates, ensure that customers receive the best possible value for their money.
In addition to providing financing solutions, 21st Mortgage Corporation has built a reputation for exceptional customer service. From the initial application process to the final repayment, they guide customers every step of the way. Their online tools and resources make it easy to navigate the complexities of home financing. If you're considering financing a manufactured home, 21st Mortgage Corporation could be your ideal partner, offering both expertise and reliability in the housing finance market.
Table of Contents
- What Is 21st Mortgage Corporation?
- How Did 21st Mortgage Corporation Start?
- What Services Does 21st Mortgage Corporation Offer?
- Who Can Benefit from 21st Mortgage Corporation?
- Why Choose 21st Mortgage Corporation?
- Loan Options from 21st Mortgage Corporation
- How to Apply for a Loan with 21st Mortgage Corporation?
- What Are the Eligibility Requirements?
- What Makes 21st Mortgage Corporation Different?
- Customer Reviews and Experiences
- How to Contact 21st Mortgage Corporation?
- FAQs
- Conclusion
What Is 21st Mortgage Corporation?
21st Mortgage Corporation is a full-service lender specializing in financing manufactured homes. Established in 1995, the company has grown to become a leader in its niche, offering a variety of loan products tailored to meet the unique needs of manufactured home buyers and owners. The company's headquarters are located in Knoxville, Tennessee, and it serves customers across the United States.
Key Facts About 21st Mortgage Corporation
Here are some important details about the company:
| Founded | 1995 |
|---|---|
| Headquarters | Knoxville, Tennessee |
| Specialization | Manufactured Home Financing |
| Coverage | United States |
| Services | Purchase Loans, Refinance Loans, Community Financing |
How Did 21st Mortgage Corporation Start?
The story of 21st Mortgage Corporation began in 1995 when a group of visionary entrepreneurs saw a gap in the housing finance market. They recognized the challenges faced by individuals looking to finance manufactured homes and decided to create a lending institution that would cater specifically to this market. Over the years, the company has grown exponentially, becoming a leader in its field.
The Early Days
Initially, the company started with a small team of dedicated professionals who worked tirelessly to establish its reputation. Their focus on customer service and innovative financial solutions quickly set them apart from competitors.
Growth and Expansion
As the demand for manufactured home financing grew, so did 21st Mortgage Corporation. The company expanded its operations nationwide and diversified its loan offerings to include refinancing and community financing. Today, it is a subsidiary of Clayton Homes, which is part of Berkshire Hathaway, further solidifying its position as an industry leader.
What Services Does 21st Mortgage Corporation Offer?
21st Mortgage Corporation provides a wide range of services designed to make homeownership accessible and affordable. Their offerings include:
- Purchase Loans: Financing options for purchasing new or pre-owned manufactured homes.
- Refinance Loans: Solutions for homeowners looking to refinance their existing loans to secure better terms or lower interest rates.
- Community Financing: Loans for manufactured home communities, enabling developers to create affordable housing options.
- Loan Servicing: Comprehensive loan management services, including payment collection and account management.
Additional Resources
In addition to their core services, 21st Mortgage Corporation offers a variety of tools and resources to help customers make informed decisions. These include loan calculators, educational materials, and a user-friendly online portal for managing accounts.
Who Can Benefit from 21st Mortgage Corporation?
21st Mortgage Corporation is ideal for anyone considering financing a manufactured home. Whether you're a first-time buyer, a homeowner looking to refinance, or a developer planning a manufactured home community, the company has solutions tailored to your needs.
Target Audience
The company's services are particularly beneficial for:
- Individuals with limited access to traditional home financing.
- First-time homebuyers seeking affordable housing options.
- Manufactured home community developers.
- Current homeowners looking to refinance their loans.
Why Choose 21st Mortgage Corporation?
Choosing 21st Mortgage Corporation comes with several advantages:
Expertise in Manufactured Home Financing
With decades of experience, the company understands the unique challenges and opportunities in this market. Their specialized knowledge ensures that customers receive the best possible advice and solutions.
Customer-Centric Approach
21st Mortgage Corporation places a strong emphasis on customer satisfaction. Their team is dedicated to guiding clients through every step of the financing process, making it as seamless as possible.
Competitive Rates and Flexible Terms
The company offers competitive interest rates and flexible loan terms, making homeownership more accessible to a wider audience.
Loan Options from 21st Mortgage Corporation
21st Mortgage Corporation offers a variety of loan options to meet diverse customer needs. These include:
- Purchase Loans: Designed for individuals buying new or pre-owned manufactured homes.
- Refinance Loans: For homeowners looking to refinance their existing loans.
- Community Loans: Financing solutions for manufactured home community developers.
Key Features
Each loan type comes with unique features, such as flexible repayment terms, competitive interest rates, and minimal down payment requirements.
How to Apply for a Loan with 21st Mortgage Corporation?
Applying for a loan with 21st Mortgage Corporation is a straightforward process:
- Visit their official website and navigate to the loan application section.
- Complete the online application form with accurate information.
- Submit the required documents, such as proof of income and identification.
- Wait for the loan approval process, which typically takes a few business days.
Tips for a Successful Application
Ensure that all the information provided is accurate and complete. Having a good credit score can also improve your chances of approval.
What Are the Eligibility Requirements?
To qualify for a loan with 21st Mortgage Corporation, applicants must meet certain criteria:
- Be at least 18 years old.
- Have a stable source of income.
- Provide proof of identity and residence.
- Meet the minimum credit score requirements (varies by loan type).
Special Considerations
The company may offer flexible terms for applicants with less-than-perfect credit, making it an inclusive option for a wide range of customers.
What Makes 21st Mortgage Corporation Different?
Several factors set 21st Mortgage Corporation apart from its competitors:
Specialization in Manufactured Homes
Unlike traditional lenders, the company focuses exclusively on manufactured home financing, giving them a unique edge in the market.
Strong Customer Support
Their team of experienced professionals is always available to assist customers, ensuring a smooth and hassle-free experience.
Customer Reviews and Experiences
Customer feedback plays a vital role in understanding the quality of services offered by 21st Mortgage Corporation. Here’s what some of their clients have to say:
- “The application process was quick and easy. The team was very helpful throughout!”
- “I appreciate their focus on manufactured homes. They truly understand our needs.”
- “Competitive rates and excellent customer service made my experience great.”
How to Contact 21st Mortgage Corporation?
If you have questions or need assistance, you can contact 21st Mortgage Corporation through the following channels:
- Phone: Call their customer service hotline for immediate assistance.
- Email: Send an email for detailed inquiries.
- Online Portal: Use the customer portal for account-related queries.
FAQs
1. What types of homes does 21st Mortgage Corporation finance?
The company specializes in financing manufactured and mobile homes.
2. Can I refinance my loan with 21st Mortgage Corporation?
Yes, they offer refinance loans for existing homeowners.
3. Do they provide loans for manufactured home communities?
Yes, they offer community financing solutions for developers.
4. What is the minimum credit score required?
The minimum credit score varies depending on the loan type. Contact them for specific details.
5. How long does the loan approval process take?
The approval process typically takes a few business days.
6. Is 21st Mortgage Corporation available nationwide?
Yes, their services are available across the United States.
Conclusion
21st Mortgage Corporation is a trusted name in the realm of manufactured home financing. With its specialized services, customer-focused approach, and competitive rates, the company has become a go-to option for many. Whether you’re a first-time homebuyer or a seasoned homeowner, 21st Mortgage Corporation offers solutions tailored to your unique needs. If you’re considering financing a manufactured home, this company is worth exploring.
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