21st Mortgage Corporation

The application was extensive but necessary. It was pretty easy to upload everything. Kayla was my rep and she was good. This was our first time going through a mortgage company and Kayla she helped us. There was a little bit of miscommunication in the beginning because I wasn't sure that I was going to be approved by myself. My mother-in-law was gonna co-sign. But 21st said that if she co-signs, she has to live at the house. She wasn't gonna live at the house. I just had to file the application by myself. I filed it with just me and my wife. That got passed hand to hand and then there was a little confusion for a second but then we fixed it.

In terms of the rates, I would like lower rates. All in all, I would definitely recommend 21st Mortage. I would've liked to know earlier about the charge for the investigator person to come out and investigate the house. I was saving up money nonstop trying to be able to afford it and trying to get a decent downpayment. I wasn't expecting that bill. If that was told to me before, I would have waited on buying paint because my idea was I was going to move in then paint the place before my wife and my babies moved in because I don't want them to smell the fumes. The only other thing is maybe the phone tag was a little excessive. I would call and then she would call. But because 21st is located in Arizona, there was the timezone thing.

Our loan officer, Elizabeth, was amazing. My husband's work is very confusing as far as the pay goes. He's a line worker, and he works for the Union. The company that he works for under the Union starts on Saturday. So, his paychecks would show 32 hours of regular time and 56 hours of overtime. So, all they would base it on is the regular time. It's showing, "Okay, so he only makes this much a year." I'm like, "Honey, he's already made $220,000 in six months, so I don't know where you're getting your numbers from." Most companies would just come back and say, "Oh, I'm sorry, this isn't gonna work out for this, and this isn't gonna work out for that." Elizabeth would say, "Well, honey, if you can do this and you can do that, we can make it work." I'm like, "Okay, well then, I'll do this and that." She would give me suggestions and advice and help the process go by quicker and smoother.

There were a few times when she had a couple of days off and I was talking to other people, and they were talking to me this way and that way, and I would say, "Well, if you just go and look at the notes or whatever. I know you guys have got to have notes. There's gotta be some kind of interoffice communication going on." So, I would be frantic until she came back to work. Overall, the only rough patch I had was with the way my husband's paychecks are. So negating that from the equation, it's a stress-free, smooth transaction, and I would definitely recommend them.

This company has empathy as well as integrity and is way above most mortgage institutions, and this is a group that does not consider you as just a number. They have a heart as well and created ways to make things work for us. As you could imagine losing your oldest daughter to cancer at 42 and then less than 30 days later losing my mother as well, throw a catastrophe on top of all this where you and so many others are hurting and all you can ask is God to step in and help make things better, well He did with this group, so if you're considering a mortgage, I can say you are more than safe with these guys as they go over and above to make things work and unlike many others you can take a deep breath and know you're dealing with the best, and they are there to truly help you.

It's just not all about the money. They want you to truly feel comfortable working with them, and that's hard to come by nowadays, as so many just care about the money and could truly care less about how you feel. All I know is you will be taken care of the right way, the way things used to be when people truly cared about others. So with all this said we just want to thank 21st Mortgage company for their help, education, integrity, and taking a tough situation and making it better, and we are grateful we were guided to pick up the phone and work with a company that truly cares about you feeling good going through them as your mortgage company! Sincerely, the Plunketts

When that finished, the rep gave me a quote roughly of what it was that included a title company that 21st Mortgage uses. I figured it'd be easier because that title company deals with 21st Mortgage on a regular basis. There was an issue with the title company finding somebody to mobile sign. When I went to closing to sign, there was a problem because the realtor never received the disclaimer on how much he was getting paid. They almost walked out on the deal. But my rep, Drew, was amazing. He answered all my questions anytime I asked. He was always nice. He wasn't frustrated with the amount of times I called him or aggravated that I was calling him all the time. He went on vacation in the process of everything. I don't know if that slowed it down because it had to go through other people at that time he was on vacation. But my experience with him was great. 21st Mortgage was easy to deal with. I didn't have to run around a million places.

Our Realtor was Carla, my daughter-in-law and she sells real estate too, and she helped us and kept sending stuff to 21st Mortgage. Then, they sent it to escrow and the papers got lost. She had to resend four times. First, we were supposed to sign this 30th of July but they extended it to the 13th. Then, they extended again. And extended again. It got to the point where we paid a week of the lot space at the new place in our escrow and they couldn't get out right away because they were trying to get into their place. They were using the funds from us to buy a newer place so it was a challenge when we got moved. I sent them out our first payment due September 1st.

It all worked out okay. We got in the mobile home but we had septic problems. It all backed up the first day we moved in. We didn't have water and I had to call the manager. She sent the septic guy out and he looked at it and he said that something was stuck in our pipes. All of a sudden it cleared up for one night, a couple of the kids could take a shower and then, they started backing up worse. So, I called the manager back again and he came out. He discovered it was not our fault. Anything under the mobile home was on us and anything out of the mobile home was on them. So, he got it all working good and we're just trying to get settled. We're happy with the home and I'm so glad 21st Mortgage gave us the loan because the home is so much bigger and everybody's gonna be happier.

The reps were okay. It's just that they kept extending and extending because they needed this and that. We kept sending them and then, they said they wanted us to sell our other home before we got into this one. And I said no. With five kids, I won't be able to show the place and sell it. I said we have paid for it and we just want to get the best price out of it.

We get Social Security in all the kids. The boys get from their dad and my daughter's other kids get her Social Security. So, we kept sending them proof of that and they didn't like that. So I had to go to Social Security and get an actual paper from them that they're okay till they're 18. When they're 18, they drop off but the other kids get the benefit. It's just 21st kept losing stuff and asking for stuff. It was almost impossible. They put us through so much. We sent them the first three months bank statements. I get a Social Security account and then I move some money to their savings account and get it all organized. So, I don't know why they couldn't get all that information off of our same statements. But it's all over and we're happy.

The most frustrating part was during the entire process, we were trying to see if we can get our down payment on the home lowered. Ken told us he couldn't help us so he went to the escrow agent. The escrow agent said she couldn't help us and we went back to Ken, who then said he could help us. That was what we were asking in the beginning, but he sent us back and forth. It kind of delayed our process a little bit. I feel like he wasn't listening to what we were asking. Other than that, everything else went pretty good. We ended up not having to put anything down at all and in the end, we were able to get what we wanted, although it got a little bit stressful not having the communication.