21st Mortgage Corporation Reviews

It is a pleasure to deal with the people at 21st Mortgage. I call in each month to pay. The representatives are always friendly and helpful. Steven had a happy voice, friendly attitude and double-checked to make sure my account was in order. It's the little things that can make my day. Thank you.

I've worked in mortgages for a very long time and 21st has a very good system set up. It was very easy and user-friendly. The rep we worked with there was great and if she wasn't there, there were people that were filling in and they were very good too. The rate and terms are a little bit high, but considering the situation, it's fair.

The process took a little bit longer than usual because they misunderstood the amount of loan I needed. They were trying to qualify me for 280 but it was 180 that I needed. Once we fixed up the price of the loan, it was easy and quick from there. Also, the reps were so helpful and very kind.

Y’all are always really helpful to me, and anytime I have a problem with me making my payment y’all always have a solution. Y’all have always been there to help me in my toughest times, like whenever I’m having money issues and I really appreciate everything y’all have done for me!!!

I spoke with Jamal today and he was so helpful and kind. When I didn't understand my options he took the time to help me to understand them better and make the right choice. We appreciate you guys! Thanks.

The man I talk to was very friendly and nice and he answered my questions efficiently and correctly. He was very helpful And had a very good personality. I was calling about paying my mortgage and getting caught up on that and he helped me do a pre-pay for Friday and we finished up and he was very helpful!

Very polite, very helpful, always helpful when I've called for anything. As long as you pay your payments I'd say you are in good hands. Always seems willing to help with any questions you might have. Would recommend.

Katie has great customer service and the company is great as well. Always willing to help and looking out for their customers. It is a joy to talk to them on the telephone and like I said they are so helpful.

We were asking customer service to process our loan so we could get a written authorization as soon as possible. The manager Jackie stepped in and hunted a check down in the mail room and personally took it to accounting so the loan could be coded and the letter can be sent either by email or faxed. She was super helpful and deserves praise and recognition.

It all went well. It was minimal contact but when I did have a question and called, they were right there and answered my question. But there could be a little more contact to say where we were at. They give you an average time in the beginning but once you turn in the papers, you don't hear and you're wondering what's going on. I also had sent in some papers and got feedback that they needed those papers. I had to do it again. That made things go a few more days later.

Amy was so understanding. Willing to work with me in this tough time. Thank you so much for listening and guiding me in the right direction! This time was tough on my family and you saved us this week.

Had the worst customer service for the first time in 2 plus years I've been with 21st Mortgage. Had a financial hardship arise, which would lead to me immediately contacting them to arrange and request a 1-2 week extension for the first time. I was shocked by the third degree questions and outlandish recommendations made by the representative. I requested to speak to their boss and again was received with the same type of service. Never did I expect this which led to me simply saying bye and hanging up. I never meant to be such a bother to this company. I simply read that if needed customers should contact them in case a problem would arise regarding the need to make a payment arrangement. Recommend staying away from autodraft as they wouldn't allow me to stop it as stated in their Autodraft form.

It was a good experience. The loan originator was very easy to get in contact with. With 21st Mortgage, you can always call and get answers, and they're always willing to help.

I have been dealing with this mortgage for several months now. When they got my account from another company my account was behind. They were rude and disrespectful from the reps to the supervisors, blatantly rude!!!! Today is the first day I spoke with someone that spoke to me with decency and respect! Ryan is amazing and people in this company should take notes from him. It’s so easy to be kind to people and he was exactly that! Thank you Ryan for being human and kind!

The process of 21st Mortgage was good. The rep I worked with was very nice.

I sold my house and called to get payoff. Awesome service. Very helpful and she answered all of my questions. I got accidentally disconnected and she even called me back. Cannot ask for better service.

21st Mortgage helped us get our house. They could probably do the same for others, if they were looking. There are a lot of different things that 21st Mortgage checks for which is good and the reps were there whenever we needed help with anything.

21st Mortgage worked for us. We got what we wanted. Our lead person that we dealt with, John, was excellent and upfront. He was easy to work with and we enjoyed working with him. Even though it had moved out of his hands and went to another unit, he would call and see where it was at. But there were times it appeared to be a little bit disjointed. Occasionally, it seems like the different departments drop the ball. It didn't seem like one department knew what the other one was doing. The paperwork didn't appear to be complicated but a little more internal communication among the various divisions or offices within 21st Mortgage would be good.

21st Mortgage gave me a free look at everything before I even ran my credit. The rep was knowledgeable and very responsive with and of the questions that I had. From the time that I started until the time that I closed, it was about 3 months. The only issue that I had was they hired an appraisal company that sat on it for 2 weeks. Because that appraisal company didn't do their job, we had to go with another appraisal company and I had to put money down that was nonrefundable.

The rep, Grant, was an outstanding gentlemen. He was very detail oriented and covered everything. The few times I have called, he answered the direct calls. I was really impressed. I sent 2 other people to 21st Mortgage because of his professionalism. Overall, the whole experience with the company was outstanding. The only thing that I wasn't happy with was the interest rate is too high. It should be in the 5s. Manufactured homes have higher rates but 7.3 is high and our credit’s not bad.

The process was great. It took 2 weeks tops from start to finish. Kayla who I had as an officer was amazing. She was efficient.

The process took a little longer because of the Corona crap. But besides that, everything went smooth as silk. Any questions I had, I could call them. My loan officer answered all my questions. He told me everything upfront and didn't lie about nothing. So everything went good.

Everything went smooth. The process was easy for the most part. At the very beginning, they had their original list which has about six things in it. I sent them all in but then they needed five more things. But it only delayed things for about three days. In the end, the whole thing took about six to eight weeks, regardless. Their responses are very quick when I call or email. I had a lot of questions here and there for certain things, and Teresa, who was the one I was working with, answered all of it. It was helpful because I was new to all of this.

The whole process was nice. It was handled well. They required some things and I fulfilled it. The process took less than usual because I was very responsive to their needs. They were also very responsive to my responses. My loan officer was very nice and responsive. He was a very, very polite guy. My concerns were effectively handled and I was happy. 21st Mortgage has helped me accomplish one of my goals of ownership of a manufactured home. My experience was good. They are the best to work with.

The person we worked with was Kayla and she was very thorough and professional. She kept me in the loop and answered my questions whenever I had any. It was a very easy and smooth experience. The rate was a little higher than what I expected, but Kayla explained why it was a little bit higher. I really appreciated Kayla, her professionalism, and how easy she was to get in contact with. I work in customer service myself so I'm a little bit hard with customer service, but she really exceeded all my expectations.

The process was kind of long and a little complicated. The long distance made it a little harder. Other than those, the experience with 21st Mortgage was fine.

My payments on our home of 18 years have fallen behind due to a recent divorce. I contacted 21st and spoke with Hannah. It was not a call I looked forward to or was easy to make. Hannah jumped right in trying to come up with other solutions that would allow me to keep our home. I could tell she honestly cared and she was trying different scenarios that might possibly work for me. My heart was warmed by her response. She also gave me 2 other ideas I had not thought of which I appreciated very much. Hannah thank you for caring, thank you for trying and thank you for the new info. God Bless You Kiddo.

There were a couple little hiccups at the end but everything seemed pretty smooth. There were some communication errors between the rep and the mortgage title company but other than that, everything was on time. I would recommend 21st Mortgage if others need a manufactured home loan.

My loan officer was Ryan. He was very helpful and responsive. He was good. In the beginning, my experience was fine. But towards the end, it was not the greatest experience. They did not have accurate information and they were giving me the runaround, telling me that I needed insurance coverage that I did not need. The actual application process was pretty quick. But the whole process took longer than we expected because of the extra things that I was told I needed that I didn't need. 21st Mortgage needs to get their information correct before the whole process begins.

The agent was very nice and took the payment with a confirmation number in quick time. Was very courteous and spoke plainly so I could understand completely. The whole process was made easy because of the knowledge and experience of the agent.

21st Mortgage Corp was good to work with. Trevor, my loan officer, was absolutely fantastic. I was impressed with his ability to communicate promptly and clearly.

Applying with 21st Mortgage wasn't difficult but the communication was terrible. I felt like I had to do the mortgage lending job and get everything to the underwriter. I didn't feel like I had support on that end at all. But the rep was super nice. If I called her, she would call me back. I just felt like I had to initiate the things that she as the lender should have been initiating. A clear communication to the customer would definitely be helpful.

I have not used 21st Mortgage in the past, but I have been dealing with Elise ** in the land and home department. Elise has gone above and beyond in helping me thru this process, and getting things straightened out for the closing. I have dealt with a lot of mortgage companies in the past, and Elise is definitely at the top of the list as far as communication, answering emails and returning phone calls. Without her involvement, I am not sure this whole thing would have went as smoothly as it has. Elise is definitely a five star.

The rep, Kim, was a wonderful person. We did everything via email and he was easy to talk to. He was very clear and concise so it worked out pretty good. They even did my insurance. They gave me all the fees upfront of what it might turn out to be and it turned out to be a few dollars less a month. I'm pretty pleased. In fact, I've recommended my friend to 21st Mortgage.

My first contact with First American was by filling out the information on their website. Then I received a phone call from someone. They gave detailed information and were able to point us in the right direction, who we needed to talk to within the company. We received a preapproval status quickly but an actual approval took maybe a week and a half to finally hear back from somebody.

We did a mobile home mortgage loan with 21st Mortgage. I was a first time homebuyer and I found their application process to be not as hard as I thought it was going to be. The process took 45 minutes with our Realtor. Liberty had a list laid out and every time an action needed to be taken, I would get an email or I would see it on my little account page. It was really good working with Liberty. The information they provide on the website such as the list of things that they accomplished, was pretty straightforward and laid out. It's a very easy process with them.

21st Mortgage was one of the only loaners that did loans for a trailer home. Their rep was on top of most of the work that needed to be done and it went very fast. She communicated through email. Everything went smoothly and the process took three weeks.

I saw 21st Mortgage at one of the manufactured home places from when I was looking at manufactured homes. We went back and forth for me to get all the documents to them, but it was easy. I had one person I talked to, and he was always available. He never not answered his phone and never not responded to an email almost immediately. Somebody in a manufactured home Facebook group was looking for someone to get financing through, and I recommended 21st Mortgage. They made it very easy. I have nothing but positive experience. However, don't be fooled by the mortgage part of it. It's treated like a mortgage but the interest rate is a lot higher. That was a surprise to me. I was looking for a 2-point-something mortgage rate. But that's not any dissatisfaction with 21st Mortgage. That's the kind of loan it is.

I heard about 21st Mortgage from a mutual friend. I just heard that it is a fast and easy process. I went with the biweekly program. 21st Mortgage is an easy company to work with, but it's the paperwork they set beforehand. There was a lot of paperwork due from the seller. They could have asked us from the seller, because they had all the necessary paperwork to begin with. They have the title. They just wanted signatures from the seller, which was unnecessary stuff. Also, the rep communicated with me if I specifically requested it, but she wouldn't contact me other than that.

It was a very good experience with 21st Mortgage. Ryan was superb and everything he did was good. He was easy to get ahold of and he kept me informed. He emailed me or he would call. He was there.

My experience was different for me because it was the first time that I purchased a manufactured home and there were some hoops to jump through that you don't do with a normal stick-build home. But it went well. The rep and his son were awesome. He knew what he was doing. The rate seems a little high, but it's not too high for what it is.

Always very helpful and concerned to make sure I get help with my problems. They've always get me to where I need to be with my payments. They answer every question thoroughly. They're very nice too. I would recommend them.

Friendly customer service. Josh was very professional and clear to understand. He recovered my account immediately without hold time. I've been a customer with the company since 2016 and enjoy my experience with them.

Ryan from 21st Mortgage was great. He answered all the questions I asked. He communicated through email. It was a lot easier for me to just be able to look at my phone instead of keep answering my phone. Everything went better than I anticipated, but some of the things got held up due to my situation. It's the policies that I got frustrated with because I just wanted it done. I wish the rate was a little lower. The term however, got cut by 11 years. It went from a 23-year loan to a 12-year loan. So I was like, "Okay. I'm in." I'm excited about that.

Their help was a great experience. Joseph showed a genuine concern for my situation. And Sam ** was particularly helpful. He didn't try to humiliate me over the phone like the past manager did. Great experience overall.

We refinanced with 21st Mortgage Corporation since they had our loan already. The rep was nice and she worked very well. She explained everything to me and answered all my questions. She was helpful. I already recommended 21st Mortgage to others. They had a good time.

The gentleman was polite, able to help with my situation & answered questions. I was able to complete my task. I didn’t have to stay on phone for a long period of time which was helpful. Everything went well.

I made my mortgage payment by phone. Bailey was very courteous and professional. Paying by phone is so convenient and they do not charge a fee to do so. Would highly recommend 21st Mortgage for your loan needs.

My dad has a mortgage through 21st Mortgage. They are one of the few ones that actually have a home loan. The rep was blunt on the part that she was new with it, but she did a great job. I sent off the same paperwork four times, and 21st Mortgage accepted it four times. And then they were finally like, "Oh, yeah. It's fine," even though I didn’t send anything. But they finally accepted the paperwork after a while. I wanted to be able to talk to somebody directly, instead of having to go through the Realtor. And the Realtor couldn't get ahold of 21st Mortgage. They finally got back to her, and then she had to get back to me. A bit more streamlined would be way easier. We were on a very tight deadline and it was coming down to the wire.

Mr. ** is my assigned representative @ 21st Mortgage who calls me monthly. He's very professional, kind & represents 21st Mortgage Company well. However, 21st Mortgage has done me wrong over the years. My owning a home has been a total disaster. I started out w/ Chase Manhattan Bank & 21st Mortgage took over, my life has been hell every since. My disability is only $1,400 a month. I have to pay $700.00 monthly. I need refinancing ASAP. 21st Mortgage does not care about their customers only whether or not they are going to get their Mortgage Payment for that month!!

The mortgage that we first had was dragging our feet, so we went to 21st Mortgage and we love it. I was comfortable with the reps. I wish the rate could be a bit lower, but I understand that as a mobile home, they only have that 10%.

The rep was easy to get ahold of. Anytime I had a question, I could email him and get a quick response that way. Normally, I get a return call that day. The process took a while, but it's always like that with most mortgage loans. 21st Mortgage ​did a good job and they were easy to work with. I was satisfied with the rates and terms too. For my credit, it was good.

Had a great and speedy process, I was amazed how quickly the loan application went from start to finish! Our loan manager Drew was so wonderful to work with and responded quickly to every call and email! He made the whole process go just great! Thank you again Drew. You the best!

I made the first application on December and we closed on February 4th. The process was very easy and clear. Not one lender speaks Spanish though. Maybe that can be helpful for another person. Still, Teresa, my lender, was very helpful when I need some information. I did everything online and then at the end, a Realtor helped me. I didn't see what they needed and Teresa help me a lot.

Great service, communication, and timeliness....Loved working with this company! I would definitely recommend them to family and friends alike. The entire experience with them was excellent. Thank You for everything!

I spoke to Katie and she was very knowledgeable and set up a flag for extra payment to go to the principal. Ms Katie was friendly and a time to listen and converse. Thank you, Nancy **

Loan officer was calm and clear about what information he needed to process my loan request. The forms were easy to understand. He was prompt in his replies to my questions. When the seller was slow getting paperwork done, he explained without being judgmental. The notary was cheerful, accurate, and efficient.

The communication and what was needed for the underwriters was great. We were very pleased with the customer service throughout process up until we started to question the loan after signing and closing on March 22. Originally when applied we had wrote down it would be for debt consolidation and fix our home to sell. We were expecting money as our loan and not just refinanced. We had 3 days to cancel and we planned on canceling if we were not going to be receiving any money. I emailed Ryan ** on March 23 to see when we would receive a check to make sure everything was still going as we had planned but instead of informing us that we would not be receiving a check, the email just stated funds could be disbursed after March 26.

The process was so efficient and very easy for me to gather all of the information for the loan to be processed. Tyler was so patient with me. No matter how many emails I sent, he always responded in a respectful manner. I really was amazed that it only took 30 days to complete my loan.

I had a great experience with getting my new loan through 21st Mortgage. Chris was really great at responding quickly and helping me through obtaining my first loan. I had a lot of questions as it was my first time buying a home and he answered them all.

Kayla was wonderful and went above and beyond to help me meet deadlines and problem-solve random issues that popped up to get everything completed by deadlines. Communication was clear and I had access to all documents to review immediately.

We were very pleased with our experience with the mortgage department and plan to use them again in the future for our next home purchase, the people were very helpful in helping us figure what paperwork was needed and the submitting documents was very easy.

We had the most wonderful agent, Ryan. He helped us through everything and if I had to email or call him five times a day, he was always there, always responding, and very helpful. We live in a very rural area and with COVID, the title company was very slow at getting things done. I changed my property decision every other day, and Ryan was so patient. 21st Mortgage was just great. They made it possible for a single mother with two children to finally have a home. It was hard to come up with the down payment that I had to come up with, but I did it.

I went into 21st Mortgage online, saw the application, filled that out on there and sent it in. The person I was paired up with had good manners and was quick to help me out and not leave me hanging. I got in touch with Teresa and she helped walk me through the process and kept me on my toes, calling me and making sure, “I need this in and that in. You got to get this done, and that done.” If I had any questions and she didn't have the answer right there, she’d go and find out, and she'd call me back and give me feedback on it. She was good. I enjoyed it. All we had to do is make sure we did our part of getting all the paperwork.

After I was denied a loan application for a repossessed home through Triad Financial, which is another manufactured home company, I did some searching. I saw that 21st was in the top five, so I applied online for the home and got approved. That particular home was in the state of North Dakota, and we're in the state of Texas now. When I spoke to Ryan, who was my loan processor, I loved working with him. He is a great asset to have. I said, "Tell me about what it's going to take. We're not looking at just a lot. We're looking at five acres of land that already has an established manufactured home on it, singlewide.” Ryan said, "As long as it appraises out, it doesn't matter the year, how many acres there are."

We're very happy with the whole service from 21st Mortgage. The underwriting and application took a little while because the assistants weren’t on top of it. But the rep I worked with was wonderful and he was so down-to-earth.

Applying for a first-time homebuyer program with 21st was easy. The process took about three weeks. Communicating with the rep by email was good. Everything went well.

They were able to do things that other companies weren't able to do like to close the mortgage. I've had mortgages in the past and they had a lot of issues with stupid things that didn't make any sense. The only thing I didn't like with 21st Mortgage was it was hard to get in touch with the rep. My interest rate is also high, but I wouldn't have been able to buy the property without them.

I'm a new mortgage loaner with 21st Mortgage. I worked with their rep, Adam, and he was so helpful. My experience has been good but I wish they could lower their rate. Ordinary houses have a lower mortgage at 1% or 2.5% from the bank. 21st Mortgage for mobile or manufactured homes is different. They gave me a 7% rate. I'm paying on time and my second payment is on the 15th.

Brianna was very slow and clear as she explained my options to accomplish what I wanted to do. She allowed me to make the payment over the phone, which she said was no charge, and I just needed to tell her how much of the extra payment I wanted applied to the principal. I'll check my bank in 2-3 days to see if it was withdrawn but it would credit my account today. I also was not clear what Escrow meant everytime I looked at my last month's payment summary id see an amount in escrow. She did very well explaining that part as well.

I did it all online and everything was processed online. We never had to meet in person, which went well. I gave 21st Mortgage all the information they needed and emailed all the copies of papers they needed, and they did with me. It went quick. It went good because I did it myself instead of going through a broker. What impressed me was the rep knew what he was doing, and he was good and quick about getting things done. Whenever I sent him the information, he processed it and would send me back, showing that it was accepted or not. Make sure that you have all your information gathered instead of trying to locate tthem. It seems to go a lot quicker when you have everything.

The process with 21st was good. I uploaded pictures then I sent them all the documents and we were able to do everything online, so it was easy. If I ever had a question or email, the rep got back to me in a fair amount of time. They really knew what they were doing. I would use them and recommend them.

I was very satisfied with 21st Mortgage. We bought a modular home and my wife and I applied with a different competitor but they rejected us because my wife has debt. But then, the sales manager told us that they would be able to go through some other mortgage lenders and be able to get us approved if the first one didn't approve us. They would find us some way of bailing us. They put me on alone and went to 21st. They approved me. Everything went really well, so far.

21st Mortgage has an online application and somebody from there immediately followed up with me. Then, through the process, they were very responsive. It was a very good experience.

21st had the longest mortgage process I've ever been through. It took from November the 14th until February before we closed. I've had mortgages completed within four weeks from the day I contacted my loan officer to the day I signed. The officer I had with 21st was out four different times during the process. When she was out, I'd send her an email and I'd get one back saying, "Well, I'm out until next Friday." Also, compared to the market for normal mortgages, 21st's rate is way too high. We got a decent rate at 7 but the market is at 2%.

There were a lot of questions and back and forth but other than that, the process to obtain a mortgage with 21st went well. There was just a lot of the verification that they needed especially because we're both retired. We also went through the process of trying to get together all the assets that we got. Unfortunately, some of the assets we had weren't considered as collateral. The rep really kept us informed about what was going on. Every time I called, he returned my call if he was busy.

Dustin ** is very rude and disrespectful. His arrogance and ignorance really pissed me off. Questioning my back pay from unemployment as if I was making the whole thing up. Didn’t know a damn thing about what I was talking about as he claimed to. Tried explaining to him how I received back pay but in his mind, I’m lying and back pay doesn’t exist. He just thinks he knows how unemployment works in all states. The way he spoke to me was beyond rude and condescending, I’m shocked at the customer service I received today. The fact that employees can be rude and disrespectful and still keep their job is beyond me. Definitely considering not doing business with them after this. Glad this isn’t my only approval.

I needed assistance with making a change on my account. The csr assigned to me (Jamal) was very friendly and helpful when we spoke today and answered all my questions in a professional, courteous and concise manner.

I like the quote of 21st Mortgage. However, underwriting was a little bit strict. They need to lighten up a little bit on that side. They were a little bit picky on the pictures that they wanted. But I understand they want to make sure everything's fine. The rep I worked with was good. He worked with me pretty well. He explained everything and went through everything step-by-step. Made the process as easy as he could.

It was a very good experience working with them. We text or email a lot. We kept in touch that way. But the application process took longer than usual. They wanted a lot of stuff. It was just hard to get everything together. But they made it easy to get a mortgage. The representative that I worked with was very nice. He got back to me and answered my questions.

My experience with 21st Mortgage Corporation is of the highest quality. They offer low rates, excellent customer relation, leavng no question asked unanswered, easy access to your account, in short, they excel in high standard in all areas of service. Highly recommend them to all.

Everyone was really professional and helpful. They always answered my questions when I called. Got back to me quickly. Overall, it was just a good experience.

The online process was very easy. That was great. The rep Tyler was good as well. He was quick about getting back to email.

For modular homes, it's hard to find somebody that will do the money part. 21st Mortgage was willing to help me and my daughter. We moved in together. It was nice. Their rep was wonderful.

I recently purchased a manufactured home. I paid cash for it, but I wanted to finance some of that. The park where the home is had a list of mortgage companies that did financing for manufactured houses. 21st Mortgage was the company that got back to me the quickest on the list. Once I got the initial paperwork filled out, and I got somebody assigned to my application, everything after that was very not difficult at all because Lindsay was on top of everything. She let me know when there was something I haven't done completely or correctly. She helped me through the process quite a bit because some of the things they asked for are not intuitive. If I didn't understand it, she explained it to me. And we ran into a ton of bumps in the road, but she stuck with me. I couldn't have gotten it done without her. It wasn't a breeze, but I got through it.

21st Mortgage helped me with a loan modification program 5 years ago and during Covid-19 gave us the chance to pay less for several months. Both my wife and myself have lost a substantial loss of income. My wife had been furloughed in March and then laid off in June. I also have not been able to return to work since February 2020. My account manager Tyler ** has always given me great advice along with his coworkers Stephanie ** and Meredith ** have also been so nice and helpful. I wish all banks operated like this. It would be a much better world. I really can’t thank them enough

The application with 21st Mortgage was fine. But the underwriting took a long time, seemed like a lot of back and forth. It took longer than I would have expected. I purchased regular homes before and it was much simpler. But all in all, it went pretty smooth. The rep was also responsive, maybe they could just return phone calls a little bit faster. Other than that, it was pretty decent.

The actual loan officer was very good at what he did. Our credit wasn't perfect. When I first talked with him, I let 21st Mortgage know that. And they just said, “Hey, we work with everybody, and I don't see it being a problem.” And it wasn’t. They were able to get us approved. However, the loan officer wasn’t the fastest getting back to me. I don't expect to get back within three minutes, but over an hour or two? He probably had a lot on his plate. The one time, I called, it was 11 o'clock in the morning, and he emailed me back and said, “I’ll be calling you within a half hour.” He called me back six hours later. I wish he was a bit better at getting back because I felt like I was being ignored. Also, I dealt with a lot of people because there were some issues going on that he didn't understand. He didn’t understand how the taxes worked here in Pennsylvania.

They could improve the amount of time it took to get the process done. It was like three months. I was ready to give up. Everything we had to get done on our end, we produced it fast, but it got dragged out. But I liked the people we dealt with. They were helpful. I'd refer them to somebody.

The way we talked a lot was through phone and text message. We didn't see each other face-to-face. I understand why that happened, but there's a lot of miscommunication, like 21st Mortgage said, "Oh, we need this paperwork." Then we ended up getting that paperwork, but he was like, "Oh, it's not the right one." That kind of hassle was not fun. But the reps were helpful and answered all our questions. They answered a lot of questions. When we did talk to them face-to-face, we found that a lot easier than talking to them through email and text. Also, they're quick. The interest is a little high, but I understand that too, just because the credits that we got weren't what they were looking for. Other than that, it was spot on.

21st Mortgage has been my mortgage company for almost 12 years. They are the only ones that do mobile home lending. The one thing that was weird was when we sent the money in, they misplaced our money. They didn't know where it went, when we did the FedEx next day shipping for overnight money handling. Like, “Did y’all get our money yet?” They were like, “No. We haven't.” “Okay. Well, we sent it in. Here’s the tracking number, it showed it arrived.” And they had to look in our files. But it didn’t automatically pop up. Somebody put it in a different location than what it was.

I originally went online to fill out a mortgage app. I got contacted by a robo email, but no one ever followed up on it. Then I tried to get ahold of that person but that person never called me back. So, I did some more research and I happened to find someone who was advertising here in this area. Once I contacted him, everything went very smoothly. They were very upfront about everything, so knowing and understanding what the expectations are, was easy to follow through them. The terms were fine too. But the interest rate was pretty astronomical.

Go on through covid 19 then going through two hurricanes they were absolutely amazing Helping me get my account current. Thank you Morgan and Lauren. These two ladies go over and beyond to help you and work with you to get what needs to be done doing. They helped out a lot and I really appreciate their help and understanding going through two natural disasters in less than six weeks apart. It was very traumatizing but their willing to help made it so much easier. Thanks so much to these two ladies

The application process was fairly easy, but it took more time than I thought it was gonna take. But that was primarily because I had to get signatures from the seller, and they are in Washington. So that was on me. Other than that, everything went fairly smooth. Every time I sent in a request, my loan officer responded within a day or sooner, and answered all my questions. My experience went well and it was quick.

The overall process was very good. But they could improve some timeliness as far as back and forth with emails that usually they would respond by the end of the day, which then I had to wait for the next morning. But the rep was very good. When she was able to respond, she did. She walked us through everything pretty much clearly.

They were wonderful and Jonathan was so responsive to every question we had and followed up on telephone calls. In this pandemic, it's very hard to get people to do what they're supposed to do and he was great. The process went very smoothly. They contacted us, told us exactly what to do, a lot of e-signing and it was great. Their rate was a little high, but that's okay.

21st Mortgage was fantastic. I originally had started to buy a different home and was going through a different finance company. But they were so frustrating. With 21st Mortgage, they would call and let me know, "We need this. Can you do this?” It was like night and day.

As we all know this past year has been a financial strain on many Americans and our household was no exception especially since we were living on limited income due to the Pandemic. When we realized our budget had been breached due to monthly necessities and commitments we began to panic. Finding ourselves in this situation was very uncomfortable for our family. We were not sure what to do or how to resolve our problem.

Heather & Tasha especially Heather has been extremely kind and understanding in the wake of my illness in the past 3 months. I don't think I would have been able to keep my house if Heather had not been extremely compassionate and kind enough to help me get caught up. I appreciate with all my heart everything Heather, Tasha, and the entire 21 Mortgage have done for me. You have a major winner in customer services agents with these two!

I had a good experience with them. They've treated me with respect. They notified me of any changes that were going to occur. I was highly satisfied with them.

Drew is a good loan officer to work with. He was wonderful, kind and patient and very thorough. But the rates could have been a little bit lower.

So far 21st Mortgage has been great. No wait times on phone calls and answers all my question clearly. They also take their time on calls to make sure everything was taken care of, which seems rare nowadays.

I found the application and underwriting process a little time-consuming because they asked for quite a bit. Then, it was just back and forth without having clear clarification with the loan, trying to be able to talk to me about stuff. They didn’t call until I started calling them like crazy. But when we spoke, the rep was really friendly and nice. I just didn’t like that I had to be the one to reach out half the time to get it done. Other than that, it went well.

I sent out an email saying that they were asking for more information, but the information was already there. We printed out everything we needed and everything we could get from our ability, and it was still wrong. We didn't know exactly what they needed to complete the mortgage. As far as the application, it was easy and self-explanatory, especially for me. I would definitely recommend them. They responded to the email. That was very honorable of them and they tried to work with me a little bit so I could understand what was going on.

They were pretty responsive.

Her patience and understanding are some of the best I’ve ever experienced in customer service. I don’t think I could ever ask for someone better to help me with my mortgage. She definitely deserves a raise.

Evan and Ashley at 21st Mortgage are friendly, upbeat and efficient. They covered every detail of what I needed to do. I have my mortgage and car insurance with them. They are always kind and helpful.

Wonderful staff at 21st Mortgage company. Monica and Alex were very helpful. Would recommend 21st Mortgage to all of my friends and family. Very pleased. If you're ready to purchase a home give 21st Mortgage Company.

I was looking at a mobile home and they gave me a suggestion of where to go because their mobile home loan vendors were really hard to find. I found out about 21st Mortgage and when I applied with them, the process was a little odd for me. The closing was delayed a lot because apparently, 21st had to have paper in our hands. They wouldn't accept DocuSigns and what really held me up was the owner was in Ireland, so they had to send the papers to her to sign to send back, then they had to send it to 21st.

Has really worked with me on this hard year. Has completely been understanding when I had Covid. They helped me with 4 months. The people on the phone never get angry and very patient with me. I am very grateful.

The application process took about a couple of days and the overall including the appraisal took about six weeks. Maybe they should speed it up just a little bit. But they always responded immediately after I called them. They were very cooperative. The rep would call me in the morning and explain what had to be done, and then a document had to be obtained. Then by the afternoon, we would talk again. I was very pleased with the results and the process went very smoothly. Overall, I was very happy.

Excellent Customer Service from Jamal. He took care of my question and resolved it with speed and professionalism. He suggested a resolve for an extra payment that I had sent in and answered all my questions. Thank you, Jamal.

I was purchasing a single wide, manufactured home and applying for a loan was easy, but making an easier setup for auto pay online would be nice too. The rep also seemed to be responsive, but he was sometimes a little unresponsive, especially to my Realtors.

Sam ** was really helpful and very polite. I have dealt with people before about help with my account and they have been very rude and do not care about helping you, just only wanted to get money. Sam was very helpful of going over my options and understanding with my situation. Hire more people like him.

After a little research, we found that 21st was the largest manufactured home lender and it worked for us. The application process was very smooth. It was almost effortless. The portal worked very well too. They just sent and told us what they needed. We scanned the stuff in and sent it back. The next day or so, we'd see a little check mark that said, “Complete,” and we moved on to the next step. We made the offer on the place we looked at on Christmas Eve and in the middle of February, we were moved in. I don't know anything they could do better unless they want to lower my interest rate.

Thank you so much to my account manager, Savannah, and her supervisor for assisting us during a difficult financial transition that has affected our payments. They have been so gracious in allowing us time to get things back in order. Thank you 21st.

21st got back to me quicker than anybody else did and things seemed to go easily. It was self-explanatory and the rep was good, helpful, and easy to get ahold of. Their rate was also not too far off, higher or lower.

I was really impressed. Once I went in and set everything up, getting all my required documentation into the system was very easy to understand. The gentleman who assisted us with the account was very quick to respond too. If I emailed him, I had an email back within a few hours. The loan was pushed through rather quick. We got everything done within less than three weeks. People can get it done a lot quicker when they have all of their documents prepared and ready to go.

Grant was helpful. He pointed me in the right direction with anything that I needed. The process went smoothly.

I spoke with Brianna ** and Candace ** today on why I was unable to make my on time payment, I explained to them the situation with the unexpected freeze that occurred. It unfortunately caused our water well to freeze over and break, I had to pay repair cost of $800 just to fix it. I'm so thankful to Candace and Brianna for listening and understanding, it was truly a stress relief to speak with as I was stressing any avenue to come up with funds. They were able to provided me with a solution that satisfied us both and I will now be able to focus back on my work and enjoy my weekend with my family without stress. Could not thank them enough for the service they provided me!

Every interaction with 21st has been pleasant. Each representative I’ve spoke with has been so friendly and beyond understanding when we were impacted with COVID-19. I appreciate the kindness and extent of knowledge each time I call.

Lindsey was very professional and so friendly! Everyone we speak with are always so friendly!!! We've been doing business with 21st Mortgage for over 20 years! We highly recommend them for your mortgage needs!

Their application process was very straightforward. They told me all along the way what I needed and where I was. The rep was very polite and helpful. The interest rate was way too high though. But 21st was very professional and very prompt.

The young lady was very helpful and made my transaction a lot easier. Thank you. I would like to refinance if possible to lower payments and cash out for upgrades to our home. We need a handicap ramp for disability wheel-chair.

This company has wonderful employees. They listen to your needs and either find a way to fix it or help get what you need. Very wonderful experience. Highly recommend this company and highly praise them.

Excellent customer service experience, the rep was very polite and helpful. I would recommend them to anyone looking for a great mortgage company to finance a home. They are willing to work with you if needed as well.

The company has been very good working with me on my claim from the freeze that affected my house. He was timely and prompt to arrive and assess the situation. He was very thorough in his assessment. I would highly recommend to friends and family.

I was buying against a mobile home and most lenders don't lend on mobile homes, but 21st Mortgage was able to help me out. The property that I bought was in Florida and because of COVID and all that stuff, it hindered the process from being as smooth as it could have been. But 21st Mortgage was very professional and they stayed on top of it. They didn't disqualify us from what we had initially set out to do. They're a good company. The whole process took about 45 days. They handled it very well and they did what I needed. They're perfect. Their rep was very patient and he was excellent at his job.

The process was kind of messy. There were a lot of issues and a lot of things 21st needed from me and the seller. The seller was in Texas and she was a very nervous seller, which made it difficult for everybody. She wanted verification of all kinds of things and wasn't sure about how and why 21st needed things. It could have been easier, but I don't think it was 21st's fault. Also, I was really irritated with the rep I worked with. He kept telling me what my house payment was and in the end, I find out that he wasn't including my escrow account and my house payment was $195 higher than what he kept telling me. That made me mad. I wasn't very happy.

Bailey knows what he's talking about. He use great customer service. He gives good information. He's always cheerful and happy and a pleasure to talk to. Could not ask for a better financial agent. He is always set a pleasure to deal with.

Sam ** and Ryan ** are professional and an asset to this company. I appreciate what they do for me. I feel valued as a customer. I do recommend this Mortgage Company. Thank you for your service, it is my pleasure to do business with you.

The application process was lengthy and cumbersome. The rates were also a little high. But it's not a standard mortgage. It's a little different, so they're a little higher than I'd like them to be. The website was clunky. Once I've made a submission of a file, I couldn't resubmit anything else under that same task, until somebody reviewed it. So, that delayed the process as well. If we're allowed to submit more than one file onto the task, that would help. But after we got through all those hurdles, we didn't have a problem at that point.

The rep I worked with was great. When I had any questions, she was pretty quick at getting back to me. My experience with 21st was pretty easy for my first time.

I would like to say that Chloe ** conducts herself in a Excellent professional demeanor. Easy to work with, always has an upbeat attitude, and gives you excellent customer service. If I owned a business I would definitely employ her in my office!!!!

Every time I was supposed to close on the loan, the reps would say they don't have my paperwork yet and then turn around and postpone it. They postponed it four times. Adam, the rep I worked with, was all right until all of a sudden, he didn’t know anything. We were turning over when we were at the closing date and we couldn't get anybody to contact. I’m not happy. They can be more communicative. I don't do emails and they want everything done by email. I could not talk to anybody on the telephone. I would expect them to pick up the phone but I need to go to an automated system and then they never return the phone call. If I could find somebody else to refinance with, I would refinance with them because 21st Mortgage's interest rate is at 8% and that's ridiculous.

The entire process was stressful for the most part. For a little bit, it felt like nobody really wanted to work with me and help me. I was frustrated for a couple of weeks. I didn't hear anything and they kept telling me I needed something but didn't describe to me what it was. I had to call three or four times within a week just to find out what it was exactly, to find out that I had already sent it to them. Lindsay, the rep I worked with, didn't get it sent to where it needed to go so they didn't notice that they had it. It extended my process for a couple of weeks.

Thank y’all so much for working with me and my husband. It is greatly appreciated and y’all are doing an awesome job!! Jessica and Liz I think that’s her name. Y’all have be a great help to me and my family????

Tasha and Tyler were the two agents who assisted me today. Tyler calls anytime payments are late. Late or later than usual. I've spoken with Tasha only once. Today being that occasion. We come to terms and both parties are happy with what was agreed upon by both parties. Thankful I am.

I love Ryan who works at 21st. I dealt with him and he was wonderful. I really enjoyed talking to him. He was a very polite person. The only thing I didn't like was that the interest rate is higher than buying a house. Other than that, I would definitely recommend them to other people.

Anite was extremely helpful during what has been a sad and stressful time for my family. We are trying to help my father who is hospitalized and not doing well. Because of this, we were in need of some information that I had recently realized that 21st Mortgage might have. Anite was absolutely wonderful at listening to my issue, understanding my needs, and finding the info I was seeking. Unfortunately, the documents we needed were not embedded in the info, however, that is not my point. The fact that Anite helped me in my time of need, and she did it with such professionalism and humanity, needs to be acknowledged and honored. Thank you, Anite, for all your help. You are appreciated.

I'm used to other people doing everything for me, but COVID forced things underground. I got online, did the application by myself and it was very easy and intuitive. It led me through the steps and that helped me out a lot. The process was very easy and clicked along. I’m happy about it. This was also around Christmas time, so my guy was out of the office at times, but there were no surprises. I always knew in advance when he was going to be out of the office. He was cool and the process was quicker than I expected. It went fast enough to where the house was sold and the previous owners were still in it looking for another place while I was still in another place for a month.

The application with 21st Mortgage was good, easy and fast. My loan officer she works very fast. When I send the documents, she responds very fast.

My son used to be in the mortgage business for a number of years, and he helped me select 21st. He knows more than I do and I took his advice. I got a modular home and we are very pleased to find that they lent money for this type of investment. Quite often, my son was on the phone with me. He asked the appropriate questions and he helped walk it through me. Between my son and their agent, things went very smooth. It was also within our time frame, so there was never a deadline that they didn't meet.

The process was from the beginning of September to the end of December and it was very time consuming. There were lots of doing things myself and figuring things out. It was very hands off on the other guy’s part. Especially as a new buyer, I had no direction. It was just a text. I need this, this and this, and no explanation of what those were for someone that has no idea. I would have thought there would be a little more hands on explanation of what exactly 21st was looking for. I was like, “This is what I think you want.” “No, no, no. We need this instead.” They could have just said that instead.

I was originally going to buy a new mobile home, and 21st approved me right away. When I started looking again, I decided I wanted to use one and I went to them because they approved me so fast. The interest rate was a little high, but that's okay. I'll pay it off early. The reps were all great too. Everybody was very helpful and nice.

When, I tell you Elise has been amazing with helping Me Do everything I need to do to have a closing Date soon as Possible, She has been my guardian Angel bc I have had some bumps in the road but soon as she got assign to me Everything Has been great, It was a pleasure working With her. Y'all are the Greatest, She was kind, honest and work quickly.. Thanks Debra **.

I wasn't too joyful about 21st Mortgage's interest rate but my house was a manufactured home that was moved from one foundation to another, and they are the only ones to accept a loan on it. Everyone was pretty responsive when I was going through everything and they follow through. I got my house, and I was happy. My brother was also buying a house, and I was buying his house, but his sale depended on mine. So, I'm really pushing by calling every day like, "Hey, what status? How is it gonna happen?" So, it should be really quick for me, and it took pretty much as fast as it possibly could.

Try 21st and get a home with them. In three weeks, I closed and the process was very easy. Service is okay too. The reps were good and reliable.

21st Mortgage finances double-wides. The application took a little while, but it was okay. They explained everything and they were always there if I had questions.

Drew was excellent. He let me know everything that I needed straight up. The only thing I didn't care for was it was like one person didn't know what the other one was doing. I sort of had to wait a couple of days and the closing date had to change. I didn't like that. But they were very apologetic.