Make Your Tiny Home Dream a Reality
We understand that financing a tiny home can be a significant step. However, the affordability of tiny homes makes them a practical and economical choice. Turn your tiny home dream into reality is within reach.
Flexible Financing for Your Tiny Home with 21st Mortgage
A trusted financing solution with no minimum credit score requirement. Get started today.
Affordable Monthly Payments - More Cash in Your Pocket
Discover the Cost Savings of Tiny Living
21st Mortgage provides specialized financing for tiny homes, making it possible to secure funding even if you don’t meet traditional mortgage requirements. Here’s how the process works:
1. Check Your Eligibility
Before applying, review these key requirements:
No minimum credit score required (approval based on financial history and debt-to-income ratio).
Down payment of 10-35%, depending on credit and home placement.
Monthly debt payments should be below 50% of gross income.
Place to legally park your tiny homes
2. Complete Your Loan Application
To begin the process, submit an application directly with 21st Mortgage. You will need:
Personal and financial details
Proof of income (pay stubs or tax returns)
Bank statements to verify your down payment
Proof of land ownership (if placing the home on owned land)
3. Loan Review & Approval
A loan officer from 21st Mortgage will review your application and reach out if additional documents are needed.
4. Finalize the Loan & Move Into Your Tiny Home
Once approved, we’ll finalize the details, and you’ll be one step closer to living in your new tiny home.
Financing FAQs
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Your tiny house can be financed for up to 25 years, making your monthly payments low.
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When financing a tiny home with 21st Mortgage, it must be placed on an approved, permanent location. This can be privately owned land, a leased lot in a tiny home community, or an approved RV or manufactured home park with a long-term lease. In some cases, you may be able to finance both the tiny home and the land together. The home cannot be placed in a temporary location, such as a backyard without a recorded lease or an undeveloped lot without utilities. If you’re unsure whether your desired location qualifies, 21st Mortgage can review it before finalizing your financing.
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Yes, in some cases, 21st Mortgage allows you to finance both the home and the land together if you’re purchasing land to place your tiny home on.
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No, but the home must be placed on approved leased land, a tiny home community, or a long-term RV/manufactured home park with a recorded lease agreement.
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You’ll typically need to provide proof of income (pay stubs or tax returns), bank statements, a government-issued ID, and documentation for your home placement location.
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The approval process can take a few days to a couple of weeks, depending on how quickly you submit the required documents and whether your home placement is approved.
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Yes, 21st Mortgage loans do not have prepayment penalties, so you can pay off your loan early without extra fees.
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Interest rates vary based on your creditworthiness, down payment, and loan term, so rates are determined on a case-by-case basis.
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You can apply directly online through 21st Mortgage’s application portal, and a loan officer will reach out to discuss your options and next steps.
Our mission is to make tiny homes an affordable housing option and a smart investment for everyone. Discover the cost of building your dream tiny home today with our easy-to-use cost calculator.
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