
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)
moderate
Germination Temp
75°F optimal
Start Indoors
8 weeks before last frost
Germination
7-14 days
Seed Depth
1/4 inch
Light to Germinate
No
Soil Type
Rich, fertile soil
pH Range
6 - 6.8
Spacing
36 inches for large plants
⚠️ Avoid planting near:
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
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
Frost Note: Frost-sensitive. The long maturity time (85-95 days) means starting early indoors is essential in most regions.
Best USDA Zones
Humidity
40-65%
Moderate humidity. Large fruits can develop issues in very humid conditions.
Height
6-10 feet
Spread
2-3 feet
Growth Habit
indeterminate
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
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
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
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
Generous compost at planting and as side-dress. Bone meal and eggshells for calcium.
Minimum Size
15 gallon minimum
Recommended Size
20-25 gallon for best results
Depth Required
At least 20 inches deep
Best Varieties for Containers
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 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
Why Prune
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



