21st Mortgage Corporation Reviews

My experience with 21st Mortgage was frustrating. They would ask for copies of paperwork. We would send it and 21st Mortgage turns around and asks for it again. They either lose it or they never look at what they get.

21st Mortgage was recommended to us through our broker and I applied for a home loan with them. However, it took months for the home loan to finally be processed. Then, after we got down to the final card, they kept requesting information that was unavailable to provide. They wanted me to provide information on stopping payment on a check for a certain date when the pay period for that transaction had not even been processed yet. I went back to them and told them, "I can't provide that to you. I've provided you with all the documentation that I have, but I can't produce something that hasn't been generated yet." But they said I have to have that information. So, once that information was generated, I sent it back to them, but then they then asked for something more absurd.

My experience with 21st Mortgage has been wonderful. There's not a whole lot of companies that will finance or refinance a manufactured home and they don't know how to handle what these homes are worth but 21st Mortgage handled it perfectly. They were attentive and they seem to be on their game. They followed up on their calls and later to plan how it was going. Not all loaners want to put in a plan and an option to pay the loan off a little early because they realize that they could make more money if they let it stretch out. But 21st Mortgage offered that and I liked it.

21st Mortgage Corporation is the company I went through for my house loan. The process was very good and the reps behaved well and did a good job for me. Overall, my experience was good and very professional. Keep up the good work.

21st Mortgage was a common place to go through for a mobile home mortgage in Flagstaff, Arizona. The loan process had to be done long distance so there was a lot of attaching emails and paperwork back and forth. It wasn’t as easy as sitting down with somebody and it did take a while but it still worked out fine. It was orderly and detailed. The representatives were good and responsive and they conveyed the requirements easily from email to email. I had to do a lot of hoop jumping to get the loan but it was very laid out for me so that was good. Plus, I didn’t have to ask a lot of questions twice.

I got on the internet and the 21st Mortgage Corporation was the first thing that popped up so I went with it. The home loan process was a pain. You think you got everything then they have a list of five more things you need. You get those five things then you get an order of two things. You get those two things then another three things pop up. After I got it and everything went through, I kind of looked them up on the internet and found that there are a lot of bad reviews about the company.

I bought my pretty fat home in Florida and the place where I bought it from, they got 21st Mortgage. However, the interest is high at 9% and they didn't compare where I could get a lower mortgage. 30 years ago I got a mortgage on my house for 8% and this for 9% now when things are much lower was out of line. That's what I'm upset about. But it's fine. I'm here in Illinois and the reps went ahead and did all the work. They were also very nice, easy to get a hold of and they gave me information. I've had no problem with them.

Our entire transaction took several months from our initial application, and approval, through the time it took for our former home to sell. 21st Century staff were patient, understanding, responsive, and consistently professional. We appreciate it.

There was a realtor a while back when I was looking for a house and it's one of my neighbors. He's the one that recommended 21st Mortgage. I was originally looking for a place in Oklahoma and that didn't pan out because of my brother's medical stuff. When I found something here in San Diego, I stayed with 21st because they had already approved me for a house through a VA loan in the beginning. But, we wound up going conventional because we found something that didn't qualify for the VA. The rep was great, and the people at the real estate agency that I went through down here loves him. He emailed me all the time, let me know what steps were done and what steps were needed to be done. As a couple of steps got checked off, he would update my checkoff list. He was awesome. It was a really good experience all the way through and I would definitely recommend them.

We wanted to have a little bit of flexibility of downpayment in the years for the house that we bought which was a manufactured home. 21st Mortgage Corporation have had a little more flexibility that fit our needs at the time. Ms. Joy ** was my contact then. I signed up and went through the whole process with her. She was very helpful, patient in answering all my questions and walked me through the steps of what was going to take place. She kept in communication with me when things were not moving along. The experience was great, smooth and very helpful.

I needed to find a company that could finance mobile homes. A person I work with had her loan through 21st Mortgage Corporation, so I went with them. The loan process with was very easy. We emailed back and forth and used the telephone. It wasn’t a big deal. I had a good experience with them and I’m satisfied.

After working with another company for about a year, I ended up finding 21st Mortgage and the process was fairly quick. Their representative was very good and helpful in giving me options of what I could do, what I needed to do. They were also very quick to respond to any questions.

21st Mortgage has a better interest rate than other companies. Also, we got the process done in about a week. However, we didn't realize that we were late for the payment. Their rep called and was really rude and demanding that we pay them. We assured them that we were going to make the payment within a couple of days and that we were just short on funds because of all the cost that we had to do for the mobile home, but they were unprofessional and they just wouldn't take it. We have never experienced anyone like that. My husband spoke to the manager and this manager replied the same way too. We qualified for the criteria that they were asking. On top of that, we also gave a 10 percent down. It's not like we're going to take off. That's not how you treat a first time customer or any customer. We're very dissatisfied.

When my brother found 21st Mortgage Corporation for me, it was the best option at the time. The home loan process went well. It went smoothly and it was a quick closing. Also, the representatives were courteous, and everything was good.

21st Mortgage financed my home I refinanced my mobile home. My experience was complicated but the guy that was helping me was very nice and has a lot of patience with me. Everything was done through e-mails and fax, which takes time but in the end, I can do what I need to do. Also, they were really helpful with me and they made it easy for me. I have a good experience with them.

I bought a mobile home and the dealer recommended 21st Mortgage. They'd finance my loan. I talked on the phone a couple of times with their representative who was in charge of gathering all my information. He was always emailing me and letting me know what items I needed to get together and submit to them. As I would submit the requirements, he would update my list until they get all the information together. They contacted me and let me know whether I was approved. It was a painless experience.

When we purchased the house, 21st Mortgage Corporation was the company that was used by the dealer we went with. Overall, it's been pretty good and easy. We've had the loan for a couple of years and just recently went through a refinance to put the house in my name and I stayed with them all. I did the refinancing online and then we went back-and-forth over the phone as well. The gentleman that I worked with made everything very easy. Everything went pretty well and smooth.

21st Mortgage Corporation financed manufactured homes, such as what I was buying and experience was very good. We did the loan process via email. Joe was very good at letting me know what I needed to do and everything that I needed to provide in order to get the process moving along and get everything taken care of. I have a lot of praise for Joe. He was great to work with and I highly recommend him.

I couldn't find anybody to finance a manufactured home except 21st Mortgage. The loan process took some time, but some of it is my fault because I was trying to keep up with everything. For the most part though, they weren't detailed enough or didn't know what they were doing. I've only bought one other house and that's 15 years ago, so there are a lot of stuff I didn't realize. But I'm still happy. It was a good experience.

I got a home loan from 21st Mortgage Corporation because they were willing to finance an older home. My experience with them was fine. Their representatives were able to answer my questions. But the home loan process was not simple. It took a while. Also, it’s a stressful thing for the person who’s trying to go through with the loan process. But be patient. When it’s over, then it’s done. I was also supposed to get set up for a payment every other week and it didn’t happen. I was thinking that I needed to call them to see what happened.

21st Mortgage was the only one that I found that would finance a mobile home and my experience with them was magnificent. Their rep made it so. Without him, I wouldn't have it done. If they had 200 of him, they would make a whole lot more money. But the ability to be able to e-sign would have been a lot easier. There's so many papers that needed to be scanned and this is for a first time home buyer. That was crazy. Nevertheless, I have recommended them.

The mobile home company chose 21st Mortgage. So far, I'm plenty happy with them and the loan process went really fast.

There aren't very many similar people that give out trailer loans like 21st Mortgage. I worked with Ken who was good about sending emails back and forth. And when he asked what kind of insurance we wanted, I said I wanted to keep my Erie Insurance because it's a bundled car and homeowners or renters. I already sent him the information for Erie but when we went to closing, I looked at the paper and on it was 21st Mortgage Insurance. But we went ahead and signed because I didn't know what was going on. So I sent him another email and he said, "Well, you have to call customer service now but you can have whatever insurance you want." And I said, "Well, you better believe it, it's $24 a month less, and that would add up in a year's time to a lot of money times 19 years, to like $5,000. Why should I put that on my loan?" So that was part of it and I still haven't got that done yet.

21st Mortgage Corporation seemed to be the No. 1 company dealing with mobile home mortgages. I did the loan process through email. I thought it was pretty cut-and-done. Usually, you just give them your information, they run the credit check and the approval, and then, give you a list of information of what you need to send in a checklist. You give them all the information. As long as everything checks out, then it's just pretty simple then it's done. If I needed to call, they always answered the phone. They were great.

21st Mortgage was the lending company that my agent recommended. They seemed fine in doing their job and making sure that I can pay back their money. The home loan process took only a couple of days and the representatives seemed to be pretty good. We got the loan and everything is good to go.

21st Mortgage has an embedded icon ad at the website that let us find the place we bought. I clicked on it and filled out an application and there were a lot of documents that had to be sent in but other than that, the process was quick and easy. I had lots of conversation and emails back-and-forth with their representatives. However, when we called the man who closed the loan since we've never received our copy of the title or the two registration stickers for our mobile home, he just passed us by giving a telephone number to call. He didn’t want anything to do with it anymore. We’ve already paid them to do those things at closing and we closed on March 15th. They already got their money but I’m not getting good service out of them over this and we've been waiting since. Everything else was fine and dandy but that’s really in our face right now and I'm disappointed.

21st Mortgage was offered to me so I just decided to go with them. The entire loan process seemed pretty easy. Everything has been okay and my wife took care of most of it.

We first applied for a home in January. After 3 weeks of waiting we were told the home wasn't on the correct property. We then chose another location in February and after weeks of waiting and being told multiple times we had everything turned in I called 21ST and was told that there were multiple documents still required. After turning them in the closing was scheduled for the end of March. We had some items that needed replaced and those items were done quickly.

21st Mortgage was the only one who would accept the mobile homes and the lands. The land was in my uncle's name and all other places would not accept that for some reason 'cause we're related. My experience was good but it took forever to process and that was the worst part of my loan experience. I literally applied for a 21st Mortgage loan last June and we just closed in February. But my monthly note was $334 and my flood insurance went up by $1. However, it's my whole payment changed and now it's $374. I just have to call them about that and 21st Mortgage said something about the escrow. The rep was helpful and working with him was good.

I hate having to deal with them - rude and unprofessional. Can't wait to get refinanced. Would recommend them to no one! Ever. Their loan process is shady and I think they are in cahoots with the trailer company. I was overcharged $1000.00 and it took months to get my money back.

I was in escrow for 52 days and it seemed like things were being held up at the end, many hoops to jump through for a loan that is less than a luxury vehicle. In the end, I have my own home and that's great, which makes me satisfied, but I'm not satisfied with my high interest rate (and I cannot shop around for a lower rate because 21st basically has a monopoly on mobile homes older than 1976).

When my husband passed away a few months ago, it was a very difficult time for me, but this mortgage company walked me through every step. Whenever I had a question, someone would get back to me quickly via either email or phone call. I will definitely use them again for any future purchases should I make any.

I contacted 21st Mortgage for a Chattel Loan and got a fast pre approval. Nicki ** was my loan officer and was very helpful, always returning emails or phone calls. Overall, the process was easy and I was happy with everything. I would recommend 21st Mortgage to anyone looking to buy a mobile home.

Lack of communication - Just a bad experience. We were to close on February 28, per 21st Mortgage, which we did. BUT we could not get the keys to our home until March 10th. So I end up paying for 2 places because of all the mess! Then I sent all the information to you for our homeowner's insurance and instead you used yours. I am getting bills for the other one and it is $24 less a year. I think I should be reimbursed for insurance and for 2 weeks of paying for a home I could not use. I know the closing company was very upset with how the whole closing went also.

Found this company to be very good though sometimes requiring same docs to be sent more than once. Efficient and personable to work with. Would definitely work with them again and loan officer Sterling ** was great to work with and should be commended for his efficiency.

If anyone of looking for a loan that they handle I highly recommend them. They are very quick and tell you exactly what is needed. The process is easy. The people are awesome to work with no matter how many questions you have.

21st Mortgage is fantastic. The staff was courteous and professional. Had it not been for their help, we would not been able to buy our home. The entire home loan process was done within 1 month. Joy ** was our lending agent. She was super. Thanks 21st Mortgage.

21st Mortgage was the only company I found which would give me a loan. The loan process was a bit long and tedious. I had to send a lot of information twice. Nevertheless, their representatives were easy to get hold of and were able to answer my questions.

The dealership told be about 21st Mortgage Corporation and the whole loan process went well. It was a lot easy and I didn't have any issues. I would recommend them.

My home was already financed through 21st so I just refinanced through them. The guy that I dealt with was excellent. He answered any questions I had. We had numerous phone conversations and if he didn't answer and I left a message, he'd always call back. He kept me informed anytime there was a change or we needed something, before I ever got an email or a letter because he'd personally call and let me know everything. It took a while to get it done as it was the time of the year that we did it with the holidays. It was a good experience.

My experience during our home loan process at 21st Mortgage wasn't too bad. For the most part, it was easy to get in touch with their reps if I had any questions. I had a bad situation that I found out, and they helped us.

I had used 21st Mortgage Corporation since 2007. It's the main loan company that was offered through Solitaire Homes where we purchased our home and I was pleased with it. The process has been fine. 21st Mortgage called and let us know we were pre-approved and sent things out in the mail that we needed in a timely manner. And since we've been in the home, they've been very courteous, good about answering any questions that we have and getting information to us that we needed. I was very satisfied with the experience so I would recommend using 21st Mortage.

Adam (customer service) has been an absolute pleasure to work with. He is very knowledgeable as well as caring when it comes to those he does business with. In the event I am unable to make payments on time he goes out of his way to ensure there are as few late fees applied as possible. I hope he succeeds in every aspect of his life.

I called 21st Mortgage today needing some information to do my taxes. I misplaced the statement sent out with the amount of interest I paid last year. Kelsey ** assisted me. She was wonderful! Her attitude was very helpful, respectful and polite. She was able to take care of my request in no time flat. I would highly recommend her service. Thank you for everything!

Our experience with 21st Mortgage wasn't very good at all. It was totally different than dealing with the regular mortgage company as far as selling or buying a house goes. The information that they needed from us wasn't clearly explained. We kept having to turn around and give them more, and it was a real hassle trying to get them everything that they wanted. We bought four houses and it's never been anything as bad as what this was. Also, the interest rate really sucked. It would have been better if they told us what they wanted upfront instead of having to jump through every little single hoop one thing at a time. I'm glad that it's all over and done with.

The service at 21st Mortgage Corporation is great. They’ve always done me fair and are always treating me good. Going through the loan process was very easy. Joy was outstanding and she was on top of everything from the beginning and stayed on it. Also, everybody at 21st Mortgage is very nice to me. I'm very happy with them and I recommend the company to anybody.

The reps at 21st Mortgage were great. They were easy to get a hold of and called me anytime they had any question for me. The lady I was dealing with mainly, Stephanie, was very helpful and very knowledgeable. There was a lot of red tape I had to go through though it didn't have anything to do with 21st Mortgage. It was stuff that I had to get straightened out.

I've had a mortgage with this company for the past 16 years. I never had any issue with them. Pretty much the entire time they have always been sweet people. Each new rep I received was always pleasant and helpful and always worked with me no matter what. The last year of my mortgage almost being done I don't know if since then they have hired new reps that seem to be just rude or if this is how they treat their customers towards end of their loan. But 2016 they made it hell for me when I was a month behind due to job loss, threats made that they're gonna repossess my home so forth. Finally get back on track and I decide to pay my home off early Sept 2016 final close Oct.

My experience with 21st Mortgage Corporation was awesome. The loan office was very helpful in helping me get my loan approve. I could not have been more happy in dealing with 21st mortgage, I would definitely recommend a friend to 21ST MORTGAGE.

Our house is a manufactured home so we were looking for a mortgage company that would do a modular and 21st Mortgage Corporation was recommended to us. However, they wanted to know every little thing which is okay because all of them do. We didn't have any problems with their reps too. I'll recommend them to a friend.

We have had our loan with you for years and the gentleman that is over our case is very professional, friendly and is always happy to help us. He understands the customer's needs and is always eager to help no matter. He keeps in contact with us as I do with him. He is the only one that has been over our account that I enjoy speaking to. This gentleman name is Neil **. Thank you for the great customer service Neil!

I went to apply for the Solitaire Mobile Home and 21st Mortgage was the one that helped me. I was pleased that they did and everything was good. I'd be glad to let other people know that they’re good and are willing to help people.

21st Mortgage Corporation were the only ones I went through. I had a very successful relationship with them and I like them very much. The loan process went very smoothly and dealing with their reps was fantastic. They were on top of everything. I'm a very satisfied customer.

Do not deal with this company. I had to beg the people we bought our mobile home from to deal with them when I first wanted to purchase it. Now I see why they didn't want to deal with them. My husband had a heart attack in Oct 2016. We talked to them in November, and (Tried) to make arrangements with them. We asked them to please defer ONE payment. We have had this loan for 5 years now, and they refused to budge. I called Adam ** at 21st Mortgage today, and asked if I can make a payment. I am only able to make one payment this month, because we are behind one month. He immediately started literally chewing me out. Of course I got defensive too, and asked him, "do you want this payment or not." He said, "No! Not unless it's the full amount." Then he said, "That's the problem with you people. You think you can dictate what you will pay every month."

Chris ** from 21st Mortgage is an angel from above. His patience and professionalism made our walk through the process of buying our home a walk in the park. 21st Mortgage through their representatives made things a lot easier than what it's supposed to be.

21st Mortgage was recommended by the selling agent we were working with, and we couldn't have been more pleased. We just came out of a bankruptcy, and there weren't any issues in the approval of our loan. Our loan processor was Jonathan ** who was absolutely amazing. From start to finish, he communicated with us on every step and was patient when I had a lot of questions. Our loan was timely, and it all went smoothly. I would recommend 21st Mortgage. Kudos and five stars to them and Jonathan!

Very professional and well spoken and answered any questions that I had. Prompt respond to any questions through email or phone. Made experience almost pain free and very helpful to a first time home buyer. Very satisfied with my experience buying a first home.

Dealing with all the paperwork with Joe was great! Lots of communication and always got an update as to where we were in the process... He made it clear as to what documents we needed to get him. No questions about what was needed. I would definitely recommend 21st to anyone looking for a mortgage.

Everything was great with 21st Mortgage's loan process. Joy was amazing to work with. Every time I had a question, I would either email or call and she'd give me whatever answers I needed. And any other possible issues I would have had, she already explained all those to me and walked me through everything for being a first time home buyer.

Working with 21st Mortgage was quick and easy. It was also convenient and the loan process experience was painless. The reps were very informative and quick to answer any questions. They were most interested in doing what was best for our situation.

We have been customers with 21st for many years. We have Never Experienced customer service like we have with this COMPANY. We always get a letter saying our insurance on the mobile home we have is been canceled and when we call our insurance company foremost we are always told they don't understand WHY this continues to keep happening when we HAVE NEVER BEEN CANCEL BY THEM. You can contact Travis @ Farm Bureau that is the underwriter and speak to them and see they have to ALWAYS send a deck sheet of proof of insurance.

I have been a customer for 4 years now, and I have to say that the staff, such as Bryan ** and Joshua and overall comportment of the company is excellent. I have had some medical issues that made it difficult for me to make my payments on time. The people I have worked with at 21st mortgage, in my opinion, went above and beyond to work with me to make arrangements that were acceptable to both myself and the company. I have referred several friends to 21st, with full confidence that they would be treated with the same courtesy and compassion that I have been. I am very pleased to do business with 21st and the people they employ. In this day and age I must say that it is both a pleasure and privilege to do business with a company that cares about their customers. Thank you 21st for all you have done for me.

When disaster struck in our house we contacted 21st Mortgage to see how they could help. It was not a great situation. Both of us had been off work and the loan fell past due. The rep at the time was not helpful and very rude. Long of the short, Adam soon took over our account. At this time we are still getting back on our feet. Interaction with him has been wonderful. He is compassionate and cares about our situation not just about the payment at hand. He has put our faith back in 21st Mortgage.

Have been with 21st for nearly a decade now and have been extremely pleased with their professionalism and understanding. Quality people working for the organization have always shown respect and courtesy.

I have been with 21st Mortgage for a long time. They have always been very professional and helpful. I call in with my payment every month and work with Kristina ** every month. Kristina is very professional and courteous towards me. I actually get disappointed when I call to make my payment and Kristina is not available.

Talisha is a true professional who has helped me during my difficult times and I really enjoy doing business with her. I was struggling after the passing of my father and Talisha was very helpful and understanding. She is a great credit to your company.

I love your great staff. Working with Sterling ** was a great experience from beginning to ending and was a very professional help with attention to detail. It was so hard to find here in Florida a mortgage company that deals with mobile homes. Keep up the good work. Thanks sincerely.

The 21st Mortgage rep was very nice and helpful over the phone. They gave me a high-interest rate for the loan but I understand now that everything's high. I was planning to sell my mobile home, it's in the market now, so I called 21st Mortgage if I can do that and they told me that I can as long as I continue making payments until the house is sold, so, I will continue my payments.

21st Mortgage treated me better than the other financing companies so I stayed with them. Just like everybody else however, they want to make sure that they're going to get their money and that their customers are paid on time. Still, they were usually friendly and courteous. Also, they were understanding and they knew everybody falls through hard times. They help you out and do anything they can when you need them. They were really good to work with.

I've had 21st Mortgage Corporation in the past with the previous home so I went with them again and the home loan process went smooth. However, they required a lot of duplicate documentation. It seemed like I emailed or faxed whatever was needed to do. I would get a checklist and the checklist would come back and I already had submitted stuff once or twice prior. They have different departments that streamline it to who gets what or where the paper goes. They are repetitive on the follow-up checklist but other than that, I had no problems. Everything was done online or over the phone and then they fax you a time for signatures. Their representatives were very knowledgeable, very insightful, and I had good experience with them.

Had exceptionally good service from Scott **... Would definitely recommend him in the future. He kept in touch with us by email, mail and phone consistently and we knew what was going on all the time. He also assisted with the seller and went above and beyond in all ways.

21st Mortgage is probably the only company in the Phoenix area that finances the older manufactured home, and I couldn't find anybody else that would do that. It worked out really well with them. At times, it seemed like they were slow. It was a process of one agent after another handling my case. But they were very, very good as far as keeping me informed on what was going on. I wish I could've gotten a little bit better interest rates but at least, I got a mortgage. Everybody that I talked to there was very informative and really helpful. On the whole, I'm very pleased with 21st Mortgage. I gave all their information to my real estate agent, and she's now been able to sell three or four more homes that she had problem selling before because they could get a mortgage through 21st.

21st Mortgage Corporation was the only one that’s willing to help and work with us. I was talking with them almost every day and they went above and beyond to help us. They answered all my questions and they made us feel really good.

21st Mortgage Corporation's services went a lot faster than other companies and their home loan process was good. I filled out the application, got the preapproval and they gave me a list of things I had to have. I sent it out to them and we went for it. Also, their customer service was good. Everybody was courteous and sunny on the spot every time I called.

We went with 21st Mortgage because not very many places finance mobile homes anymore. Joy, the rep that took care of processing our loan did everything. She is a lot of help and does such a good job. Anybody that I've ever talked to at 21st Mortgage is very helpful. They've explained the process to me and helped me to understand it quite a bit because financing a mobile home is different from financing a home. The loan process was very simple and took a month and a half, at the most. The interest rate on our loan could be lower, but that's how it is. It could be a lot higher, too. But overall, I've had an excellent experience with 21st Mortgage.

My daughter recommended 21st Mortgage Corporation and I'd recommend them too. I really liked the rep I worked with. She was real good and nice and every time I've called to ask her something, she was very prompt about getting back to me. However, the home loan process took a little longer than I thought because we didn't get the right type of work and we had to go back and do it again from the seller. Also, I wish the interest rate was lower but it was hard to find somebody that would do a mobile home. It was good overall.

We got a loan from 21st Mortgage. It's for a trailer mobile home in an RV park and the woman that we dealt there said that 21st Century is very accommodating and they help other people out right away and that's what we needed. We started with 21st and it went through. However, there were a lot of hoops to jump through for the loan. It took about four months of back and forth, getting all this different stuff that 21st needed from us, from the homeowner that owned the home, and from the RV park. But we were very pleased with the interest rate given to us.

21st Mortgage Corporation was recommended to us, and we were happy with the person who we initially had contact with and helped us through everything. My wife talked to him a lot and he was friendly, informative and courteous. He always let us know what was going on and when. We got good interest rates as well. The process took a little longer because the house was an estate and was tied up in a court for a few weeks but they came through with everything in a quick and timely fashion.

21st Mortgage was able to finance the style of home that we bought. Their representative was easy to get a hold of and we never had any problems. It was a good experience dealing with them and we're overall happy with them.

21st Mortgage Company has been a wonderful company to work with. Everyone I have been in contact with has been very helpful and courteous. Any and all questions were answered thoroughly and quickly. In addition, the website is great as it is user friendly.

We have had a great experience with 21st Mortgage, but we have had problems with the crew that brought the trailer in and set it up. I have had problems getting them to come back and fix a few things.

This is the second time I used 21st Mortgage Corporation. I tried to buy a house last year and backed out because having to pay almost 10% in interest is highway robbery when the house across the street is a real house people only pay 3.5%. I am appalled that anyone takes advantage of the lowest available buy-in of the housing market to charge us the most money, but I'm thrilled that 21st Mortgage exists so I could at least buy a home. So this year I went directly to them and I have been happy with the service. I had excellent interactions with their representative and they have done an excellent job. I have recommended them to others.

Trying to purchase the property that I have now was not a good experience. The selling agent was a disaster and I'll never purchase a house from him again. The only really bright spot in that whole process was the lending company, 21st Mortgage, and if it wasn't for their rep, Joe, I wouldn't have the house that I have now. 21st Mortgage needs to give him a raise. I’m so happy with him. I got turned down the first time, but then I was able to get a couple of more things that he needed in order to get me approved. He talked to me every day. I called and asked him the same questions I don’t even know how many times because it’s my first purchase and I was nervous. But Joe was on it and he had a nice attitude. I didn’t feel any pressure with him and I could ask anything. I love 21st Mortgage.

Not everybody will touch manufactured homes but 21st Mortgage Corporation did. The home loan process was good and Ryan was very helpful through the whole thing. Their interest rates are also high but so is everybody else. Overall, the experience was all right and I’d do it again.

My real estate agent helped me deal with 21st Mortgage Corporation because she's already dealt with them and she preferred to use them. I was getting nervous because my landlord didn't want to miss a beat on her payment but I didn't want to give her extra money for a month, but thank God everything went into clockwork. 21st Mortgage helped me, and everything worked out well. They were there for me and answered my questions. The loan process took two months from start to finish. By the time I got the paperwork, they needed more recent check stubs. Then I got qualified, and we looked where we wanted to stay. I didn't have to pay my landlord extra and I got all my deposit back. I'm so happy that now I'm doing it for myself and loved ones. My mom's really happy since she's 82 years old and she's home all day, there are more people her age in the area we live in and they all look after each other.

21st is the best and I would recommend to everyone I know. I went through a long, costly and wasteful 6 weeks with MHS loans before I started with 21st. I had my mortgage done within 2 weeks. Great customer service like no other. My loan officer Ryan was so helpful and went above and beyond my expectations. Thank you for being a great lender!

Every time I called I was transfer several times. Which means I had to explain my situation (issue) several time. I never received my interest due payments, because they were sent to the company that I brought the house from. I only heard until they were past due. I do not like being past due with anything. You need to find a new procedure. I should be able to pay this on the website. I was told I was able to make this type of payment online.

I cannot say enough positive things about my experience with your company. Everyone has been most helpful and courteous. I must say that it was a totally pleasant experience. I look forward to being your client in the coming years. Thank you.

Very pleased with my loan and the service given by your company. The process was easier than any other loan ever applied for! Would like to compliment the staff and my loan officer for his great help and fast service. Would definitely recommend the company to family and friends! Happy customer.

Lisa ** was a nightmare to work with during the entire loan process. The tone of her emails were rude -- "...you can ALWAYS call..." When I called Lisa on numerous occasions to discuss my loan she was impatient, rude, never able to answer my questions, she was unable to read my taxes (which are complicated because my husband and I own two businesses and most of our income comes from investments), rushed to get me off of the phone and more. Because of Lisa's unprofessionalism, I will pay off my loan this year to avoid any further contact with 21st Mortgage Corporation. I will never use 21st Mortgage Corporation nor will I recommend 21st Mortgage Corporation to anyone.

I am very impress on how your company was able to work with the issues that we had in our credit history. I am excited everyday living in my new home. We are looking forward to the coming future of living here and the coming holiday party that we will have in our house. So thank you again 21st Mortgage Corporation.

I will definitely recommend this company. Fast, friendly service. My account manager was always there to help with my new home loan. Probably one the best experiences getting a new home loan. The process simple and the terms were excellent.

Joy was wonderful. Very friendly and fast. I knew I could contact her with questions and she would always return my calls. I am very happy with your company. I will definitely recommend you, especially Joy. Thank you for carrying contracts on mobile homes, no one else does. We would not have been able to buy this home without your company.

I would like to receive a phone call regarding the way the financing of the way J & M Homes and their contractors being so unreliable. We had other questions during the loan process that no one returned calls. Wondering about who has control of contractor bids.

I was working with MR. Sterling **. He was so knowledgeable in everything he did for my wife and myself. The time with 21st Mortgage was very fast and I would recommend them to anyone trying to buy a home.

For myself and my girlfriend this was our first time looking to purchase a home. We were very excited when we were approved and couldn't wait to get started. Joe ** was there for us the entire way, answering any questions and always prompt to respond quickly. He was very informative on everything we needed and made the process as simple as possible. It was an absolute pleasure to work with him from beginning to end and we are thankful for everything he has done to get us into our new home. Thank you again so very much!

Well to be honest where I got the house from the people is trying to get over on me when things happen and some of the stuff got missing they said it was my responsibility to replace it and to be honest I put a lot of money down for the payment and it's all about money with them. So please help me get my home the way it should be looking.

My experience was fair, I had to send information several times which was frustrating. I had to sign my home mortgage papers twice due to a wrong date and then there was still a couple papers that had to be resigned and sent back. Also, I have paid on my mortgage for two months and I do not even live in the house yet. I have encountered some very nice people though, everyone has been very nice.

I was very please with the experience of buying our first home. The process was easy and everything went smoothly. The only thing that I could fuss about was it seemed to take a long time. But I think that was just me being impatient.

When we're told our house would be ready to move in it's been two months making payment and can't move in so we are paying motel expenses and house payment on a house we can not live in yet because of contractors.

We have a new account and have found, so far, that the process was easy. It was a simple application process with a few phone calls from 21st for verification. The ability to set account due date was nice. They give you a choice of first of month or middle of month. Will follow up with more info after we have had this loan for awhile.

Did my phone audit. Requested biweekly paperwork. Didn't get it until after my first note was due, and y'all are not willing to admit y'all dropped the ball. My house was delivered in December, and still not in my house. It's Jan 20 now. So I've had to pay double the house note. Because I'm still paying rent at my place, and still no one is willing to work with me.

I worked with Adam ** at 21st Mortgage and he was so very helpful and professional. He helped me through the process of purchasing my home. He answered all of my questions, helped me all of my concerns. When Adam was not available, the other staff in the office were also very helpful.

Awesome, probably the easiest I have ever bought a home, Kevin was really helpful, and the paperwork was a breeze. I have nothing but good things to say about 21st Mortgage, got my wife and I into our home in less than 2 months and our credit was less than perfect, so they get 5 stars.

I'm paying for a home that I can't move into. The mobile home place and the lawyer that they used haven't done what they said they was going to do. They moved the trailer on the land without a permit so now I can't get one. They didn't do the dirt pad correctly like they agreed to do. I was rushed to sign for a home that I can get into until about March maybe.

Well I haven't been with the company long but as I was talking to Mrs ** she was very good to me and she broke everything down to me to let me know I'm not just buying a home I'm getting a loan. Then I'm signing documents what I got to pay back and I'm looking forward to do just that. She made me feel more like a family member just by showing that she care and making sure that I can afford my home and I really do love it and I really thank 21st Mortgage for all that they have done to help me.

They were great, great customer service. They helped us get our dream home! Thank you so much! My family was so happy they did everything so smoothly and right the first time. The employees called back promptly and they answered all our questions. Deserve 10 stars!

In the beginning of the process they give apr 8.40 and the last minute with the home is ready they told us the interest increase to 10%. They approved carport in the beginning and when is closed to escrow they don't want to include the carport. They made a lot mistakes. Very bad company.

It was an off-chance recommendation that referred me to 21st Mortgage Corporation, and I must say that it was more than fortunate that this occurred. The people that I had the privilege to work with at 21st Mortgage made the process flow very well from the due diligence and timely response of their communications through the close of escrow on time. Nicki **, my mortgage loan originator, was extremely efficacious in her communications and expedient in helping to get things done with the loan. I could not be more pleased and would recommend this company to anyone in the market for financing a manufactured home purchase.

Everything stated about 21st Mortgage poor tactics, being harassed if 1 day late, they argue and try to tell you to get loans, not caring about the individual or their situation is totally true. They wanna tell you what you can do, your problem isn't a concern. I have experienced 1st hand on how they treat you. Adam is my rep too, him and his manager are ridiculous, told me me making payments late is unacceptable. That wasn't part of my agreement. It's been hard for me to pay lot rent and mortgage due to haven't found permanent work that pays decent since I signed paperwork. I thought it would be cheaper but it hasn't. Plus paying gas, electric bill, water bill, car note, auto insurance. Been no more than 60 days late but catch it up to current month, while working part time jobs. Nothing permanent as far as work.

If I could give them negative stars I would. If you have a choice do not, I repeat, DO NOT use them. My mortgage was sold to them a few years ago and they've been terrible. I contacted them to get the payoff amount in July, they gave it to me and I paid it. I received a call in September telling me that my mortgage was past due. We argued that it had been paid off and they found fees that meant I still owed money. I paid those fees and was told that the mortgage was paid off. I received a payment book for my mortgage in October.

This company is the worst company to ever deal with on a mortgage. If you are ever getting a home loan do not go through them!!! They have no compassion or concern for any of their clients. We did not have the money to pay our payment this month and I called on the 3rd of the month and told them the funds would not be in the bank even though they never pull the money out of our account until the 14th or 15th of the month. They asked why I couldn't pay my payment and demanded I tell them everything when, how, and why? I couldn't then they demanded that I borrow the money from friends, family or stranger if I had to. I talked to Ben first then they disconnected me. Then I talk to another guy and he put me on the phone with a supervisor. All three of them told me over and over again to go borrow the money from somebody and make my payment before November was up!!!

My fiancé was 30 days late once on the loan from 21st Mortgage due to work issues. Adam ** and his Supervisor Leah were very rude and disrespectful. Adam went to say there is no reason why we should have been late and that it was 5 weeks in September so he should have been able to pay. I informed him of the work situation and that it would be taken care of this coming Thursday and he was like, "That is unacceptable."

I was approved and halfway through the purchasing process on a repo home of theirs. My deposit was down and buyers agreement signed. I was sending in all paperwork as requested and had a lot being laid out for the new home to be placed on. Next thing I know the dealer (middle man) tells me that it looks like things aren't working and mentions how the bank feels they can sell this home for more money than they were asking.

This company buys out mortgages from other companies and does not pay the money to get the titles switched to their name. Please be advised that if your loan was originally through Chase, then you might want to verify that all of your paperwork was processed correctly. This company just cost me my house because they never filed for the title when they took over the mortgage. So basically if they were cheap and lazy on your account too, then you are paying for a mortgage for years and will not have a clear title at payoff.

If you can do not use this mortgage company. They are the meanest people. I had surgery and me and my husband has fell on hard times. We have always paid never ever even been a month behind only a week or two. They call and harass us everyday. Telling us to borrow the money from someone else. They are unbelievable. I would under if we were a month behind or something but we never are. They threatened to take our home away. One time they told me, "Would you rather have a house for your children or Christmas?" I mean come on. Everyone do yourself a favor do not use this company. I'm currently looking into refinance my mortgage with someone else just to get away from them.

I never applied for a loan with 21st Century Mortgage. My Home Equity loan with GMAC Mortgage got sold off numerous times and ended up with 21st Century Mortgage. As a GMAC employee we were always told our mortgages would never be sold off, however it happened with no warning. When signing this line of credit, I had no idea there was an accelerated payment schedule on it and the payments increased by almost 400% with no warning. I tried to set up a different payment schedule on a longer term payout and the customer service people were no help. They kept sending me back to my primary mortgage which is with another company and not offering any help or ideas at all. Would not recommend this company for any loan.

As a seller I had my buyer contact several companies to find a mortgage company to finance this for us. She contacted the company and began the process in the middle of April and as of the date of this complaint (July 5) the property still has not closed. The application process to 3 weeks then the appraisal company that 21st wanted to use took over a month to appraise the property. Usually a 4-5 day process. After the appraisal was submitted the underwriters received the paperwork and began the 3-week process of doing the paperwork. Every time we call to check on the progress they say "we are working on it!" but apparently they aren't or it would be over and done by now. I have to wonder how many people they have working there and if they are seeking the Guinness book of records title for the longest closing in history. I think someone is making a career out of our closing.

I sent my May's payment in which was half with April and then sent the other half with June's 1st 2016 payment. Sean ** was answering my emails but now he wouldn't. My loan officer Shaun ** also is doing the same thing because I went off on him. I know what it is like to go into a foreclosure, it's not fun. This is frustrating. Why are they not cashing my June's check? It usually only takes 3 days and it's still in my bank account. Why wouldn't they tell me anything. They bought my loan, I didn't come to them for a loan.

Mobile Home loan interest rates and structures result in a borrower paying up to three times the price of their home. I have taken out a personal loan to pay off my "mortgage" that will save me tens of thousands of dollars. 21st Mortgage failed to pay my property taxes on times both years they were responsible for doing so and did not pay my mortgage insurance as is required and moneys are escrowed for in my mortgage agreement. Employees are not well-educated on their loan product and empowered to take care of customer servicing needs. 21st Mortgage had no way to make sure that my property tax is paid every year on time.

Nasty people, rude, and discriminative! I should have seen the signs in the beginning right when I was applying and never proceeded. I will never recommend this company to anyone. The agents are rude -- that's because they are being told by Corporate to do so. They are aware that their agents are treating consumers in a nasty way, and the culture of the company tolerates it! They should be included in the list of predatory lenders! Never, ever, ever get in a mortgage with this company!!!

I was dealing with 21st mortgage for 8 years on a mortgage for my home and I kept requesting a refinance for a lower interest rate. To no avail, they would not do it. I was overcharged on this loan which was for 15 years. Then I got a refinance from another company in 2015 and paid off 21st in November. I was one 30 days late due to the loan originate told me not to pay. Well 21st was aware I was working on a refinance. I was called and harassed and threaten to borrow money from family and friends if I wanted to keep my house. A Simon called on several occasions. I got in debt and borrowed money and paid mortgage and still got a refinance. The money I paid in was sent back after 46 days, if not longer.

We got behind because I had a stroke in May, 2014. They told him to borrow the money. We finally got someone to work w/ us & were 1 day late getting back to them (twice). They denied us. We have tried 3 times since 2014. I lost my job & then my husband lost his job. They still were rude & nasty to us. I will try again but I hold out no hope! They are mean & hurtful to people. They should be stopped!!!

You can read any of accounts on this message board and my family has been subject to the same treatment. This company's business practices are despicable and the option they provide to make payments are laughable at best. I have already requested they no longer text and call me at the same time and that all correspondence be in writing as proof of the conversation. Today when my wife called to make a payment on our account, which is not overdue, she was treated with utter disrespect and harassed her until she told them the conversation was being recorded. At this point, Russ, the representative, apologized for his speech and promptly accepted our payment and gave us a confirmation number.

They bought my mortgage, I have been in very good standing with them, I have all called them, if I had an issue had two amazing loan officers that were very understanding. Single mom of two disabled children, my mom passing and no one else to turn to. I called and talked to my new loan officer, very rude and nasty. How can you run a company with people like that? I had just got out of the hospital and my electric box went out and had to pay for the repair. I just wanted one payment put on the back after being told one month that they would help me if I ever had an issue. No Shaun was rude and nasty saying "We don't do that, you need to call us at 9 p.m. tonight (when their website shows they close at 8 p.m.) and find someone to help you pay your mortgage payment."

After talking with the supervisor about my payment they were all rude, and I told them I was working for a home care company and when my person dies goes in the hospital or rehab I did not get to work. They always try to come up with an excuse to try to rule somebody's else's life. I am tired of these rude imbeciles. Hopefully I have somebody to buy my house in March. Even though they did not want to work with me. They called and text the last number that I called from and was not suppose to. Talk to a lawyer, he said it was against the law for them to do that, for them to call the number that you are calling from.

I had this home in bankruptcy and my ex stopped paying it. Meanwhile, I was in the hospital in a coma, when I got out, I kept in touch with them about losing my job because I was in the hospital so long with a brain injury and was trying to sell it. I had HALF of my stuff moved out so sometime approximately February 2012, I went to get the rest of my stuff out and MY HOUSE WAS GONE!!! Wasn't due to foreclose until 10/03/2013! They said I can get my stuff at Heritage homes in OKC 2 hours away! Just out of the hospital, wasn't allowed to drive so I couldn't get my stuff.

After many years of being with 21st Mortgage and dealing with their rude and nasty attitudes, they threatened to repossess our home. They are uncaring and downright nasty to you. Our AC went out in the home which caused us to fall behind on our payments, due to getting it replaced. They had the nerve to say, "oh well, people live every day without AC." It has to be something done about the daily calls, harassment, and the nasty way they talk to you. Awhile back Bank Of America had to pay out millions of dollars for calling and harassing their customers. I wonder can this same lawsuit be applied to 21st Mortgage...

This has been the most worst experience. I have had a loan from them since May 2010. My payment is due on the 1st and according to my payment book I have till the 17th to pay but by the 10th the harassment from them starts. Last month I had one of my children in a serious car wreck which spent 2 weeks in the hospital. I missed work due to this but made my payment on time last month like I have for past several years. This month's been rough. I asked them for a extension of 10 days and they told me to ask family and friends for the money or get extensions on my other bills and they wouldn't accept a payment past the 17th. They have also discussed my account with others I have as references which is third party disclosure and against the law.

They refuse to settle their seconds to Fannie Mae guidelines and kill short sales. This is ridiculous. As a Realtor I have wasted time, seller lost credit and they kill the deal and end up with nothing for 2nd. Furthermore the servicer on the first said they do this always.

I hope this can somehow be directed to your CSR Christiana and her supervisor. I emailed a request yesterday for a copy of my most recent statement. I am closing on the purchase of a new home and was in desperate need of the statement, to pass on to the escrow company (I do not receive monthly statements). I checked in at noon and was told my request was being processed and would be faxed to me by 5:00 (PST) that evening. By 4:45 I still had not received the fax, so I called in again, hoping to reach someone before everyone left for the evening. I reached your Customer Service Rep, Christiana (hope I'm spelling it correctly).

My review is based on being with 21st Mortgage Company since 1998. I have worked with a number of representatives during this period of time. When I went through my divorce, dealing with a number of other issues, I found myself struggling to getting used to having one income instead of two. There were a few representatives I dealt with at 21st who were absolutely HORRIFIC! Regardless of the fact that I had over 10 years of perfect payments, they made me feel belittled and worse than I already did! I hated to call and talk to anyone, I even had them threaten to repossess my home after ONE yes ONE payment was past 30 days.

This company has no common courtesy and could care less if they finance anyone. Absolutely the worst customer service I have ever encountered! Didn't want to try and fight for our business or anything. No respect for the customer or their feelings. Completely disgusted with them! I pray no one else finances anything with them.

I spoke with Adam ** today about a payment that hasn't yet cleared my bank. He was really friendly and extremely helpful. He walked me through what options I have and what I could do in the future to avoid this issue again. I am no longer stressed out. Thank you so much for this young man who did such a great job.

My experience with Amanda and the 21st Mortgage Company was an absolute wonderful experience. I called Amanda, my loan officer with 21st Mortgage and told her the hardship that I was having paying my bills, mortgage and to boot that my husband was going to be scheduled for surgery in August and would be out of work for a total of 2 months. To make matters worse, my brakes went in my car and I could not afford to get the car fixed. Amanda checked with her supervisor and they agreed that I could forfeit my payments for September and October. She also extended my November payment so that I would finally be caught up with my bills and could comfortably start paying the mortgage on December 1.

21st Mortgage... They are really rude. They told us the land home was completely remolded top to bottom... It took them over 3 months and approval letter after approval. Keep in mind each approval letter the price went up. Due to our credit we couldn't get anyone to assist us with a home loan even though we had $20000 down. They kept raising the price due to all the work they claimed to put into the home. Face it. It is a trailer. There's not a lot to do...

We have had a mortgage with them for over 3 years. Every time we are late they make you feel like trash. You talk to a worker and two supervisors and each email a manager says "hi I am Kristina ** I am the account manager." Doesn't matter how many times she emails it's the same thing. We get harassed with calls 3-5 times a day even with email contact! I strongly recommend not using this company.

To make a long story short I gave $20000 on land home property. They put me in the home because I was becoming homeless after a divorce. I was to close that week or the following week that was Nov 2014. I went to NY for the summer. While I was there the guy at prestige I gave my money to stole it and 8 or 9 others. Also I believe 21st had something to do with it. Anyway I came home and have been put through hell and was to be made to feel like I did something wrong. I have closed but I'm having a hard time getting copies of any papers. I was suppose to have new appliances and ac and heating. Now I'm not because they say I lived here for free even though I should have closed a long time ago. I'm on disability. I have my 9 yr old grandson I'm raising who has ADHD and I need these things. I would like anyone in FL who wants to get with me to put a stop to this.

The dreaded day arrived that I was not going to be able to meet my monthly payment. Amanda, Stephanie, Thomas and Justin (especially) had all spoken to me about applying for Loss Mitigation. It was Clayton who helped me via telephone to fill out the required information. I was told it could take 30 days to be approved so in a stupor of depression I thought my excellent record was about to take a dive to the bottom. When I called to tell 21st Mortgage that it was the case on the 30th of this month I was told by Will ** that I was approved and that 21st would pay my installment for two months!

I'm very upset with this company. Instead of helping you they screwed you up. I got approve for a loan with the 10% down payment. So I start looking for houses, find the right one for me and my family. I always send the paperwork on time. Did everything they asked like the appraisal, inspection, termite and insurance. I sign pretty much all the papers for escrow and when I was at 2 week to receive the last paperwork and pretty much the keys, they asked for the 20% down payment because their internal score went down.

I've seen a lot of bad reviews, but when I recently fell 2 months behind, they worked with me to get caught up and even offered assistance with my current financial planning. Maybe I just got lucky having a great account rep, but I am very happy with the service they provide.

I have nothing but great things to say about this company! Amber ** and Henry ** really helped me out when I needed it the most... My suggestion is to go ahead and answer the call and talk because they really want to help you.. but they need to know what is going on. I really can only say things about this company and the people who work in the finance department.

I bought my mobile home in 2007. I didn't apply for a loan with 21st Mortgage, my mortgage was sold to them, don't recall what year it was sold to them. I would recommend 21st Mortgage to anyone. They are a good company and willing to work with you if you cannot make your payments on time as long as you are making the arrangements and keeping your promise on the day that you were going to send it to them. My counselor rep is Kristina ** at 21st Mortgage and if I have a problem and I cannot make my payments on time, I'm honest with her and I tell her exactly when I'm going to send it she takes my payment arrangement with no problem.

21st is the worst of the worst company and people who work for them. We are buying our home and due to my husband having already two heart attacks he had to have a defibrillator put in which meant time off work - only little disability income we got behind. They called every day and said we had to find the money somewhere, what were we doing with the money. What kind of bills we had, did we have family that would help, could we sell something. I was not working at the kind due to company closes and they asked "are you looking for work?" These people are very rude, mean, uncaring. The other company we had our mortgage with sold ours to 21st and we had nothing to say about it. I think there needs to be a law against companies doing that. I really hope 21st and all the people with the company have karma come to them and they lose everything they have.

This company is very rude. They make you feel like an idiot. I have only been over 30 days twice in the length of our loan. My husband is self-employed so sometimes we may not have our payment there on the 1st or even the 15th. But each time I have to go into complete detail and God forbid something comes up with my bank and other utility payments that I have I have no credit cards. They always are very kind and set it up to be received within 30 days. I have spoken with several different ones and always the same. Yesterday I was told to borrow the money or sell something in order to make my payment on Monday when I told them I would be making it on Wednesday. Very very rude. Will never do business with them again. As soon as I can refinance I will.

My husband and I have had 21st for going on 3 yrs and we just got our new escrow statement. They can't give me a reason why things that they have down aren't adding up. There is a huge amount missing and they can't or won't give me an answer as to why. We were never told about the escrow account being for the life of the loan or anything. Plus what we have been paying in on our mortgage, it hasn't gone down much at all. If we would have known about this company before we decided to buy our home we would have never signed the papers.

I wholeheartedly discourage people from using 21st. We purchased our home in 2005. We had to file bankruptcy in 2008. They came onto private family owned property without permission where the guy said he had "every right" to be there. Untrue, especially in Texas. They completely refused to work with us and when I asked for a loan modification to help out our situation they stated they did not do those. They even refused the bi-weekly payments and made us start paying monthly instead. The calls are constant even when they know we pay at the end of the month (payment is due on the 15th).

After reading several negative reviews about 21st Mortgage and having limited access to manufactured home lenders, I was very worried about going with 21st Mortgage. But to my "DELIGHT" I found 21st Mortgage and my representative Jonathan very easy to work with. Jonathan was very professional and knowledgeable about his product. Over the years I have owned several homes, and one custom. This was my first manufactured home, and I found NO difference between manufactured home and standard home lender. Jonathan worked very close with my realtor and both completed the loan within matter of weeks and we had zero problems.. Would I recommend 21st Mortgage? 1000% Yes. Would I suggest Jonathan? 1000% Yes.

I have been dealing with 21st for the past 3 years. They make you feel like you are no more important than a grain of sand and belittle you. They are rude and badger you with questions about where your money goes and harass you weekly to daily if you are a week or two late. You have to repeat everything twice over them again to their supervisor after every phone call and the supervisor is always more rude. I literally had the manager tell me to let my toddler go without Pull-Ups and milk for two days all because they wouldn’t wait two more days for a payment and she told me to tell him "he has to go without because I have to pay my mortgage and mommy was behind". Do not go through 21st. I wish I had never agreed to a contract with them. They are horrible, cruel, nosey and harass you. If you want a company that makes you feel like you’re nothing for being broke then go for it. They are great at that.

This company is a joke. They are rude and very uncaring to their clients. I am a single mom living paycheck to paycheck to make mends meet and they don't give a **. I hope each and everyone of them rot in hell. I do not recommend anyone to use this company ever. Karma is a ** and it will one day come back and bite them in the **.

We have had a lot of problems since we purchased this home. They are usually very nice about working with us, but today my wife, Judy, called and talked to Thomas and he then told her she needed to speak to his supervisor, Carol or Carla, and she was asking personal questions about our health and Judy told her that was personal and she had no right to ask. She preceded to say she had every right to know what our health problems are. I started telling her and she then said "I don't have to know all that personal stuff."

These people could care less about any kind of deadline or scheduled closing date. They screwed up my deal so bad I fell out of escrow, had to move twice and lost thousands of dollars in moving fees and rent. If you have no choice but to use this company because you want to buy a mobile home don't buy it. It is not worth the headache. This company should not be allowed to practice any kind of business with their attitude let alone life changing situations like mortgages. I wanted to give zero stars but it only allows one as the lowest.

This is the rudest company I've ever met. I am renting to own a trailer. When I moved in I was told the rent was current then when I go to make the next payment I was told it's a month behind so now they hound me every day and threaten me. I made arrangements to make a payment twice a month and I was 2 days late because of the way I got paid. Talked to the rudest guy today. He wouldn't even take my payment - just being extremely rude to me. I had to speak with a supervisor just to make a payment. This is not good customer service at all and I work in customer service so I should know. I will never do business with these people again.

After agreeing on an amount for a mobile home with Ben **, he said I would receive a contract. After 5 days of not receiving the contract I called to find out what happened to the contract. They told me they got a better offer, but did not contact me to let me know. I spoke with James ** the sales manager about what happened. He told me that is what his staff is suppose to do, not call back and waste their time to notify if they get a higher offer even after agreeing on a price and a contract is suppose to be on the way.

I hope and pray everyone that works there burn in hell!! They foreclosed and sold our home and land!! In August of 2014 I had throat cancer and we could catch up and they had no compassion. I pray now that no one uses them!!! This was family land that the mobile home was on!!! Please never use them!!!

I have to say that everything people have stated about 21st is true. These people are some of the most innovating and unprofessional people I know. They need to be put out of business with their practices. I hope they are shut down! Harassing people and telling people to borrow money from coworkers to pay them.... Ignorant as hell.

I went to a manufacturer home place in Louisiana. I must admit my credit it's not the best but at the same time it's not the worst. I wanted the home and land package, it came up to 111,200.00. They wanted us to put down 39,200.00 that would leave a balance of 72000. Okay. These people wanted me to pay back 230,000 on a TRAILER. Hell no, I refused. That's highway robbery, that's way too much of money!!!

My loan with 21st Mortgage was sold to them and that is how I got stuck with them. Yes I agree with the others, that they are the rudest, selfless, cold blooded, and no remorse people I have ever spoken to. The Manager is the worst person to speak to and he makes you feel like you are the worst person in the world and the most ungrateful one at that. He made me promise that I would make the payment for my house vs. get my husband medication for him. My husband is terminal with a brain disease and he didn't want me to get his medicine!!!

Generally I have been on time with my payment. In November 2014 I was hurt, had surgery. ** was working with me and appreciate the help with payments. Just started getting my disability. They refuse to understand my situation. Tell me to downsize my car. Then when I was asked if car lender was working with me, which they are, I said yes. Supervisor's response was "I doubt that". So I said "You're calling me a liar". He said was not. Sure sounded like it to me. My response was "You can KISS MY **", then hung up. Tired of the bully tactics.

I have a mortgage with them for the being they are Rude. I have always been on time until the last couple of months my husband lost his job and I had a little income coming in so I call to see if they would work with me and they call to you like you're the lowest piece of trash and they don't care about any Situation you're in. They once told me that if I cared about my children I would make sure to pay my mortgage instead of feeding them because a roof over their heads were more important. I wish I had never signed up with them.

This company is horrible. We bought our home last August, I was already in the process of filing disability but did some off and on work for my dad so I had a little income. After we bought the house I got very ill and was told that I couldn't go back to work. My husband has been handling all of our bills with just his income. We missed March's payment and called the beginning of April to make the payment. They refused the payments and said that we had to make March and April's payment at the same time.

Called in to get last payment date for loan. First lady said I had 4 payments due which I thought next one was it. Then she comes back on and tells me there are 16 more plus 400 some dollars from missed payments in 1999 which no one told me were missed and do not know how they could as I get it auto taken out. I will never deal with these crooks again and would advise anyone to avoid them at all costs. They have tried to tack insurance on to house every year and I already have insurance on house.

21st Mortgage is very rude. They do not want to work with you. They want to foreclose on your house when you want one extra week. They don't care about what you are going through to get to this point... I will never recommend anybody to go with them at all. The manager there is very rude. He will hang up on you. Don't go with them.

After 11 years with 21st Mortgage for some reason they didn't get my payment on time. The day after the due date I started getting phone calls from some ** telling me it was late, I was a liar and didn't mail it? (11 yrs on time NEVER late in top of paying.) Few thousand extra in principal? ** company, would never recommend. Should be investigated by the FTC for unfair and deceptive trade practices.

21st mortgage suck. I would not even tell a dead dog to buy from them. They are the rudest people you can ever talk to. I told them that my mother was about to die and they told me that it was not their problem, they just wanted their money. They ask me could my mother ask someone for some money so the house note can get paid.

Is the worst company we had - too many problems: Harassment. Bad character. Takes 6 months - they released the check the insurance send for repairs. They want a certificate personal without charge of money to buy materials and when the contractor finish, he needs send pics to mortgage and if they agree is ok, they send him his money! (Hello nobody works like that manner.) I want make a plan to tried to finish - you paid my loan as soon is possible and they don't want help to make a plan. They want the phone # work of my husband. SERIOUSLY, IS THE WORST COMPANY I EVER HAD TO DEAL.

My husband and I both have individual homes we have mortgaged with 21st. We send our payments in each month on time. They call constantly asking where our payments are even before the due date and then 3 weeks go by and they "still haven't received our payments". Every single month. ** from there was my rep and each month she would not only call me all day long, she would text me! I told her to stop on many occasions. What company texts their clients!?! I asked to speak with her boss. He told me he wanted me to call them weekly for updates on the status of my payments as to when I would be sending in my payments. I told him I will not to any such thing then he called me difficult and said I wasn't being helpful. She continued to text and call me all day long for days at a time until I finally blocked her from my phone.

I am unemployed and in the process of filing for disability. I am struggling between not having payment on my mobile home and keeping up lot sent. This is my very first home I have bought, and believe me when I say it's nothing fancy. 21St mortgage company will not take minimal payment and call daily making me so upset. Just repeating that I need to make a payment today, over and over until I hang up. They ask where my money event, what I spent it on. I was even asked what was my plan to vacate the home. I have lived in the same trailer park for 20+ years, it's not like I plan to go anyplace.

We have lived in our house for 4 years now and it has pretty much been non stop issues with this company. We have had them call us and threaten to take our home away even though we were only a couple weeks late with our payment. They're aggressive and if you don't answer their phone call they will redial your number 2 or 3 more times to see if you'll answer. It's harassment. Also if we call to make a payment and it's late they will REFUSE to take our payment at that time and we have to call back later and hope that a nicer person answers the phone. I am beyond fed up with this company and would do anything to get out from underneath this stupid mortgage.

I have a mortgage with these so called professional people and every month they call me asking where my payment is, now the payment is not late but they call anyway. I told them that I needed to change my due date and they told me that it was not possible that they made all payments due on the first which is a lie. I have tried talking to these people but you cannot communicate with them. They are the rudest company I have ever had to deal with.

I have been with 21st mortgage since 2007!!! This company violates all civil rights!!! I always ignore the calls only because every time I have spoken with them about arrangements, they always threaten to take my home and ask very personal questions! My husband contacted me today very upset and said that ** with 21st mortgage has contacted his employer’s home and this is a family ran business and the lady that does payroll, contacted my husband, chewing him out, wanting to know why is his personal debts calling the company to leave a message for him. We have never told 21st mortgage to call and leave messages for us, but when they called me today, I spoke with ** and told her NOT to ever call my husband's job ever again!!!

This company was only ever nice in an email conversation. Email conversation was only after it went into legal matters. The first guy who represented them for calling me would call anywhere from 2-10x a day if I was even 2 days late. "I'm sorry things happen, I'm willing to pay the late fee." He did not accept anything I ever said. He 1x told me not to pay my lot rent (I was purchasing a trailer using 21st Mortgage Corporation) and to pay them instead. He also told me to borrow off everyone I know. He then proceeded to tell me to get a title loan to my vehicle to pay them. Let's just put me more in debt I thought. I found out this was illegal.

This is the worst company I have ever dealt with. They think that they should be the only bill I pay. I shouldn't pay utilities because if I don't have a home, I don't need utilities, but I say if I don't have utilities, I don't need the home, which has some kind of defect. They tell me things like, "can you sell anything in your home to make a payment." I work as a seasonal worker at a shrimp factory. They knew my situation when they took my 20 thousand dollar down payment. They try to intimidate you but I have no one that can help me. I live on a poverty level like 12-15 thousand a year. I'm doing the best I can while trying to pay other bills and raise my grandson whose mother died. If it wouldn't be for the food stamps, I don't know how we would eat.

I was explaining why I was a week behind, and the staff started belittling, and bullying me. They asked me personal questions that nothing to do with my account.

Call to make payment on past due amount. Talk to service rep, make payment then they always want you to talk to supervisor. These people are the rudest people asking questions like why is your bank not depositing the second you deposit your check. The questions they ask are wrong. As a business owner I would never dream of asking my customers these things. I didn't sign contracts with them, they bought the loan. If this people can't treat people as people I will never deal with this company ever again.

Do not get a mortgage through this company! They are the rudest, unprofessional, and will harass you for being a few weeks late! We have had our mortgage for two years through Twenty First Mortgage and have never been late until January 2015 payment. I called the automatic number to pay 80% of our mortgage two weeks into January and it wouldn't allow me to pay the 80%, so customer service transferred me to a gentleman that asked me why I couldn't make the full payment. I told him my husband was laid off and we would call the next week to make the rest of the payment. Then the harassment began by him asking myself, why didn't my husband have a job, what are we going to do for the February payment, why wasn't I working (I'm not even on the loan), how much is our tax refund going to be, and so on. I hung up and my husband ended up calling and making the payment.

My agent Chad ** call my ex-husband and told him I was behind on my payment. He is not even on the loan. I must agree this is the rudest group of people I ever met. One has even call me stupid for getting behind on a payment. If you make a payment they wanna know when the next one is gonna be made and it’s not even due!!!

After I relinquished the mobile home back to 21st Mortgage 4 years ago, I am now in a position to start over and purchase a new home. I live in the state of California so 21st Mortgage cannot pursue me for the discrepancy of the original loan. I needed them to complete a Verification of Mortgage for my new lender. Instead of checking the box for "Mortgage" the Recovery Clerk had wrote in "Installment" as the type of loan I had. BEWARE!!! If this happens to you do not accept it! A lender can come back after you at any point in time on an installment loan.

If I could give them no stars that would be my rating!!! I called them in December to get the payoff for my loan, roughly 6300.00. I sent out the check on Friday via express certified mail. Called them on monday to see if they have posted the payment and nothing. Called again on tuesday and he said "Yes we have received your check" but guess what as I was speaking to you on friday the property taxes were paid for 2015. Now you have an additional 250 to pay.

I have had my mobile home for getting ready to be a year here in a few days. I've never been late on my payments ever. Well for my January payment I tried paying it in halfs. I had NO idea it couldn't be done. I paid one half on the 12th (usually due the 15th and considered late after the 1st of the following month). I went to pay my second payment on the 23rd it wouldn't allow me too. It was my FULL amount.

I have a mobile home financed through this company only because my loan was sold to them at some point, NOT because I would have chosen them. I have dealt with them 10-12 years. For quite some time I've had to pay on the 4th Wednesday of each month. At one point, Melissa called and I was explaining that the reason I could not pay then was due to the fact that my mother was just killed in an auto accident. Melissa stopped me and said "Carolyn, Carolyn! I really don't care; I just want your payment." At another time, she called my sister and told her that "we will come put wheels on her home and move it out!" (I was one payment late). I refuse to EVER speak with them again - even if I must have an attorney.

Was contacted today for payment. I am 11 days late at the moment and have explained to them multiple times that we are doing the best we can but they continue to harass and interrogate us. I was laid off last month due to contacting issues with the state. I explained that in 2 weeks I will be back to work and have income taxes to get caught and and not have this issue again. Sam the man that called continued to bombard me with questions about why I can pay now even though I have explained. I asked to speak with a supervisor.

Well there was a ad on their website for a piece of property for sale. I had went to go see property and it was about to get dark when I arrived at property but did get to see it. Called 21st up while I was at property, got a run down and was told call back first thing morning. Next morning I'm on phone with guys, name I won't mention. He had stated 7500 for this property it was foreclosed on. Well basically what happened, I agreed on a set price of 7500 cash. Ok now, that was night I looked at property.

I have a loan with 21st mortgage. My home came out in November 17 it was not together for my family and I to live in until November 24th, I had a payment due on Dec. 1. I was made the payment on November 26 after talking to a rep and he stated you've had a walk through of the house and your payment will still be due on the 1st. I received a call today from a man rep and manager saying "you're going in to collection for being a 11 days late on your payment. What's your reason for being late. You're going to make this a long and hard time on this loan term. We gave you the money for your home and you can't make your payment." Rude and unprofessional. If you're seeking a home loan please don't use this company. While the beginning of this process you couldn't ask for better people.

They will repossess your home, being 2 months behind, ignore your phone calls and tell you to sell all your stuff and talk to you terrible. Lost a job and got behind, told them they be paid in full back up of behind payments in a month, and they said all 3 months had to be paid in full. Tried and tried to work out payment plan, nothing. Managers are rude and they sent someone out to get ready to repo. It's bull and they are a terrible company. If you had a medical condition, don't skip a payment or be late with these people. They are crazy and give you run around and also the whole office tells another story after another story - said it was abandoned and it's not.

I called them to ask if it was possible to do an electronic payment, because when I send the payment through the bank it usually takes about 5 days and they charge a $115.71 late fee. So I spoke with my bank and they told me to call 21st Mortgage Corp. to ask if they will accept an electronic payment. When I called them, first they put me on hold for 10 minutes, and then Karla answered with a very aggressive attitude. I asked for a supervisor and she told me that she was the supervisor (a lie), and so I asked for her supervisor again. I was then transferred to her supervisor, Dustin. Unfortunately, Dustin was even more aggressive than Karla. He shouted at me in defense of Karla's behavior and did not let me explain my purpose for calling, nor was I able to express my experience with Karla.

21st is reporting to credit bureau that we are behind in payments. They have been alerted by the Dealership, myself, Alabama Manufacturer d housing, and the manufacturer that the home that we ordered in 2013 was not properly done correct for us to move in until the last of March. We had payments due on a home that was not ours. 21st made us pay in MARCH before we moved in. We were paying rent, and utilities and had to pay for the new house that wasn't even ours, or ready for us to move in. The Dealership received there money... but we didn't get our home until the next year due to many mistakes. We were set up for automatic draft and because we stopped payment we were punished and told we had to go to Walmart and send money grams.

My story is pretty much like the reviews I have read. Trying to do what's right with 21st mortgage and to be honest with them, trying explain I would be a little late. Well let's just say, it does not work with company. I wish I had done my homework before dealing with them. But they do bait you in, they will be your best friend at first until you run into a finance problem and have to delay your payment by couple of weeks. Please stay AWAY!!!

We were preapproved to buy a cheaper mobile home than the one we live in now and have never been late on. We were told to get approval to buy the 10,000-dollar cheaper mobile home in another city we needed to sell our current home. We did, 3 weeks later after selling our home we were then told we were denied for a home loan. We are locating from Waterloo IA to Des Moines IA and this left me scrambling to keep my family from being homeless.

I called 21st Mortgage and asked them about doing a loan modification and they said we could not do one because we had filed bankruptcy in Texas. They said the only way that they would do one unless it was court order. The contact person we are dealing with is Robert. This man is not willing to work with us at all.

I called trying to buy a repossession from them. I was interested in 1 house. They keep calling about other houses and have given my info to a multitude of aggressive realtors trying to sell me garbage. I had to threaten legal action to stop some but 21st won't stop. Now they tell me they can call because they have a right to since I didn't end up buying that house. One customer rep says I owed a document fee for requesting to see the house.

Please see attached appeal and specifically, page 3, an email where 21st Mortgage says they will honor a prom note to release the lien - sellers WANT to pay the debt, but 21st Mortgage reneged on the prom note offer and are demanding $77,000 or nothing - forcing owners into foreclosure. They should honor what their employees’ offer in writing. Attorney Jeff ** says "He doesn't read the email the same way that I do" - there is no other way to read it! They LIED and are now ruining sellers credit. He is a retired colonel trying to do the right thing. 21st Mortgage bought this loan from GMAC for pennies on the dollar and are modular home and TRAILER park lenders - this is extortion. Also asking Senator Warner and CFPB for help!

In 2011, I bought a brand new double wide and financed through 21st on their "substantial" first time home buyers program... Three years after becoming a customer they now treat me like **. My first year note was 550 bucks. Second year rose to 800.... Third year dropped back to 550.... Now starting my fourth year it has risen again to 600. They have yet to explain why my note keeps changing! Plus after on time payments for 3 years I lost my job and was out of work for 2 months! I called today to make a payment by phone but they refused my attempt to pay because they want 2 payments today! I will be talking with a legal consultant!!

My father did a mortgage with these people. He has died. I had no idea until I was called by mistake. I am trying to pay these people but they are rude and not willing to work with you on any level. Worse company I ever dealt with. Do not do any business with them.

My bill is due on the first of each month with the late fee assessment period by the 17th. I have been making my payment in between the first and the 14th to avoid incurring any late fee. I receive a call from "Rebecca" asking me why I'm late. I tell her about how I make online payments and that one would be coming on the 14th. She goes on to say that even paying on the 2nd of the month is considered late and subject to collection calls. I equate the situation to an electric bill stating that late fees are only assessed after a certain date and that the electric company doesn't cut off my electricity if I pay on the 2nd of the month (due date of the 1st). She then counters that if my employer pays me two weeks late then that's late. I ask her how the two are even related. She then just circles back around to how even if I pay on the 2nd that my payment is considered late even though no late fees are assessed. I just said, "Mmmmmkay, goodbye". I wouldn't never refer anyone to use this company.

Never in our lives have we been so disrespected. Kenny @ 21st Mortgage stated to us untrue statements about our contract and then told us that his job is collections and not customer service. We are current, rated good clients of 21st Mortgage, to be talked to in such rudeness is unacceptable. We are currently changing to a different bank and will recommend that NO ONE ever receive a loan from 21st Mortgage. We owe approx $31,000 on our $79,000 loan. Many different times our monthly loan payment has increased without our knowledge then apply negative rates to our credit report when we question the charges. We signed a FIXED Mortgage Contract! The upper officers don't care about their clients. THEY WANT OUR PLACE BAD due to the value on our property. Our property is valued at $120,000 on the current market. I advise again to NOT get involved with this crooked establishment.

First my son and his wife bought a trailer and 21st Mortgage has the loan - wife left. Me and dad helped pay mortgage. Ronald, dad made his deed to his daughter and son - equal amount of land. But the closing lawyer never got my daughter to sign out her rights. There is two different contracts and something’s wrong on the deed but 21st says that doesn't have anything to do with it. Why doesn't it? Said we are 20 payments behind. Our land is going up for sale Nov. 3. If anyone can help me before Friday please. We have offered to turn trailer in and buy land back and they won't if you Call ** and ask for Ms. **. Thank you.

Right now my husband, Frank, and myself, Lindsey, are currently going Thru Chapter 13 bankruptcy, due to IRS issues. Frank owned his own business as a truck driver, which allows me to stay home with our 18-month-old Christopher. I bought a 1998 Crestridge 28x60 and had it financed with 21st Mortgage. We got the trailer shortly after I found out I was pregnant. But I was pushed into the sale quickly not knowing or negotiating anything at the time, but was told any issues within 90 days would be fixed. They fixed the minor repairs, but my main concern was the roof.

I lost my job in April and have had problems making the payments on time with unemployment and social security being my only income. My son and his family have moved in with me since he is out of work. I have sold my house and the buyer has delayed closing escrow a few times due to health problems. It will close on November 10th but 21st does not listen and keeps telling me it should close earlier. Very rude people in collections, have gone so far as to suggest I sell my blood to get money for the payments. I have borrowed money from friends and sold everything of value that I have. 21st does not care about anything except making their company wide goals. In less than 15 days the entire loan will be paid off.

We did an 80/20 mortgage with GMAC towards the end of their popularity. A few years later GMAC filed bankruptcy and sold the mortgage to 21st Mortgage. Since we've been a customer of 21st Mortgage, we have not received a single statement. I've inquired about this and they were extremely rude. Our payment is auto-paid every month. We've never had a single late payment with either GMAC or 21st. However they give us attitude when I request a simple statement.