Financing Made Simple — In Partnership with 21st Mortgage
IBS Homes works with 21st Mortgage — one of the nation's largest manufactured-home lenders. They handle the loan; we handle the home and the paperwork, side by side with you.
Most of our buyers finance their home with a chattel loan through 21st Mortgage — that means a loan on the home itself, perfect for buyers placing on a leased or family-owned lot. FHA Title I and cash purchases are also great options. Whether you have strong credit or you're rebuilding, there's almost always a path forward.
Why 21st Mortgage
Manufactured-home specialists
30+ years lending exclusively on manufactured homes — they understand this market.
Online prequalification
Apply in minutes from your phone. No hard credit pull at the first step.
Credit-rebuild friendly
Strong credit helps, but they work with applicants who are rebuilding too.
We're with you
Our team walks every IBS Homes buyer through the application together — never alone.
Common Paths
21st Mortgage Chattel Loan
A loan on the home only — not the land. The most common path for IBS Homes buyers, financed through 21st Mortgage.
FHA Title I
Government-backed loans with low down payments. Strong credit helps but isn't always required.
Cash
Fastest close, simplest paperwork. Best if you want to skip lender timelines entirely.
Not Sure Yet
Most families start here. Tell us your situation and we'll point you to the right option.
Ready to see what you qualify for?
Start a prequalification with 21st Mortgage online, or call us first and we'll walk you through it.
Talk to a real person first
Not sure where to start? Our team will walk through your options before you apply — no credit pull required.
IBS Homes is a licensed Texas Retailer, Broker, and Installer — not a lender. 21st Mortgage Corporation is an independent lender; all loan terms are subject to credit approval.