
21st Mortgage Corporation Reviews

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About 21st Mortgage Corporation
21st Mortgage Corporation (NMLS #2280) is a full-service lender that helps people find and pay for mobile or manufactured homes. It offers loans for up to 100% of the cost of your home and land. 21st Mortgage operates in most of the U.S. but not in Alaska, Hawaii, Massachusetts or Rhode Island.
- Offers options for 100% financing
- Fixed interest rates
- Private mortgage insurance isn’t required
- Only available for manufactured and mobile homes
- No pre-qualifications or preapprovals
- No loans for properties in bad condition
21st Mortgage Corporation Reviews
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Reviewed March 5, 2025
21St Mortgage is an ok company but they have very poor customer service from their supervisors. Mathew talks over, doesn't listen, nor does he care about your situation. He only cares about getting your money, plus he will talk down to you. This isn't the first time that I've run into this problem with this company. When they call, I will respond by email, and they hate it because they can't bully you. Please shop around before using this company.
Reviewed March 3, 2025
I'm very pleased with the way Ms. ** has worked 💪 with me on helping us put a plan in place for catching up. Thank you Holly but not happy with the supervisors any of them and Holly did recoup me. Holly has been incredibly awesome and very kind. Thank you Ms. **.
Reviewed Feb. 26, 2025
Hilary was very helpful making a payment on the mortgage payment. Very pleasant and made it a smooth process. Her sup. Britney was able to also help her to assist me. They both made it quick and easy today. Very thankful for their assistance for helping me with my needs.
Reviewed Feb. 23, 2025
I was referred to 21st Mortgage Corporation through my realtor. My experience with them has been smooth and efficient, particularly appreciate their quick response and processing time. The application process was straightforward and comparable to that of other mortgage companies.
One aspect I wish could be improved is the interest rate, as having a lower rate would be beneficial. As for the loan officers, they were very helpful and knowledgeable, making the process easier for me by addressing any questions I had. Overall, I would highly recommend 21st Mortgage Corporation.
Reviewed Feb. 22, 2025
My experience with 21st Mortgage Corporation has been excellent. I initially learned about them because they specialize in manufactured home financing, and a realtor recommended their services to me. The mortgage process took almost four months because there was a transaction issue that required us to start over. Despite this, the lending officer I worked with was exceptional, always available, and responded to my messages in less than 24 hours, whether via email or phone. I didn't find any aspect of the process that needed improvement. I would definitely recommend 21st Mortgage Corporation to friends or family seeking manufactured home financing, as they facilitated greater housing opportunities for us.
Reviewed Feb. 22, 2025
I purchased a manufactured home financed through 21st Mortgage Corp. The mortgage process was smooth and easy, without any difficulties in following through. It took about a week and a half in total. Most of the communication was done online, so I didn't have much direct interaction with the loan officer. I opted for a new home loan program. Overall, the experience with 21st Mortgage was satisfactory and I would recommend them.
Reviewed Feb. 22, 2025
I chose 21st Mortgage Corp because they ran a credit check that was part of their process. My experience with them was great. The mortgage process was smooth, and the application took less than 30 days. Communication throughout was very good, and the entire process from start to finish was completed in about 40 days. The loan officer I worked with was very nice. Overall, my experience was great, though I did feel that the interest rates were a bit high, but I am fine with them since I can refinance later.
Reviewed Feb. 22, 2025
I initially heard about 21st Mortgage Corporation from a list provided by the trailer park where I purchased my trailer. I reviewed one other company before deciding to go with 21st Mortgage. I opted for a loan program, but I'm not entirely sure of the name.
The application process was incredibly slow, taking around four months for approval. They attributed this delay to the holidays but didn't provide substantial reasons. Throughout this period, getting in touch with a representative was quite challenging, and unfortunately, I was not impressed with their service.
I believe the lending experience could have been significantly improved by speeding up the process. I would rate my overall experience with 21st Mortgage Corporation as a one out of five, given that I was quite dissatisfied. When discussing my experience with friends or family, I would recommend trying a different mortgage company.
My primary concern was that the company did not seem to prioritize their customers or show a sense of urgency in finalizing the deal, even though I frequently reached out for updates.
Reviewed Feb. 19, 2025
This company baits you in telling you are approved, asking for documents and proof of income, then before closing they pull funding. Be very cautious about this company. Was working with Titan Homes in Texas. Even the sale manger couldn't get answers on why they backed out of the deal.
Reviewed Feb. 14, 2025
Kella has been my account manager at 21st Mortgage for the past six months, and she has been absolutely amazing. She is not only knowledgeable but also incredibly patient and understanding. Whenever I’ve had questions or didn’t fully grasp certain aspects of the process, she has taken the time to explain everything clearly, ensuring I feel confident in my decisions. As a first-time homebuyer, this journey could have been overwhelming, but Kella has made it so much easier with her kindness, professionalism, and dedication. I truly appreciate her support and highly recommend her to anyone navigating this process!
Reviewed Feb. 12, 2025
I recently dealt with 21st Mortgage to secure a loan for a manufactured home from the late 70s, which posed a challenge as not many mortgage companies cater to such properties. Overall, my experience was mixed. My loan officer, Ryan Doolan, exhibited exceptional professionalism. He was responsive, and even his assistants were helpful whenever he was unavailable. However, the process was marred by a negative interaction with another staff member, Aubrey Cahill, which nearly resulted in me being homeless for a few days. This was due to her lack of timely action in processing essential documents. Despite repeated follow-ups from my real estate agent, the title company, and even internally from 21st Mortgage, it wasn't until I insisted on speaking to a supervisor that things finally moved forward.
There were additional complications as my original insurance broker failed to submit necessary paperwork, which led me to opt for the insurance proposal provided by 21st Mortgage. This change caused delays due to time differences, and although all documents were ready by Friday morning, they languished on someone's desk until I intervened directly. Apart from this ordeal, I found the interest rate offered by 21st Mortgage to be unreasonably high—a significant jump from my previous rate of 3.2% to 9.8%, despite a credit score of 730. Attempts to refinance through other companies were thwarted by the age of the manufactured home, leaving me with steep monthly payments.
Reviewed Feb. 12, 2025
I engaged with 21st Mortgage Corporation while in the process of relocating to Illinois due to new job opportunities for myself and my fiance. I discovered 21st Mortgage through a simple online search, and despite some hiccups, I am quite satisfied with their service. Initially, I found the process to be a bit slow, primarily because they only have one office in Tennessee. We had to send documents for wet signatures through the mail, which seemed outdated considering the technology available today.
The lending process itself was fairly smooth, although it was lengthened due to my job transition. 21st Mortgage waited until I received my first paycheck in the new position, which was understandable. Their team was responsive, and Kayla, in particular, was very helpful. She consistently communicated what was needed and why, which provided clarity throughout the process. Moreover, I appreciated their online application process, as it allowed me to quickly upload the necessary information. Communication was my top priority, and they met my expectations effectively. While we faced multiple life changes such as moving and starting new jobs, 21st Mortgage facilitated our transition smoothly. Although the interest rates were higher than expected, they seemed to align with the current market rates.
Reviewed Feb. 12, 2025
I was a first-time homebuyer trying to get a manufactured home, and I decided to go with 21st Mortgage after receiving recommendations from a couple of friends. The loan process wasn't too difficult. Once I found out about 21st Mortgage, I got their contact number from my Realtor and called the company. They guided me through each step of the loan process. It took about a month, mainly due to delays from the seller and some technical difficulties on our end.
The loan consultant provided excellent service, and I didn't always have to reach out or figure stuff out. He frequently checked in to ensure everything was on track and walked me through anything if I was stuck. I had to upload documents through their website, which was easy to use.
If a friend asked about 21st Mortgage, I'd tell them that it's a great service with an easy process to go through. 21st gets it done asap, so they'd be in good hands. Overall, my experience was positive, and I would recommend them. The customer service and the consultant's assistance were excellent. While I rate the price and annual percentage rate as a 4 out of 5, the website's ease of use deserved a perfect score.
Reviewed Feb. 12, 2025
I had two friends that used 21st Mortgage, so I figured I'd give them a shot. I'm glad I did, because my realtor liked them. My whole experience was impressive, and my realtor has even started referring others to them. Everything was quick, easy, and very well set up. It took about 6 weeks—faster than I expected.
The loan officer I dealt with was fantastic. He responded to all my questions promptly via email and handled most of the process seamlessly, leaving me with few questions to ask. It was a straightforward home loan process and communication was well.
Overall, I would rate my experience with 21st Mortgage as a 5 out of 5. The customer service and quality of service from the loan officer were top-notch, and I found the costs to be quite standard. Their website was also very user-friendly, earning another 5 out of 5 from me. I highly recommend them.
Reviewed Feb. 12, 2025
I conducted a bit of research and based on reviews, 21st Mortgage seemed like a solid choice for a mortgage. When I signed up, the entire process was pretty straightforward. The hard part was getting everything together, but submitting the documents was easy. My loan officer, Tyler, was incredibly helpful and responsive, making the experience even better. I would recommend 21st Mortgage to anyone considering getting a mortgage.
Reviewed Feb. 12, 2025
I recently worked with 21st Mortgage Corporation to secure a mortgage for buying another home. The entire process was smooth and efficient. The application didn't take long at all.
I worked with Ken and he was incredibly helpful throughout the process. I was also satisfied with the speed of the process.
Overall, it was a good experience, and I would certainly recommend 21st Mortgage to others.
Reviewed Feb. 12, 2025
I recently worked with 21st Mortgage when buying a manufactured home. My experience was not the best, particularly with our loan officer, Teresa. We found the process unclear and had to figure out many details on our own. Teresa wasn't present during the signing, and there was no follow-up from her. Fortunately, the seller's loan officer helped us throughout the process.
Regarding the rates from 21st Mortgage, they were quite high, but considering the current economy, I'm satisfied with what we secured. One aspect I did appreciate was their online portal, which was user-friendly, though it could benefit from a bit more organization.
Overall, I would rate my experience with 21st Mortgage as a 3 out of 5. Their customer service, particularly with Teresa, would get a 1, but their online service would receive a 4.
Reviewed Feb. 12, 2025
I chose 21st Mortgage because of my agent's recommendation. The lending process was fast and not difficult at all. Initially, I thought it would be complicated, but everything was straightforward. Signing documents and receiving emails was a quick process.
The rep I worked with was quite professional and helpful. If I were to rate my experience with 21st Mortgage, I would definitely recommend them to others. This was my first time going through such a process, and it turned out to be easy.
Reviewed Feb. 11, 2025
My experience with 21st Mortgage Corporation has been overwhelmingly positive. I recently purchased my first home, a modular, through them. The process was smooth and efficient, thanks to the exceptional service from my loan consultant who communicated brilliantly at every step. The convenience of making mortgage payments online was a major plus—no hidden fees, which is rare compared to other lenders I considered.
The interest rate I received was middle-of-the-road, which is acceptable for my loan type. While I hope to refinance if rates drop, I'm currently content with where they stand. I highly recommend 21st Mortgage to friends and family due to their supportive and efficient service, making the approval process straightforward as they handled everything once I provided the necessary information.
Reviewed Feb. 11, 2025
I recently secured a mortgage through 21st Mortgage Corporation for a mobile home, and the experience was somewhat mixed. I chose them because not many mortgage companies are willing to finance mobile homes. The overall process was quite long and drawn out, which was a bit off-putting. Unlike my previous experience purchasing a regular home, which was straightforward, this time involved a lot of back and forth with a broker since there's no local 21st Mortgage office in West Virginia.
The closing process was particularly tedious. After signing all the necessary documents and providing the down payment at the broker's office, I still had to wait for the paperwork to be sent to 21st Mortgage, reviewed, and finalized, which delayed my move-in by about a week, despite everything supposedly being completed.
Despite these frustrations, 21st Mortgage consistently stayed in touch, providing updates and being readily available for any questions I had without long wait times. While the process coincided with holidays, which contributed to delays, the requirement to go back and forth between the broker and 21st Mortgage could have been smoother and faster.
Reviewed Feb. 11, 2025
I chose 21st Mortgage because other companies had higher requirements. 21st Mortgage was willing to work with me and my credit score, making it possible for me to find something suitable. The application process was easy, and they were very helpful whenever I needed guidance or assistance. I could call them and they would promptly help me out. The loan officer, Trevor, was a great help throughout the process. Overall, I had a very positive experience and would rate them 5 stars.
Reviewed Feb. 11, 2025
I recently worked with 21st Mortgage Corporation as a repeat customer, choosing them again due to a hassle-free previous experience. They specialize in financing modular homes, and their process remained straightforward and efficient. The staff was courteous, and I felt like they truly valued my business, which is why I would consider being a lifelong customer. The loan officer assigned to me was particularly impressive. He promptly updated me, quickly responded to my requests, and handled every inquiry with exceptional speed—sometimes resolving questions within hours. This attentiveness and clarity made the entire process easy, similar to my past experiences with them. While the rates were a bit high, they are what I expected for this type of property. If friends or family asked me about 21st Mortgage, I'd encourage them to apply since I've encountered no negatives.
Reviewed Feb. 11, 2025
I found the people at 21st Mortgage helpful and easy to work with. For sure would recommend them! Being states apart, I was surprised how efficient they were and kept me up to date almost daily., answered all my questions and concerns promptly. I am sure I will use them again someday!
Reviewed Feb. 11, 2025
I went through the mortgage process with 21st Mortgage Corp to purchase a modular home in a 55+ community. Initially, I was apprehensive because the company is out-of-state in Tennessee, but they ultimately approved me. The entire process took from October to January, which was delayed primarily due to issues with the seller taking time off for holidays and complications with the title transfer. The application process was mostly online and relatively simple, although challenging for me due to receiving a lot of cash tips from my driving job. This required me to have my friend cosign, which I was hesitant about. Communication primarily happened through their app, which could be more user-friendly as it often required me to repeatedly check for updates. When I had questions, I had to call Dylan, the loan officer, who was thorough and knowledgeable.
I was required to submit a weekly pay stub, which was tedious. Despite these hurdles, the experience was positive overall, and I would rate my experience with the company as a 4 out of 5. The mortgage allowed me to secure my little house, conveniently four doors down from my sister in a lovely community setting, which has been life-changing and rewarding. I'm satisfied and would recommend 21st Mortgage Corp to others looking for similar home financing solutions.
Reviewed Feb. 11, 2025
A mobile home agent recommended 21st Mortgage and when I signed up with them, their application process was longer than I expected. Most communication was done by email and phone, and there were a lot of questions involved. It also felt more intense than I anticipated.
Reviewed Feb. 7, 2025
We had a great experience with Ryan and his team. They were prompt with responses to any questions and reviewed all submissions quickly. They were easy to contact and would call back in a timely manner. We never had an issue with the requirements and other things needed to complete our profile.
Reviewed Feb. 6, 2025
Ryan was wonderful to work with. Very prompt answering questions and I had lots of them. Kept account updated as documents were sent in. He was willing to help the seller with their questions and concerns as well. No regrets and will tell others looking for financing about 21st Mortgage. Thanks a bunch I now have my own home.
Reviewed Feb. 6, 2025
Well you apply for your loan. And in my case they contacted the next day. There is no realtor. You do all the paperwork and send it in to them. In my case they helped me through just about anything I needed help with. Very patient and direct to me. It all done through emails and phone calls.
Reviewed Feb. 6, 2025
My wife and I were very happy with our refinance experience. Every step of the process was explained to us, and we received quick responses to our questions, and we were constantly updated. Ryan ** was our loan Originator. He was very knowledgeable and helpful. Ryan ** also helped us with questions we had. He was very patient and helpful.
Reviewed Feb. 6, 2025
My experience with 21st Mortgage was excellent. My mortgage broker Brian ** was professional and friendly. Always available to me. If he was out of the office, then one of his associates was available to help or answer any question I might have had. I would highly recommend 21st Mortgage.
