21st Mortgage Corporation Reviews

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!

My main concern was ensuring the process went smoothly, primarily because I received automated notifications about incomplete information. However, thanks to the representative's support, any confusion was cleared up quickly. It's not something I do every day, yet it was manageable. Selling my previous home took a similar duration, which I expected. Even though it took a month, the timeline was standard, and once we agreed on a price, everything fell into place nicely.

The process itself was relatively straightforward, though delays with third-party inspections during the holiday season slowed things down. The inspection process was somewhat frustrating, as it was slow and not satisfactory. This delayed the entire process and made us start from the beginning again, but I understand these are typical hurdles during the holidays.

What impressed me most was their ability to finance a mobile home, especially considering its age. Many other companies would outright reject financing such a property. As someone recently divorced and needing a quick solution, 21st Mortgage was empathetic and efficient throughout the journey. Despite the heavy reliance on third-party processes, their internal support was remarkable, and I always had someone to contact for assistance.

Overall, their support staff was outstanding, always providing the help I needed exactly when I needed it. Even my agent contacted them occasionally, and they were consistently accommodating. They made what could have been a challenging situation seamless, fulfilling my needs despite the common issues with third-party interactions. Overall, their service is one I would highly recommend to anyone in a similar situation.

The rep I worked with works with multiple people. If I called and told them that I was trying to get ahold of my loan officer and he was unavailable, someone else would work it and they did just as good, if not, it was just like it was him. They had all the information and knew all the answers. If I needed something, I would submit it and it would go to underwriting. They would call down and see if it got approved or they were on top of it if there was anything else I needed to do. From start to finish, we had our house and our whole loan done within a month. So, that was good. The deal that I got on the house was such a good deal. I wasn't even looking to buy a house but I couldn’t pass it up. It was only $2,000 in charges and 21st Mortgage took care of everything. All I did was send in stuff that they asked for and they sent me an email at the end and said that it was mine. It was easy.

I was perfectly comfortable with everything that they asked because I knew what to expect going into a mortgage. They didn't ask anything that I thought was going to be out of the ordinary. I did run into one problem, but this was my fault. I had lost my Social Security card and needed to have that and they said the only way that they could move forward was with that. Over time though, I was able to talk to someone else and they said that they could request it from the Social Security office. So they were able to do that eventually. But for a long time, that procrastinated it because they said I needed a physical card. So I had to wait for it.

Lindsay was great. She answered when she was available. She answered the phone pretty quickly and was pretty prompt to email responses. Near the end of the process, she was out of office a lot. But I wasn't informed that she was going to be out. The only thing was that it was a mess between me getting pushed around to different officers filling her position.

They sent me a list of things that they needed and I started sending in everything. It was all done online and they had it easy for us to submit. There were a couple of items I had to fax because I couldn't get the pictures clear enough for them to see. The thing that took the longest was the owner having to get certain documents on the home. Once 21st Mortgage got one of the documents they needed from them, then they did an appraisal. They found some things that needed to be repaired so we repaired those. They needed a copy of the title as well.

They tell you upfront it's gonna take 30 to 45 days to close. They said, “If it goes past this date, we'll have to requalify." We were right at that date, but they still hadn't turned in that paperwork. But our loan officer, Justin, was amazing. Every time I had a question and was nervous about something, he'd tell us not to worry about it and that he'd take care of it. When I didn't know what to do, he told me exactly what I needed to do.

21st Mortgage took care of everything. It was a long process, but I loved it. They have their own insurance company so I didn't have to worry about shopping for insurance. I may, later down the road, ‘cause I want a little more coverage in some areas. If I’d go to do it again, and if I'm still in the situation I am now, I'd call 21st Mortgage again. I am thrilled with them, and I'd recommend them highly. They worked with us every step of the way. The only part I didn't like was at the very end when we went to close. We had to close locally with an escrow company. It took another 48 hours for the escrow company to send the paperwork to 21st. Then 21st took 48 hours to do the paperwork and I didn't find out from 21st that it was all said and done. I found out from the realtor. But I found an email in my other email account from Justin, telling me that the loan had closed and he gave me our loan number.

I'm very satisfied with their service, and I'm happy to rate 21st Mortgage Corporation highly for their exceptional assistance.

My experience with their customer service was excellent, largely thanks to Tyler, who was incredibly helpful throughout the process. I really appreciated his help. Applying for the mortgage was surprisingly straightforward for me, especially considering I had usually relied on my girlfriend to handle such matters. When I had to do it on my own, I was relieved to find the process wasn’t as daunting as I expected.

I wholeheartedly recommend 21st Mortgage to friends and family, given my positive interaction and the ease of their services.

I found my interactions with the loan officer to be very good. While some might consider the interest rate a bit high, it was my first time going through this process, so it was acceptable for me. Overall, my experience with 21st Mortgage was positive, and I felt supported throughout.