21st Mortgage Corporation Reviews

An ad of 21st Mortgage showed up on the website that I was looking at for manufactured homes in my area. Their logo was pretty so I called them. Karen, the loan processor that I worked with, was awesome. 21st Mortgage sent me a packet of documents and different things that they needed and I emailed these back to Karen. She was right on top of everything and walked me right through everything that I needed to do. She got right back to me. If she didn’t answer her phone right away, which she normally did, she called me back. If I emailed her, she would email me back within two or three minutes. It was amazing.

I needed a mortgage to get a mobile home and 21st Mortgage was the first name that came up when I was searching for lenders on the internet. Their application and underwriting were standard and got completed for me in a couple of weeks. Justin was the loan officer who I dealt with and he was really good to work with. He was very prompt and he answered all the questions almost immediately. He was good through the entire process.

Working with 21st Mortgage was straightforward and everything seems to be going as expected. I was lucky and there wasn't a lot I had to do. I'm looking forward to having to move in a good direction.

The process of getting a mortgage from 21st Mortgage Corporation was easy and quick. Most of the stuff went through email and the rep was quick with her response. She was also helpful and patient. Everything went fine and I didn't have any issues with them.

I wanted to buy another property and 21st Mortgage Corporation was the only company that would finance the mobile home that I wanted. I called them and they took the application over the phone. I’m self-employed and proving my income wasn’t that bad. They made it easy. The property that I purchased was in the hands of a guardian though and he stalled the process for about six months. It wasn’t the mortgage company’s fault. 21st Mortgage Corporation was ready almost immediately. 21st was also very considerate and the rep that I dealt with was a nice gentleman and he was very helpful. It was a very good experience.

I needed a mortgage to purchase a used home and I went with 21st Mortgage Corporation. We did the process in-between Thanksgiving, Christmas and New Year, so it took a little longer than I wanted but that was just off holiday time. It was a reasonable time. It was all done over the phone and the internet and I was very pleased. The online application process was okay considering that I was not there face-to-face. Sometimes, I had to leave messages for the rep and she was responsive. For my credit score of 810 though, which is damn good, I could have gotten a better rate but my hands were tied and there were not many people that finance that kind of thing. Other than that, everything was great and I would recommend 21st Mortgage Corporation.

I bought a mobile home and needed a mortgage. I applied online for a mortgage with 21st Mortgage and the application process went very smoothly. I worked with the rep, Carl, and he was very good. The whole lending process took two months and I was very satisfied. I was able to get a mortgage from 21st Mortgage and I was very happy with them. It was a good experience and I would recommend them.

The process in general can be improved. When we got asked for a certain type of paperwork like paycheck stubs, I would ask mom for her side of paperwork and I would send my side of the paperwork. They would get checked off on the list but then they would ask us for the same thing two weeks later. They would approve my mom's and check it off but with mine, they would say they still needed something. But I had sent it to them with the same information they approved for my mother. Why did hers get approved and mine didn’t? And it's an email. I can understand if it was a paperwork faxed in and they missed that faxed sheet. They threw it into the shredder or it fell under the desk.

Kaylee **, received my request for a copy of my payment history. Within an hour or two I had the requested information in hand. Bravo, to your company for hiring such industrious and prompt employees, and kudos to Kaylee **, for being such a good and fast worker. I have a complete record of my requested payment history. You made my day a whole lot less stressful. And similar Kudos to Spencer, who instructed me as to how to format my email request, for authorization to release information. Thank you, so very much!!!

My other company doesn’t take credit for mobile homes, while 21st Mortgage's interest rate is good for the credit. It took one month to get my loan though, which was a long time. All in all, it was a good experience.

I refinanced recently with 21st Mortgage, so I can buy my own house. We had to prepare the closing documents, take some pictures of the property, make sure everything is still the way that it is supposed to be, and have the closing down payment. We conversed with the loan officer mainly through email and he sent me updates every single day nonstop. I knew the progress that we were at and what was going on, so it was really helpful. Even on the days that there were no new updates, I still received an email saying what else they needed as far as paperwork goes, what was going on, and what was being looked at. He was very good.

I was tired of paying rent which prompted me to look into a mortgage. Initially, I was working with another company and it took 8 months with no results. It was a bad experience. I was then referred to 21st Mortgage. I submitted an application to them and it all went quickly. 21st told me how much I would be approved for. I initially wanted more and a new home but they didn’t approve me for that amount so I went with a used home for the smaller amount. They stayed in contact and it was less hassle. The loan officer I worked with was very easy to reach. If I wasn’t able to get her, she would always call right back within regular time and it was never a long wait. She always responds to my emails and she was very efficient. It was an overall pleasant experience like it should be. I would recommend 21st Mortgage. It is the company that people should look into.

I was already tired from paying rent too much so I looked into a mortgage and the agent gave me 21st Mortgage. Everything that they did was all nice. They helped me out with a lot of things, trying to find me a good place and a house. Also, it was pretty great and pretty helpful with the officer. The thing that I didn't like is they took a long time to process everything. But I understand that there were some papers that I was supposed to sign in and they couldn't get it ready. Other than that, everything was pretty good. I will recommend 21st Mortgage.

I needed a place to live but I have pets and rental was not an option, so I looked into getting a mortgage. There are not too many companies that do mortgage on mobile homes, and 21st Mortgage was the first one that I found that was willing to do that. The application was really easy. I submitted my documents and in less than 30 days, I was approved on everything. However, the problem started after that. We were approved in August and the closing should have been done in October, but we had to wait before we closed in December.

21st Mortgage Corporation was responsive. I was purchasing a manufactured home and the other lenders didn't get back to me. 21st Mortgage, on the other hand, responded and was approved by the community that I live in. Initially, they denied me though. I got tons of mortgages deny me because they said my score wasn’t enough. But there’s nothing in the rules that said they had a minimum. How the hell was I supposed to know that? They said they mailed it to me but they didn’t mail me anything.

21st customer service is terrible. Yes I have been late but that gives you no reason to talk to you any kind of way. They told me they're holding my insurance check because I’m late paying my mortgage and I have busted windows and bullet holes in my home from a drive by shooting. They suck. I will report to the BBB!!! No matter if I’m late or not they get the money!!! TERRIBLE TERRIBLE HORRIBLE CUSTOMER SERVICE!! NO RESPECT. RUDE!! EVERYONE DUE TO RESPECT!

I have a previous loan with 21st Mortgage and they did a wonderful job. I bought a mobile home and used them again. I wasn't very knowledgeable about getting the loan and I have only done one before so the loan officer walked me through the process, helped me do what I needed to do and babied me all the way through. I was impressed with his professionalism and he was wonderful. He would email and call and was always available if I called him.

My bank wouldn't take on the mortgage I needed for my manufactured home so I checked with other people and found 21st Mortgage. The process with 21st was very easy, except that I'm used to seeing people face-to-face, so that made it very difficult. I also needed certain things with the manufactured home that I had to wait and get, so the whole process took a while.

Excellent people. Excellent service. Very happy. Went above and beyond to make me happy and comfortable. I would recommend them to others and if needed, use them in the future. They were very thorough and detailed. They answered all my questions and was patient with me.

I called 21st Mortgage and told them that I wanted to finance a house. They then started emailing the paperwork and the application process was really simple. The rep whom I worked with was really fast to answer. She did a really good job.

I was looking at buying a tiny house and was checking how it could be financed and who could finance it. One way was I could get an RV loan since it's on wheels but the house was too small to be a mobile home mortgage so 21st Mortgage created the pilot program to offer tiny house mortgages. Getting the mortgage was very complicated and it was quite a pain. First, I have multiple jobs and that created confusion in regards to if I even qualified for the mortgage.

I had the greatest experience with a very professional employee. Drew **. He is a great asset to the company 21st Mortgage. It’s hard to find someone anymore that is so devoted, educated and professional these days. He was always available to answer any questions I had and if not he would call me back or email me with an answer. He’s was always there if I needed to ask him anything about the paperwork. He is very compassionate and dedicated to his job and your company.

We got a manufactured home loan with 21st Mortgage when we purchased the mobile home. 21st Mortgage was recommended by our dealer. We could have gone several different directions but because the previous owner of the building financed it through 21st, it was convenient for us as they had all the information already on file. Their application process though was cumbersome. The reps kept coming for information which I gave and then they came back with something else. I thought it was silly.

21st Mortgage is one of the few that offers trailer mortgages and the first one that answered. I applied for the conventional loan, they sent me the paperwork, what they wanted, and I sent them back everything on that list. From there, it was just signing paperwork. The application and underwriting process took me a month. The rep and I interacted through email and he was good at emailing back. It was a straightforward experience with 21st Mortgage.

Drew ** was fantastic. He answered all of our questions in a timely manner and let us know everything we needed to do to move the loan process as quickly as possible. Things slowed down a bit during the Christmas holiday but that was to be expected. We are moved and settled into our new home.

Very slow communication, received wrong material, did not receive paperwork for the home that I purchased. I had to call and request it, just very slow response time to everything and not very well organized. I have had to call many times just to get the paperwork that should have been sent to me.

I am a first time manufactured home buyer, and the sale was a private sale with no agent so I had a lot of questions, which was all answered by John **. He was extremely helpful and patient with me because I had no idea what I was doing. He made the loan process easy for me when all other aspects of buying a manufactured home was difficult. I would definitely recommend to a friend who was buying a home.

Would never recommend them to anyone, they are rude & disrespectful... They seem to think life doesn't happen to anyone, they don't care about anything but the money, I've been late on payments but never missed & they treated me like straight garbage...

I was renting and my landlord asked me if I would be interested in buying the place. I decided to get a mortgage and my landlord had always dealt with 21st Mortgage. He said that's who I should go with and I trusted him and we went with that. The application and underwriting process took 45 minutes. There was a couple of signatures that my wife had to put down and they went out of their way and followed me to her work, so she could sign them. I was really impressed with that. I would recommend them to anybody. Working with them helped me get my first mortgage. It helped me get my first house.

I cannot say enough about the great job that Joe ** of 21st Mortgage did for me when I was purchasing my home. I applied for my mortgage December 12th and I was funded Jan 15th! 33 DAYS! And that included a weeks vacation for the holidays! Joe was always available to me despite being two hours ahead in his timezone (compared to my PST). He answered a plethora of questions for me. Patiently, with kindness and professionalism! I will be recommending 21st Mortgage and Joe ** to everyone I know that is looking to purchase! If I don't know you? I will still HIGHLY RECOMMEND working with Joe and 21st! Thank you again, Joe, for everything you did for me!

21st Mortgage's application process was fairly easy. We were buying a home outright and we took out a mortgage from them. They gave me a list of the documents on what I needed and I provided it. The application and underwriting process took about 45 days. Joy was our loan officer and she was good. She answered when I called, and the time where she didn’t answer, she called me back in a very timely fashion. If she didn't know the answer to any question I had, she got the answer and got right back with me. I was very comfortable working with her.

I was buying a house trailer and I'm overall satisfied with 21st Mortgage. But it seemed like I had to do the straightforward thing with getting a lot of stuff that I needed when I needed it. They couldn't explain or it was like my contact wasn’t direct to the underwriter. It was in between and it was really a waste of time. It would have been better if you just talked to somebody directly instead of going in between somebody all the time. I don’t think he was as knowledgeable as he thought he was either. I asked him several things and he would say it wouldn't work but then he would come back and say it was okay. Then I would ask him about something else and he would say it would be great but then he would come back and it wasn’t. If I had to do it over again, I’d try to talk to the underwriter directly if at all possible.

I was refinancing and I found that 21st Mortgage has good reviews online. Their application process was done online and a gentleman named Drew helped me. The way he did it was very impressive from start to finish. He seemed to be on it. If I would call through and leave a voice mail, he’d call me back within about 20 minutes. He said he would send me the forms, and a couple of hours later, I had them. He just emailed everything over then I printed it out and sent it all back. He was very informative throughout the whole process. There weren't any shockers towards the end. Overall, the process was very painless. It took a little more than two weeks and it was easier than doing a mortgage through a bank face-to-face.

We gave 21st Mortgage a try and they were very good to work with. They were a responsive company. During the application and underwriting process, we contacted the loan officer and if there was an email or phone call, she would respond in less than a day. The whole paperwork that we had to do took less than a week. The loan officer was very understanding in trying to reach our loan amount, what expectations to get and tried to be realistic. She was very helpful in every step of the process and helped us get the loan. Overall, I was very satisfied with the help from 21st Mortgage.

We were looking into a mortgage to refinance some things and do some home improvement. There weren't a lot of options because we're in a manufacturer's home. We went with 21st Mortgage and the application process was very easy. We had a very good person that we worked with, Adam, and he was a huge help to us. We talked to him, and he explained the process to us and helped us every step of the way. He was very quick to answer emails. There were several times that he was out of the office for extended times because I was kind of in a hurry. But when he was in the office, he was right on the spot getting me answers. He was really personable, and he seemed to really care about us and about our going to the process. He was a really excellent representative for the company.

After many attempts to register online to be able to pay electronically, I was unable to register for whatever reason. This went on for years, no kidding. I’ve never missed a payment, and have been paying via the coupon booklet through the USPS. Up until recently, my payments have made it there on time. For the past three months, my payments have been mysteriously taking up to two weeks to arrive, resulting in phone calls seeking payment. When I asked for help with registering for online payments, I was told that there had been other customers who experienced online issues, but the collection of payment was, understandably, more important than helping me to register so that I can make payments easily and timely. When I asked if someone could help me, my request was ignored.

I have tried to set up direct payments from my payroll 2 times a month. Full payments to pay off earlier and I am told that I cannot do that because I have been late on payments. My belief is that they get the payments early and ahead of time and they should want that, but they refuse to take my payments this way and talk to me as if I am stupid and they are better than I am. The Tennessee branch is so disrespectful they won’t even send me a copy of my loan or insurance agreement. I would never recommend them to anyone. After all I am a customer to them and make over 50k a year so I am not that important to them.

I was financing a double wide, and 21st Mortgage was pretty much the only ones that would finance me. Obtaining the mortgage was very easy. I was working with Justin who helped out tremendously. The application and underwriting process took a while, but it was mainly because I was in the businesses of getting the information back to them as far as emails. It took longer than it should have from my end to get the amount of paperwork they needed. The loan officer was always updating with emails as far as what the process was, and what was required. If there was anything else, then he would give me a call to make sure that I was aware of the situation. It was mainly through email, but he made it simple and easy, and he kept everything good. The rate could have been a little bit lower, but that was expected.

I was looking to buy a modular home and my agent pretty much handled everything for me. 21st was the mortgage company they chose and we went from there. However, we had to do the process three times on Pacific Homes. The home wasn't registered ever and the taxes weren't paid on it so this was a very drawn out process. 21st Mortgage could have got the amounts and the paperwork right. But once Pacific got all their ducks in a row, 21st Mortgage came in on time, on the spot, and was ready to go. More communication would be a lot better with 21st. I got no return calls from the loan officer that was handling my loan. I got down to where payment was due, I had to call another person in the company to find out what the status of my coupons was. But they did fine and I would recommend them.

I went to go buy a mobile home over the park and the loan process with 21st Mortgage went really smoothly. It was a nice, easy thing. Joe called me and welcomed me. He was very polite and nice. I was at work so it was a short conversation and since then, our communication was through emails. So it was all good. They did things quite well and I appreciated it. It was perfect.

21st Mortgage Corporation kept me updated on each step of the process and I still received the emails even in the areas that were the owner's or the real estate company's responsibility, so I knew what was going on. They kept me apprised of everything and did more than I expected. I talked to the loan officer once or twice, but most of the interaction was through emails. When I had a question, just to clarify what I was reading through the emails, he was very explicit and very detailed, and he answered my concerns. The only thing that I was disappointed at was the high-interest rate, although it wasn't on 21st. The real estate agent explained that it was an old or used mobile home and their interest rate is higher usually for that. Still, I was okay with that because I had good credits. I would definitely recommend 21st and I've already recommended them to someone who's also looking for a mobile home.

I went on a website to buy a house and it said, “Look for a lender”, and 21st Mortgage Corporation was on that website. Obtaining my mortgage was easy. I filled out the preliminary stuff or what they told me to online. Then, it said that I was approved and that an agent would contact me. Havana from Solid Source Realty contacted me and the application and underwriting process took about a month. The interaction with my loan officer, Nicki, was good. However, I found out that the people who own the land that my house is on got a little pissed off because they said that if any consumer goes on the Zillow website and sees a house, they have told 21st Mortgage so many times to refer the consumer back to them instead of taking the application.

I needed a mortgage then somebody suggested 21st and that was who I went with. The process was good. They were fast, very professional, and polite. The process took 90 days because of the Canadians. A lot of documents had to come back and forth. The only thing was that the rate sucked. 21st could have given me a better rate with all that down payment money. I thought by putting down 45%, it would buy the rate down, however, it didn't move the rate at all. Who puts down 45% and still gets cleaved at 11%? I’m not going the distance with them at that rate. I’m refinancing my mortgage with the Credit Union for probably a third of that. We’re gonna unload them as soon as I can get back home. But they were great and they got it done.

21st Mortgage had an application online and everything went smoothly as far as that went. But after all the paperwork was sent in, they did an assessment of the home, which I thought they should have done it first. If the home was not worth what I needed for the mortgage and my application was denied after going through all that, it would've been a lot of wasted time. The person I dealt with was very nice, helpful and responded quickly to any questions I had. However, the process also took a bit more time than it should have. We started in September and didn’t finish up until just before Thanksgiving. I figured it should’ve been about two weeks shorter than it was. When I sent in my application, they said I was approved. They told me all the stuff I needed to do, I started doing it, but I didn’t have the forms. Then all of a sudden, they sent me a packet with the forms in it. I had to go back, do all that and send it to them.

We were looking for a mortgage to buy our first place and 21st Mortgage was one of the only places that would finance a mobile home. The application was fairly easy. We started at about the beginning of October, and we ended up signing on October 31st. The only problem was the time difference. We live in Utah and they are based in Tennessee, so it felt like a two-hour time difference.

We were purchasing a mobile home and we were directed by the broker to get a mortgage. We took out a loan with 21st Mortgage. The broker advised us to take 21st Mortgage, and they're in the business of financing mobile homes. The lenders are limited when it comes to financing mobile homes. 21st Mortgage was one of those financial institutions that offers a mobile home loan. We filled out an application and sent it in with the broker's help. They contacted us and threw us stipulations, proof of income, proof of residence, and proof of credit. They ran the credit report. Then, they advised us that the loan was approved. The application and underwriting process took two days. It was very quick. The loan officer that was involved was very good, very helpful and very efficient, and I couldn't ask for more. 21st Mortgage's service is excellent. Go for it.

The gentleman who was selling the double-wide that I bought had his mortgage through 21st Century, so it just made sense for me to go through them too. Their application process was very easy. They did their part in a timely manner and they were ready within two weeks. Drew, the loan officer that I've worked with, was right on top. He checked with me every couple of days. It took us about 45 days to close but that was because on my part.

My wife is suffering from cancer so our money flow is a little low. We thought it was good that 21st Mortgage, even though the percentage rate was up there, allowed us to borrow money during a hard time. We are now living in Florida, and we found the spot and 21st allowed us to do it. The gentleman that we talked to worked with us very well and did what we asked for. It's very hard to get anyone to do anything fast, and he did it as fast as he could. They told us what date it probably would happen and it was before that. The trouble here in Florida is that places move so quickly that if you look at a place and someone else is looking at it also, they don't care if you got money down or not. It's very good to have a mortgage company that works quickly.

I was purchasing a home and 21st Mortgage is one of the few companies that did financing for mobile homes. These guys also had a really good customer service rating online from different websites. My interest rate is really high though, and there were other mortgage companies that would have given me a much lower interest rate because I have a really high credit score. However, the other companies do not have a high rating for customer service and that was important to me. But the interest rate was the only thing that could have been better. But other than that, everything was great.

21st Mortgage had the loan over my trailer. And when I went to get it refinanced, I just went with them again. The application was fine. Our original loan officer, Scott, was great. The underwriting process was a bit of a disaster though. There were a lot of pieces of information that we had already sent in and the underwriter just didn’t look. Then they would get back with Scott and tell him, “Hey, we need this information.” We would have to reply that we’ve already sent the information, and Scott would say, “Oh, I see it. I see it here. They didn’t just see it for some reason.” So, there was a lot of back and forth. Also, there were issues with the employment history. For some reason, the underwriter couldn’t understand there was no employment during the time of a layoff period here a couple years back. The biggest headache would be his verifying all the information with the underwriter because of the lack of attention to detail.

I didn't have the money to pay cash and 21st Mortgage was the only company I could find that would deal with trailers. The application process for the loan was fine although we had a lot of delays on our side with different things and going back with them, with the sellers, and different things with the property. We had the process for about 4 months but it was not because of 21st Mortgage. I worked with Jonathan and if I called and he wasn't there, he always called me back. Overall, my experience was fine and I'd recommend them as far as the service and rates.

Our house was paid for so we borrowed on the equity, and we got a mortgage so we could do some home improvements. The application was a long process. It took 2 months but I waited a few weeks before I started the process because we were trying to make sure that it was what we really wanted to do. The rep who helped us was great. He was always right on top of everything and was always answering immediately any question I had once I figured out the time difference. We were really comfortable working with him. We had a good experience. 21st Mortgage Corporation is doing a great job and I would recommend them.

We moved into a better house and without 21st Mortgage, we probably wouldn't have gotten here. We had to submit stuff over and over but they were different pay stubs. It wasn't too terrible. In fact, everything seemed smooth and the application and underwriting process was pretty quick. From the time we started looking at the place to the time we moved in, it was about two months. There was also enough contact and everything was good. We were first-time home buyers but we had tried to buy a home through another mortgage company and it was awful. This was a breath of fresh air compared to that.

The financial situation we were in pushed me into getting a mortgage and while most of the providers want newly built homes, 21st Mortgage approves for manufactured ones. I went with them for a long-term loan but it took a long time to get it processed which was almost 60 days from start to finish. Getting all the information together and getting it transferred to my loan coordinator was touch and go but the people of 21st were awesome as far as working with it. If I had any questions, the rep was pretty good at getting back to me with my answers as much as he could. He did a wonderful job of helping me understand what I needed and he was able to find something I couldn't find. He was almost like a buddy and it was very comfortable working with him. I would recommend 21st to anybody that needs to get a second mortgage 'cause they are helpful and I'm looking forward to a long relationship with them.

I was being forced out of the home that I was living in by my mortgage company which is Wells Fargo bank. So, I was put in the position of either having to short sell the house or put it on the market for sale, which I did. So, this was a situation where I was under the gun. I had sold my home already, had a 60-day escrow window and had to have a place to live by the time that 60 days is up.

I purchased a manufactured home which led me into getting a mortgage and 21st Mortgage was willing to work with me. The application process was pretty good, which took 30 days from application to financing, and they were able to get me approved. The rep was good and he would return my calls and answer my emails. He was also informative and he knew what he was doing. Everything went smooth and I'd suggest my friends give 21st Mortgage a shot.

I looked into a mortgage to manufacture a home in a park. I went with 21st Mortgage and the application process was very smooth. They were very responsive and the application and underwriting process only took a few weeks. I've worked with a lot of different mortgage lenders, so I knew what they needed and how they needed it, so I was like, "Here's everything." Also, a lot of loan officers I work with on a daily basis normally just don’t even answer their phone, but the one with 21st, Kellie, was always answering.

Our application with 21st Mortgage was done over the phone, all within an hour and everything was filled out. After that, the approval was done by the next day. And then, it was just a matter of getting all the paperwork to them. They let us know what was needed and we got it to their rep, who did a good job. Everything in the process was fine for me.

I was trying to buy some property and there was a trailer involved. I was trying to get financing on it and 21st was the only one that was willing to work with me. My wife did everything on the application process and we felt really good about it. They did a good job on everything. They showed us around and they kinda helped me out on things I wasn’t clear about.

I had the best help I can ever imagine with the loan process from start to finish! Ken ** is an awesome loan officer with great knowledge and excellent response time! He helped made my first home purchase as smooth as possible. Thanks Ken and 21st Mortgage!

I have a used mobile home and a lot of places won't do single mobile home but 21st Mortgage just fell in place. The application was a long, lengthy process but they worked with me and I was able to fax them some stuff or I could email it to them. So, they were really good. I originally put in the application in July and they got right back with me. I was needing a certain percentage down and that took me a little bit of time but I got back with them and they got the thing opened up and then I got it. I worked directly with Jonathan and he would call back if I email him or if I call and he didn’t answer.

We wanted to find a senior home to live in and 21st Mortgage was the one doing the loans for mobile home packages. The application was easy to do. I filled it out online, they worked with my realtor and 21st Mortgage and I corresponded by email. Everything was really easy to understand and Chris, our loan officer, was always there to answer all my questions. This was the first time I did something like this and I was really nervous. I wasn't sure what I needed to do. But the whole process with 21st Mortgage was easy for me all the way around and I was very comfortable working with them. They really did a good job and I enjoyed working with them. Give 21st Mortgage a shot.

21st Mortgage was recommended to us and their application process was straightforward and fast. The application and underwriting took about two and a half weeks. Adam is quick to response back if I had a question. He also detailed everything which made it so easy. He even told me where to go to get some stuff when I needed.

I was looking to buy the rental property next door and since I already had a mortgage with 21st, I just went with them. Altogether, the application took about a month and everything in the lending process was straightforward. The loan officer was great too. Kelly explained everything thoroughly and was very helpful. She also got back to me in a timely manner. If I had a question or a concern, someone would get back to me with an answer within three to four hours.

We were renting a home and we thought why should we pay that amount of money for rental when we could get something that we could own eventually. 21st Mortgage offered a mortgage without the land under the home and the rep, Nicki, was very efficient. She called when she said she was going to. Her communication skills, courteousness and politeness were exemplary to people. The application and underwriting process took four weeks. It could have been faster, but they were dealing with an elderly gentleman that his brother is taking care of his paperwork, so we had to have another third-party there, helping us along. Nevertheless, we felt very good with how 21st Mortgage worked with us to close the loan and we were very comfortable throughout the process.

21st Mortgage was referred to me and at that time, I didn't have a buyer’s or credit history, so my options were very slim. I tried them out and they were the only one that accepted me. The process started with the initial application which I filled out and sent in. Once that was submitted, Scott reached out to me and said that we got the pre-approval notice. He then sent a list of documents which I had to send to him as well as the conditions department. It was a pretty big list but I knew that it involved a large amount of money, so they were gonna want a lot of security and information on me if they were gonna give me that kind of money. So, I understood that part.

I was buying a house and 21st Mortgage was one of the options for manufactured homes. Overall, we had a decent experience, as to be expected when buying a house, but it could have been better. The loan ended up being closed in 50 days, which was a little bit longer than we thought it would be. We were under contract and it was a really smooth process because we were just buying a place from my husband’s grandmother. But the process ended up stretching out with their slow response time and the time difference.

Ms. ** and Mr. ** help me get through a tough time with my home, their customer service and was A1 and they were very thorough and timely with everything they did. Thank you 21st for everything and I'll definitely be recommending you all to others.

I liked that 21st Mortgage specialized in trailer sales. I got a mortgage with them for a new home purchase and their loan process was incredibly easy. I just went online, put in some information, and got pre-approved within about 10 minutes. Then they told me what paperwork they needed and I got them everything that they asked for. I'm a pretty organized person so I had all my paperwork in place. Then the signing of things took another hour or so. Even the closing time signatures didn't take very long. My experience with their reps was great as well. They followed up in a timely manner, answered emails as I sent them, and I never had any feeling like I was being left in the dark.

The only way we would be able to buy the mobile home that we wanted was by getting a mortgage and 21st Mortgage was the only provider that would lend for a mobile home. We had a lot of paperwork to fill out but the application was quick and we were approved the same day. John, the representative I was dealing with, was quick about getting back to me with letting me know what I needed to turn in and what the next step was through the process. I also had an overwhelming amount of questions, and he was very patient and helpful.

On time response when asking about what we need to do or next step it was very fast response, helpful for starting a medium family living income for purchasing a mobile home and everything went well and we go into our M home within 45 days which is a great timer, great customer service. The representative person was updating us on what is next step. Responding to phone calls emails no more than one day.

My broker had difficulty finding companies that would cover a house built in '69. They suggested that I go with 21st Mortgage and I went with them because of that recommendation. I obtained a First-time Home Buyer loan for a manufactured home and I dealt with a young man by the name of John. We went through this for a period of months and he couldn't have been nicer and more efficient. He also answered the phone immediately or returned my call asap and I had a wonderful experience dealing with him. 21st Mortgage is lucky to have somebody that works like that because that's congenial. He was not just good in his job, he was also happy to talk to me and was never too busy to go or has to go. I could even ask him the same question 20 times and he held my hand through the whole process.

21st Mortgage was the only one we could find that would lend on a mobile home and the experience we had was generally good. The fees and the interest rate were a little high but customer service-wise, it was good. The loan officer was real good and the process didn’t take very long at all. Things were usually approved within a day or two after we sent them in. The process went well overall and I thought it was a very good loan company.

I had a divorce, and the house was in my ex-husband’s name, and I got the house. I had to have it moved over into my name. The house was already under 21st Mortgage. They told me to submit a loan application so I did that, and within some hours, I had received contact by the person who helped me through the whole process. I had instructions and an approval notice within 24 hours. The application process was okay but there was some stuff that was unnecessary as far as the paperwork goes in my case because I already owned the land, and it was just a simple process of moving the house to my name.

I bought my home and went with 21st Mortgage. They're very fast and easy to use. The application and underwriting process took 1.5 months and my experience with them was very good. They're the best company and I can recommend it for my friend.

I wanted to buy a place and it was a used manufactured home. Not just anybody would finance it and 21st Mortgage did. The process of getting the mortgage was smooth. The application and underwriting process took three months but it was the seller's fault that it took so long. 21st Mortgage did everything they possibly could. Scott, the rep, was fabulous, courteous and informative. He also got back to me when I called him and kept me well-informed. I would recommend anybody to talk to him and I already did to a couple other people here in Arizona because they haven't done much business in Arizona yet.

When I bought a trailer mobile home, the realtor told me that 21st Mortgage was pretty much the only company left that does mobile homes. So that was where I went and I've had a good experience with them so far. They’ve been very helpful and very accommodating. The process also didn’t take very long once we were done dealing with other things. The people in 21st Mortgage were very on the spot, professional and considerate. They did really well and I was very satisfied with them. In fact, I was really impressed with their help and if people asked me about 21st Mortgage, I would tell them to go for it. They're very good people.

I filled out an online application with 21st Mortgage Corporation and they sent me a checklist of things they needed from me and the seller. Over time, we got all the info together and sent it to 21st Mortgage, and put a deposit. The application and underwriting process took about two weeks. I had to wait on a few things on myself and my parents’ end to get everything together. It was the second time I tried doing it and it was a lot better that time. I had a different representative helping me during the first time and it was a nightmare. She wouldn’t tell me what was wrong with something I submitted and they said that my income wasn’t correct. It said that I put that I made more than I actually did, but I actually put less than I made.

We were renting all the time and we wanted to buy a house. When 21st Mortgage said they would do manufactured homes, I went with them. During the application process, you had to get a lot of stuff together to make sure you had everything that they needed. I did the application one day, and it was approved the next. It took almost no time at all.

Nobody finances mobile homes. We asked around and somebody suggested 21st Mortgage Corporation, so we checked and went ahead with them. We filled out an application and 21st Mortgage approved it. Once we got it approved, I went back and made an offer to the people and got it down some, and we went ahead with it. The application and underwriting process took about a month from beginning to end. They could lower the interest a little, but they dealt with us good.

I'm getting married and I was looking for a home for my wife and me. I got a first-time homebuyer loan and 21st Mortgage had great service. The application and underwriting took a couple of hours to be completed. Joy was able to help me out very much throughout the entire process of getting the mortgage. It was a process to go through, never having done it before, but she answered every question that I had and was very prompt on responding to me. She put the answers into simple terms where it was a whole lot easier for me to understand and get everything that I needed. The application process went well and everything was straightforward. 21st should keep up with their customer service and prompt response to people, especially first-time homebuyers who don't really know what they're doing, and making sure that they understand everything that's going on.

I looked into getting a mortgage for a new home and 21st Mortgage was the only lender that would finance what I was buying that was available in my area. The application process was pretty easy. The rep was very friendly and answered all my questions. Everything went well with the lending process, which took a month, but the biggest hang-up was getting my own stuff together. Overall, though, I felt good working with them. My experience with 21st Mortgage was good and I would recommend them to someone else.

We got a mortgage from 21st Mortgage for a new home purchase and it was a really good experience. The application process was very easy. The lending process went quickly and didn't take very long at all. I just filled out all the documents that they needed. The loan officer, Drew, was awesome. He kept us up-to-date and a part of everything and he answered all the questions that we had. We were really comfortable working with him. If you're thinking about using 21st Mortgage, definitely do it.

The application process was fine. However the entire process was unbelievable. I sent required documents multiple times to our almost nonexistent loan officer. I feel every issue I had was because of him. There were times I left 6 voicemails and multiple emails, never answered. It was so bad that I had to extend my approval because of his lack of action. I can honestly say I never thought we would close. But we did...if there were other options I would have started over it would have been easier. 21st needs better loan officers. They are useless.

I filled out 21st Mortgage Corporation's application on the internet, and their application process was complicated. There were several things I had to send in multiple times. I worked with Karen and she kept in touch with me while I went through the process. She was good and she treated me well. The closing was also ridiculous because the lady who came out wasn’t familiar with what was in there. She was a notary and there were a lot of stuff that she could not answer and one of the things was the insurance. I wasn’t impressed with the closing at all.

21st Mortgage Corporation was the only one who did the type of loan that I needed but enrolling with them was a ton of paperwork. Everything was done by the phone and email and scanning and copying. It took about a month and a half to complete the application and underwriting process. The rep that I dealt with was good at his job but he didn't have a lot of patience and wasn't very good at explaining things. He expected people to know everything. It was my first time buying a home and I didn't feel comfortable asking questions because he had this characteristic where he expected people to know the questions being asked. Also, 21st Mortgage lost one of my checks and they said it was my fault.

21st Mortgage Corporation was great. I had an amazing experience with them. We were buying a mobile home in a park and I was given the names of a couple of places that we might be able to go through. 21st Mortgage was one of the few that specialized in purchasing mobile homes in parkland. They walked us through being able to do most of it by ourselves. We applied online, and then everything was online, via phone, and sending emails. It worked out really nice for us.

I decided to buy a trailer and looked into people that financed mobile homes. I saw that a lot of the 21st Mortgage's feedback was great so that's why I went with them. The rep was awesome. He explained all the steps to me and helped me with anything I needed. If I sent him an email, it wouldn't take more than two or three minutes and he would send me one back and if I had a question about something, he was more than willing to ask and answer for me. I was comfortable with him 100% and no question I asked was too stupid. He went on vacation for one of the weeks that I was trying to close on the house and he had other people answer my questions without any problem. They called me back immediately so they were 100% working as a team.

I read about 21st Mortgage and it said that they were one of the better places to get a mortgage for a mobile home. The application and underwriting process took a month and it was within the expected time. I dealt with Drew, my agent, and one other person at one time. Drew seemed to be knowledgeable. Sometimes we didn’t get our wires working together, but eventually, everything came into focus.

I was buying a new house and I looked into a mortgage with 21st Mortgage Corp. Obtaining the mortgage was difficult since I got to send stuff and if they didn't like or they needed other stuff or not enough, then I have to send some other stuff. The application process took several weeks. I also couldn't understand some of the steps and a lot of the representative John getting back with me was through a realtor we were using. She was having to contact him instead of him getting back with me. The communication was not good and not clear on exactly what they need ‘cause everytime I sent something to him, it was sent to an underwriter. Then underwriter received it through fax and email. So, they could improve the lending process by figuring out what they wanted at first and the steps. Overall, if you don’t get with John, then it’d be probably fine with 21st Mortgage.

I wanted to leave the house that my wife was in. I could no longer live with her so I bought a modular home which is something that I could afford alone. The seller of the house recommended 21st Mortgage to me and I worked with a rep named Justin. He was always very helpful and understanding whenever he was available and could speak.

I wanted to move but I didn't want to sell my place. I ended up acquiring a home mortgage from 21st Mortgage Corporation as they were the first ones to respond. Obtaining the mortgage was easy and I had a very good experience with them. The application process from start to finish took a month. Adam was my rep and I was very comfortable working with him. We did everything by email and I was able to take pictures of my documents and send them via email to him. It worked out well. Also, he answered my emails and questions very quickly.

We were doing a new home purchase and it was a little beyond what we could afford outright cash. 21st Mortgage didn’t look at us like just a number. They’re good for people that have had credit issues. You might have to have a little bit more of a down payment down, but they don’t turn you away and say no. And that was a major, major thing for us because there are very good reasons why our credit is the way it is. Circumstances being what they were, it’s very hard when you’re looked at as only a number and not taken into consideration how you got there. 21st gave us a chance. Also, they’re the main lender of some of the homes.

I went through 21st Mortgage after they were recommended to me and their application and underwriting took about 2 months. The application process was simple and I worked with Nikki. She would help me go through the paperwork if I have questions. The only issue I had was when I tried to call and contact her, I could never get through to her office and we would always get her voicemail then she would not return the phone call. But mostly, the communication between her and us was very little. I would have to email her and then sometimes it would take a couple of days before she would answer me back. Other than that, 21st Mortgage is an easy company to go through especially if you’re buying a mobile home. We were 100% satisfied overall.

Mailed our mortgage payment a week and a half before it was due. They called and said they had not received payment, so I did a check by phone. Was informed they would cancel the other check when it showed up. They DID NOT. They deposited both checks. $2,000 dollars out of our account and "There is nothing we can do."

I have never been spoken to so poorly by a company in my life. This was not just by one individual having a bad day, this was by multiple CSR's and their supervisors. They seem to be trained to berate their customers. I recently purchased a new manufactured home that I decided to finance with this company. We signed contracts stating payments would begin 30-45 after delivery and a phone audit. Our home was delivered but we were not contacted by 21st Mortgage for our phone audit. So, we assumed the phone audit would happen after we did our final walk through with the dealer. That came and went, yet there was still no contact from our mortgage company, no phone calls, no letters, nothing.

Been with them for 8 years and paid 400 a month. My payoff only went down 400 for the year. They couldn’t explain it other than the interest changes from whatever day I pay it on. I had my hot water tank bust and they refused to pay for it, said it was a slow leak and they took over a month to make a decision, took over a week to send someone out to even inspect it. They are a crooked company! Be warned. They are great up front but when they got you by the paperwork all customer service and niceness goes out the door. Trying to get away from them now. They are such a poor company.

21st Mortgage was the only one that would work with me when we purchased a new home. The application process was very long and I didn’t feel my rep was really committed. Every time Justin needed something, it was because I asked for it. I would wait two days or a week and there would be no answer. Then, I would call and ask him what was next and every time I asked, he had something new. He asked me for the same documents about two to three times. I would call and ask if he had gotten something and he would say that it would take two or three more days. Then, I would call in the morning and the afternoon, he had the document. So, it was very strange that every time I called, he didn’t have it at the moment but in the afternoon, he had it. It was frustrating and I felt that if I didn’t push, he wasn’t doing it or he just kept me to the side.

I spoke to my financial manager on November 12, 2018 to request a copy of my contract, sent him the info he needed by fax. He did what he needed to do and Kaylee ** processed the request and emailed to me on November 13, 2018. Great service from both of them.

My sister had some land attached to her house that she was going to let go in a foreclosure and she financed with 21st, so I just went to the same company. I filled out my application. I got accepted and got in contact with the loan officer, Joe. He gave me a checklist of everything I needed, I got all the paperwork together and sent it all to him and he did whatever they do on that end. The loan officer was professional, helpful through the whole thing and very available. I texted him a lot because I was trying to rush the process as quick as I could. He took a lot of impromptu phone calls from me. He answered a lot of questions and handled it very, very well and I was very pleased with him. The whole process took a little over a month before it went to closing. Overall, it's a very good experience. It's pretty quick, easy, and simple.

We got a new mortgage from 21st when we bought a second vacation home. They initially sent me a requirement before a loan consideration and I submitted all of the stuff. One was financing and then, they kept asking for other stuff and wanted to see the other three pages later on. I told them that the three other pages were personal finance accounts which were none of their business. I also told them to call the deal the off and I’ll go elsewhere but they finally accepted. It took two weeks for the application and underwriting process. It could have been quicker if they accepted the stuff they requested initially instead of asking for more stuff thereafter.

Was trying to borrow only 12.000 for a used mobile home for my daughter, yet they act like it's a million. I had plenty for downpayment, and all notable paperwork, plus an over 720 credit score. Even had my husband whom also had above 720 credit score as co-signer. These people delve way too deep into your personal finances, and tell you different stories, while they have you chasing a never ending paper trail. I think in the end they would of liked a kidney, and a DNA sample. In the end, I dropped the loan process. Interest rates are ridiculous and they appear to take advantage of low income people. Better off going to your personal bank. SHADY BUSINESS.

A good friend of ours is a title agent and she was going through an in-house mortgage company. But that didn’t work out with them because of the pre-manufactured homes, so our friend went right online and found 21st Mortgage. Our friend did all the application process. We filled out all of the stuff online and everything was through email. I had never done that stuff before until then. It was a couple days for the pre-approval and it was that week and the following week. It was very quick. Drew was our loan rep and he was great. He is located in Knoxville, Tennessee but any time we had a question, we called and he answered or got right back to us. Anything we needed, they took care of it. It was really good.

We bought a double-wide trailer and got a mortgage with 21st Mortgage. Everything was just fine. There were some complications with the application and underwriting process so it took about four weeks. Taylor, our loan officer, kept me informed on everything. I was really comfortable with him and he would get right back to me if I had a question. Also, they made it simple to get everything to him by using that DocuSign. It made it all so easy and I could do it from my house. I like the loan process.

Our real estate agent suggested 21st Mortgage, and we ended up going with their conventional loan program. The application went well and the gentleman that helped us, Chris, did a great job. He was really good about always staying in contact with me, even after hours of answering any emails or getting back with me through my Realtor, and dealing between my Realtor or me, helping me figure out what was needed and what I needed to get over to them. There was just a lot of times that I was confused on paperwork because I never bought a home before and it was a little overwhelming. So, he was really patient with me and walked me through a lot of things.

21st Mortgage was very helpful with my loan. Fast and easy. My first time buying a home in Las Vegas. 21st Mortgage gave me the experience. They walked me through on all steps of what I will needs. I would regimented to anyone that looking to purchase a home, should go with 21st mortgage.

Can't trust any lender anymore than we can a politician!

One time, I bought a mobile home and most lenders wouldn't finance them. I filed an application through email to 21st Mortgage but then I never got a call back. Though I was expecting more of a hands-on experience versus what I got, everything turned out fine and I'm happy with this company.

Hello I am very satisfied on who helped me today. Her name was Katie ** and was amazing on helping me and explaining everything well on what I had to do. She was very understanding and very genuine. I appreciate her helping me today with everything I needed.

I have never used an online mortgage company before. I have to say I was pretty impressed by the way everything worked. If I ever need to use 21st Mortgage again I definitely will also will let friends and family know!!

My Realtor suggested checking 21st Mortgage Corporation out because they did mobile home loans. I did that and it seemed like they were doing small things over there, so I applied for a loan online and got prequalified. They then asked me for quite a bit of information like my previous W-2s, and stuff like Social Security copy. I sent that all in but found out I was being denied for the loan which pissed me off. It was apparently because I was the sole person on the actual loan paperwork. I didn’t have a cosigner or anything like that. My credit was good enough, but they just were kind of in disbelief when it came to my jobs because I had a few jobs and they only got paperwork for one of them.

They were efficient and made the whole process simple. They kept me informed by email of everything that they needed and they let me know that everything was accurate and going smoothly. I am a first time buyer by myself.

Only negative point is the escalation of the interest rate. I felt the loan company took advantage of the situation. I will not refer this company. I will continue to search for a better loan and refinance. Scott ** was great.

21st Mortgage was fairly easy to work with. I just filled out everything online and then submitted things that were needed to them and process them through. The process took about two and a half months. My loan officer did a good job. He handled all the paperwork transfers for us. It was my first time doing this for an investment property, and he really walked us through everything well.

We've had three years with our old bank, and they didn't give us credit. We want to lower the payments so we can have a good payment history. 21st Mortgage was recommended by my brother-in-law. I did everything regarding the sign up online and the rep always answered my questions. He sent me the paperwork and tried to make everything easier to understand. 21st did lower our payment. We just got our first month working with them and everything's still working good. So go with 21st because they are really nice and they really try to help you.

Due to a few unforeseen circumstances, we had fallen behind on the mortgage, never more than 3 months, and have always made payments to keep it out of that 3 month range. Currently we are one month past due (October) and are only late for November. When I try to call them to make arrangements, I am bullied and threatened and told a sheriff will out to take my home from me, my husband, and our kids. I am told to borrow the money or to figure out a way to get it to them by so and so date. You can never speak to someone who is kind and helpful and understanding. It’s always the same ignorant rude heartless type of person who has no empathy for anyone. They are constantly sending me letters by FedEx and the last one I received in October gave us 31 days to bring the account current ($756) by November 11th, which we plan to do.

I found a place that I could afford but I lacked credit history and budget but 21st Mortgage Corporation told me that they would provide a mortgage for me. The application process was very long and painful though. I had issues with both the realtor and the guy that was doing the mortgage. There was a lack of communication and then this being my first time, I had no clue what I was doing and I wasn't told what I needed to do. I could never get them on the phone. I just kept getting updates saying that what I sent them wasn't good enough but it wouldn't tell me why or what I needed. I put the bid in for the place last July 3rd and we closed just a couple of weeks ago. The place is mine now and I'm happy.

When I was going through a divorce and had to refinance, 21st Mortgage was the only one that would approve me. My loan rep was nice. I submitted my application online, and I got approved. We went back and forth on documents that were needed until we finally got those things submitted, and we signed the original documents.

21st Mortgage was the only one that gave me the loan for the mobile home. The process took three and a half weeks and was easy, fast, and no issues. However, the application could have been improved. There should be more clarification on what exactly they needed. At the beginning, they denied my loan twice because there was a little bit of confusion on what I had to fill up and what I had to do. But then I talked to Cathy in person and everything was taken care of very easily. Communicating with her was fast, she answered my emails and she was always open to any issues when I'd call. She is very well-qualified to even have a better job than what she has right now. I'm very happy with 21st Mortgage.

We had a new home purchase, and went with 21st Mortgage because there aren't many providers around who will do a chattel mortgage on an older home or older than a 1976. It's a mobile home and it sits in a park. 21st Mortgage seemed to have the best ratings that I could find. The application was easy and I did it online. When I put in the application, it was approved about the next day. That impressed the living daylights out of me. But then, I've been working on getting our credit up in the excellent range, but none of my papers are in order. It took a lot of doing and it took about a month.

21st Mortgage was recommended to me. I was looking into a mortgage since I didn’t have the money to pay for a new home. 21st's application process took a little while but it worked out. There was no office where I live. So, that took the most time, and the application and underwriting took about a month and a half. My loan officer, Ryan, was good and helpful. I felt very comfortable working with him. I would recommend 21st Mortgage.

21st Mortgage has been helping our customers for more than 17 years. The customer service is and always has been amazing. The turnaround time is unmatched in our industry. The system set up by 21st Mortgage is smooth and painless for our clients. Chris ** is on top of his game. Chris is ready to answer all questions quickly and in a way that is understandable. I am grateful for the service Chris ** and 21st Mortgage have given us. I plan to continue doing business with Chris and 21st for many years to come.

I was a first time home buyer and 21st Mortgage made the process so simple and easy! I had a lot of questions but my loan originator walked me through the whole process and answered all of my questions and I know I had a lot of questions about so many things! I highly recommend 21st Mortgage to anyone who is looking to buy a modular home!

A friend had a house and he got divorced. His sister was in this house but he wanted to do something different and the sister didn’t wanna buy it, so I did. I thought I could just assume my friend's mortgage but that didn’t happen and we had to refinance it. I applied online with 21st Mortgage Corporation and then they contacted me back after they did some initial checks. Drew, the agent that set things up, did a great job. Everything he said came to pass and we got it done in about a month. I would recommend 21st Mortgage.

21st Mortgage was the only one that would do the financing on our place which when we first found, we didn’t know had a permanent foundation under it. I just filled out the application, then they replied pretty quickly and approved us. The loan process was really quick too. From the start until we got our mortgage, it took just a little over two months.

There were a few companies listed on the page that offered loans for a manufactured home, and I chose 21st Mortgage because of the person I talked to. They were very friendly. They told me everything I needed to do, responded immediately and updated the file. It was a 45-day escrow we closed in 30 or less.

Brooke is the rudest representative I have ever come across. In our conversations, she was not helpful whatsoever. She then retrieved a manager who was equally rude and not helpful. Their customer service includes repeating what they say until you give up. HORRIFIC!

I needed a mortgage to buy a home and 21st Mortgage was more likely to finance a mobile home instead of other companies. The guy that was helping me with the application was nice and helpful. Even though he lived on the East Coast and was three hours ahead, he was always prompt to answer our questions if we called or emailed him. if I had any problem, he tried to think of solutions for me and he didn't want to make me feel that I was inconveniencing him. The online application was very easy and all in all, the process took about 30 days. Everything went really well and it was faster than most other companies for mobile homes. 21st Mortgage is very helpful especially when needing to purchase a mobile home and very quick in responses.

We have an account with 21st and I originally forgot to sign some documentation and was told to email it over. The first few times when I emailed the general customer service email, I received no response. Finally, I got Kaylee ** and she was very helpful and answered all of my questions. :-)

I went to a different lending provider and they were a little bit slow. My realtor suggested that I use 21st and because I lived in Tennessee, it just seemed like a perfect fit for me. The application process was pretty good. I worked with John and he was very prompt. I'd send him emails and he got back with me and my realtor. It took around 35 days to close the loan since there were two properties involved. I applied for one and put a bid in on it, but I didn’t get it just because the owners of that property had a cash bid. Overall, 21st did fine. They were faster than the people that I bought the property from. I would recommend them any time.

We contacted 21st originally while on vacation and the agent responded quickly. She, Nicki **, answered all our questions and seemed knowledgeable and was courteous and polite. The mortgage process went smoothly and there were no surprises. At one point Nicki was on vacation for a week and we needed to contact someone and another agent was able to take care of our needs.

We just bought a trailer park and the application process with 21st Mortgage was good. It took about 3 days and we did everything online. It was really simple to do. The rate is a little too high but they told us it’s only about six months then I can try to find a refinancing on it.

21st Mortgage was more trustworthy than the others and my experience with them was good. However, I didn't like their interest rate. Also, there were too much papers, too much bureaucracy, and too much information. Still, everything was smooth when we called or they called us. I will recommend 21st. I'm satisfied with them.

I was buying a home and 21st Mortgage chose me based on the type of home I purchased and my credit score. The application and underwriting took 55 minutes. A lot of the work was automated and I just had to show up and listen to all the required talk and sign papers. It was a very quick and easy process. Also, everybody was prepared and copies of the documents were ready. The loan officer I worked with was organized and she was very knowledgeable. She helped me with my questions and we moved on. Everything was good and I was happy.

21st Mortgage is a great company. They work fast, they're efficient and they don't tell you things that aren't true. I got a 20-year loan with a flat interest rate for a mobile home, and the process was simple. However, the seller had a good friend, a notary who was doing their work for them, and that friend kept screwing up the paperwork. So, I took my package, filled everything, went down to the bank and had the bank do it. Everything I did went perfectly. The people at 21st Mortgage explained to me how to fill out the paperwork and the rep made sure to highlight so I wouldn't forget any of the places to sign. They also sent me the FedEx package, and I stuck the documents in there and sent it back.

I wanted to buy a house an the agent suggested 21st Mortgage to me so I went with them. Their application process took about six weeks which wasn't too bad. I worked with Ryan but he never called me. There could have been more communication.

I moved back to Bakersfield from Texas and I didn’t want to rent an apartment, so I was looking for a place. I saw this manufactured home and 21st Mortgage Corporation was the only one who was on financing homes. The application process was good, but there was a bit of mix up on one end because we had found a place and the realtor put it down there, but that was not the place we were gonna get. She wanted to put it down for a price, so we got that mobile home. Then, when we found the one we wanted, it was a bit of a hassle. That experience was a little screwy.

Very smooth process. Caring customer care that go above and beyond. Emails are answered quickly. My realtor really enjoyed working with Joe ** and so did I. The turnaround time and doing paperwork online rather than in an office was a major plus.

We were buying a home for my mother which could not be financed through standard routes because it is a manufactured home. Also, it's in a retirement community and she did not own the property that the home is located on. 21st Mortgage was the one of the only banks in the country that would finance such a loan. I and my husband have bought five houses throughout our career together and this was the worst experience that I've ever had. I got a packet of information that was supposed to go to the seller and that ended up delaying our closing for over a week because the seller never got it. The rep sent it to my attorney and I don't know why she did that.

My experience with 21st Mortgage was just excellent. Andy ** helped me understand the process each step of the way. Stephanie ** and Customer Service took care of the due date change promptly. Thank you for financing my new home!

I went through a divorce and my ex-wife’s name was on my loan. I had to get it out of her name and just solely in mine. It was hard to find a mobile home company that finances mobile homes without a property attached to it and Florida only has two companies that do - 21st Mortgage and another company. Going through 21st Mortgage's loan process was a good experience. The lady who helped me helped out a whole lot and answered all my questions. She did a fabulous job. Every time that I had a question, I’d email her. She either responded right then and there or if it was close to quitting time, she would let me know what was going on the next day. She'd let me know what parts I still lack, what information they needed and anything that would help get it all squared away to where they wouldn’t see a loophole. She gave me feedback and if I didn’t understand it, I’d email her again and she’d rephrase it.

It took 21st Mortgage Corporation forever to get things done. I’ve got a lot of mortgages 'cause I own about 11 homes and it took me three months to get a simple loan approved when it should’ve been four weeks. Every piece of paper took days. Their rate seems pretty steep too, but I didn’t have a choice. They were the only one in the country that would give me a loan on a trailer. I haven’t received my payment book in the mail yet either. I went on a payment booklet and they said it would be in the mail by the 1st of October and I haven’t seen anything yet. And my payment is due in about another week. But I’m not worried. I can always go online and make the payment. Everything was great with the representative. Drew, the loan officer was good and very informative. The application process was fine as well.

I wanted to buy a house so I looked into getting a mortgage. 21st Mortgage was able to give me 5% down with the choices that I had while the other places were 10% no matter what. I went with them and the mortgage process went well. I had a top of the line loan officer and I was very comfortable working with him. I talked to him about how long the application and underwriting process usually takes because I was trying to move out of my apartment and move in about the same time without having too much of an overlap or not having a place to live. It took a month and a half from the time I turned the application in until I got the mortgage. Nevertheless, 21st got my loan and I was happy with it.

I needed a loan and I was buying a manufactured home at the time, so the loans were a little harder to get. I also had some problem with my lender on the type of home that I bought. I was in a pinch, so I called 21st Mortgage. The seller had a loan through them and they were able to loan on that property so, I went through the process with 21st. From the very beginning, I told the loan officer that my current home was not gonna close and that there was no way it was gonna be sold prior to the home that I was buying. I told her I would need a bridge loan and she said that was not a problem. However, the communication was terrible.

There were a lot of bad communication between 21st Mortgage, me and the sales department that I bought the mobile home from. It says very clearly in the documents not to fax, text, or mail the driver’s license and social security card. I wrote very potent letter by the third week, went to the library and typed it up because everything I owned was packed already. I faxed it to the mortgage person on a Saturday and got an answer the following Monday complaining about how many times do I have to do the same thing.

I provided all the information and bank statements that 21st Mortgage needed and applying with them was easy. I would email them back and forth, which was convenient. It was also easy for me to get a hold of them. They offered a lot and the application and underwriting took 2 weeks to complete. The rep I worked with, Adam, was on top of everything and he was good. He was attentive and fulfilled all my needs.

I wanted to refinance my home and I didn’t have any local bank that would do a mobile home refinance. So, I went with 21st Mortgage. The application process was so simple and I did it online. But refinancing with them was a long and drawn out process. They wanted a lot of old information passed. I handled everything and they kept requesting more and more information. But I got through it then we did the closing here locally. The application and underwriting took close to three months to complete. The guy I dealt with was always forthcoming with information back and forth and I didn’t have any problems. But in the way he handled it, it was necessary to deal with a lot of information. He was good, though, and was very easy to get in touch with. In fact, I called him back and forth a couple of times. And if I'd email, he knew and he’d get back to me that day. I was also very comfortable working with him.

Other lenders have a whole lot of fees and none of it was making any sense. Their estimate to me was handwritten on a piece of paper, so we got out of there and went with 21st Mortgage. I did a mortgage on a mobile home and I had John working with me during the enrolment and application process. It was very well and he was very easy to work with. I was under the impression that taking money out of my 401k, I would get the whole $9,900 and they had to hold back for taxes. They had to hold taxes for federal and they had to hold taxes for the state. They had a fee and I had to keep changing things. But he always rolled with the flow and he made it real easy. I asked for his boss's phone number so I could call and tell him that.

I applied online and pretty much dealt with 21st Mortgage online. The underwriting process took a little longer than it should've. They didn't communicate well as they should've to me at the timing process. The guy that I worked with was Scott. He said it was okay, but instead of signing on the 5th, it happened on the 15th. When Scott could control something, he was very responsive. When he couldn't, he was out of office and no one really worked his stuff while he was gone. I handled all my stuff within days. Every time they needed something, I would get to them that day or the next morning. 21st Mortgage requires the actual documents, and they don't take e-sign. That was a major problem. If I had known about that before, I would've chose somewhere else.

21st Mortgage was more flexible and they would go lower than most of the people on the loan amount. I applied for a regular new home mortgage and there were no problems with the application process. After that, there was a list that came out on all the different things that needed to be taken care of. The paperwork process was more cumbersome than what I would care to do again, but I was really happy with the response and service of the person who was working with me. She was good. The only thing is that there is a three-hour time difference between California and Tennessee, so at times, that became inconvenient. So, it would help if someone would be at their office a little bit longer. It would help a little bit if they have someone who would specialize in the West Coast who is more on the West Coast time.

I wanted to buy a new mobile home and I applied for a mortgage with 21st Mortgage. The process was really quick and easy. They require a lot of information that most mortgage companies require. Ryan processed my paperwork and he was fast. He responded right away to all my concerns. If I sent him an email, he replied to me right away. For example, I sent him information, the one he was looking for, and it would take him not more than 10 minutes to email me. And when he sends me an email, I also reply to him right away because I like to move things fast as well. Then, if anything was pending, he notified me and took care of it right away. He was very nice, professional, and upfront and I was very comfortable working with him. It took three weeks to complete the application and underwriting and it took another half a week for the closing. It was a good experience. Go for it.

To buy a mobile home, I looked into a mortgage and went with 21st Mortgage since there isn't many around here that loan on homes. Obtaining my mortgage with them was great. Also, Karen, the lady whom I spoke with, was wonderful. She was friendly and answered all my questions. I called a lot and it didn't seem to bother her. She always answered when I called. The application and underwriting process was quick but the rates were a bit ridiculous. I wouldn't recommend 21st Mortgage because of the 12% interest. Also, there was one that irritated me where I ended up having to pay more for the mobile home than the appraisal said it was. And because of that, it was considered a new loan. My interest went up a point which I thought was extremely unfair. I wasn't warned about that. Still, other than that, their service was great.

I was trying to find a place where I could get a trailer loan and I got approved at 21st Mortgage. It was easy filling out the application form and it only took me 10 minutes. The reps that we dealt with kept us well-informed too. However, it was almost impossible to get a hold of them by phone. The only way to communicate with them was through email. They, nonetheless, responded within the next day normally. Also, the closing process took a few months. We kept sending stuff but they would come back to us and say that they need more stuff. If I had all the information verifying what was needed beforehand, the lending process would have gone a lot quicker. But, overall, 21st Mortgage is a good company to go through.

We worked with Drew ** of the 21st Mortgage Co. and we couldn’t have had a better person to work with for the loan. I would definitely tell anyone to go to him. There were a lot of questions to ask him, and he was never to busy to try to answer them for us.

I was helped and able to get a beautiful, almost new, small manufactured home with the assistance of Joy ** at 21st Mortgage. I had almost given up hope on ever owning my own home, but I am writing this from it now and very happy with the service I got from all involved. I have highly recommended Joy and 21st Mortgage to others and will continue to do so. Thanks to all!!!

The guys that I've worked with at 21st Mortgage were professional and we were impressed that we got approved. Though obtaining the mortgage was difficult because it took so long to get the house. On the other hand, the application and underwriting process was easy. It only took two days.

I was looking for an equity line of credit and due to the limited options available when dealing with a modular or manufactured home, I ended up with 21st Mortgage. Their application process was very straightforward and it went fine. However, the underwriting was a nightmare. It took about nine months. I’m 60 years old and I have bought and sold plenty of houses but my experience with 21st Mortgage is the worst. They should have figured out what additional documents they needed from me and gave me one follow-up list so that I could get whatever they wanted, instead of me providing one thing and then they would tell me something else is needed so then I would have to go back and get that.

Some time back, I was living in a different place and I wanted to move. I didn't have a conventional mortgage at the time. I was scrolling through different places that I wanted to buy. I clicked on the link of one of the houses I liked and I thought to myself that I should see if I can even qualify for a mortgage. The next thing I knew, a month later, I had a house.

Excellent customer service! Would recommend 21st Mortgage to anyone looking to purchase a mobile home. Thank you! The process was very easy and I was kept informed every step of the way. Every representative was very polite and pleasant to speak with.

We wanted to buy a house and our realtor guided us. When we bought a house, the process of obtaining the mortgage from 21st Mortgage was easy. The application and underwriting process took a month, but it was done in a timely manner. We set a date on when we want the house and we got it. 21st Mortgage did a good job and we had a really good experience. We were very pleased with them and will definitely recommend it to a friend.

Family who is borrower is seriously ill. Thus selling property. Buyer ready to close in couple weeks. 21st Mortgage refuses to work w/ family for one last payment when sale of property is 7 days later. This is despite almost 20 yrs of prompt payment, except for the 2 mos borrower became catastrophically ill & hospitalized. Further so many people I've spoken w/ @ 21st Mortgage are the most discourteous, even disrespectful I've experienced in any such position. It is appalling. Borrower beware of this lender, terms of fulfillment are long & you cannot work w/ them, nor will receive decent respect.

The whole experience with getting a mortgage is nerve-wracking but Nicki ** always was there to answer questions and put my mind at ease. The whole process from application to closing was done in an orderly and informed manner. It couldn’t have been better.

We had a pleasant experience with Kellie **. She was very professional. I would not hesitate to use 21st Mortgage again. I saw some negative reviews but I believe they aren't correct. We were approved in 15 minutes it went as Kellie said it would.

We tried to do an assumption of our son's mortgage. The website touted this option. When we applied to do so we were told you no longer do assumptions-even though it was still clearly advertised on your website. We pay double the interest rate as our son but had no other choice. Predatory practices. Your website is also poorly optimized for mobile devices.

I got a home loan and I didn’t know the difference between manufacture and a home loan. 21st Mortgage came across and they were the only manufacture loan company that was able to get me approved. Ryan was super easy to work with. He emailed me anytime and got back with me. He explained every question that I had for him and broke it down to me if I didn’t understand it. We had our 30-day window which went about a couple of days after the 30 days of closing cost. Other than that, it was a fast transition.

We bought a mobile home and there were only two companies that finance something new. We talked to both of them, but the guy from 21st Mortgage who we dealt with was great, so we went with them. It was super easy to get a loan from 21st Mortgage. They sent somebody out there to evaluate and as soon as they did that, the loan was approved. The underwriting and application process took about a month or two and according to what I hear from everybody who has financed mobile homes out here, that was quick. It was also fantastic to talk to their rep. He was willing and helpful, and he made the process easy and worthwhile. I've recommended him and 21st Mortgage to anybody and everybody. Being with 21st Mortgage was really the best experience we've had finding anything.

21st Mortgage is one of the very few companies that finance mobile homes. I got a 22-year mortgage from them for a mobile home and their loan process was pretty simple. Once we found the property that they were willing to finance, it was relatively easy. The agent who helped me, Ryan, was great, polite, and consistent about getting back to me on time and with what he said he was gonna do. I feel very comfortable working with him and on their part, everything went great. There were some holdups but it wasn't with the loan company. The overall process took three months but it was because of other factors that went into it. And I got answered back within about 24 hours once I actually submitted everything. If you're looking to get a mobile home loan, check out 21st Mortgage. They're good.

I retired and I was living in an apartment, and then I decided to buy a house. I went with 21st Mortgage, and it was the first mortgage I've ever had. The process was fairly easy. They were communicative and they led me through the whole thing. The application and underwriting took about a month. The loan officer and I mostly communicated by email. I talked to him twice, too, and he was very friendly. They really seemed to know what they were doing. Any questions I had, they answered right away to where I could understand what they were talking about. I was happy with them, and I would definitely recommend them.

Everything was perfect during my experience with 21st Mortgage. They had a gal there, Nicki, who did a great job for me. She returned every email and phone call. Additionally, she got our loan done overnight. I've already recommended 21st Mortgage to other people and told them to talk to Nicki.

We needed to buy a home and we went with 21st Mortgage. The process took four weeks but it was fine and it wasn't difficult. 21st Mortgage did what they needed to do and Adam, the agent I dealt with, was really good about answering all my questions.

I bought a trailer house and I was assuming the loan for the house mortgage. I was buying the trailer from my sister and her husband, and they recommended 21st Mortgage. At first, working with them felt like it was gonna be a runaround. But once the ball got rolling, it actually went really well and it was straightforward. I’m actually pleased with their service. I guess all the paperwork finally fell into place and it went really quickly after that. I went with a 30-year fixed mortgage and it took close to a month and a half. But with the way I was working with my job, there were several times that I was out of pocket so that played a factor. There was quite a bit of my sister and her husband dragging their feet also.

I had hurricane issues that were over and above what was initially discovered. So I needed to get things taken care of. That was the catalyst that got me started on a reverse mortgage and the application process with 21st Mortgage was absolutely flawless. Tyler seemed to be on top of everything. I called frequently and when I had to leave a message, he always got back to me. There was one time he didn't need to specifically speak with me but he sent me an email that answered the question. And he did that immediately. He was wonderful. He seemed interested and was knowledgeable too. He's an asset to the company.

21st mortgage was the only company we could find to finance our double wide. It was a 10% interest, but we didn't have a choice since nobody else would take it. It was fine for 2 years. We sucked up the fact that only about $60 of our $800 mortgage actually went toward our loan. Whatever, right. I accidentally scheduled my payment to come out twice. I called them when I realized the mistake and they basically told me it wasn't their fault and they needed a form from the bank to fix it. Instead I called the bank and told them about the double payment. They put in a dispute and said it was up to the lender now. I emailed 21st and said make it right or I'm going elsewhere (yeah right. They know we have no choice). So a few days later I have both payments back. I called 21st and they said they only saw one return payment and that I was fine. I figured the bank made a mistake and would fix it.

We didn't have the cash so we had to borrow money to purchase a mobile home and a mortgage was the only source there was. 21st Mortgage was the only company we found that could do what we needed done. We found out about them from a manager of a retirement community of mobile homes and we gave them a call. We were told that we probably wouldn't have any difficulty applying, so we applied once we had a contract on a mobile home.

My experience with 21st Mortgage didn’t go that great. They were difficult to work with and mostly, the problem was with the underwriter who was asking for things that were totally impossible to the point where I was gonna said I needed to talk to a manager because it was ridiculous. However, the guy that I talked to was fine and he said he was gonna turn it over to a manager. But then the other problem was with the people. I thought I had everything done and then all of sudden, they would say that they needed the original of something. And they didn't tell me that in what they sent me. It was a headache. I’ve never gone through something so crazy in my life. Also, the process took almost two months and the rate was not much better than what I had before. It was still high. I know that they charge manufactured homes more interest but I was thinking it would be more in the 8s because my credit ranges in the 700s.

I needed to get a place off of my ex father-in-law's name 'cause me and his daughter split up, so I decided to buy it from him. I had seen a lot about 21st Mortgage and I checked into it, and I ended up going with them. Everything was good. I dealt with Ryan and he was as much help as he could give me. He called me as soon as he found out any new information, and he kept me updated. If he said he was gonna call me back, he would. He was on top of everything.

We lost everything during Hurricane Harvey and I was in the process of trying to get back up on my feet. 21st Mortgage was the only one that would finance the home that I found. The process of obtaining the mortgage was a little time consuming, but we got it after 3 months. In order to get approved for the loan, I had to apply online and get pre-approved for the loan. Once I got pre-approved, my real estate broker and I started going through the process. If I had any complications or questions or anything like that, he was good at explaining it and filling me in on the issue.

I needed a mortgage for purchasing a trailer and 21st Mortgage was the only one I found that did loans on trailers at the time. When it comes to paperwork and requesting document, the enrollment was a little more painful than the normal mortgage processes that they normally do. I started in April and I didn't close until July. It was exceedingly lengthy for the straightforwardness of the deal. It wasn't like I was trying to finance a foreign property through a fourth-party. It was a straight up sale of a residence just like any other sale of residence. I already knew what kind of documents they needed as far as two months' worth of pay stubs. I had that to them the next day. I've got it all on file. I was ready. So I submitted everything I needed to them within days, and then waiting for responses from them took weeks.

I needed to get something fixed around my mobile home so we looked into a mortgage and went with 21st. We got the loan program from them to pay off our credit card, as well. However, the process of obtaining the mortgage was very long. The officer whom I dealt with was out of state so we just talked over the phone. He seemed knowledgeable enough. Sometimes, he was right on and then sometimes he was hem and haw. I don’t have a problem with him not knowing the answer, but he should say that he doesn’t know the answer to the question and that he would need to check and get back to me. Instead of him just saying, “Well..." and then go around and around while never really answering the question. That was frustrating.

I needed to find a mortgage company that dealt with mobile homes. 21st Mortgage has a lower interest rate compared to other lending providers. I got a conventional loan from them and the process obtaining the mortgage was fine. The application process was very simple and very easy due to the fact that the house was sold, and the person that purchased the home passed away before he could transfer it over into his name. That made it difficult, but that was not on 21st Mortgage’s fault. I would like it if they had a local office though and if stuff didn’t have to be faxed or shipped to Tennessee. But the loan officer was absolutely perfect. She was very detailed and always was on the ball. If others were looking for a mobile home mortgage, I would definitely tell them to go with 21st Mortgage.

I was getting a mortgage to buy a mobile home and somebody recommended 21st Mortgage. The process was long and arduous as all escrows and mortgages are. The application and underwriting process took four or five days and the officer, Jonathan, was great. He did what he could do to move things along as quickly as possible. It was a week long delayed because of the escrow company not willing to take my down payment to satisfy Jonathan until they have the information from the State of California on any property or loan taxes. It was important that Jonathan kept the down payment with me to order the appraisal so, everything was held up. But in the end, everything came together. Also, Jonathan was on top of it. He answered his phone for the most part, although there were times when it goes to the voicemail because he was busy, too. If somebody needs a company, I would recommend Jonathan.

I had 21st Mortgage refinance my home and the whole process took two months. It was a lingering process and I felt like it could have not taken so long, but 21st Mortgage was thorough about it so I was able to get it done. Justin was my loan officer and he did a fine job. I was comfortable working with him, he called me back several times when I had questions. 21st Mortgage is a good company to deal with. Go for it.

We were buying a property that was non-traditional and we needed a specialty mortgage. It was a single lot mobile home that was a rental property. We searched on the internet and we only found about four lending providers nationally that did that kind of lending. We called all four and 21st Mortgage Corporation was the most responsive. The process to get our mortgage was okay and it took about a month. There was a lot of paperwork, but my loan officer followed up major cut down. She provided me with emails, listing what I needed. I liked how 21st provided a pretty clear breakdown in a tick box format so we could go through each item one at a time. My loan officer went through it and we got it done. It was a good experience and I would recommend 21st Mortgage Corporation.

I was buying a mobile home which a conventional loan wouldn't cover. I had heard that 21st Mortgage does loans and I ended up going with a conventional loan with them. It's a 20-year loan with a pretty high interest rate, but that was all I could qualify for with my income and what I could afford. Still, getting the mortgage was easy. The application and underwriting took about 40 days which wasn't too bad. Also, the interactions I had with the rep were really good.

We got a conventional loan from 21st Mortgage and from start to finish, it took about two months. The appraisals took three weeks. The timespans on those should be shortened. The process took a little longer than we hoped but it was easy. It was also fantastic working with our loan officer. Karen was always up-to-date. She always answered any questions and kept me up to speed anytime I asked. They did everything they promised and I’d recommend them to a friend. If someone has the same type of land loan that we were looking for, I would tell them to go with 21st Mortgage.

I wanted to buy a house and decided to look into a mortgage and a buddy of mine had used 21st Mortgage Corporation. The process of obtaining the mortgage was easy. The application and underwriting process took a month though but it had something to do with the seller. On the other hand, 21st Mortgage Corporation’s rep was there to answer any time I had a question and I liked how much they helped. Overall, it was an awesome experience for a first time buying a home.

I looked into a mortgage to refinance and I figured going with 21st Mortgage would be easier since I had already financed with them. I refinanced with them and the process was great. I gave them some documents and it took a couple of months altogether to get all those done but the overall experience was pretty easy. Also, my loan officer was really courteous, friendly, and spot-on on his information. Everything was excellent and I would do business with them again.

I was looking to purchase a new mobile home. I was gonna be retiring and I wanted a permanent place to live in. 21st Mortgage was highly recommended by the sales and service department at Palmer's mobile home where I was looking. Palmer's gave me the documentation to fill out and they submitted it for me. It was fast and easy. Any questions I had, 21st Mortgage answered right away. They're very helpful and they're very cordial. Sometimes, if you go to a bank or credit union and you wanted to refinance something, there would be a lot of questions about why do you need to do that. But I didn't get that with 21st Mortgage and they made the whole experience interesting.

I purchased a home and went to a broker that was brokering a loan to someone in California who was then brokering it to 21st Mortgage. The fees were expensive, so I decided to go directly to 21st Mortgage. The application process was great and I got the mortgage online, so it was easy and very simple. They send approval right away, and they tell you what documents to get in, but they're slow on cutting stuff off. I'll send stuff and they sign some of them off, but they don't sign it all off and I tell them which ones I already sent. There should be better communication on signing off on conditions. I sent the conditions two or three times before they acknowledged they haven't had time to sign up on that problem, so it was there, inundated.

We were trying to rebuild our credit and refinance our house to lower our payment and 21st Mortgage was willing to work with our credit. The process of obtaining our mortgage was simple. It only took longer due to our fault. We found out that our previous lender didn't put our house in our name so I had to go through a whole bunch of rigmarole. 21st Mortgage helped us greatly. They walked us through how to fix all of our problems with our other lender. Furthermore, our loan officer was awesome. He talked to me on a daily basis. I still talk to him when I have questions.

We had a new home purchase and 21st Mortgage was the only one that was willing to help us with our situation. It was all pretty easy from the time we started the process to the time we moved. The rep got back with me pretty quickly if he wasn’t out of the office and the communication was pretty good. I liked them okay.

I wanted to buy a home and 21st Mortgage was the only one that would do mobile home mortgages. Considering our case, the way we had to move our home first, get it put onto our land and then proceed with the application, it was complicated. The rep I worked with was very good. I would send him an email and he would get back to me on the same day. The process took five months from when I contacted them to when we closed. It required a lot of paperwork too. Considering how everything was, it worked out well. I liked working with 21st Mortgage and I would tell my friends to try them.

I had purchased a home last year, paid cash for it and ran up my credit cards trying to repair the home. I took out the loan now from the mortgage to pay up the credit cards. The process at 21st Mortgage seemed long. I have purchased a few homes in the past and those seemed to go a lot quicker than this did. Plus every time I did something and got them what they needed, they needed more and more. But Drew was my rep and he was a real nice man. He did what he could for me.