Dreaming of owning a luxurious, high-quality tiny home without the stress of complicated financing? At Frontier Tiny Homes, we’re thrilled to partner exclusively with 21st Mortgage Corporation, the nation’s leading lender for tiny home loans. This partnership makes financing straightforward, accessible, and tailored to tiny home buyers like you.
As a NOAH Dwelling-inspected builder in Colorado’s Rocky Mountains, Frontier Tiny Homes delivers IRC-compliant, local code compliant luxury tiny homes. Our dealership license and NOAH inspection certifications open the door to 21st Mortgage’s reliable programs, helping you skip the hurdles many face with other lenders or builders.
In this ultimate guide, we’ll focus on why 21st Mortgage stands out as the easiest and most popular choice for tiny home financing, while briefly touching on other creative options. Ready to turn your tiny living vision into reality? Let’s explore how simple it can be.
Why 21st Mortgage is the Top Choice for Tiny Home Financing
21st Mortgage specializes in tiny home loans, treating qualified tiny homes like traditional homes. They underwrite, originate, and service loans in-house, offering:
- Fixed interest rates with no pre-payment penalties
- Flexible terms up to 30 years
- No land required in most cases (home-only financing available)
- Nationwide availability (with some state exclusions like AK, HI, MA, RI)
Rates typically range from 7%, depending on your credit profile, occupancy (primary vs. secondary), loan amount, and Loan to Value. For well-qualified buyers (strong credit, stable income), you could see even lower rates.
What sets this apart? Many tiny home builders lack the proper licenses or certifications banks demand, making approval tough. Frontier Tiny Homes has it all, dealership licensing, NOAH inspections, and IRC compliance, so 21st Mortgage approvals flow smoothly.
21st Mortgage Requirements: What You Need to Qualify
21st Mortgage is flexible and works across credit spectrums, even options for scores below 575 (typically with more money down). Key factors needed for a tiny home loaninclude:
- Credit Score: No strict minimum for most programs. Excellent credit (e.g., 750+) unlocks the best terms, like 0% down in some land-included scenarios. Scores 575+ often qualify for lower down payments; lower scores may need 35%+ down (cash, trade, or land equity).
- Down Payment: As low as 0% for top-tier qualified buyers (especially with land). Typical range: 5%–35%, based on credit, home placement, and occupancy. For primary residences: often 5–10%. Custom builds may align with 25% standard commitments but many qualify lower.
- Debt-to-Income (DTI) Ratio: Generally under 64.9% (monthly debts vs. gross income).
- Income & Documentation: Stable income proof (pay stubs, tax returns, W-2, employment verification). No land needed for home-only loans. You can also verify alternative income, like rental properties, Social Security, child support and the like.
- Home Specs: Must meet standards (e.g., IRC and local building codes). Frontier’s NOAH-certified builds check all boxes, plus their focus on the local codes for where your home will be located.
- Other: Age of home, placement (foundation vs. wheels), and occupancy type influence terms.
Step-by-Step: How to Get A Tiny Home Loan Through Frontier Tiny Homes
- Explore Frontier Tiny Homes: Browse our luxury models and customize your dream by giving us a call at 970.404.2333 or emailing us at info@frontiertinyhomes.com
- Get a Quote: Contact us at 970-404-2333 or via our site. We will guide you through the process.
- Apply with 21st Mortgage: Use their online application. Our retailer ID is 3728-1.
- Review & Approve: A loan officer reviews; approvals often move fast with our compliant builds.
- Close & Build: Loan is guaranteed; we start crafting your premium tiny home.
- Move In: Enjoy low monthly payments and minimalist luxury!
Timeline: Often 4-5 months from application to delivery, depending on our build schedule.
Use 21st Mortgage’s Payment Estimator to plug in your numbers and estimate monthly payments including taxes/insurance. It’s user-friendly and gives a clear picture!
Ready to Apply? Start Your 21st Mortgage Application Today and use Frontier Tiny Homes’ retailer ID# 3728-1 for seamless partnership support!
Other Creative Financing Options (But Why 21st is Easiest)
While 21st Mortgage is our go-to for its simplicity, reliability, and tiny-home fit, here are alternatives if needed:
- Personal Loans: Quick but higher rates (average 12.27% right now) and shorter terms, typically 1-7 years.
- Home Equity/HELOC: Right now rates average 7.3% if you own property.
- Credit Unions or Local Lenders: Sometimes competitive, but less specialized and typically don’t fund tiny home loans.
Most of our customers find 21st Mortgage to be the easiest and fastest way to finance their dream tiny home. No collateral hassles beyond the home, longer terms, and flexible credit handling. Pairing with Frontier’s quality tiny homes maximizes approval odds and satisfaction.
Why Choose Frontier Tiny Homes for Your 21st Mortgage-Financed Tiny Home?
Because our family has lived tiny living for real! We spent 8 joyful, chaotic, love-filled years traveling full-time in a 36-foot RV with all twelve of our kids. Don’t believe us? Check us out here!
As a result, we know and cherish every beautiful, practical detail of this lifestyle. We’ve learned exactly what works (smart storage that feels magical, cozy nooks for connection, efficient systems that take the stress out of living) and what doesn’t (wasted space, flimsy builds that can’t withstand use, designs that ignore real family life). This hard-won knowledge shapes every Frontier tiny home we create. Each home is both a reflection of our client as well as ourselves. We build with the same care, intention, and love we poured into raising our big family on the road.
We’re deeply passionate about this work, and the people we build for quickly become part of our extended family. We confidently recommend 21st Mortgage because they specialize in making tiny home financing straightforward and flexible to meet you where you are.
Apart from being built with love and attention to detail, as NOAH Dwelling-inspected builders, every Frontier tiny home meets International Residential Code (IRC) requirements and is customized to your destination’s local codes. Our dealership license and full compliance give you peace of mind while also enabling approvals with 21st Mortgage to be smooth and easy.
Ready to Start Your Tiny Home Journey?
Choosing a tiny home is a profound decision that balances aesthetic desire with freedom of living. At Frontier Tiny Homes, we aren’t just building a house; we are facilitating a legacy of quality, honesty, and financial endurance.
Contact Frontier Tiny Homes today at 970-404-2333 or visit our website to explore models, customize your home to fit your needs, and kick off financing. Your luxurious tiny home, and the freedom it brings, is closer than you think. Let’s make it happen!
