21st Mortgage Corporation Reviews

The company is good if you pay your payments on time, but you have some kind of family issue or your emergency that popped up or lose your business. You will be hounded for payments and talk very rudely too!! I don’t recommend anybody using this company. They are out to get your house if you listen to the introduction, keyword repo.

Absolutely terrible experience. Horrible communication. No follow up. Had to submit paperwork over and over and over again. Then try to get ahold of the representative taking care of loan was near impossible. Didn't return phone calls, didn't return emails. We were putting 50% down and both of us have 750+ credit scores. We were going to be charged almost 11%. We ended up paying cash. If we were to look into buying a manufactured home again we would definitely look somewhere else. Reading through the positive reviews it looks like they're written by employees. None of those reviews are even close to how we were treated.

They will call and email you non stop. If your payment is due the 1st, they start calling and emailing on the 2nd. They will call several times a day then email too. They say you have ZERO grace period on your loan. If you ask them to stop the calls and emails, they refuse to do so. If you research this company, it is a common issue.

I emailed a loan rep and instead of responding to me he responding to another rep and did not realize I was on the thread and said he is not responding to me. How is that good business?

21st Mortgage told me I had to get a mortgage under 100 k. I got what they asked and still didn't get approved. I had to get a new mobile home for Ship Program to give the 20k they are pushing their repos and Ship won't do as is mobile homes. They string you along.

Getting the right loan for us to buy our first home (manufactured home) was not easy. My husband and I were going through some hard times, trying to stay afloat with each other, when 21st Mortgage stepped in. Not only did they approve us, but they helped walk us through as much of the process as possible. I lost count of how often I called them with questions and worries. They were patient, kind, and gave me the assurances I needed to keep going. I have only nice things to say about them and have already recommended them to a few co-workers who were thinking of buying their first homes too. If we ever need another home loan, I know who to go back to! Thank you for everything!

My complaint is it really on the mortgage company even though their interests are way too high! Because you can't get a hold of them whenever you need to as far as anything to do with your mortgage there right on top of it as far as emails, phone calls, everything, so they have excellent employees however the homeowners insurance that they go through is a complete scam. The 21st Mortgage insurance for mobile homes which is called I believe American bankers or some something of that name are complete scams. We had a tornado come through and move our house over 3 in our mobile home and also destroy our roof and they refuse to repair any of it except for small hole in our roof when the whole roof need to be repaired. We had to come out of pocket over $7,000 just to repair our home that was only 4 months old, straight out of the factory and nobody wanted to do anything about it.

21st Mortgage was overall decent in the application, loan execution, and in use, month to month service with their agents. I developed a disability the second year into paying on our mortgage; causing payments to come in late by 2-3 weeks for several months until my SSDI was approved and begun. They were cool working with me until I caught up' but for a number of months my payday was 2-3 weeks later into the month; making it difficult to be "on time" Regular and consistent by more than 10 days late. Eventually, SSA converted my paydays to the 3rd of every month 4 months ago. But a divorce came about and I needed to request removal of the spouse's name from the contract; and they told me the only way they could do that was for me to refinance. Since these rough periods in life over the past year had caused me to be late with other creditors; it dragged my credit scores down.

Jackson was very helpful, polite, courteous. I really appreciate all he did to help me with this situation. Thank you Jackson with 21st for all of your help! You were the best! Jackson help me when I was having issues a payment I had pay on Christmas Eve! He is the absolute best service I have ever had.

Drew with 21st Mortgage was so amazing and worked very hard to help me buy my first home. I was in a bad situation because I broke my leg, and I lost my home and I was living from house to house. He did everything in his power to help me get this house. I was turned down for the loan three times even though all the numbers added up, and he kept pushing and pushing to see why. The process was very easy. I had to upload all my check stubs and fax most of them, and I did it all by myself. I’m even trying to get my son to buy a house and go through them.

I had a trailer that was under someone else's house, but we were paying for it. The trailer was from 21st Mortgage initially. We had to go through the entire process of me being a secondary instead of being the primary household. 'Cause they wanted it under my name. It took almost three months, but it was because the owner never checked her emails and was taking too long to do her stuff. My part was easy.

With working with Mr Ryan ** on our home loan. It went very smooth . My fiance and I are very pleased with 21st Mortgage. It was a very professional and courteous experience... I highly recommend 21st Mortgage and Mr Ryan ** to get the home loan that you need. 😇 Two thumbs up. 👍👍

Obtaining the mortgage from 21st Mortgage wasn't too difficult. They were the only company that would give us a conventional loan because the property we bought was mostly land and had a 15-year-old mobile home. The application process was pretty easy. I did everything through the website, from application to uploading of all our documents. The loan officer, Jonathan, was also very helpful. Any questions we had, he answered them quickly. Everything was great. It took a month before we had our house.

Obtaining the mortgage from 21st Mortgage over the two-month period was good. Communication could have been better, though.

21st Mortgage had cheaper rates compared to other mortgage lenders at the time when we were looking. The paperwork process went pretty smooth. I never had any trouble getting in contact with the person who was working with us. He was always ready to help us out in whatever we needed. We had quick responses and they helped us get our house in a timely manner.

Aaron was very helpful and understanding to the fact that unforeseen occurrences can happen and for that I am Thankful. Kayla could prove on the words she uses when speaking to human beings. Overall This is a good company to work with. I greatly appreciate all your assistance and patience with me.

I had a great experience working with this sales representative. They were extremely knowledgeable, professional, and took the time to explain everything clearly without rushing or applying pressure. Every question I had was answered honestly, and they made sure I understood all my options before moving forward. Thank you Hayden T

If I could give them ZERO stars I would !! We applied for a loan. Got approved. They came back and said we needed 10,600 down. We gave it to them. We were ready to move in because we needed somewhere to go and then they came back two days later and said, "NOPE you need 20,000 down!!" Totally screwed us and I would not recommend this place for a mortgage loan!! Horrible people!’

My real estate agent told me about 21st Mortgage and the customer service was excellent. I really liked Joy, my loan officer. She was great.

I was buying a mobile home in a community, and 21st Mortgage came up in Google as a mobile home lender. Those are harder to find. They had an online application process which I completed and filled out, and then I had a loan officer assigned. Most of the stuff was online as they're in Kentucky and I'm in Wisconsin. They indicated what stuff I needed to get to them for the payment, and it took about two months.

21st Mortgage was one of the only people that would lend on the house that we were buying. We had a couple of other places that we were going to look at, but they made the process super easy. The annual percentage rate is high, but that's just the economy right now and I’m okay with it. It'll give us room to refinance in the future for more time. At my signing, the guy told me that the origination fees that we had were going to be steep. We didn't really mind because we paid a low price for our house anyway.

I remember being interested in a home and I contacted the land management of the place I was living at. They let me know that there are some things that they're partnered with, that people where I live like to use. I used that list and I found 21st Mortgage. It was my first time buying a home, but I think they're pretty straightforward with everything. My interaction with the loan officer was good, too. Everything went really well.

Supervisor Henry was excellent to work with, helping me arrange a payment with class and professionalism. And understanding me as a customer, providing me with the best options for my needs at the moment. Thanks again, Henry, for providing excellent service.

The loan process was easy and clear. I had great communication with Brian the loan officer. When I called anyone who answered my call was able to help me with what ever question I needed answered. Brain and his team were very pleasant and nice to talk to. They all made me feel that I was important. Thank you everybody who took part in my loan process. I will and have recommended 21st Mortgage to others selling and buying a home.

I was very grateful that 21st Mortgage approved me very quickly and the process was very smooth. The communication between the lender was amazing and I would recommend them to anyone looking for a mobile home. The communication between them and my realtor was amazing. I did not have to handle much at all besides my own paperwork.

Professional loan service. Quick and fast loan. I am first time buyer. They always help me. They are kind and friendly. They always answer my questions and help me in time. This is a great buy hours experience and we can moved in before Thanksgiving holiday. I will recommend all my friends to apply from 21st Mortgage. They will help you loan successfully.

From the very outdated appearance of the website, to the continual malfunction of the "stay logged in" button for the site, to the upload process, this process was a nightmare. The webstyling reminded me of the worse parts of the early 2010s, giving the impression that perhaps this company's care is not put into innovation. I was told repeatedly by Brian ** that I had submitted all I needed to only to be met with an email or a website checklist that said there was more to do. I convinced myself maybe it was me, perhaps it was my error at this! I' lm new, I've never done this before, after all. So I'd send in the things I'd been told were needed before I'd wait one to three business days for a response regardless of the email's content. I'd then be told there was more, things, which I'd already submitted.

21st Mortgage was the only one offering mortgage for the type of home I bought. Their process was okay and their consultant was all right. But there were times where things could have been handled better. The application was fairly simple, and downloading and uploading on their website was easy. But a lot of things were redundant. What they required were superseded by other things that already covered more information than what they were asking, but they required to have their stuff filled out instead. Also, I was told it wasn't going to take as long as it did, but the process was drawn out. But the timeline met my needs because I went with them. But overall, they would have more people if the customer service end and speediness of a loan were faster and better communicated.

We dealt with another mortgage company who ran into a roadblock with something that they needed that they could not get from the community we were living in. So, we went to 21st Mortgage. They primarily deal with manufactured homes and that was what we bought. We submitted an application, then, whenever they asked for financial documents, proof of employment, and things of that nature, we complied. And ultimately, the process went very smoothly. Everything from start to finish took about six weeks or so, which was reasonable. Our rep, Ken, was very responsive and he wanted to get things done. Anytime we contacted him, we got a response from either himself or his assistant. Our lawyer and realtor were in touch with them also, and overall, we had a very good experience with 21st Mortgage. They work with you and they're there for you.

I had 21st Mortgage previously on a home about a couple of years ago and the only reason I left was that I refinanced it. So I thought they'd do well, but their processes were all drawn out, and one of their appraiser companies screwed the deal up and made it go longer than it should have. The application itself was simple. But the way I would get emails back from 21st Mortgage and listing this stuff that they needed was like talking to AI. We weren't on the same page. So, it made me call the loan officer more. He was patient and worked with me. It was a lot more cumbersome than it was back in 2018. This wasn't a pleasurable experience because there was so much turmoil over communication. Then, I didn't even have a Realtor, but the seller's Realtor was helping me, so I'd call her and then get back with the loan officer. It wasn't fun.

My father is a retired banker who knew several people in the mortgage industry and he had looked around for a mortgage lender for an older trailer home. I heard about 21st Mortgage Corporation from him and as a first-time home buyer, the process was easier than I expected it to be. It took around 45 days. Brian, the rep, was very patient with me. But communication can be improved. All we ever had was communication between us and between the emails. It seemed like I was chasing people more often than I needed to be, just trying to get answers. And more often than it turned out to be, they were waiting on somebody as well. That part of the process got frustrating.

When bought my house, the realtor introduced me to 21st Mortgage Corporation. Applying with them easy and nice. The rep I had was very good and he explained everything. The process took a month and a half to complete, and everyone I dealt with were really professionals. They're also recommendable.

I've always done loans up close and personal. I had never done a home loan online and being older, it made doing everything online very difficult. I found there were some things that I did that got lost in the shuffle, but the people I spoke with at 21st Mortgage seemed to be knowledgeable. This is the first time I've had to do a loan long distance, but they were pretty efficient. The representative called me right away and we got to work right away, which was good. There's still a gap getting up and down online, though, for older people. As far as documents, I would go to the bank and have them process everything. I took out a seller to buyer mortgage. The annual percentage rate is a little high at 11%. I've never bought a house before where I had to pay that high an interest rate. My credit, though, wasn't that great, and I had to put a large amount of money down.

I went with 21st Mortgage for a consolidation refi. I was getting a bunch of paperwork. It was a long process, but for the most part, everything seemed to roll easily, especially working with Brian. That was the one thing that made everything go a lot quicker. He was so awesome when it comes to knowing everything about it. Whenever he was out, you could tell the difference because nobody knew what was going on but he straightened everything out. I liked Brian's efficiency. He was on top of everything.

The process at 21st Mortgage was really simple to understand. It was easy to contact the personnel I needed to contact, and it went pretty smooth. There were no hiccups on our end at all. The process took two weeks, and that was because we were going back and forth from negotiations. But it was fairly quick. We were in our new house within a month.

My sister does property management, and she recommended 21st Mortgage. Everyone at 21st Mortgage that I dealt with was great. They have really good communication. I would also recommend them to anyone.

The supervisor that deals with my loan has been very disrespectful towards me. I keep in contact and let them know when I will have the money for the payment. One time things didn't work out as planned so I couldn't make a double payment to get ahead on my payments, and have been dealing with this man since. He is rude and has me in tears by the end of every call making me feel like trash. He has called me a liar and is very belittling. I wish I could switch mortgage companies all because of him. Everyone else I have dealt with has been understanding and kind.

21st Mortgage Corporation did a fantastic job. I learned about them when I was going for a manufactured home and my realtor connected me with them. I loved the open communication on the things that I needed to give. My rep was Dylan and he was a very huge help when it came to a lot of my questions and things that I didn't understand when I was trying to figure out what I needed to bring in order for the process to continue. Their website also offered a very good insight on the criteria of things that they needed from me, where I could get them, and the different examples of where to find them.

The application process was easy but during the house buying process, communication wasn't great. The paycheck thing was very frustrating. The form needs to be changed because it doesn't make sense. I had to wait a couple weeks on that because they required it to be my pay stub, not the form, even though the form is a little confusing with the way it comes off. My husband and I were trying very quickly to make sure everything got done in a timely manner. We were staying on top of stuff.

Everything went well with 21st Mortgage and I am a happy new homeowner now. I would recommend them. It was my first time buying a home and unfortunately, I didn't have the money. But I had excellent credit along with me, my brother, and Gail. So, we all took a responsibility of owning our first home and seeing the experience of it. I've heard that 21st Mortgage is not only very professional at what they do, but they clarify everything and don't beat around the bush. But most importantly, I've heard many good reviews of them and I've had colleagues tell me that they got their first home through them.