21st Mortgage Corporation Reviews

If you are ever confused about things that you don't know, 21st Mortgage will cover all the bases with you in the process of trying to get you a home. There were even questions that I didn't even know about that Dylan actually asked me that made me realize it was something that I needed or that I needed to know. And it took a lot of things into consideration, even with the situation of letting me know ahead of time of what to pay for certain things such as inspections. This was my first time getting a mortgage and I didn't know anything about houses and homes. Dylan was like a guardian angel directing me on what to do, so I really appreciated that.

I had a pretty long process with 21st Mortgage as there were a lot of things that they required. There was a point that everything would be clear, then they would ask for another thing, and another thing, and another thing. But I knew that was part of the process since they got to make sure that everything was legit and clear. It was supposed to be a 60-day thing and it actually lasted a little bit longer because there were certain things that they kept asking for, which was totally reasonable. At the end of the day, we were able to close the chapter, and that was the important thing. My interaction with my loan officer has been a 10 out of 10. We talk every so often and if I have any questions, I know that I could call him and ask. He was very professional.

Working through the mortgage process with 21st Mortgage was a pleasant surprise. Initially, we had aimed for stick-built homes and had gone through other loan approval processes. However, with 21st Mortgage, particularly in working with Lindsay, the process was much simpler. Their website functionality was top-notch, providing a streamlined list of necessary tasks, which made the experience effortlessly efficient. Lindsay's responsiveness was unmatched, keeping us informed and promptly addressing our queries, which was invaluable, especially considering the challenges posed by the seller's agent and unique appraisal requirements.

What truly impressed me about working with Lindsay was her proactive approach. With certain aspects, like the minor repairs that needed addressing on the property, she ensured I was aware of the steps necessary, supplying information directly from the underwriter. This minimized stress since the bottleneck wasn't on our end, allowing us to meet all requirements in a timely manner. Our successful transition to a monthly payment plan cheaper than renting was a significant life milestone, pushing us closer to achieving financial freedom. For any family or friends considering such a service, I would wholeheartedly recommend 21st Mortgage. They made the complex and often overwhelming home-buying experience manageable and organized, helping us focus on the right tasks at the right time.

The application process was highly convenient and suited to my lifestyle as a semi-truck driver with a hectic schedule. Most of it can be done online or by phone, which allowed me to keep working without unnecessary trips to an office. Everything could be emailed or signed digitally, fitting perfectly into my routine.

Working with Paige, the representative from 21st Mortgage, was fantastic. Her responses were quick and insightful. Being a first-time homebuyer, I had many questions, and she answered them all while guiding me through the process efficiently. She impressed me with her extensive knowledge, and even though there were times she had to verify information, she would promptly get back to me with the correct answers.

Although I indicated my high satisfaction, giving it a score of 5 for recommendation due to the smooth process and impressive customer care, there were some challenges. Completing the process took a bit longer than anticipated because of delays on my part and complications with the home’s title not being in the seller’s name. However, working through these wasn’t related to 21st Mortgage—the delays were from the homeowner and my own filing oversight.

Overall, for those experiencing similar situations or with jobs limiting their ability to handle traditional loan processes, I strongly recommend 21st Mortgage. They provided an extensive checklist that clearly laid out the requirements, making everything straightforward. On another note, while I'd also rate their customer service highly, beyond Paige, others I interacted with were just as helpful and well-informed, ensuring everything was seamless.

For 21st Mortgage’s website, I’d give it a 4.5 out of 5. Although some technical issues cropped up, this might have been due to my volatile internet situation while traveling. In short, for clear communication, quick responses, and general transparency, 21st Mortgage comes highly recommended!

The application process with 21st Mortgage was swift and thorough. The delay was primarily due to the seller, not the company. They provided clear instructions and support throughout. Initially, my original loan originator had to step back due to personal reasons, but everyone I dealt with was exemplary. They were responsive and either had the answers or promptly found them for me.

Navigating their online application was straightforward. Despite delays on the seller's end, the entire process from application to closing took about two months. As a homeowner now, this experience was life-changing, enabling me to own a home in a challenging economy. The representatives at 21st were friendly, knowledgeable, and sympathetic to the frustrations caused by the seller's delays. They remained diligent and provided reassurance throughout the process. I would undoubtedly recommend 21st Mortgage to friends and family. If you're considering a mobile home, it's worth pursuing. Mobile homes today come with numerous features and can rival traditional homes in quality. This opportunity has allowed me to own a home, an essential stepping stone for future plans.

So now we're having to figure out how to switch over to find a new homeowners insurance or mobile home owners insurance and probably will now refinance and get away from 21st Mortgage just because of their scammy insurance. So just be very, very cautious for use them as mortgage company and never use their insurance. Regardless of whatever you do never use their insurance. Find your own, find your own, find your own!

So now, EVEN THOUGH I HAVE 2 YEARS OF OVERALL GOOD EXPERIENCE WITH THEM; never more than 3 weeks late; they WON'T REFINANCE ME SIMPLY BECAUSE OF MY CREDIT BUREAU SCORES! They IGNORE YOUR PERSONAL HISTORY WITH THEM; AND JUST LOOK AT YOU AS JUST ANOTHER CREDIT SCORE! This position could cause me to have to sell my home while disabled just to satisfy a court decision in our separation case! Yet, Even though I now earn an extra $2000 a month since landing a part-time job and have 2 paychecks on the first few days of every month; they won't refi me! Hence the loss of 2 stars in their rating. They only see their customers as just another number on a credit score sheet; instead of actually considering the history and income capabilities of the customer.