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SuNutri
Mortgage Lifter Tomato
Intermediate

Mortgage Lifter Tomato

Solanum lycopersicum

Family: Solanaceae

Mortgage Lifter is a legendary giant pink heirloom that can reach over 2 pounds. Named because its creator paid off his mortgage selling seedlings!

Days to Harvest

80-90 days

Sun Needs

Full Sun (6-8+ hours)

Water Needs

moderate

Germination Temp

75°F optimal

Seed Starting

Start Indoors

8 weeks before last frost

Germination

7-14 days

Seed Depth

1/4 inch

Light to Germinate

No

Growing Conditions

Soil Type

Rich, fertile soil

pH Range

6 - 6.8

Spacing

36 inches for large plants

Companion Plants
BasilCarrots

⚠️ Avoid planting near:

Brassicas
History & Nutrition

History

The Mortgage Lifter tomato has one of the most colorful origin stories in American agricultural history. During the Great Depression in the 1930s, Marshall Cletis Byles operated a radiator repair shop in Logan, West Virginia—earning him the nickname "Radiator Charlie." With no formal horticultural training, Charlie embarked on an ambitious six-year breeding project to create the perfect giant tomato. He planted four of the largest-fruited varieties he could obtain—German Johnson, Beefsteak, an Italian variety, and an English variety—in a circle, with a German Johnson in the center. Using a baby's ear syringe, he cross-pollinated the center plant with pollen from the surrounding giants, then saved seeds from the largest fruits each year. By 1940, he had stabilized a variety producing massive pink tomatoes weighing 2-4 pounds each. Charlie began selling seedlings at $1 each (equivalent to roughly $20 today) from his roadside stand, and customers drove hundreds of miles to purchase them. Within six years, he had made $6,000—enough to pay off the $6,000 mortgage on his house, inspiring the variety's legendary name. The tomato became so famous that it was featured in newspapers across the South, and Radiator Charlie became a folk hero of sorts. The Mortgage Lifter variety was preserved through generations of seed savers and today remains one of the most beloved giant heirloom tomatoes, a testament to one self-taught breeder's determination and ingenuity.

Nutritional Benefits

  • High in lycopene
  • Excellent Vitamin C
  • Good potassium source
Climate & Temperature

Optimal Growing Temp

70°F - 85°F

Mortgage Lifter thrives at 70-85°F. Large fruits develop best with consistent warmth. Fruit set may slow above 90°F but plants are relatively heat-tolerant for a beefsteak type.

Survival Range

55°F - 95°F

Can survive these temperatures

tender
warm Season

Frost Note: Frost-sensitive. The long maturity time (85-95 days) means starting early indoors is essential in most regions.

Best USDA Zones

Zone 5Zone 6Zone 7Zone 8

Humidity

40-65%

Moderate humidity. Large fruits can develop issues in very humid conditions.

Plant Size & Growth

Height

6-10 feet

Spread

2-3 feet

Growth Habit

indeterminate

annualRoot Depth: Deep, extensive root system reaching 3+ feet. Critical for supporting enormous fruits.
Growth Stages

Germination

7-14 days

Seeds germinate at 75-85°F. Heirloom seeds may be less uniform than hybrids.

Seedling Stage

Duration: 5-6 weeks

True leaves: First true leaves 10-14 days after sprouting

Transplant ready: Ready when 6-8 inches tall. Start extra early due to long maturity.

Vegetative Growth

Duration: 6-8 weeks after transplant

Very vigorous growth—plants can reach 10 feet. Install heavy-duty support early.

Flowering

Timing: 7-9 weeks after transplant

Duration: Continuous

Self-pollinating. Large flowers may need gentle shaking in humid conditions.

Fruit Development

Begins: 4-6 weeks after flowering

Duration: Continuous

Giant fruits (1-3 lbs) develop slowly. Allow 6-8 weeks from pollination to harvest.

Harvest Maturity

Timing: 85-95 days from transplant

  • Deep pink-red color
  • Giant size (1-3+ lbs)
  • Slight softness when pressed
  • Strong sweet aroma
  • Easy release from vine
Expected Yield

Per Plant

15-25 lbs per plant

Per Square Foot

5-8 lbs per square foot

Harvest Frequency

Every 4-7 days during production

Factors Affecting Yield

  • Fewer fruits per plant but each is enormous
  • Giant size = fewer individual tomatoes but impressive total weight
  • Excellent care produces the largest fruits
  • Heavy support prevents breakage losses
Watering Guide

Seedling Stage

Consistent moisture

Established Plants

1.5-2 inches per week

During Fruiting

Steady, consistent—never let wilt

Preferred Method

Drip irrigation or soaker hoses essential. Giant fruits require significant water.

⚠️ Critical Watering Periods

  • Entire fruit development period—weeks of steady growth

Pro Tips

  • Consistent watering is crucial for developing 2-3 lb fruits
  • Heavy mulching maintains moisture
  • PRO TIP: Add calcium at planting—large fruits are prone to blossom end rot without adequate calcium uptake
Fertilizing Guide
moderate feederRecommended: Balanced at planting, 5-10-10 during fruiting

Feeding Schedule

At Planting

Rich compost + balanced fertilizer + bone meal for calcium

Once

First Flowers

Side-dress with compost

Once

Fruit Development

Tomato fertilizer + calcium supplement if needed

Every 2 weeks

Organic Options

Rich compostFish emulsionBone mealCrushed eggshellsKelp

Generous compost at planting and as side-dress. Bone meal and eggshells for calcium.

Container Growing
✓ Suitable for containers

Minimum Size

15 gallon minimum

Recommended Size

20-25 gallon for best results

Depth Required

At least 20 inches deep

Best Varieties for Containers

Better suited for in-ground growing; container results will be modest

Container Tips

  • Mortgage Lifter needs very large containers
  • Heavy-duty support critical for 3-lb fruits
  • Expect smaller fruits in containers than in-ground
  • Daily watering likely required
  • Rich, amended potting mix essential
Support & Trellising
Support Required

Support Type

Heavy-duty cage, strong stake, or overhead trellis

Height Needed

7-8+ feet

When to Install

At transplanting—before roots establish

Method

Single-stem training produces largest individual fruits. Use fruit slings for 2+ lb tomatoes. The Florida weave works for rows.

Tips

  • PRO TIP: Use concrete reinforcing wire cages—standard cages collapse under weight
  • Individual fruits may need hammock-style support
  • Plants can reach 10 feet—plan vertical space accordingly
  • Strong anchor stakes or overhead support essential
✂️
Pruning Guide
Pruning Recommended

Why Prune

Channel energy into fewer, larger fruitsManage vigorous growthImprove air circulation

When

Begin early—plants grow fast

How Often

Weekly—growth is rapid

Technique

For largest fruits: train to single stem, removing all suckers. For more (smaller) fruits: allow 2-3 stems.

Remove

  • All suckers for giant fruits
  • Lower leaves
  • Any suckers touching ground

Keep

  • Single main stem for largest fruits
  • Leaves shading developing giants
Frequently Asked Questions

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