As of 2015, apply for a mortgage with 21st Mortgage by calling its toll-free number or by visiting 21stMortgage.com, according to the company's website. To begin an online application, click on the Apply for a Loan tab at the company's home page, and select On-Line Application before choosing the type of mortgage loan that applies to your situation. Complete the online application on a computer because it is incompatible with tablets and smartphones.
21st Mortgage specializes in offering manufacturer and mobile home mortgages for single and multi-section homes, as the company's website reports. The minimum loan amount is $20,000, and mortgages are available with down payments as low as 5 percent. However, the company does not offer mortgages for properties that other lenders repossessed or foreclosed on.
As of 2015, 21st Mortgage does not include age requirements for properties in most states, but exclusions apply in the states of New York, Mississippi and Alabama, according to the company's website. The company requires escrow for taxes and insurance, but mortgage insurance is not required to obtain a mortgage. The lender provides a variety of payment options for its members, including an online payment option, a free bi-weekly payment option and a free monthly auto draft payment option.