
21st Mortgage Corporation Reviews
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About 21st Mortgage Corporation
21st Mortgage Corporation (NMLS #2280) is a full-service mortgage 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. It also offers a wide range of insurance options, including home, auto, life and RV insurance. 21st Mortgage operates in 46 states, but it’s not available in Alaska, Hawaii, Massachusetts or Rhode Island.
Visit www.21stmortgage.com- Offers options for 100% financing
- Fixed interest rates
- Private mortgage insurance (PMI) isn’t required
- Only available for manufactured and mobile homes
- No prequalification option
21st Mortgage Corporation Reviews
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Reviewed April 26, 2018
The person from 21st Mortgage took care of me and explained everything to me. He was very professional and he helped me well. The application process took two months and it was fine. I had a very nice experience and I'm very satisfied. 21st Mortgage is a very professional agency and I would fully recommend it.
Reviewed April 25, 2018
We bought a land with a home on it and 21st Mortgage Corporation was the only one who would finance the home. All the other companies were too high in their rates. Ryan, the person who helped me, was very nice and helpful. Plus, the application process was good.
Reviewed April 24, 2018
We were looking into getting a house and we reached out to 21st Mortgage as per the suggestion of our realtor. Our interactions with the loan officer were professional. Our questions were answered and we got help filling out the paperwork the way we needed to. The application went well and the paperwork and all the underwriting was done in 45 days, which was quick. It was a good experience. I just wish we would have dealt with them more directly because there were the realtor and the management of the park and it got a little bit confusing.
Reviewed April 23, 2018
We were buying a mobile home and 21st Mortgage was recommended by the dealership. The reps were very friendly and helpful. However, I got the mortgage agreement and then things changed a little bit and then we got another mortgage agreement. It got confusing because they kept sending us another paper and it was the same thing, sometimes a little different.
The process also involved a lot of waiting and hoping that we got it, but the people at the mobile home center did all the work and I just had to contact 21st to get some facts straight and everything went well. The application and underwriting process took about a month and a half, which was a little longer than I thought it was going to be, but in the end, it all worked out. Also, if I had to call up and talk to them, which I did a few times, they were very good and explained everything. I had a positive experience and would tell friends that 21st Mortgage is a good company and I see no reason why they shouldn't go with them.
Reviewed April 23, 2018
Very friendly, courteous and professional. Answered and explained all questions and forms completely in laymen's terms. Did not rush the process and was very patient with first time buyers. We were very pleased with all aspects of our interaction with 21st Century Mortgage.
Reviewed April 21, 2018
I bought a new place and 21st Mortgage gave me the best interest that they could get me. Everybody walked me through everything pretty well. I talked to the loan officer twice and he seemed to be very helpful over the phone. Nothing was done in person although I'd like to do things in person.
Reviewed April 20, 2018
Some people I know use 21st Mortgage Corporation for their home equity. I purchased a new home so I got their conventional loan program. However, I had to chase them down to get information. It's almost like I had to do everything. I also got all the paperwork for them. I don't even really know what they did versus what they were supposed to do. I also got this outrageously high interest rate.
The overabundance of time that this took to sign on this house, all of the hold was on my lender. I had to postpone closing twice by about 45 days. I didn’t know that I had an approved loan from 21st Mortgage until four days before my closing. Also, they kept on calling over and over literally. They need to improve on communication. My interactions with the loan officer were okay but those with the guy who covered for him when he was on vacation was not so much. He was rude and I was even ready to not buy the house. I wouldn’t' use them again and once I've owned this long enough to refinance somewhere else, I will definitely. I wouldn’t recommend them to anyone else either.
Please contact 21st Mortgage Customer Service at 865-523-2120 x 2900.
Reviewed April 19, 2018
I’m a real estate agent and I’m using 21st Mortgage for the loan. Their process was good, which took a few days from application to underwriting and they were on time. Everybody’s cool. They answered all my questions and they replied to me really fast. I’m very satisfied and I'd recommend them.
Reviewed April 18, 2018
My husband was shopping around for mortgages for mobile homes and we found 21st Mortgage. The previous owner told us about it because he had his loan there. We contacted 21st and filled out an application online. And then, they contacted us. The process took over 30 days. The only thing was I wish there was a better communication because it was us trying to contact them to get us going. They were pretty good about returning calls but it took a little while and then we had to call and ask about the process and what was going on. It wasn’t really terrible though. That aside, the loan officer was very pleasant the times that we talked to him. He also tried to answer our questions and helped us.
Reviewed April 17, 2018
I looked into getting a mortgage for a new home purchase and I chose 21st Mortgage as my lender. My parents recently bought a house and they used the financing services of 21st Mortgage and this lending provider was pretty much the only option that I had. The rep, Justin, was excellent, very pleasant, and easy to deal with. I’m up here in Michigan and his offices were in Tennessee. The loan process was all done through email and over the phone and it was very user-friendly. Everything was good with 21st Mortgage and I would recommend them.
Reviewed April 16, 2018
My Realtor suggested 21st Mortgage Corporation. Their application process was straightforward, easy to use. The whole process seemed quick. We had tried one other place beforehand and this one is a lot quicker. The loan officer was great, very polite, very informative, helpful and very responsive to questions. I was very impressed.
Reviewed April 15, 2018
We were new to the mobile home thing and we had asked several places and several people that we talked to said that 21st Mortgage Corporation is the best. So, we decided to apply and their application process was good. I really appreciated everything that 21st did. The application process was fast and the person that we worked with was fabulous. We had a great experience. However, everything on the seller's end was really slow. We actually rent out of our initial 60-day pre-approval and had to apply again.
So, the whole process ended up taking more than two months but 21st had it done in days. 21st was just waiting on the title and waiting on a lot of things from the seller. The loan officer was really wonderful and helpful. He really helped us out, constantly letting me call him anytime and worked through all the issues that we had. We ended up getting another mortgage rate than we would have if we'd gone with any of the other lenders that were offering so I was grateful for that. We really appreciate it. Our experience has been great, overall.
Reviewed April 14, 2018
I was buying a mobile home and I needed to find a lender to finance it, but not all banks and loan companies finance mobile homes. 21st Mortgage worked with me the best, so I chose them. The process of getting the mortgage set up consisted of finding a home, then finding the funding and get it approved. I found 21st Mortgage and their reps were responsible and respectful. We finally completed the process and it took several months. I would definitely tell my friends to use 21st Mortgage. Even the property manager here at the mobile home park wrote their number down and spoke with them several times, and she said that she would refer 21st Mortgage to people if they needed financing.
Reviewed April 13, 2018
I bought a home and I needed somebody to finance it, so I looked into a mortgage. But it was a mobile home and there aren’t that many companies financing that. The realtor suggested a person, then that person suggested 21st Mortgage. The whole process of setting the mortgage up, from my saying that I would buy the home until we signed the papers, was done in five weeks. The realtor said that it would take six weeks, but it was completed sooner. The loan officer that I worked with was really nice and her service was excellent. She explained everything and went through each page, and she told us what we were signing. 21st Mortgage did a great job and the people there were really nice to me. If I had any questions, all I had to do was ask and somebody was there to tell me the answer. Everything was addressed right up front. 21st Mortgage treated me fairly and I enjoyed working with them.
Reviewed April 8, 2018
We bought a modular home for our trainer in our cattle/horse farm and 21st Mortgage Corporation was the one that the modular home people were working with. At first, the mobile home company told me I only needed 15% but with all the dealings I had done, I knew that I needed 25% so then I had to write them two checks. With 21st, we had good intentions of making it an automatic payment but we never got it set up. Between my wife and I, we weren’t making the deadline and I kept getting called and I told their rep that I would get it out. He was very aggressive and I finally asked if he treated everybody that way. That was when I decided that I would just pay it off. I wanted the interest but the conversation that we had was a little too much for me.
I'm sure 21st is a good company and I was satisfied with the arrangement. But there was the one manager that happened to come on the phone after I talked to whoever was taking care of the account and that was not a good conversation. He told me, “You've never made a payment on time yet. Why do you think I'm gonna buy the fact that you're gonna pay this loan off.” That was a little too hard-charging for me. I got pretty good credits so I don't know why they were constantly calling. I asked them to give me the balance and I sent the check out within the next three days.
Reviewed April 7, 2018
There were not too many people that finance manufactured homes. 21st Mortgage has a great system where if someone’s credit rating is questionable, they give them a chance. They had different tiers of qualifications. And in doing my research, talking to people who were involved in the manufactured home industry, 21st carried a well-known reputation. They asked me for a lot of documentation for my loan and a lot for verification, too. But most mortgage companies do that no matter what the circumstance. My rep was very professional and he didn't deviate, not even for one thing. If a name was misspelled or a letter was wrong in that name, he redid the document. There were times that it was very difficult to get a hold of him because he was always on calls, but he always called me back.
But I don't like their collection process. They were a little bit too rigid in the way that they dealt with their customers. I had an unfortunate circumstance when I got my mortgage. On my second payment, I couldn’t use my checking account anymore because I had a fraud alert on it, but the notice came back as NSS to them when they attempted to take the funds. I tried to explain to them over the phone I had a fraud alert and they told me that because it came back NSS and they didn’t know any different, they had to take me off of automatic draft and for me to pay them then. I couldn’t use the phone system either. I had to send the money by Walmart which cost an additional $13.
I tried to explain to them and they told me to give them a letter from the bank saying it wasn’t my fault. And I did that even though I thought it was ridiculous because I was the customer and I was telling them what happened. I sent them a copy of the letter and they still didn’t restore me. I ended up paying the next four months through Walmart and paying the additional $13.
Finally, they looked at it and they said I could start paying by phone so I didn’t have to have the fee. But they were not going to send me up on an automatic draft until I was current for six months. In other words, every payment for six months was on a dated due and they didn’t even have grace periods that day. When I call and talk to them about making the payment, they tell me to hold on and they get a supervisor on the line to hear what I have to say. I don’t think they realized how time-consuming all of that was. And with my busy schedule, all I wanted to do was make my payment. If I was no longer qualified for automatic pay, they should have let me do the payment over the phone off of my debit card or off of my other checking account, but they didn’t do any of that.
I live in a manufactured home now and the next home that I'm gonna end up purchasing would probably be my mom’s home and she lives in a very upscale community that are manufactured homes. I was gonna go through 21st Century for that transaction as well. I feel like they are the right ones for the job. They may be way too rigid, but that may very well be because of the type of clientele that they have. A lot of people who live in manufactured homes may have questionable past or questionable finances. And that sounds a little stereotypical, but unfortunately, I think it's true.
Reviewed April 6, 2018
I looked into getting a mortgage for a new home purchase and I went through 21st Mortgage with the realtor. The lending process went well and the application process was easy and good. The application and underwriting process wasn't long and took an hour or two. Also, the loan officer was excellent. I’d definitely send friends their way.
Reviewed April 5, 2018
It actually went very well and once I got in the total realm of wanting to get this done, it went fast! I am just glad it's over and I am sure Mr and Mrs ** are as well. Brandon helped me get this started due to this same company was the one that helped him purchase this same house.
Reviewed April 5, 2018
Tyler ** did a really good job. The Underwriters said no Tyler made it work so I just want to say a big thank you and hello to Tyler ** as my first payment was paid through my checking account. I have a home loan because of Tyler.
Reviewed April 5, 2018
Last fall, I looked into a mortgage because I had to move and I found a mobile home that I wanted to buy. Originally, I went to a bank but they were not interested in loaning for a mobile home. And when I talked to the place where I wanted to buy the mobile home which was an existing home in a trailer park, the park manager there gave me the name of 21st Mortgage because he had dealt with them before and he said they're mobile home lenders.
I went to 21st Mortgage's website and I just had to put in the mobile home, how many bedrooms and what the active price was and how much I made and assets. One of their people called me. His name was Adam and he took over from there and helped me fill out the paperwork. Adam responded quickly to my emails within a few hours. I had a problem after I already had the trailer. They took out one of my payments at the wrong time and he responded right away and got me in touch with the people to help me fix that. He was on the ball and he didn't seem to drag it out.
They mailed me some stuff and they did an inspection of the mobile home. They had a guy come and inspect everything about it, like the furnace and water heater, that it was in good shape and in a good roof. They gave it a rating and once all that got approved and I got my downpayment together, they approved it. The application and underwriting process took about a month. They sent all the paperwork to me. They didn't pay for it, but they chose the inspector and he called me. They gave me the name of the guy and then I called him myself and we set up the time and he did it. The mobile home park manager paid him and then I paid the manager. Then, 21st helped with all the paperwork and taking out the direct deposit and covering insurance for the trailer.
21st Mortgage could have been more clear when they said I could take the money out twice a month and that would save me a lot of interest. I was under the impression I could choose the dates that they took the payments. It's just every two weeks regardless of the dates and it messed me up a little bit. But that may have been the trailer manager's fault more than Adam's. Other than that, it was a positive experience. I don't have great credit and I couldn't get a loan anywhere else. 21st treated me well.
Reviewed April 2, 2018
We were looking to buy a house and there were only a few companies that would do modular homes so we decided to go with 21st Mortgage Corporation. We had to fill out lots of paperwork to make sure we qualified. Our modular home is in a mobile home park so we had to get qualified through the park and I had to know if we could make the mortgage payment and the lot rent and all of that. All of that was fine. It took longer than what I would have liked, but I totally get it. It doesn't happen overnight so we had to send paperwork here and there and do different stuff. It wasn’t easy and they had to make sure that we qualify and everybody got their ducks in a row. The application to the underwriting process took about a month.
There was one guy during the lending process that I didn't really like. He was our loan officer and he was really rude and he wouldn't return our emails or our phone calls. If we needed some tax information, I don't contact him. I contact just the regular customer service line because we didn't really get along. We were stuck with him, but it was just one of those things that we had to go through the motions and didn't want to cause a big fuss because we needed to move and do that. But other than that, if the phone calls and the emails were returned right away, that would have made it a bit faster.
The process went fine, except for a few times that we had a question or they needed paperwork and we didn't know which paperwork that they needed, and we couldn't get ahold of anybody until the next day. Overall, our experience with 21st Mortgage Corporation was fine, although we had some extra steps that we had to take. We like the end result and we love where we live.
Reviewed March 31, 2018
I needed to consolidate a debt and I own a manufactured home on leased land but there were very few companies that would lend on that type of property. But with 21st Mortgage, I had an easy time with their application process. That process and the underwriting took about 30 days. I had a nice young man for my loan officer who was very courteous, answered my questions and provided what I needed to do. It came piecemeal though.
21st also wanted everything but my blood type and they were in a hurry. They wanted the project then. And I had a little bit of a problem with their customer service as I didn't feel like they were communicating properly because they would ask for this and then they'd come back and ask for that. Each time, I was like, "Tell me what you need." For people in my situation with a leased land, I would recommend 21st Mortgage. But for anyone with a regular home, I would not.
Reviewed March 25, 2018
I was living at a rental home and the landlord was abusive for 10 years. The place wouldn't provide habitability, I couldn't sleep in the bedroom where I had mold, and I had no heat at all for 10 years. I couldn't take it anymore because I'm 76 years old now, so I sued them and that gave me enough money for a down payment. Also, I put in extra money after living for 10 years on my social security and didn't use any credit. So, I decided to look into getting a mortgage. I was trying to buy a mobile home in a park on leased land and that's what 21st Mortgage do so I went with them.
Initially, I went on the internet and asked which lenders would provide a mortgage on a mobile home on leased land in a senior park. There were two that came up and 21st Mortgage was one of them. When I called, they ran my credit and told me that they couldn't do it because I didn't have any credit. I told them that I thought that would be better than bad credit because no credit meant I didn't owe any money to anybody. They wanted a payment record and I asked if I could give 10 years of paying my rent early every month. But they said that wouldn't work.
I also told them that I had to wait until I got the settlement for the lawsuit I filed before I could give them the down payment. It took longer than expected but one day when I was talking to Jonathan, the rep at 21st Mortgage who did my loan, he told me that if I could come up with 35% down instead of the usual 10% then they could do it. So that's what I did and I ended up getting a personal loan from them. Once I got the money in my hand, it only took a month and a half to complete the whole process.
Jonathan did everything he could possibly do to help me. He was very polite and very patient. He realized my age and that I'm very hard of hearing, so it was difficult to have the conversations we needed to have. I provided all the information, made copies of everything, and sent them to him. We did a lot of it by internet and he was willing to repeat things five times if I couldn't hear him. He was really a good person to do business with.
Other than that, I still think that a 10 year history of paying my rent early and I could prove it, should have been good enough to qualify me for the loan. However, no lenders work that way and they want to see a credit history. I don't agree with that and I think it's a stupid way to do business but I understand it. I also thought 35% down was a lot but when you do a personal loan for a mobile home, they're always a lot higher. So, I'm paying almost 12% interest and now, I have a mortgage and site rental. I have to pay for the land that I’m renting but that is better than living when there are abusive landlords. I would recommend 21st Mortgage.
Reviewed March 23, 2018
We purchased a new home and 21st Mortgage was the only one that would finance a used trailer. But it took a while to get approval. They are from Tennessee and we are from Louisiana so there was a matter of sending things back and forth like faxing, mailing and e-mailing. Overall, with the application and underwriting, the process took four months. We worked with a guy for the loan but we had to switch to another guy and that was a headache. But other than that, everything was fine with them. I’m happy that 21st gave us a loan.
Reviewed March 22, 2018
I wanted to purchase someplace and I found a used home that I liked so I looked into a mortgage. The people I've seen with a local mobile home lot work with 21st Mortgage and the person that I was buying the home from recommended the company. That was the first home I bought and getting the mortgage was a bit of a mess. They had me provide proof of income, where the money came from, the payment down, my driver's license, my Social Security card, and a couple of years of W2. The application and underwriting process took five weeks. John from 21st was contacting me and then an underwriter was also sending me stuff. It was confusing.
When I could get John on the phone, I felt very comfortable. He was very good at explaining things to me and I was confused often so he did that often. But I also got put on hold for 15 or 20 minutes and then disconnected, not called back and I got his voicemail. Things like that were frustrating and that's when I questioned it. It would have helped a lot if he had an assistant or an intermediate person who could be reached. There could be an operator that could answer simple questions then expedite the call for deeper questions that were specific to me.
Every time they needed something, they wouldn’t say that what we had was not going to work. I would get a checklist and I would have to call the person at 21st because he was not the one who sent the checklist and then ask what's going on. On top of that, when I sent 21st Mortgage the money to close, they said there was another 1% tax that was due in that area, so I had to send them more money and they had to redo everything. And when I went to get my sticker and my title, it was incorrect and it held up everything. They gave me a refund but that was a frustrating part. It would have been better if I was talking to one person and not two or three. It was great that the checklist was sent to John but more understanding of that paper that I got would be good. The process wasn't mainstreamed. Nevertheless, in the end, I was able to complete the process and 21st Mortgage approved me right away.
Reviewed March 20, 2018
I was trying to buy a house for my dad and 21st Mortgage was the only company that offered mortgage financing for a mobile home for somebody that was buying it for somebody else instead of themselves. I got a 30-year fixed rate mortgage and the process of obtaining that was an absolutely horrible experience. The people themselves were nice and I had no issues with their personality, and they responded when I needed to. But it took me eight months to get this home for my dad. It was a back and forth of them needing these documentations and me providing all of those that they asked me for. It was a nightmare and I don't ever want to do it again in my life.
The only reason why I stuck with 21st Mortgage was that they were the only mortgage company that allowed me to obtain a loan for my dad. If it weren't for that, I would have tried to find somebody else a long time ago. And then because 21st Mortgage took so long, they had to run my credit again, so that put an increase on my credit. I was hoping it would take maybe two months max because when I bought my first home, it took me a month and a half. Unfortunately, because my dad was renting the home, we bought it from a person that already owned the home. So, my dad had to wait for eight months and pay $900 for rent when he could have had a lower mortgage payment. The home is owned now because we finally secured the loan and he only pays $400 a month, but in that meantime, I hated it that he had to pay all that money. He made that owner rich and that owner made a nice profit out of him.
I worked with Nikki and she was cordial. Any time I sent her an email, she replied back and she answered my questions. I understand people are busy and they got other clients they had to help, but sometimes I'd ask questions and they'd be multiple questions in one email. But whenever I address my paragraphs, my email is pretty neat and correct as far as format. I number it off so that it was not all bundled up and mixed into one long paragraph. But even though I ask some questions they weren't answered. I don't think she was intentionally trying to ignore me. It's just that she was trying to hurry up and answer them and forgot to answer one question. So I had to ask them multiple times before I actually got an answer for it. And whenever I got an answer for it, sometimes it didn't always answer my question.
I would tell my friends that if they are trying to buy a manufactured home for someone else, 21st Mortgage is the company to go to because it's the only one available in all of the United States of America that will do it, at least to my knowledge from my research. I will also tell them if they were interested in getting a mobile home that they could try 21st Mortgage. It might be easier considering that their situation might be different from mine. I would recommend 21st Mortgage, but as far as my situation, in particular, it was awful and I hated it. I don't blame anyone in particular, but it cost months and months of anxiety because I wasn't sure if the loan was going to go through, but it did. Thank God. If I wasn't able to get the home for my father, he probably would have to move away and get another place. So, I'm thankful for 21st Mortgage and I'm satisfied with it. They were able to help me with what I needed and they got me a loan.
Reviewed March 13, 2018
Our property came with a single-wide trailer and it was very hard to find someone that does loans for those and would assist us. A friend of ours, who's an assistant realtor, told us that 21st Mortgage would be the best for us. It was our first time and we thought it was going to be a lot harder, but 21st Mortgage made our experience easy. We had to wait for everybody to get certain documents and find the right documents that we needed, but they told us anything that we did not know and walked us through what we were supposed to do and sign. We also had so many questions as first timers and we could call them anytime and they helped us out with those questions. I was very satisfied with my experience with 21st Mortgage.
Reviewed March 12, 2018
My experience with 21st Mortgage was extremely good. I was going to purchase a house in a different complex and the realtor who was going to help me get it said that there's a mortgage company that does manufactured homes. When that deal fell through because the person who owned it could not clear the title, I used the same mortgage company from the home that I am in now. Obtaining the mortgage, however, was time-consuming. The guy wanted every single paper from every single thing. He did not trust me when I said I took $2,000 out of my checking account and put it in my other checking account so I had to get confirmation of that. Everything took over two months. Meanwhile, my credit score was 780, so that did not play into it.
The loan officer, on the other hand, treated me excellently. She not only answered all my questions but she was also always there for me when I called. If she did not say hello when I called, she called me back within minutes. She did a wonderful, excellent job. I had to run back and forth to fax things but I assumed that was part of the situation and circumstance when dealing with a new client. As far as I'm concerned, interest is tax deductible and we were both on the same page with that. Whether it's a point or two different from somebody else, that doesn't play into my factors. Fees, however, plays into my factor. Consideration is a big thing with me and the woman that took care of me was more than considerate. She walked me through like I was a neophyte. Moreover, she called me on her vacation day. You can't find people who care like that.
I believe, next time my realtor gets a client, she is going to go to 21st Mortgage too. That is how pleased she was. She deals with a lot of mortgage companies and she said that these people were cool and really good. However, 21st Mortgage has too many rules. But once we got on the same page, it could not have gone better. I'm extremely happy with 21st Mortgage Corporation. Now, I have my mortgage taxes and insurance coming out on my checking account on the first of the month, which is perfect for me. When I sell this house and I purchase another house, the first people I'm going to is them.
Reviewed March 12, 2018
Recently 21st Mortgage has been calling me every month for my payment. I have had my home for over 20 years and have NEVER missed a payment. It's not late until the 15th, So leave me alone. Stop with the calls, text and emails until a person is late. I would have never given you this rating, if it weren't for the calls. PS. This is not a debt, dammit! It's my mortgage!
Reviewed March 11, 2018
My home burned February 2, 2018 and she (Joan) was notified of this and I called her to let her know what was going on. Every time I called her she had an attitude and she act as if she didn’t care. All she kept telling me I’m going to be in foreclosure and she wanted me to continue to make the payments. So I was I call her to ask her have she heard anything from insurance company. She claim I didn’t have one and the same letter the insurance sent me they sent 21st Mortgage I gave a copy of it.
I’m trying to explain to her but she was so ugly to me on the phone so I asked to speaks to her supervisor. She was nice but that Joan. She needs to learn how to talk to her customers instead of talking to them like a dog. The company is ok but it’s some people who work there is how they talk to you. We all somebody. I’m already stressed out because we already living on someone then I have to put up with unnecessary crap from people who do not care about you or your family. All they care about is your payment. Joan ** needs help talking to her customers.
Please contact 21st Mortgage Customer Service at 865-523-2120 x 2900.
Reviewed March 11, 2018
I have a couple of issue with 21st Mortgage staff. This person it seems like he wants to get his message across to me. He had been sending me letters after letters in the mail. Calling me non-stop on the phone. He called 6 days a week 5 times a day. I refuse to talk to him. Why? Because he is doggin me out for a payment of $235 which is I am not behind my payment. I am not delinquent in my payment. I just want to get this across to you all but the situation get worse. This person send me a FedEx. When I came home from work I saw a letter at my door and I went to the door and I open the letter. The letter is from 21st Mortgage. The person that sent me that letter his name is Tyler **. He really doggin me out for a payment for March.
I do not need him to send me threatening letter telling me that if I does not send my payment that he will put a lien on my home. That's not the way to treat your customer 21st Mortgage. Need to work with their customers and not threaten the customers for a payment.
A couple weeks ago there was a letter left between my screen door. I went to get the letter on the front page of the letter. My name was on the letter and it says private matters. Now who in their right mind would put a letter at someone screen door. I could not believe my eyes. First he sent me a letter FedEx then he turn around bring me a letter leave it on my screen door. How pathetic that is.
Reviewed March 11, 2018
My credit wasn’t great and 21st Mortgage Corporation was the only one that took me. I wanted to buy a house and I went with their first-time homebuyer program. I called them, filled up paperwork, and sent it back to them. They sent me a prequalification and found a place I wanted. We sent them the offer on it. They qualified it, and we went through the deal. The entire process took a few months. And I knew it was going to take that long.
This is the first time I’ve ever done it and 21st Mortgage was upfront from the beginning. They were constantly letting me know what we needed to do and how we needed to do it and what they needed from me. Everything was over the phone or by mail and they seem to be really good. They answered my questions and they were polite. My realtor was really stiff to start with over them. She said that she hadn’t really dealt with them before and didn’t know anything about them. She was skeptical of the whole thing with them. But before it was over, she was very impressed and if she had a question, they were able to answer her questions. If something came up that she needed to know that I couldn’t tell her about the process, she made a phone call and they told her.
If somebody were to ask me right now and they were in the same situation that I was in, I would tell them to give 21st Mortgage a chance. I read what reviews I could find of them and the worst thing I found about them was if you’re late on your payment, they start screaming that they’re going to foreclose immediately. But the bottom line is they take chances on people that nobody else would take chances of and that’s the bottom deal for them.
Reviewed March 10, 2018
21st Mortgage is amazing and my experience with them has been great. I purchased a home and they came as a suggestion from the neighborhood that I moved in. 21st Mortgage got back to me within a day, whereas the other mortgage companies haven't got back to me even yet. I got an FHA loan, and then went through the usual application process, them making sure I am who I am. And it was a quick one, which took about three weeks. Everything was online, so it was also easy.
Karen was my loan officer and she was helping me out and also walked me through it. Any time she needed something that would make it easier she let me know. She called me about every week or every time the transaction was made to make sure I was submitting everything correctly. She worked with my realtor, which also made my life easier ‘cause I work 70 hours a week. And now, it’s been six months. The interest rates are fixed for a year and it would be good if there’s a way I can bring my interest rate down.
Reviewed March 9, 2018
I looked into the mortgage to buy a house. I've previously been approved by Wells Fargo, Bank of America, and one other at a much lower interest rate, like 4.25%, but the reason I went with 21st Mortgage was that they offered mortgages on the mobile homes. The application process was lengthy and drawn out. But in my understanding, that's the same with all mortgage companies.
The only thing I would like to see with 21st Mortgage is that the interest rate to be a bit lower. But I understand why they do that since it's the age of the mobile homes. It's possible that some of that clientele may not have the best credit or may fail on paying mortgages. I was approved by the bigger banks. Once I've made my payments on time or before the time for 18 months, I would like to see that they start lowering the interest rate. Because what's going to happen is that people are going to start looking elsewhere because once they get in they don't start looking elsewhere to change mortgage companies to get a lower interest rate.
But other than that, the application was quick and easy. The underwriters wanted to know all the ins and outs of income. Now I can pay online or pay with a check over the mail or the phone. But I'm still looking to make it easier to pay the mortgage with credit cards over the phone. I like to pay everything with a credit card and then at the end of the month, pay the credit card off. That's how we deal with credit. The interaction with the loan officer was perfect and she was a nice person. I was comfortable with everyone. She was very relaxed and I was impressed on how it was easy to work with her.
Reviewed March 8, 2018
We were buying a property and I did some research and found that 21st Mortgage was a good company to go with. It took a lot of research to get the various things needed to obtain the mortgage, such as our credit rating and forward information regarding how much my salary is. The application and underwriting took two months. But our rep was very, very good. I felt comfortable working with him. We just corresponded by email. Sometimes I would ask a question and he would tell me what is necessary to get the loan and then I would provide that information.
Reviewed March 7, 2018
21st Mortgage Corporation was the only company we could find that would refinance a single wide mobile home. They just had us submit all the paperwork and the representative that we got was very knowledgeable and nice. We did it all by phone and submitted all the paperwork online and it was pretty smooth. We gave them the local title company that we wanted to close at and they set that up online too. That went really well.
Their loan officer was great. I always got a hold of him through email mostly because the phone was impossible. When the loan went through though, something had happened and we were a few days late on our very first payment and I contacted 21st Mortgage to let them know and there was a man who answered the phone who just ripped into me. I just finally hung up on him. I emailed 21st Mortgage about how it was dealing with him but I never heard back. I hope he is not there anymore. Other than that, we had a good experience with 21st Mortgage Corporation. We live in an area where there are a lot of single wives and you can't finance them unless there is a company like 21st Mortgage and such companies are very few.
Reviewed March 7, 2018
A friend of mine recommended 21st Mortgage Corporation and I got a house loan with them. We sent them all kinds of paperwork and it was fine. The process took about two months. My loan officer was reasonable and he called me and let me know if I needed something else.
Reviewed March 6, 2018
21st Mortgage financed my home and I was satisfied with my experience with them. After I filled up the application, they studied it and they took a few days to decide if I qualify for the loan. The loan officer requested an email at the beginning, for several documents that I had to give them, and then he worked out another document that I needed. I got all the documents that they requested in about a couple of weeks. The process took a month from the beginning to the end and it was quick. We just had four emails and then they approved the loan.
Reviewed March 5, 2018
Everything about my experience with 21st Mortgage has been good. As a first-time homebuyer, I did the same step that everyone does to get the mortgage. I filled the application and 21st Mortgage let me know if I was approved or not. The process took 30 days and it was fine at the end. The agent I worked with made my process and payment every month, and he was fine as well.
Reviewed March 4, 2018
21st Mortgage was awesome. They went above and beyond of what a mortgage company is expected to do. I was buying a property from a friend of mine. I had a personal note with him, but he went bankrupt so the US Bankruptcy Court ended up owning the property and I had to buy it from them. I didn't have the balance to pay the property off, so I had to go get a mortgage.
The Court said they could evict me and sell the property at market value which was about $60,000 more than I owed. I had to get them to agree to the dollar amount that I owed my buddy because I've been living at the property for four years already. It took about two months of negotiating with them and they finally agreed and allowed us to stay in the property. At that point in time, I found 21st Mortgage and they do manufactured homes. I've also looked into around five different companies and with the balance owed on my property was very low, those other companies wouldn't pick it up.
The mortgage person from 21st Mortgage bent over backwards for me. We talked every other day. We filled out the original documentation and we were pre-approved. The problem I had was that 21st Mortgage wasn't going to pick up our balance too because their minimum amount to qualify was 20,000 and what I owed at the time was only 18,500. So, the rep went to her immediate supervisor and said, "Can we roll the escrow fees and everything else into this loan because this guy's in a predicament, to qualify him above $20,000?" And that's exactly what they did and the mortgage was 20,200 bucks. After that, it was a go.
Our mortgage person also talked to the attorney at the US Bankruptcy Court thrice, to the adjudicating judge on my behalf twice, to the trustee a couple of times and to my wife. Any form that I needed, she'd let me know immediately as well. When there was a letter that needed to be written, she did the rough drafts and sent it to me. Then we wrote it in our own words and returned it. She just went above and beyond what a mortgage banker would do in any circumstance.
But because I was dealing with the Bankruptcy Court, the process took about five months. Every other day, I also had to go through Placer Title out of Auburn, California to do all the paperwork. I started in February and it funded in July of last year. And Placer sent the US Bankruptcy Court check. Overall, it's been an excellent experience with 21st Mortgage. I've owned several properties and dealt with different mortgage companies in my life, and I would recommend 21st Mortgage a thousand times over.
Reviewed March 3, 2018
I wanted to buy a house and 21st Mortgage is the only one that lends for mobile homes. The process was fairly simple and took just a couple of weeks. At first, I couldn’t get a hold of anybody. My realtor called me to go through them and she got me connected with Joe. When I got Joe's name and he said he was my contact, it became easier. He would respond to me, send me emails and requests. He did a really good job and I was happy with him.
Reviewed March 2, 2018
I needed a bigger place to live and 21st Mortgage Corporation gave me a mortgage. The process was easy and it didn't take too long. A lot of the process was on me and the loan officer just found time to get it all done. Once we got all the paperwork, it went quick. I worked with the same loan officer through the whole process and I felt comfortable working with her. She also always got right back to me when I called her.
Reviewed March 1, 2018
We were renting for five years and we were looking to get another house. My wife's mom went through with 21st Mortgage so we gave them a shot. My experience with them went well. However, we had a few hiccups. They had a hard time figuring out if the lot for the home we bought was in a park or not. It was mixed in with the subdivision so it wasn’t a regular park. They couldn’t figure out what they are going to do and where the property was. It dragged out for quite a while. We were about to cancel the loan since we couldn’t get that done but they worked it out the last minute and we got it. Overall, 21st Mortgage did a good job.
Reviewed Feb. 28, 2018
I wanted to pay off my loan and Caleb was very helpful to me by checking to see if I could do it by phone as I could not get to my bank. He checked with Sean to be sure it was possible and thankfully it could be done. I appreciate all their help and will be sure to let friends and family know how 21st Mortgage has always taken such good care of me. Always ready to help when needed. Than you all for the years of service you have given me.
Reviewed Feb. 28, 2018
It's very difficult to find a bank to buy a mobile home. I then found 21st Mortgage online and they're one of the few mobile companies. I checked their reviews and everything looked good. At the start, the process took too much time. The person who was helping me, Jonathan, didn't know a lot of things that I need to do to the last minute. Then, when it was almost done, I put more pressure on him and he put a little bit more attention on the details. Right now, they're a little bit faster. The whole application and underwriting took three months. My loan interest, however, is too high and I'm trying to refinance. Also, one time, when I call in and somebody answers in Spanish. She was really rude to me. But the rest of the people that I've talked to have been really friendly.
Reviewed Feb. 27, 2018
21st Mortgage Corporation was the only company in our town that dealt with mobile homes, and my experience with them was good. I got a mortgage for my manufactured home in a trailer park. I got an appraisal and then paid a pretty high down payment on it. It took some time for me to come up with the down payment but it worked out just fine. I was approved for everything in about 30 days. Adam was always helpful with what I needed to do. Sometimes it was a little hard getting a hold of him, but he usually got back to me within the day. I'm a phone kind of guy and not a texting or emailing kind of guy, and a little more on the phone would have been nice.
Reviewed Feb. 26, 2018
We sold our house and got a mortgage for a new home, and 21st Mortgage was the only one that did a loan on a mobile home with land. The process was quick. Any questions that we had were answered by their people. It took 30 days from the start to closing, which was the right timeframe. Whenever I called and I got in touch with somebody, their people were able to help me with any problems that I had. Plus, I was comfortable working with my loan officer. But he had a vacation in the middle of the process so I wound up speaking to someone else. If they're going to start the process, don't take it if they know that there's an upcoming vacation schedule. But overall, I would tell others to go ahead and give 21st Mortgage a try.
Reviewed Feb. 25, 2018
I was buying a new home and it was my first time so all was new to me. I went through different lenders and it was a waste of time. You have to make sure to get it right the first time as far as who qualifies for what. I was looking at block homes but I was also considering mobile homes and there were a lot of lenders that did not finance mobile homes, so I ended up with 21st Mortgage Corporation. The application and the underwriting process took three months and it was pretty easy. If I needed help with something, I just called the loan officer and he was a nice guy. They helped me and made sure was I sending in all the right documents to be qualified. My experience with 21st Mortgage has been good.
Reviewed Feb. 24, 2018
My daughter's husband has been on some drugs and she was in a financial bind, so I went for a refinance on my mobile home to get her some cash and get her out of some debt. The application and underwriting process with 21st Mortgage took two to three months and it could’ve been a little quicker. I dealt with one person in particular and he seemed to respond quickly if I had any questions. He was fun to work with,too. Their reps gathered some information and the process of getting everything done was good.
But with 21st Mortgage, thirty percent out of a payment, not counting escrow, was going to the principal to start out with. The interest rate is also seven point something and it gets me over the barrel. But there aren’t too many places that give home equity in mobile homes since a mobile home isn’t considered as valuable as a stick-built home, so I was kind of stuck. Plus, my daughter was in a mess, so I had to do something. But if you’ve got a big capability, shop for a better interest rate.
Reviewed Feb. 23, 2018
We sold our house and purchased a used double wide through 21st Mortgage. I called around through a lot of mortgage companies and they are the only mortgage company that loan a home in a park and they were able to provide me the policy I needed. The process took more than a month. I mostly faxed the information and I also mail or talk to them on the phone. But it seemed like there was an awful lot of repeated paperwork that I had to do because when the person I was dealing with sent me the list of things that they wanted, I would send it back. Then, I got another list of the same thing, so I'd call and ask why I got the list and they hadn’t received it yet. There were too many hands in the pot as far as who’s doing it and the paperwork would go to somebody else. It would go a lot smoother if I dealt with one person.
The loan officer was patient and I felt comfortable working with him. But I had a problem when I mailed in my payment. 21st never received my very first payment even though I mailed it in. I had the check number and I called the credit union and had to stop payment on the check. So, I had to mail in another payment. Again, a couple of months ago, they never received the payment. I had to stop payment on the second check and I ended up sending them a voided check and they took the payment right out of my checking account. I send bills to the utility companies, my phone company, and insurance but I've never ever had a problem with losing a payment. 21st doesn’t do direct deposit through the credit union so I had to do it through the bank that I bank with and I had to send the routing and account numbers to 21st Mortgage.
Reviewed Feb. 22, 2018
Not very many people would take in manufactured homes and 21st Mortgage was suggested to me by the person who I was buying the house from. Getting a new loan with them for the used house took a whole bunch of hoops to jump through, so it was just a matter of jumping through one hoop at a time. 21st Mortgage gave me a list of items I needed to put together and I sent that to their guy named Adam. Then I worked with him back and forth. When he went out of town, it got to a different person. I worked with his secretary, passing it out after so much time until 21st Mortgage was finally satisfied with what I gave them. Everything happened in about a month and a half and we were grateful it worked out.
One thing with the process, though, was that it was really hard to get ahold of people and get any word back. There was a lot of not quite communication going on there. I tried to leave messages and finally I got a hold of their secretary. Even my realtor said he had left messages. But when the rep worked with me, it was nice. 21st Mortgage has been good and I'm glad that they did what they were supposed to do. You'll have to jump through a million hoops and arm wrestle back and forth with them, but you'll get the loan. I'd recommend them.
Reviewed Feb. 21, 2018
Our private financier passed away and we had to refinance our home. We called every bank possible because a lot of banks will not finance a double wide. 21st Mortgage was the only one that we could find that would finance a mobile home. We have a fixed rate program. We had to provide the proper paperwork which was faxed to me overnight, sign the paper where they got our income tax return and show the amount of money. I also had an advantage that my sister is a mortgage broker there. I asked questions before we even went with 21st Mortgage. The interest rate is high but they made it simple for us to get the loan through them compared to regular banks. The process was even simpler than buying a regular house. Right now, I’m extremely happy with them because they edit our property tax and insurance which we didn’t have before.
The process didn’t take as long as I expected. From the first time we started, there were some problems because we had a five-year mortgage with our original lender and she passed away and the probate started. Once we got through that probate process and we did the application, it was like less than 45 days. It was very quickly after that. I had an excellent experience with them.
I felt very comfortable working with my loan officer, John, as he listened to everything I had to say and he answered the questions. We didn’t know that we were supposed to continue to pay the mortgage and we were afraid we were going to get kicked out. He went through the probate court and made them sign a document that they could not kick us out until it was all settled. He went far and beyond on our behalf and I was very happy with that.
Where we live in Barefoot Bay, it’s all mobile homes. There are over 5000 mobile homes and they’re still selling new ones. People are buying so I’ve been recommending 21st Mortgage to everybody. I had such a good experience with them that even real estate companies have come to us and asked who we refinanced and I highly recommended them.
Reviewed Feb. 20, 2018
21st Mortgage is awesome. I wanted to buy a place, and since they provide financing for mobile homes and manufactured homes where other companies do not, I went with them. I had a regular refinancing for a manufactured home. I called them, asked them and I filled out an application and they financed me. Because of my credit score, I had to come up with a bigger down, 20%, which wasn’t an issue so there wasn’t a whole lot of paperwork. Everything took about 30 days. My loan officer was straightforward, and he was very easy to talk to and he was always there for every question or concern that I have had. Also, he always got back to me right away. They just made it very simple for me, which left out all the stress that can come along with purchasing a place. I went through the whole process stress-free.
Reviewed Feb. 19, 2018
I was purchasing my mobile home and 21st Mortgage was recommended. From beginning to end, the process took about a couple of months because there were a couple of snags and I was frustrated with some of that. But the person that we were working with handled it as well as she could at the time. She was very knowledgeable and upfront about everything. She would explain things clearly because this is our first time purchasing anything. So she was very friendly and good. But when we got all the paperwork together, things were crawling because they were really busy with other clients as well at the time. Though it took a long time, they helped me through the process and it was easy.
Reviewed Feb. 17, 2018
I've had a good experience working with 21st Mortgage Corporation. I'd recommend going with them.
Reviewed Feb. 16, 2018
I was looking to purchase a manufactured home and 21st Mortgage contacted me. Their loan officers were really good about telling me upfront what they needed, or if something was wrong. I just got all the information and documents they needed sent over to them back and forth. It took a while to get done because things either got rejected or came back because they were missing information. Overall, 21st Mortgage is a good company to use.
Reviewed Feb. 15, 2018
21st Mortgage Corporation was the only option and available to me when I was looking into a mortgage because I wanted to move out of an apartment and own something. First, I found the trailer that I wanted. The real estate agent that I was working with was the one who did all the application with me for 21st. The loan officer was all right but I didn’t feel I was kept up-to-date much. I kept calling him to ask questions and find out different things about like if I was approved and when I would be able to move in. Then, it was handled between them when I found that I was approved. If a friend asks me about 21st, I’d tell them to give it a try and to see what they can do.
Reviewed Feb. 14, 2018
I was having tough times and 21st Mortgage really changed my mindset. I worked with Ryan and Jeremy. They was awesome. They understood where I was coming from when I told them my situation. I give both of them 5 stars and they deserve a raise. I informed them that I only want to work with them if I have problems. No other supervisor. Keep up the good work guys. You have a happy customer.
Reviewed Feb. 14, 2018
Over a different lending provider, 21st Mortgage had a better rate. We got a manufactured home loan from them. The mortgage process went fine although I had to submit my documents more than once because they didn’t get them or couldn’t find them. 21st Mortgage wasn’t exceptional but they weren’t awful.
Reviewed Feb. 13, 2018
We were buying a mobile home and 21st Mortgage specialized in them so that's why we chose them. The process went very well but 90 pages of closing documents was a little excessive. Even so, the interaction with the loan officers was excellent. They were all very good. They responded when I had questions and there was never an issue with any of them. We were just happy with the experience. It was done fairly quickly and smoothly. I'd definitely tell others to use 21st because they were good. It was our first time buying and they were extremely helpful.
Reviewed Feb. 12, 2018
21st Mortgage Corp. was the only company that would deal with the manufactured homes. The mortgage process went really well, and my interaction with Nikki, my loan officer, was fine. I know she was busy but she got back to me in a timely manner for the most part. All my questions were answered as soon as she had the answers for them. 21st Mortgage is a good company, and I would tell my friends to go ahead and go through them.
Reviewed Feb. 11, 2018
The interactions with the loan officer at 21st Mortgage were fine, they've done well and I would recommend them.
Reviewed Feb. 10, 2018
I was buying a home and got a mortgage from 21st Mortgage since there aren't too many mobile home mortgage companies out there. I filed my paperwork, gave them numbers, and they figured it out from there. However, there were little hiccups. There were things that understandably took time, but there were other things that shouldn't have taken as long as they did. But it's give and take. I'd recommend them.
Reviewed Feb. 8, 2018
If I could give 21st Mortgage a negative star rating, I would. We had a mortgage with them for almost 10 years, paid on time every month, FOR TEN YEARS. In December 2017 this company was going to force place a liability insurance policy for $600 on our mobile home - even though my insurance company had already sent them proof of coverage (our policy renews in December). Anyway, that was taken care of and they told me it was an oversight and they cancelled the policy... but this was the last straw for me. My husband and I decided to re-finance our home (because we got a better interest rate anyway)...
I let 21st know that we were re-financing and that since I did not trust their company to give me any over payment, if there was one back, that we would not be paying our payment that was due on December 15... because of Christmas etc. It was the beginning of January before our appraisal came through, but long story short - 21st received their payoff for our mortgage on January 19 - FOUR DAYS PAST THE 30 DAY MARK. They reported us as late to the credit bureau, even though they were PAID OFF AND WE HAD NEVER BEEN LATE BEFORE. I was told by my bank loan officer that if they wanted to, 21st could remove this from our report and that if they were a DECENT finance company they would, because this negative remark dropped our credit score 80 POINTS!!!
When you work so hard to pay your bills on time it is very disheartening that a company could treat a "valued"customer this way. So, I call John **, head of credit bureau reporting and he basically told me that we had been great customers but he didn't give a crap and would not help us. I would LOVE for Timothy Williams, President and CEO to contact me so I could PERSONALLY tell him what a terrible company he has. If you are thinking about doing business with 21st, DON'T! It will be the worst mistake you have ever made. They made a mistake in December doing something practically unethical to us, yet cannot forgive us for being 4 days past 30 days late because we were PAYING THEM OFF.
Please contact 21st Mortgage Customer service at 865-523-2120 x 2900.
Reviewed Feb. 7, 2018
I went through a bunch of realtors to see who covered modular homes and who will accept my application. Then I found 21st Mortgage Corporation. I called them and said I'm looking for a module at home. I needed to see if I'm qualified. The gentleman who helped me was polite and he did what he could for me. I was able to get the loan but I wasn't impressed with the loan officer because I think that he kept pushing me off. Everything that he wanted to do was online and I don't have a computer. I also had to fax them $100 worth of paperwork but he said he didn't get it. That's when my realtor took over. I didn't have to deal with 21 because my realtor did it. I was the third party.
Also, I have not received anything in the mail yet and then I had to call them and ask them if my taxes are covered by them. They said yes but I didn't know that. I never got any paperwork and I don't have anything stating what my coverage is, how much I paid, what I put down, and what my interest is. All I have is a payment book. I was a little disappointed on the paperwork but all in all, 21st Mortgage is a good company.
Reviewed Feb. 6, 2018
I can honestly say that my experience with Kam and Taylor on January 30th, 2018, made me change my perspective about 21st Mortgage. Both these ladies really helped me out when I needed it the most... I have been going through a lot and these two actually seemed to have compassion and willing to help my financial status. 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 otherwise they think you are just ignoring them. AGAIN A SPECIAL THANK YOU ~ KAM & TAYLOR... GOD BLESS Y'ALL!!
Reviewed Feb. 6, 2018
The real estate agents helped me look to see what lending company was qualified for me and 21st Mortgage Corporation was the first one that qualified me. Their application process was good. I gave my Social Security, my pay stub, my W1's, and my tax information. Everything was done in three months although I didn't know that it has higher interest rate and I thought it was the same as housing. I gave my information to the Realtor and got all the information through the mail. So far, I've only called their rep two times, to tell them that I want to put in more money for the down payment and to ask them the reason for the change of interest to 7.5 because I had a different home that I chose before and that was at 6.75. Overall, 21st Mortgage is a good company and I had a very nice experience with them.
Reviewed Feb. 5, 2018
I recently purchased a mobile home and mobile home mortgages are tough to come by since not all lenders provide them. I contacted several companies and I liked 21st Mortgage. They were very easy to work with and was recommended by the selling agent. I mailed the offer on the mobile home, contacted 21st Mortgage, and I scanned and emailed them with some paperwork like bank statements and my income. It wasn't difficult. They called me with a few questions and within a week, I was approved and the loan went through the process. I was very surprised.
The application process was very simple. The 21st Mortgage team members were very available, responsive, professional, helpful and nice to deal with. Moreover, the agent I worked with was there 24/7. I had a question and it was after 9:00 PM when I sent a text, however, he called me back immediately. I live in Florida and I have to get the motor vehicle registration yearly, which I didn't know, but they handled it. The closing was very fast and only took about 20 days. I've bought three homes in the past and this was the easiest one.
Reviewed Feb. 4, 2018
I bought a house and I needed a loan for the mortgage. My realtor then found 21st Mortgage. She handled everything. However, we had a problem with the guy from 21st Mortgage. He went on a vacation twice and he took forever to do everything. Once, he even sent the wrong paperwork. Finally, he got everything together and the people at the office rushed everything. The whole process took two months to finish and it shouldn't have taken that long. I was supposed to move into the mobile home before Thanksgiving but I didn't get in until the second week of December. My realtor told me that this was the hardest process she has ever encountered and the hardest mobile home she has ever had to sell. If my friends would ask me about 21st Mortgage, I'd tell them to find somebody else, or don't go with an out-of-state loan officer.
Reviewed Feb. 4, 2018
The guy who I got my mobile home from recommended 21st Mortgage because of their interest rate. I also did my research and spoke with several people and they were the best ones to deal with. Everything went well with the loan officer, but we were held up because of the proof of income. He didn't understand the payroll because the mother of my daughter is a home care nurse and her pay stubs come from five different houses where she works. It was also rough to send emails back and forth since our times are different and my work schedule is rough. The process then took about four months to be finished. But I appreciated what 21st Mortgage did and they were great.
Reviewed Feb. 3, 2018
I wanted to buy a new home and 21st Mortgage was the only one who gave me an option and the only company that would finance a mobile home. However, I feel like 9.5 or 10.5 percent interest is a bit ridiculous and they said there was no negotiating on it. The process took three or four months, and I had to come up with all kinds of information. I had to wait because everybody was taking so long. They were saying that they were waiting on this and that from whoever. The loan officer was a little hard to get a hold of, and my girlfriend had to call her to remind her to do stuff. The loan officer would have the information but didn't send it through or email it out. Having to send it to somebody, I found out that it was just three floors up, and it took 48 hours to get to that department. When she told me that it was in the same building, I started rising, and then they started to move forward from there.
Also, we are to give up our place of residence when we were told they were going to sign on this date, and we didn't sign for another month or so. That was why I was getting a raid on them. Right now, the interest and the year-end tax are all that I can think of. I would like to go get the tag for the mobile home, and I was told the tax should be sent in. Almost nobody answers on the weekends, sometimes, even during the week, and the phone just rings even when you dial the extension. Personally, the loan process took a little while, but it may be different for different people.
Reviewed Feb. 2, 2018
If a friend were buying a mobile home, I would definitely recommend 21st Mortgage. It's a good place to get a home loan. We were buying a mobile home and we found somebody to work with who uses 21st Mortgage. Since I'm on the West Coast and they are on the East Coast, I could call them at 6:00 o'clock. I work all day and I can't make phone calls during the day.
Since this is my first home, we had to do a lot of paperwork. Luckily, I had most of it. It was just a matter of getting it all scanned at the proper time and getting the pre-approval letter. There were a lot of phone calls and texting too. And I worked with John who was very helpful. He answered all my questions, and he was always available even when he was very busy. He had always put me on hold and then got the call. He was also good about getting back on the emails when I have questions.
Then we went to Pacific Manufactured Homes as they were dealing directly with 21st Mortgage. It was a little confusing at first because I would get emails asking me for this and that, and there was a communication gap too since I was still dealing directly with 21st Mortgage. And then my representative from Pacific would tell me that they were already taking care of it. But so far, everything's good. I know exactly how much we owe and when it's due because 21st Mortgage sends us our payment book. We're very happy with how everything went.
Reviewed Feb. 1, 2018
My experience with a financial counselor Andrew ** and his supervisor Derek, was one of the most humiliating experiences. I fell behind 2 months when my husband was sick & in the hospital for 3 months. I did not contact 21st due to fear and my own personal issues. It is “my belief” and I stress MY own belief, that these men need to go back for customer service training. They made me feel humiliated and were talking down to me as if I was a beggar. The customer service provided by supervisors was deplorable. I wish I NEVER had purchased and got a Mortgage from them.
Reviewed Feb. 1, 2018
We wanted to buy a manufactured home and we went with 21st Mortgage Corporation through a recommendation from a realtor. I dealt with 21st Mortgage in updating our loan and I provided them proof of income, tax forms, and everything one needs to get a mortgage. It was a journey with a lot of work. The interest rate is really high but the application process was fantastic, which took about 20 days. The guy I dealt with was extremely responsive. I emailed him my questions and he would put in a couple of offers. He then got the pre-approvals done, was definitely nice to us, and did really well with keeping up. His customer service was most impressive, and I felt very comfortable working with him. It was a great experience with 21st Mortgage Corporation.
Reviewed Jan. 31, 2018
I purchased a new home for myself and at the time, 21st Mortgage was the only one that had a decent enough deal that worked for me. The process was really simple and easy. I have had more issues with the realtor than I did with 21st Mortgage. However, they lag on certain steps and make the process a little longer than it needs to be, which, from what I hear, is average for them. It took five weeks, two weeks longer than what I was expecting.
Up front, I was trying to get a pre-qualification with actual information on changes. However, they did not seem to want to give me a range of pricing. I had to give them all the details about every single home. I couldn't just get an estimate on a price range which made it harder to find a home and get something done. Other than when he was on vacation, the rep I talked to jumped right on the ball and got stuff going. He was gone on vacation for quite a bit between the time I first started looking and the time I finally purchased one. To get the info on what my quote would be on certain houses, I had to wait until he came back. It was difficult but it worked. 21st Mortgage was there to go through the process with me. Although a little bit slower, they followed me through it and made it happen.
Reviewed Jan. 30, 2018
My boyfriend and I were looking at buying a piece of property to use as a stepping stone so we could buy a house. We didn't have the credit so we didn't qualify for a house. And we didn't want an apartment because with that you can't own those kinds of things. We found a mobile home partnered with 21st Mortgage so we ran our credit to see if we get approved. We had to put almost $14,000 down for the house itself as it was a requirement since we didn’t have the credit. They approved us then we went through the process, filled out all the applications and provided them with all the information they needed. Then after that, it was all good to go. The process took three weeks from the time we started everything until it was completed. We are both on the lease together. The boyfriend is the primary and I'm also in there. We had a kind of mentor walking us through the process. He guided us along the whole way and that was very helpful.
When we first moved, our roommate at that time was on the lease with my boyfriend. Our roommate had the credit while my boyfriend had the money. So, we got that processed and my roommate wanted to move out so then it was me and my boyfriend to be put on the loan all by itself. At that time, the guy who initially helped us, set all this up and get it approved the first time, was no longer around. So, I called 21st Mortgage almost every day and got information but they were stationed in another State. So, I asked if they had an office here but they didn't. We had to do the best that we could and if I had any questions, I would email the guy from 21st Mortgage and he would help me. But the second time we were pretty much all on our own. It was hard when you didn’t know what was going on. They were just telling us to send things.
It would have been helpful if 21st Mortgage could have at least one office that was a 30-minute drive just in case somebody like us needs help because we didn’t know anything about buying a property. Somebody could have walked us through the wordings and the questions we had to answer. It would also be great if there was an option plan as we’re paying for a mobile home and most of that money that we pay a month goes towards the interest instead of the principal of the mobile home. So, if our loan says that it's for a 20-year contract, I would have really liked the option to be able to pay that off faster because I'm not trying to rent a mobile home or buy a mobile home for 20 years. That's going to take way too long. And we've been trying to pay off our mobile home so we can own it and then fix it up, sell it and buy a house.
If asked about 21st mortgage, I’d tell them to find something else first. We didn't have an option because there were not many people who do loans for mobile homes. We were told that 21st Mortgage was basically the only company. We could have like tried to refinance the trailer but that would mess up our whole plan. So, if the person is desperate and okay, do what you have to do but I wouldn't recommend 21st Mortgage right off the top of my head.
Reviewed Jan. 29, 2018
I bought a house and 21st Mortgage was the first one on the list. It took four weeks to obtain the 30-year manufactured home loan I got from them and that was all right. I’ve had a great loan officer as he was knowledgeable and I felt 100% comfortable working with him. But after that, 21st was hounding me every day which was ridiculous. They were calling me to harass me. I would never go back with them again as well as recommend them to anybody.
Reviewed Jan. 28, 2018
If you want to buy a park model, get a loan from 21st Mortgage. I wanted to buy a summer home and they are the only one I could find that would loan on park models. I signed paperwork and their application process was good. The process didn't take long and took about a month and a half to be completed. I spoke to the loan officer on the phone and I had no problem. 21st is a pretty good outfit to work with.
Reviewed Jan. 27, 2018
I needed to buy a mobile home and 21st Mortgage Corporation came up in my search. Not many bankers do mobile home finance so there wasn’t a lot to choose from but 21st Mortgage was the one that had the best reviews that I read. I filled up an application online, then I was contacted by someone and they emailed me a list of all their requirements and all the documentation that they needed. Little by little, I filled it out and started sending the documentation. There were realtors involved and they knew the process, too. They were in contact with me and then the realtors put me in contact with the Astro company.
My loan officer was good. The customer service team was always very polite and they responded in a timely manner. The whole process was easy and good. Late last month was the first payment that I did and they called me before the due date. And I hope 21st Mortgage is not one of those mortgage companies that call you every month before the payment due date. Other than that, they’re good and it wasn’t hard to deal with them. I would recommend them to someone else.
Reviewed Jan. 26, 2018
We wanted to buy a manufactured home in a senior community. I came out of a bankruptcy that I had taken care of, and 21st Mortgage would work with me for the amount that we wanted to borrow and the amount that I was happy to pay to do it. They were great. The whole thing was done online, and the application was easy. The follow-up was also good. However, they went back and forth needing documentation and information. It took about a month and a half. Some of the documentation they asked for, I had to go find. Some things sort of happened at the end. We had to have certain things, otherwise, we were not going forward. It was a complex process and I understood why. I was borrowing money and they needed to know that it was going to be for a good reason. The had to have home inspection and all those kinds of things, but it was appropriate.
John was the person assigned to my application. My interactions with him were appropriate, timely, and helpful. At some point, he got his hands tied by the lending requirements. The house is free and clear from the person who owned it. They needed documentation that this was a person this was going to go to. They needed a government ID. I told them the woman is 94 years old and is in a nursing home. I understand it’s the law. It wasn’t him trying to make things difficult. But it was frustrating when it got down to the end because it delayed the closing.
The agent who was representing the seller, Silver King had certain requirements and 21st had different requirements. Ultimately, John's supervisor had to deal with the supervisor of Silver King. John nor the agent neither had the authority. So, people above on both sides had to resolve it. Thank goodness, there were some people who made it work.
But one thing that happened since then was the park that we’re in requires a copy of the title to be on file. So I asked 21st to send me the copy of the title with my name on it. They said it would take 30 days, so I waited for 30 days. They sent me the title of the former owner which did me no good. So I called them back and I’ve had to call them back twice now, and I still don’t have the title with my name on it. It's a little frustrating. Up to that point, it’s been a great experience. And this is where John said, “That’s customer service. I don’t deal with that.” Other than that, 21st Mortgage worked for us. We did the whole thing relatively quickly. It took a little longer than it needed to because we did all the application and then we went on vacation. We didn’t do anything for a week. The whole thing could’ve been done in 30 days, which was great. I’d recommend them.
Reviewed Jan. 25, 2018
I've used 21st Mortgage before and they were very good. I was trying to pull some money out of my home to pay off some debt I incurred, and I used them again. And they paid off $56,000 worth of my debt with the proceeds from the loan. Joy, the loan originator, has vouched for me twice and we moved mountains with the process that we went through. A lot of times, she figured out a way to rearrange the debt or the numbers legally. 21st try to figure out what they’re going to pay off or what they were going to pay down. If there is a glitch, they send you a loan refusal notice. Every little glitch that it hits, they don't have that attitude of if there's a will there's a way at the level of the computers. But at the level of the agents who are working with you, they tell you what's needed and rearrange it a little bit so you know which you need to pay off.
We changed policy on my personal loan because they said that if you have this home and it's this old, then it's only worth this much. It's the blue book for manufactured homes and they looked in it. But I just had my home appraised by the certified appraiser and it was worth $140,000. They told me it's worth 11,000 so, I sent my appraisal in and they took it to the Board of Directors when they had a policy meeting. They saw that and they went, "Woah." It's a huge difference and that made the difference between getting the loan and not getting it because they said my home wasn't worth that much money but it was. In fact, it just got appraised at 180,000. It's going up which is really unusual but the area is really good.
You have to have certain kinds of parameters to work with the agents but 21st handcuffs them a little bit and they make it more difficult for their people in the office to work with you and try to make the best loan possible for your needs. It will not make it as difficult for the people that are working in the office to be flexible because everything has to go through the underwriter who guarantees the loan. Mine was a real challenge but the personal level customer service and Joy have been outstanding through the whole thing and it was a very satisfying experience.
Reviewed Jan. 24, 2018
We've done business with 21st Mortgage before years ago. It was a pleasant experience the first time and there was no reason to change. They really took care of everything like they were supposed to and they couldn't have improved. They expedited the application process and it was good. It took about 30 days and we're quite happy with 21st Mortgage. The loan officer was easy to reach and very responsive to our needs. We were comfortable working with them and our experience was all very positive. Go ahead and use 21st, they're the best.
Reviewed Jan. 23, 2018
We bought a house through a guy and his mortgage was already through 21st Mortgage. I was happy that the loan officer stayed in contact and she didn’t get agitated in my questions. I was a little agitated at that time. They were nice, but they could have a little bit more organization. The papers were just kind of down on the desk. There was a lot of chaos with hurricane Harvey and I understood that, but but the key is being organized.
Reviewed Jan. 22, 2018
My parents was running a little behind on the House Payment and they explained the situation to 21st Mortgage and they worked with them and done what they could to help them. And they were very kind and very generous talking to them. The names of the workers that helped are: (Doug And Mathew). My parents appreciate them helping them very much… Thank You Very Much!!!
Reviewed Jan. 22, 2018
I needed to get out of the apartment. It was time. We started looking at the manufactured homes with Opry Homes and they dealt with 21st Mortgage. We originally found a brand new manufactured home but in doing further research, we looked at the property that those homes were going to be placed on and we hated the property. We found a property that already had existing homes on it so we had first got approved for the brand new home and then once we found the existing homes, we got back to 21st and then they re-did the paperwork and approved for the existing home.
We started looking around August but we put things on hold for a minute. We got back to it and the process was completed by November 16th. The loan officer was easy to deal with and good to work with. He explained everything and if I had a question, I just either emailed him or called him. Then he would get back to me and explained to me what was going on and what I did or didn't need to do. Once we started going back and forth, he was prompt in getting back to us with information on what was the next step. The gentlemen I worked with did feedback well too.
Reviewed Jan. 21, 2018
I wanted to refinance to get a lower interest rate. I googled who had the best rate and 21st Mortgage came up. Their application process was so easy. I did everything over the phone and at the end, I went through an escrow company so I didn't have to do much of anything. After five weeks, I was all the way completely done. The loan officer, Adam, was extremely helpful, too. His customer service was super and he didn’t keep me waiting long. If I emailed him, he emailed me back in a timely manner. He also returned all my calls the same day and he kept calling me "ma’am". Whenever I said that I had one more question, he would tell me to go ahead and take my time. For people who are going to go with 21st Mortgage, ask for Adam.
Reviewed Jan. 20, 2018
I bought my new home through 21st Mortgage Corporation. The representative I dealt with was extremely responsive, quick, and professional. I was impressed. 21st Mortgage was great and I thank them for everything that they did. I would recommend them.
Reviewed Jan. 19, 2018
21st Mortgage had a lower interest. A lot of the process was done online and over the phone. It was nice that I didn’t have to go in anywhere and sign a bunch of documents. But the part that I didn’t like was that every time I’d get one step done they’d have two more stuff. It would be nice if everything could’ve been done at once. There were too many processes, too many steps, and that was before I even knew if everything was approved. There were some documents I had to wait for. But it was relatively quick. It was just that it was like they didn’t know really where I stood until the final step.
The loan officer was good and easy to work with. I was very comfortable with him. However, the underwriters got what they needed but it wasn’t good enough. So, I had to get something else, and they as well. Also, the copies weren’t coming through, and they needed a better copy. It was back and forth with them. One other thing is the hidden fees that I didn’t know about. That is something that should have come upfront and let me know that I have to pay a year’s post-insurance, and it’s going to be through their insurance company. It bothered me since I could’ve gotten a discount with Progressive for auto and homeowners. Other than that, everything else was fine and I would still recommend them to others.
Reviewed Jan. 18, 2018
The property I bought was a second property and it had a single wide mobile home on it. I had gone through the whole process with Wells Fargo, but they told me they wouldn’t entertain that type of mortgage. I found out that they didn’t listen and didn’t pay attention to the details. My realtor found 21st Mortgage and they were one of the few mortgage companies that would entertain those types of loans. I got in contact with them and spoke with Chris who was very responsive. The communication was great. He usually got back to me within an hour, especially on the early approval process. The preliminary reviews and even the underwriting were very timely. I was surprised to hear back as quickly as I heard back on a preapproval. Although the documentation process was quite laborious, I appreciated that they were doing a loan outside the norm and understood that there were different things that needed to be accomplished in the documentation.
They were great to work with, willing to help out and work through an atypical type of mortgage. The rates were a little bit high, but I got what we accomplished. I bought a few houses in my day and I wish, in general, that there was a way to streamline the process. Other than that, if anybody was looking to finance a mobile home, I would point them to 21st Mortgage Corporation.
Reviewed Jan. 15, 2018
I wanted to buy a mobile home and there were so many companies that do mobile home finance. I looked up online and found 21st Mortgage Corporation. Joy, the representative I spoke with was awesome. She was responsive when I needed answers. She even got back to me immediately despite being very busy. She answered all my questions, helped me with any paperwork questions I had. I had a nice and easy experience with her. More than that, the process of obtaining my mortgage seemed simpler because Joy was on top of everything. She set me up immediately, and if had questions about sending anything, she’d get right back to me. She even talked to the seller to help them through the process. Overall, it took about four weeks to do the application and underwriting process. It was faster than I expected.
Reviewed Jan. 12, 2018
The customer service is so awesome! They are the kindest and friendliest that I have experienced anywhere. Rachel ** has assisted me a couple of times and is always so sweet and caring! She is always so helpful and understanding to my situation. She really is an amazing voice and representative for 21st Mortgage. Thank you Rachel and 21st Mortgage for all you do!!
Reviewed Jan. 8, 2018
The house was in my wife’s name when we bought it. When we got divorced, I had to get it out of her name since it was my piece of property. I looked at a few companies but they didn’t have a lower interest rate so I went with 21st Mortgage. It was just a little easier transition. We were in a loophole of what was there and how it was working. When I first applied, I was denied because I put the wrong amount of $190,000. I emailed them back saying it was only for $92,000. We got the process corrected then it was accepted. The application process was pleasant but I got upset that we got approved three months prior to closing. Timewise, I would have liked for it to have gotten done a little quicker. Other than that, my loan officer did good. She was always quick to return my emails and any of my concerns. We communicated all through email and I felt very comfortable working with her. She was really professional in returning and answering my questions.
Reviewed Jan. 7, 2018
The process of obtaining our mortgage wasn't difficult for me that we could pay for it. We just sent the information that 21st Mortgage asked for and we just put it there and send it back. It was supposed to take a month to get it done, but it was Thanksgiving so that delayed the process. The loan officer always helped my wife with everything. Overall, we had a great experience with 21st Mortgage. We have already referred three more people and hopefully, they're going to get help from them.
Reviewed Jan. 5, 2018
I was buying a new home and land. A good deal came up and I couldn't pass it up. I tried a local company and they were absolutely ridiculous on what they were asking. Then my loan officer at my local credit union told me that I ought to try 21st Mortgage, so I contacted them. I filled out the form online and they got back to me within five minutes after I hit the submit button. They told me I was approved, then we started the process, and I got them everything they needed. It was extremely smooth that it kind of scared me. Usually, when something goes that easy, there’s a problem. But I’ve been living in the house for two months now and had no problem.
My loan officer, Adam, did a great job. He was very responsive, and if I had a question, I emailed or called him and he usually got me an answer pretty quick. If he didn’t know the answer right that second, he got it back to me in a very timely manner. It was my first time to buy a house and I told everybody that my experience was easy and timely. I also suggested to a friend that he should go through 21st Mortgage.
Reviewed Jan. 4, 2018
The application process for a mobile home at 21st Mortgage Corporation was very long and tedious. There was a lot of duplicate work being done and their representative wasn't always timely or helpful to do the work. I was calling them every day because they wanted a new piece of document and I had to make sure they got it. And every time I would speak to Tyler, their representative, he would tell me that we got to do this or they needed a copy of that. It was never him contacting me to let me know what was going on.
I would like to see a smoother process and a more personalized service because it felt like I may just be in a dead-end big machine. In fact, I'm still having issues with trying to get my title transfer. They needed that so they can give me a lease assigned in the parking lot I'm living. So right now, I'm literally illegal while I'm staying in the mobile home, but nobody can seem to help me.
Reviewed Jan. 3, 2018
I was buying a home for the first time and the only way I would be able to afford it from the person selling it was through a mortgage. The person who owned the place had a mortgage with 21st Mortgage so it was more convenient and I went with them, plus my parents used them too. During the enrolment process, there was a whole lot of paperwork, but they made it easy. My loan officer was Justin and he was informative and pleasant. He was always there to answer any questions I had and made everything a lot more convenient. The application and underwriting process took two months due to the person selling the house took forever, and my park manager took a long time otherwise, it would have been a lot sooner. However, I haven’t been able to get to their website and didn’t get any information on how to do that for my account. Other than that, the experience was great so far.
Reviewed Jan. 2, 2018
My wife and I were trying to get a place of our own but our bank doesn’t finance mobile homes. We applied for a mortgage at 21st Mortgage Corporation but we were denied because of not enough down payment. Then we came up with some funds and got approved. It took a little longer than expected and a lot more paperwork than I wanted to fill out. The process took a month or two and a lot more paperwork than what I wanted to fill out.
We were appreciative of everything that our loan officer helped us out with. He was very patient, professional, kind and never showed any signs of frustration no matter how many times I called or emailed him. He was happy to answer any question that I had. He helped me understand. A lot of time was mostly just waiting on the seller and having them get stuff from the loan officer. 21st Mortgage Corporation should employ more people like our loan officer who was calm and patient. It was my first time buying a house or a trailer and the process was pretty standard.
Reviewed Jan. 1, 2018
We were going to buy a new house and looked into getting a mortgage. 21st Mortgage was highly recommended to us so we went with them over other lending providers. Their application process was straightforward. But the process could have improved if they have an office closer to where we live. It wasn’t next to us so we had to do everything over the phone or via email. But their loan officer named Scott was wonderful. We received great guidance from him. He answered all our questions and got back to us right away. Their customer service was fantastic and they treated me well. We were very happy with our experience with 21st Mortgage.
Reviewed Dec. 31, 2017
I bought a mobile home and the people from 21st Mortgage Corporation were the first to contact me about giving me a mortgage loan. While Nickie, the loan officer, was super nice, she didn't handle the loan application process like she should have. It took about two months to get everything finalized because it would take three days for her to get back to me about a specific question. And then every time I called her, she never answered the phone. I’d email her three or four times and she would not respond as well. Out of the two months and ten phone calls I gave, she only called me twice.
There were times when I would send Nickie the paperwork she needed. But it wasn't the correct paperwork because she had not given the correct one to me. Another thing is that she went out of town for about a week and a half in the middle of the mortgage. She said that she was going to have somebody take over my paperwork but it didn't work that way. And because it took so long to get back to me about specific things the underwriter needed, I got angry. My seller for my mobile home got angry as well because originally, 21st Mortgage said they wouldn't approve me. If I had found somebody quicker to actually approve the loan, I probably would have gone there.
Other than that, while their paperwork was easy to fill out, they should do better at focusing on trying to close one loan instead because they're taking away a little more of personal time making sure that they are getting called back. Because I’m in Ohio and I wasn’t there out in Tennessee, there was no way for me to go there and speak to somebody in person.
Reviewed Dec. 30, 2017
21st Mortgage was recommended by a couple of people that I know who own mobile homes. They said they were at the top. I checked around and some of the other companies wanted a minimum value and they wanted a minimum credit score. There were a lot of factors that I just kept checking them off the list. I called 21st Mortgage, I got a callback then the process started. I told them what was going on and what I needed. It was a very long, tedious and heartbreaking moment that took four months.
The whole situation from beginning to end was complicated starting with my income. I'm an independent contractor and the income that I actually make and the income that I showed on my taxes were very different. At first, I was denied and was told that I didn't make enough money. It was just a snowball after that. I asked what we could do with it but it was like one thing after another. I kept receiving denial letters because every time someone opened up the file, they said I can't have a mortgage. I emailed Joy and she was the one helped me through all of it. She was the sweetest person in the entire world. I had many conversations with her and she was on it. She did everything she could to navigate through the complications that we had.
That was a bad year. My grandma passed away and the family offered to let me buy her house. I wasn’t happy with the end terms and interest rate I got with my loan but I wanted it. They put me on a 23-year loan and I told them that by the time I was done paying it, I would have paid three times as much than what I signed up for. I knew what my grants were and decided I'm still just going to pay off the same amount. I paid the mortgage online and I've been sending a separate check for the principal because I was not paying the mortgage for 23 years. I would have liked a smaller loan and even a smaller interest rate though. I had a good credit score but my income was so low.
Reviewed Dec. 29, 2017
I have had a hard time with being 1 payment behind for maybe 4 month. The man I had to deal with was a inconsiderate very terrible to talk to. I got a new representative her name is Cynthia **. I was so pleased very professional and polite and caring. She cared so much about helping me. Thank you so much Miss Cynthia. I would recommend her to anyone. She knows her job and cares about people.
Reviewed Dec. 29, 2017
Our mobile home was financed through 21st Mortgage Corporation 10 years ago. We just refinanced and they acted like it was a whole new ballgame. We’ve been a customer for 10 years and nobody knew who we were. It was just ridiculous. Nobody in the company communicates with anybody else. They enter stuff into the computer but nobody else has access to it. One person would request paperwork and we’d email stuff but then somebody else would say that they didn’t get it. It continually happened over a couple of months and it was just a big mess and confusion. If you're going to be dealing with somebody, you need to be dealing with one person instead of four or five people. Everything finally worked out but it took a lot longer than it was supposed to. It was also because of persistence on our part. We had to stay on top of it and constantly email various people.
Reviewed Dec. 28, 2017
21st Mortgage did a good job handling our first mortgage. It was a very straightforward process. Everything was laid out for us quite simply and we obtained all the documentation we needed. Then we forwarded it to the representatives and everything went smoothly. The whole process took about a little over 30 days. The loan officer was very cordial and helpful as well as responsive to all our questions. But the communication between the complex and the representatives in 21st Century could have been a bit tighter though. Other than that, we had a very pleasant experience and we're happy in all aspects.
Reviewed Dec. 27, 2017
On several occasions since 2010 to present upon mailing payments to 21st Mortgage using the payment book stub and envelopes provided by 21st. Mortgage, the payments were not received. I have made complaints to BBB and Consumer Affairs in the past with no results other than lip service. This has just happened again. A check was mailed on 12/2/2017 using U.S. Postal Service, as of 12/27/2017 the check was not received. This has happened on at least 3 occasions in the past. In 2014 this happened resulting in a mark against my credit, which took me over a year to clear up. This company needs to have their payment receipt dept. looked into and is this happening to other customers.
Please contact 21st Mortgage Customer Service at 865-523-2120 x 2900.
Reviewed Dec. 27, 2017
I found a bigger property I wanted to buy, so I got a mortgage. 21st was the one that I knew about from the lady who owned the property before and they approved me. I filled out an application, then they gave me a free approval thing. But the loan process took a lot longer than expected and they should have stated more clearly what exactly they wanted because I had to send a bunch of stuff multiple times after doing my application. Other than that, I'm satisfied with my experience. If people are trying to buy something, they should try 21st Mortgage.
Reviewed Dec. 26, 2017
We wanted to do a consolidation after we paid off our mortgage so, we decided to do an additional mortgage on a manufactured home and there were only a select few mortgage companies that do it. I worked with Steve from 21st Mortgage and he was super. He addressed any issues we had. He got back to me both through email and call and offered the best customer service. I submitted everything to him but the underwriter looked at it as an additional money on top of the debts we were going to use the mortgage to pay off. It was a hiccup but we got everything cleared up and done. Overall, the application process was excellent and it took four to five weeks. I would highly recommend 21st Mortgage.
Reviewed Dec. 25, 2017
I was looking at a place to buy and there were different mortgage companies I had to look at. I checked 21st Mortgage first and Joe was a very nice and helpful guy. He was a salesperson there and he let me know where we stood all the time on the reverse mortgage and what was next. When we bought it out of an estate, he worked both with me and the lady that was over the estate. He did a great job.
Reviewed Dec. 24, 2017
My friend had a mobile home that he was looking to get out of the mortgage on and since I wanted to get out of the rental game, I decided to purchase his mobile home. He happened to be financed through 21st Mortgage so we went through what we thought was going to be the simplest route which was going straight to 21st Mortgage. But the process turned out to be a nightmare.
I very rarely was able to get the licensed mortgage associate for South Dakota on the phone but I wanted to leave voicemails and asked for a return phone call, I never got one. Most everything was done through email. There was a lot of confusion. I explained to them various times that I had never purchased a home, never even looked into purchasing a home and that I had zero ideas of what I was doing here. I was not going through a realtor. We were simply trying to do a simple loan assumption of me taking over his responsibility.
They told me that that wasn’t even an option but once I actually got my loan, all of a sudden, I got to log in to their system online and found out that they had an area that covered loan assumptions. I dealt with several different people and not just the licensed agent for this particular state. I dealt with his supervisor and left voicemails for him but I never received phone calls back. Overall, the entire organization and the communication of trying to figure anything out left a lot to be desired.
It was kind of on a time crunch. The lack of experience and communication and just trying to get anything done and figuring out what the options were was next to the impossible. Multiple times, I submitted everything that they asked of me. They gave me a list of 10 things and I'd send in eight of them and they would tell me all of those eight were good and they'd be waiting to get the last two in. But when I sent the last two in, all of a sudden, I'd get something back saying four of the first eight I sent in weren’t sufficient. Every time they handed it off to somebody else, it was not what they needed and we needed to go back.
The communication was the key thing. Even the guy that I bought this from had a lot of the same issues because he purchased it through some mobile home company around here. His mortgage was purchased from whoever the finance company that he dealt with and they were bought by 21st Mortgage. They never called him. They sent him a piece of mail with a payment book and essentially said, “We now own your loan. Make your payments.” He didn’t have very good experience with them either. 21st Mortgage offered decent rates but if I could have just gotten a better communication, this whole process would have gone a lot smoother and I would have been more satisfied with the process.
Reviewed Dec. 22, 2017
We were looking into applying for a mortgage because we were planning to buy a mobile home. We were already approved for a loan by another small bank but their terms didn't work with our savings. We needed to go with something better. Then, someone recommended 21st Mortgage to us and we went with them. However, the application didn't go smoothly. There were a lot of missing paperwork on their side that they needed. My wife and I had to contact them often because we would get phone calls about it. Even at work, my wife had to get ahold of them and it was definitely a headache.
They also made me go back to the lady we were filing from, which was hard for her since her partner had just died. It prolonged the process for us and her too. Even the closing date had to be pushed back for a month. But they got the job done eventually. Talk to your loan officer upfront and make sure that they got their task in a row. Also, make sure that they give you a list of every single thing that they’re going to need at the beginning instead of stretching it out and prolonging the closing time.
Reviewed Dec. 21, 2017
Our 21st Mortgage loan officer couldn't give us paperwork on sections and he didn’t have his stuff together. The title company also had problems with him getting the paperwork together. He was slow on everything and he’d tell me one thing and tell them another. I ended up calling his boss because they never gave me a straight answer on how my loan was. As far as the appraisal on my house so they could get the next step going, he did it a week late. We had problems at the end too as he got all my down payment numbers mixed up. We had to postpone the closing three times due to his being slow and inconsistent in trying to get everything going. It was a nightmare. I’ll never do business with them again.
Please contact 21st Mortgage Customer Service at 865-523-2120 x 2900.
Reviewed Dec. 20, 2017
Most lending companies will not do a loan on a manufactured home. But obtaining the mortgage with 21st Mortgage was fairly easy. From application to closing date it was about less than a month. The person that I dealt with, Joy, was amazing but she would get confused because the underwriter was reaching out directly to me rather than going through her so when I would forward documents to underwriting she wouldn't be aware of it. Then she'd send me emails for the same stuff and then I'm going have to turn around and send them to her.
Also the interest rate is a little high which I don't like and don't care for. But under the circumstances my home is not on its own property and I kind of understand. But it would be nice, based on credit scores, if they could offer a lesser rate than the average going rate under the circumstances. Other than that 21st Mortgage is fairly easy to work with, compassionate, understanding and prompt. I would recommend them.
Reviewed Dec. 19, 2017
I have a mortgage through 21st Mortgage Corporation, and I needed to have some questions answered and my payment schedule revised. My assigned representative is Nicole ** and I have to say that she was incredibly helpful, very understanding, and very gracious with my situation. She has been wonderful to work with as well as her supervisors Shelby and Amanda. I would recommend 21st Mortgage Corporation to anyone who is looking for a home loan just because of the wonderful customer service that I have received. Thank you ladies!
Reviewed Dec. 19, 2017
I talked to somebody about home loans and they recommended me to someone who knew 21st Mortgage Corporation to see if I'd like to go through with it. This was my first time doing a home loan and their process wasn't all that difficult. It took four months and I learned a lot from my experience. When I first started with them, my paperwork was coming in the mail so I can sign them. The rep was nice and very courteous. He would answer me if I had questions and if I couldn't get him on the phone, he'd call me back. I'm really satisfied with 21st Mortgage. I found that it's a great place. If other people wanted to go on a home loan and if they're trying to choose a company, I'd tell them 21st Mortgage is okay because I went through their process.
Reviewed Dec. 18, 2017
21st Mortgage Corporation was recommended by somebody that lived in the community we were purchasing in. The application process was straightforward. I had to do the basic general application and provide documents proving income. It was a fairly easy process. It was all done via email. The actual person I was dealing with was very responsive and she took care of everything that I needed but it was odd that she never picked up the phone. But they were very easy to work with. I had to apply for a mortgage once before and they weren't quite so easy so I was happy this time around as it wasn't as difficult. I would definitely recommend them.
Reviewed Dec. 17, 2017
21st Mortgage Corporation was the only company I could find that would give a mortgage on a manufactured house with leased land. The paperwork kept going back and forth. Everything had to be faxed and then there was no response that they received the paperwork. They just kept sending back the same paperwork, that these are the things they needed, and one of them was that they wanted me to pay off my car loan which was an interest-free car loan. Why would I pay it off? This has been my fourth house but I haven’t had this much paperwork and problems. They need to streamline it if they can or get an office out in California. I would never recommend them. It might be the only company, but if I can find another one, I will get out of it. I'll tell a friend asking about 21st Mortgage to do more research to find another company.
Reviewed Dec. 16, 2017
The person who sold me my mobile home picked 21st Mortgage for me and they were great, easy to deal with and professional. Their home loan process was very easy. I understood everything that was going on and I had no problems. I had to call them twice and the rep that I talked to was great.
Reviewed Dec. 15, 2017
21st took a chance and worked with me to obtain my mortgage when numerous other places "rejected" me. The staff is great and always willing to work with you! I’m very satisfied with them and would recommend to ANYONE! Thank you 21st for the opportunity to own a home!
Reviewed Dec. 15, 2017
21st Mortgage is an honest company and their home loan process was easy and quick. It took three weeks to complete the process. Also, the loan officer whom I've worked with was helpful and pleasant.
Reviewed Dec. 14, 2017
It's my first time buying a home and I did a bunch of research of different providers. 21st Mortgage offered a better rate for me. They responded the quickest when I filled their online application and Karen, my loan initiator, was very prompt in responding to emails. I had plenty of questions and she was super helpful. She helped me figure out what I needed and didn’t need and what to worry about. The process was so simple. Although, there were a couple of times they had to call before noon my time in West Coast to respond since 21st is in a different time zone. The reps were great and were able to figure out when I had a mix-up with the appraisal company and the process was put on hold. Also, the gal from the title company I was working with said she struggled with some of the terms or something to do with a title transfer fee and the payment. Other than that, everything went through pretty good.
Reviewed Dec. 12, 2017
The first place I looked at, the estimate came out off so I had to look for another place. But once I wanted the other place, 21st Mortgage Corporation, the process went by pretty quick. It was a smooth experience but the escrow took forever. The rep I spoke to was cool and they kept in touch with me. I'd recommend them to a friend.
Reviewed Dec. 11, 2017
I purchased my grandmother's house and she went with 21st Mortgage so I went with them too. Like getting any kind of loan or mortgage with any company I had to get all the stuff and take a lot of steps. I worked on it with a really nice lady. She always kept me on top of things. If I'm missing something she always lets me know. They got me into my house in no time and it was a pleasant experience.
Reviewed Dec. 10, 2017
21st Mortgage's loan process was very difficult. I’m a 100% disabled veteran and I had to send them over 33 pages of documents about me. It was terrible. And every time I’d send them something, they’d ask for something else and then, I had to send something else to back it up. I understand that they have rules and regulations and I know the bank situation, but it was just for $50,000 which was not a lot of money. Also, the whole process took six weeks which was way too long. But the rep I talked to was professional, and I recommended 21st Mortgage to somebody.
Reviewed Dec. 9, 2017
21st Mortgage has a good system and rate, and I like everything about them including how to pay my bills by phone. A rep who spoke in Spanish explained everything well and he was nice. I would recommend them.
Reviewed Dec. 8, 2017
21st Mortgage was the only one that would finance a trailer at my price. But my experience with the loan officer was really awful. I felt comfortable with him but he was out of the office every other week and I would get a partial list of paperwork that was needed and then he would send me another list and I would get about a dozen of each from another list. We've been back and forth for about three months because he was out of the office so much. We started in July and we weren't done until October. So don't go with them unless you have to.
Reviewed Dec. 7, 2017
Chris ** was very Helpful. He did save us $1,000.00 on are Insurances. Very grateful for all his help.. Thank you and once again I really want to thank Chris ** for his speedy when closing. He made it happen very quickly.
Reviewed Dec. 7, 2017
21st Mortgage was awesome. They were fast, answered all of my questions right away. I would recommend them again. They told me it would take six to eight weeks but it was less than four weeks. They sent my payment book right away. The only bad thing I could say is that the interest rate is high with them but they are loaning on mobile homes and it's hard to find a lender for a mobile home.
Reviewed Dec. 7, 2017
Was a very nice experience working with Ken! From start to finish, offering the best service overall I've ever run into. My clients were certainly very happy with his help with the purchase of his home. Ken is very professional and provided us with knowledge and make the transaction easy for me and my client. The transactions went by smoothly and without any trouble! I definitely would recommend Ken! It was a pleasure working with you again! Ken was a lifesaver! His work is incredible!
Reviewed Dec. 7, 2017
Dustin ** at Palm Harbor Tomball was extraordinary in helping me achieve my goal. I had no idea of the land development that had to take place from beginning to end. Even with all of the bumps I incurred, he professionally helped and guided me with satisfactory alternatives, thus paving the road for a smooth transition to complete homeownership.
Reviewed Dec. 7, 2017
I am very happy with the process as this was my first home purchase. The only thing I was frustrated about the process is not being able to communicate more through phone conversation versus email. A lot miscommunication could have resolve stuff faster. Other than that I am glad to be able to be a homeowner thanks to Adam and my realtor. He worked with me to ensure I got my dream home. Thanks.
Reviewed Dec. 7, 2017
I purchased a mobile home in September with a private lien holder. 21st Mortgage allowed me to refinance this with no issues. The good communication between 21st Mortgage and myself helped make my transaction go smooth. This was a quick and painless transaction.
Reviewed Dec. 7, 2017
We had a real smooth transaction doing our paperwork with 21st Mortgage in buying our home. There was a lot of paperwork that had to be done and 21st Mortgage was right there to help us. They made it a real pleasure.
Reviewed Dec. 7, 2017
My experience with 21st Mortgage went great. I applied for a home loan, they called me and it took a month and a half to process. This December 15th will be my second payment. So far, everything is good. I'd tell a friend that they have an easy process.
Reviewed Dec. 6, 2017
I was buying for my granddaughter and 21st Mortgage was the only one who would do as such. Otherwise, I wouldn't have used them since their rates are too high and I was paying too much interest even if I have really good credit. It also took way longer to close than it should have. All their reps were friendly and when I called them to ask what's going on, they worked with it but if I didn't call, nothing would happen.
Reviewed Dec. 5, 2017
21st Mortgage was the first one to get back to me when they have forwarded to me the applications. I did the application with their loan officer, Ryan. He was friendly, very helpful and went out of his way to call me back. The loan process was very speedy and he told me what I needed every step of the way. It was an excellent experience and I would highly recommend them.
Reviewed Dec. 4, 2017
At the start, I was hitting the walls left and right. Nobody wants to finance a trailer. I made over $100,000 a year and it looked like nobody wanted to try to help me. I’m 60 years old, so it’s hard to find people that are looking at me in the long run. Finally, I just blew one time and a gentleman told me that he was the owner of the trailers. He told me about 21st Mortgage and that they will finance trailers. And 21st Mortgage did. They contacted me and they did what they said they were going to do. That means a lot to me. The experience has been good so far. They were real easy to work with and they helped me out by the whole nine yards financing my houses. They’ve really done me right, so I’m more than happy to give them my business.
The only thing I didn’t understand was the taxes that are going up because my mortgage payment went up. It wasn’t much, but it was a little bit. But the representatives have been real helpful and they explained to me that the taxes have gone up and the insurance has gone up on certain things through the years. They’ve been fair. I want to buy three more houses because I have a little ranch and then a place in Houston. I’m trying to buy a trailer for each place, so when I go down there I'm very comfortable. I’m hoping to use 21st Mortgage again if they give me a good rate.
Reviewed Dec. 3, 2017
21st Mortgage financed our home 19 years ago when we first bought it. We paid off that loan and we went back to them to see about getting a home improvement loan. The process was wonderful. Adam, the loan officer, was very professional. He was also very prompt and was always accessible. I only have good things to say about 21st Mortgage.
Reviewed Nov. 29, 2017
I had an older aged mobile home which was not easy to get loans on. When I couldn’t find many other options for what I was looking for, 21st Mortgage was available for what I needed and helped me with it. The home loan process went very smooth and their rep, Scott, was in good communication with me. He was very personal, friendly, nice, and had good knowledge. Whenever I have questions, I got answers quickly and he would inform me and kept me in the loop whenever he knew of something. I’m very happy with his help.
Reviewed Nov. 28, 2017
I couldn’t find too many mortgages that would lend mobile homes in this park. Getting set up with 21st Mortgage Corporation wasn’t too hard because I had help from my real estate agent who sold my house. He helped me go through the process because 21st did a lot of stuff that I didn’t know what to do. We’ve been here since March and I already made six payments to 21st.
Their customer service representatives were honest. They told me that at this point in time I cannot get the extension on the years that I’m paying on. They had to put in at least three years into the loan in order for me to change the arrangement. And that it’s a rule that they have. Instead of giving me a 15 or a 20-year loan, they only gave me a seven-year loan because of my age. And then I asked them if I could get the loan extended to 15 years if I get a co-signer who is younger than me, and they told me that it wouldn’t work. I’m satisfied with 21st Mortgage and so far, the service has been okay. My only problem is that my payments are too high, and I’m not going to be able to keep it too much longer. So, I’m looking for another mortgage that’ll give me a refinance, so I can get more years and my payments will go down.
Reviewed Nov. 28, 2017
I have been with 21st Mortgage for several years now. Recently my family has went through some tough times. Bethany ** and Chad were very understanding and sympathetic to our situation. They helped me with a plan to get back on track and showed compassion and understanding. I think they are both great people and we are very thankful to both of them. Thank you both very much.
Reviewed Nov. 27, 2017
We bought a mobile home and 21st Mortgage Corporation was the preferred lender we used. There's only a couple of them for the mobile home process in Reno, Nevada and they were the first one who gave us the loan. We are happy with the terms and they gave us a decent interest rate. We were told it would take between 45 and 60 days to close a mobile home and by the time we got all the inspections, our bills and everything else for the finance, about 45 days have passed. Mobile homes take a little longer than regular homes, but it was pretty painless. There wasn't much to do. We gave them all the information and had no problems. It was great.
It was my wife who dealt with them and from what I have been told, they were really courteous, friendly, and knowledgeable. They answered all of our questions, however, sometimes it would take them two or three days to send us an email back. But they always explained what they were doing. Plus, they treated us like people, and not just a number or a statistic. It was an easy process. We're quite happy and would recommend them to anybody.
Reviewed Nov. 26, 2017
21st Mortgage Corporation's reps were great. They were very informative, friendly, and direct to the point. They knew their jobs. Plus, they made it simple and easier for my first time home buying experience. The process from beginning to end took three months. They are a good company with great people.
Reviewed Nov. 25, 2017
I bought a trailer from Solitaire Homes and they lined me up with 21st Mortgage Corporation. At the time that we were doing the closing, it was really confusing because they kept sending me paperwork and it was repeating itself. But I’ve been making my payment. And they’re holding up their end of the bargain. I’m happy with my trailer and everything.
Reviewed Nov. 24, 2017
With 21st Mortgage Corporation, doing everything online including the payment and loan process was easy. Their reps were available to answer and explain the questions that I had such as certain fees that were on the loan that I didn't anticipate. The only thing is that the payment takes four days or even longer to be taken out of the bank so I never knew if it did go through. Other than that, they’re very helpful in buying a new home.
Reviewed Nov. 23, 2017
21st Mortgage Corporation was what was offered to us by the dealer. I had a couple of questions when we were getting approved. I called and left about 10 messages that I never got a callback from the rep. Other than that, the process itself went pretty smooth. It took a little longer than we wanted to but that was just to get the paperwork together.
Reviewed Nov. 22, 2017
I purchased a mobile home and where I bought it from used 21st Mortgage. I've called 21st Mortgage once about the payment, but I wish they could talk with me more specifically my loan person so I could understand some more things.
Reviewed Nov. 21, 2017
I bought a mobile home and I was told that 21st Mortgage Corporation was my only choice for my financing needs because most banks didn’t want anything to do with mobile homes. The interest rate was high but they said that it's because it's a mobile home. I got diagnosed with congestive heart failure and got put on social security so I needed to get my son and myself some place to live that I could afford and we stepped into this. The home is ideal and it's what we needed.
Their loan process was good and the people were nice. Our rep was a very sweet and very knowledgeable lady. As we were signing the papers, if I had a question, she'd stop and put the papers and pen down and answered my questions to the best of her knowledge. She made sure that I understood and then went back to what she was doing. Also, we were on time restraint and they were willing to work with me. Buying a home is sometimes a real pain in the backside but this time, it was quick and painless. They seemed to do everything to make me feel at ease. I've recommended them to some of my friends and I would feel comfortable recommending them to anybody that asked me even to a stranger.
Reviewed Nov. 20, 2017
I took the opportunity to sign up for a mortgage with 21st Mortgage and I got approved for the loan. The process was very simple from start to finish and the reps showed no attitude while I was there. It was a good experience overall and I didn't have any issues.
Reviewed Nov. 19, 2017
I need to let you know that Zachary ** is an asset to your company. He has helped me during a tougher time period in my life. The way that she speaks and communicates with your customers is invaluable to a company. He is a true asset to your customers and I'm sure he is great around your office as well.
Reviewed Nov. 19, 2017
I got in touch with 21st Mortgage for a loan and the process was pretty quick. I had to put down quite a bit of money, but the loan is making my credit a little bit better, and I got a home, which was what I wanted. Everybody was nice and courteous. I only talked to their representatives on the phone one time, and they were good and they did their job. It was a good experience and eventually, it’ll take me to do better things.
Reviewed Nov. 18, 2017
I used 21st Mortgage years and years ago. I liked their service that I could call in and make my payment. It was easy and convenient. I was impressed with them so I thought I'd use them again. Teresa, the loan officer, helped with the process. She did well with the paperwork. They caught a little minor mistake that got corrected pretty fast. It didn't hold anything up and everything went pretty smooth. If I have any questions, I would just call them and ask. They're pretty informative on that end. I'd definitely recommend 21st Mortgage to anybody else. They've been excellent with me. We're going buy another home and we'll use them again. They're an awesome company that takes care of the customers and that's what's important.
21st Mortgage Corporation Company Information
- Company Name:
- 21st Mortgage Corporation
- Address:
- 620 Market Square
- City:
- Knoxville
- State/Province:
- TN
- Postal Code:
- 37902
- Country:
- United States
- Website:
- www.21stmortgage.com
