21st Mortgage Corporation Reviews

Speaking of rates, the terms I got were adequate at the time, even though they weren't the best possible rates in the market. Nonetheless, it significantly improved from my prior loan with better terms, even if it extended my mortgage to 30 years to keep the payments manageable.

The standout aspect was certainly the efficiency and knowledgeability of Brian in handling my application. Any time someone else stepped in, it became a bit chaotic with inconsistencies forcing me to repeat tasks multiple times. It felt like some processes required my involvement more than necessary, almost like I was doing their legwork. As for using their online portal, while it offers security with device validations, it was somewhat inconvenient to repeatedly verify login on the same device within short intervals. I specifically appreciate Brian's input, whose exemplary service I would rate five stars any day.

The application and underwriting process took about two weeks, primarily due to some back-and-forth negotiations. Impressively, we found ourselves comfortably moved into our new house within a month.

The professionalism of 21st Mortgage stood out, as any concerns or questions were met with honest and direct answers. They didn't give false hope or lead us astray. Their transparency about the process and what we qualified for was appreciated, making sure everything was understandable.

Though I didn’t have much personal interaction with our loan officer beyond the basics, I appreciated the calm and secure manner in which he handled everything. His professionalism built a sense of trust, and I felt comfortable reaching out to him whenever needed.

Overall, 21st Mortgage had a positive impact on our lives, mainly through the ease and stress-free nature of the experience. My comfort level throughout the process was high due to their supportive and straightforward approach.

Their website was also informative, providing clear instructions and details on required documents, which made the entire process smoother. The assistance Dylan provided was invaluable, as he asked important questions that I hadn’t even considered. He really helped me understand the process, including what to expect regarding inspections and other pertinent details. His support was like having a guardian angel there to guide me through such a daunting journey.

For anyone considering 21st Mortgage, especially if you're feeling uncertain, I would highly recommend them. They cover all bases and alleviate the stress involved in the process of securing a home loan. Thanks to their commitment to customer satisfaction, I'm now a homeowner.

Overall, this was a fantastic experience, and I truly appreciate the support from Dylan and the 21st Mortgage team in helping me realize my dream of owning a home.

Throughout the process, it seemed the agent from 21st Mortgage was not adequately communicative. When I needed clarity as a first-time buyer, the communication gaps added needless stress. I made it clear that as someone not well-versed in the home-buying process, I needed clearer guidance. The lack of assistance was frustrating, with the attitude seemingly left for me to figure things out alone.

Overall, I rated my experience a 3 due to these issues. Customer service felt problematic, earning a 2; however, using their website was straightforward, which I rated a 5. Although I didn't get a chance to compare, I'm content with our mortgage costs and interest.

The process of obtaining my mortgage took longer than initially promised, though. It was meant to be a 60-day process but extended further as they requested additional documents multiple times. Although this was somewhat frustrating, I understood the necessity for thoroughness and the importance of ensuring everything was clear and legitimate.

My interactions with the loan officer were exceptionally positive. The officer was very professional and maintained effective communication, answering questions and walking me through any concerns. This made a big difference and left a lasting impression of professionalism and support.

Ultimately, despite the drawn-out process, everything ended well, and I am now a happily settled homeowner. I would definitely recommend 21st Mortgage to anyone considering taking out a mortgage through them.

There seemed to be considerable delays as they failed to communicate in a timely manner. For example, I often waited days before I was informed of something crucial, and even had situations where I was assured of a closing date only to find out last minute about paperwork I needed to review days in advance. This lack of communication extended the process needlessly into another week.

My main issue with 21st Mortgage has been their lack of effective communication. I found myself having to be proactive to move things along, which seemed inappropriate given it should have been their responsibility to keep me informed. While the overall lending process, aside from these communication hurdles, went smoothly, there’s definitely room for improvement on their part.

Overall, given these experiences, I’d rate my experience in the middle range.

While I initially received comprehensive information about the first-time buyer loan process, this was overshadowed by the later communication challenges. Ultimately, I would suggest considering 21st Mortgage if you're in urgent need of a home loan, yet it's crucial to be aware it might involve significant waiting periods.

Regarding their offerings, I would rate my overall experience at 3 out of 5 stars. The online document uploading service was efficient and user-friendly, and the fees were reasonable, earning a 5 out of 5. The APR was higher than expected though and I was a little shocked.

While my Annual Percentage Rate felt a bit steep, it remained manageable, and it's hard to compare since it's my first time dealing with such things. As for uploading documents, I relied heavily on my realtor's help, making the whole process easier for me.

What's great is that I’m about to send my first payment next month, and even though we didn’t opt into any specific mortgage program, I’d rate my experience a perfect score because everything was managed well. Navigating their online tools and email communication was also straightforward. All in all, my experience with 21st Mortgage has been positive, and their service deserves recognition.

The whole process of obtaining the mortgage was unexpectedly smooth and straightforward, especially considering it was our first experience with this kind of financial endeavor. They handled direct communications with the property owner, which was a huge relief for us as we were a bit anxious about that part. In terms of timeframe, once we got all our documentation in order, the process moved quite swiftly—closing took about two months from the start.

However, navigating through the closing phase felt slightly disorganized. We had numerous questions about when our first payment would start, and it was initially unclear who we should reach out to for answers. This did cause a bit of confusion. Nonetheless, the representatives from 21st Mortgage were nothing short of professional. They consistently provided courteous and responsive service, making sure our concerns were addressed. I've recommended 21st Mortgage Corporation to friends needing similar financial assistance.

The overall process wrapped up in 30 days, which felt reasonable. Throughout, my rep was supportive, conducting routine check-ins to ensure everything was on track and offering assistance whenever necessary. In terms of rates, they provided a fair deal.

I’d recommend 21st Mortgage Corporation to family and friends if they are in the market. Their team was friendly and consistently ensured I was comfortable and informed.

21st Mortgage consistently impressed me with their efficiency, particularly after I secured my insurance with them. They demonstrated excellent organization and seamless execution. I'd rate my experience highly because of these factors, despite facing a minor issue related to receiving a credit refund, which is still under discussion.

Interactions with their team were pleasant, and I found their services to be fairly priced. Navigating their online services was smooth and user-friendly; I'd rate it 5 out of 5 for ease of use and clarity. Overall, while there are areas like credit refund processing needing improvement, I can comfortably recommend 21st Mortgage for their swift and organized services.

I was impressed by how familiar I was with their processes, which made everything more straightforward. The representatives were efficient, ensuring the progression was seamless. This refinancing provided a beneficial update with an annual percentage rate lower than I initially anticipated, despite concerns over potential changes by the Fed.

Overall, I would give my experience a top score because everything went as expected, and the service quality and communication were excellent. The pricing felt fair enough for me to give it a 4 out of 5.

Although closing took around two months due to the seller's vacation and the complexities of signing over the title from Canada, 21st Mortgage was incredibly understanding and communicative. They did a fantastic job explaining the process and communicating any updates. I had zero complaints about their service and their personnel.

I was impressed with how supportive the team at 21st Mortgage was, and they were nothing but professional and accommodating through what turned out to be a somewhat tricky closing. Kayla, in particular, from 21st Mortgage, was highly commendable. I would absolutely recommend 21st Mortgage Corporation to anyone under similar circumstances. They were fantastic as far as being patient with me and letting me know what the process was.

The process took about 2 to 3 weeks, which was reasonable. I obtained my first mortgage for a mobile home with them. While I found the process quite smooth and satisfactory, I did notice that the annual percentage rate seemed a bit high for my liking.

If a friend or family member asked me about my experience, I would advise them that 21st Mortgage is a viable option if they’re comfortable with the terms, even though there might not be many alternatives. Despite the high rates, I would gladly rate my overall experience as positive.

I would confidently give their customer service, the interactions I had, a perfect score. Initially, I was a little surprised by the high cost but would still recommend their service, reflected by my rating. Using 21st Mortgage Corporation was manageable, and I wouldn’t hesitate to share my experience with those considering a mortgage, especially for a mobile home.

This was followed by an additional request to detail my employment dates, which felt like unnecessary back-and-forth. Had all requirements been outlined upfront, the process could have been more efficient. Miss Teresa, the loan representative I worked with, was very understanding, and even she found the process frustrating. It threatened the completion of my purchase and extended the time the sellers were willing to wait.

Despite these issues, Miss Teresa’s professionalism and compassion made a difference, and in the end, I would rate my overall experience with 21st Mortgage as satisfactory, giving them a generous four out of five, primarily due to those prolonged verification requirements.

Fast forward to today, our home was struck by lightning and they don’t want to sign the check from our insurance company to do the fixes necessary on our home. We have no HVAC and 1/2 of our electric is out. It is a month later and they are still giving us a hard time. I’m so sick of this company I can’t wait until our block is finished so we can find another bank to use. When companies say “take us to court we’ll drag this out so long you’ll be bankrupt and homeless before this ever ends” you should run. This whole situation for us has been absolutely awful. Please think twice before using them.