21st Mortgage Corporation Reviews

First thing first! Huge Thank you to the team members on my case! You answered all my annoying calls, emails, and questions. You worked very hard and late hours just to meet my deadline. 21st isn't just some corporation, its hardworking family's looking out for one another. Thanks again 21st ❤️.

Tonight I’m proudly in my home after years of renting. Without 21St Mortgage this dream come true would not have happened. I am so grateful. Lindsay was my contact and she worked with me, my realtor and the appraiser and seller to complete the file. Amazing that all or nearly all of this was done using a phone or Ipad.

I applied for my loan around 5/6/2025. We closed 8/15/2025. That was ridiculous! Every piece of documentation wasn't right, wasn't what they wanted though they asked for them. It was basically a nightmare for seller and myself. I've purchased other homes and never had such a hassle-ridden process. My realtor and insurance agent had never seen such requirements. I will say communication was good but never good news.

This was my first experience with 21st as a loan customer. I have used them to help many, many home loan purchasers in my business experience of 31 years. They work diligently to get the loan done and are the best way to proceed on a project which requires development of improvements at a home site before the manufactured or modular home is placed there. Less fees, loan interest on improvements, and no PMI for their loans.

Updated on 09/02/2025: These people are the worst, to deal with, they will don't care about you or your issues. Either you pay them or they put you out on the streets,, they change your payments whenever they want and if you don't have the money to pay the raise they just keep pulling out of next payment and the next and the next making every payment late from not enough funds, this is what we are dealing with now. Insurance went up and escrow was low, we had called and fixed the insurance issue and 3 months later 21st still has redone our payment back to the right monthly payment and now they won't answer my calls.

My loan officer from 21st Mortgage was good. But, they often waited until the last minute until the end of the day to get back with us. I work Monday through Friday, and it’s super hard to get a hold of me throughout the week. There were a couple of times I didn’t know that something needed to be turned in until later that afternoon or until after I got off work, and was settled in bed. I had kept trying to tell them to call my fiancé, but they kept calling me first. They could have worked a little bit harder to get in touch with me during the times I was available or contact my fiancé instead.

I wanted to get an FHA loan, and it was really easy reaching out to 21st Mortgage. I felt the rates were comparable, so I filled out an online application, and they assigned me a customer representative and she was great. She was very prompt and responsive. I had to upload documents several times ‘cause they didn't always go through. But the process ended up being a little shorter than what I thought it would, so it was great.

One of my friends told me about 21st Mortgage. The loan officer, Justin, was nice. The process took a little while, but I think it was just on the seller and then getting documents to them and seeing what else they needed.

Because banks are more strict about mobile homes, I searched on Google and found 21st Mortgage. After reading over their information, it just seemed like the best option. I put in the application May 19th, and I even switched to a different home in between the time, but I got moved in July 9th. It was a good experience for my first purchase.

Brian was Easy to work with and very helpful. This was my first purchase of a manufactured home and I am grateful that 21st Mortgage was there to provide financing. I wish the sellers were as knowledgeable as Brian, which made it even better to have Brian on my side.

This place is a joke. Stay away from them. They nitpick everything and waste time and money. The underwriters are worthless. They have wasted over 2 months of my time and money and still nothing. We had professionals look at the house and say everything is fine even though their ** underwriters are saying it’s not. We have spent a lot of money already for nothing when they don’t even go by the professional's opinion. They look at pictures and take a guess making a decision off of that. Worst experience I’ve ever had and I’ve bought many houses.

I’ve used 21st Mortgage before and I like the ease of doing the loan with them. I submitted the required documents on my end in a timely fashion. And then at the end, I get told that I need other things that I could have already been working on, like the W-9 for one of the people getting paid off. My loan originator said that he would call me and go over everything, but he never did.

Drew was great! He answered all of our questions along the way and never left us uncertain. Definitely was a great experience! I’d recommend Drew to anyone interested in buying a house! He had no issues going above and beyond to get us taken care of! Thank you 21st for helping us buy our first home!

I got approval within 24 hours with 21st Mortgage Corporation. The process was very good and simple. I got a loan adviser and his name was Justin. He was really helpful throughout the process. I would call him for any questions and he would usually either answer the question or have the issue resolved within 24 hours. Normally, I didn't even need to leave a message for him. I had a great experience with 21st Mortgage. If you want to get something done in a reasonable amount of time, it's the way to go.

I had Drew ** as my mortgage broker and he kept me in the loop constantly to let me know if all of the steps were being taken and although we had some bumps in the road, he kept me positive and assured that all was okay. He was very helpful and as an older person, I appreciated his patience with me on some things.

My loan officer apparently quit in the middle of my loan processing. I was the one who had to constantly call and keep them on track to make my closing which ended up three days later than expected. They did not reassign my file and I was given very poor interest rates despite my very high credit score. This seems like a predatory lender and practices.

With having a long background in mortgage banking myself mainly in conventional mortgage programs prior to becoming disabled I can say the entire process with 21st mortgage Corp was excellent from application to underwriting to appraisal process to clearing to close all excellent. Great business model, great people working for the company, their future looks bright and they provided a much-needed service.

The process went extremely well until the last week when we lost complete communication with our LO. We were left believing that the loan was not going to close either on time or at all, and neither us nor title could determine what was going on. No notices, no updates, nothing. And then, when the loan was supposed to fund after not hearing anything for several days, it funded. All it would have taken was a little bit of communication on the last few days for us to have received a positive human experience throughout the transaction. However, that window of going dark made the entire transaction nothing more than average.

I found 21st Mortgage in the internet. I hope they would improve their response time, whether it'd be by phone or by email.

The process with 21st Mortgage was straightforward–just uploading documents. They told me to upload the documents, I uploaded them all, and they told me when they were accepted, and very easy. I dealt with Drew, and he was great. He answered every one of my questions in a timely manner.

I’ve purchased homes in the past, and this is actually my fourth property, but this was very challenging. They require more information on mobile homes so there was a lot of back and forth. I didn't have an option to go with any other lenders or discuss rates. 21st Mortgage was all they were offering for mobile home units in my area. I wasn't too happy with that. But the overall process and customer service was good, so I would recommend them.

I knew that the house was up for sale, but I didn’t know that 21st Mortgage were the ones that had it for sale. It seemed like they prolonged everything. It took forever for them to reach out and say they needed something, and then a week later, they’d need something else. Two weeks later, they'd say it's approved. And another two weeks later, they'll ask for something else. It just kept going back and forth. It took five weeks at most. But most of that was just approving the things that we “did wrong.” We had to do a lot of stuff twice. The signatures, they weren't happy with because it was written out instead of electronically signed. When we messaged back and forth, though, they were precise on answering questions and responded in a timely manner. I just took it as a learning experience. In the near future, if I’d do it again, I understand it a little bit better.

21st Mortgage was recommended to me by my Realtor. Teresa, their customer service representative, helped me, and she was amazing. What impressed me the most was how fast everything was done. Anytime I had a question, it was easy to call and get an answer.

I already had a loan, and I just refinanced it with 21st Mortgage. The process was okay. It was just a little slow and a little drawn out. It took a good three months from beginning to end. And the communication could be improved because the person I was dealing with was slow-acting and never available every time I called her number, which I thought was weird. It was difficult to get ahold of her. I had to speak to another representative, and they would relay or answer my questions. But when I finally got ahold of her, she would give me the answers that I was seeking. And if she needed something, she would call me. 

The experience was incredible. I got in touch with Jerry a couple of days ago because I wasn't sure what P&L means. Even though I already finished the process, he instantly messaged me as if I was going through the process still. Also, I had been in escrow for 55 days, which wasn't anyone's fault other than the sellers' because they had issues on their end. But when we finally got them to sign, Drew, my lender, and my escrow, Heidi, worked all day and night so I could get the keys the very next day. This was important and noticeable for me. That felt so good to me because we were ready and like, "Come on."

Trevor was our loan officer and he was really nice to work with, and I really appreciate him. He responded really well and really walked us through each step. The mortgage process was surprisingly easy and straightforward. Our experience, overall, was picture-perfect. It went so smoothly. Everything was done super timely. There was really great communication. 21st Mortgage is a really great company.

I filled out an application online with 21st Mortgage and I went through the process and it was easy. Their price was also better compared to other companies I looked at. Paige was also amazing. She returned any calls or emails or messages very promptly. If she didn't have the information that I needed, she found it for me as soon as possible.

The process at 21st Mortgage was easy. The in-between, my agent, Joy, was not much help in the beginning. She told me that everything was in the app and it was right there. Even though I explained to her that it was my first time ever doing a mortgage, I've never had to deal with it, she kind of said, “Oh it's just all right there in the mortgage.” Not explaining any of it to me. I had to have a friend explain it to me. Then when we tried to contact her, she was either out of the office or not available.

21st Mortgage Corporation does mobile home mortgages in a park, which caught my interest. Their lending process was fantastic and easy. They opened a portal, and they had a list of documents, then you click where to upload your documents. From the application to the approval, it was quicker than anybody expected. The application process took less than an hour and it went shockingly smooth. I tell everybody it was the good Lord who was guiding this one. My loan officer was Brian and he was Johnny-on-the-spot. I sent him an email with my questions on things I didn't understand. And I would send him emails constantly any time a question came up. Within 24 hours, he had me responded to. A couple of times, he called me to make sure I understood and he followed up. He was hands-on the whole way.

I bought a manufactured home. I decided to go with 21st Mortgage. Their customer service reps were all very good, especially the loan originator. She was very helpful. From the beginning to the end, everything was a little longer than I thought. It was much longer than a house closing. It was about 10 weeks longer than that. I felt like they wanted more documentation from the cosigner, which I didn't feel was appropriate because I'm the buyer. They dove deep in the cosigner's business taxes. He was just a cosigner. They didn't dive deep on me, which was very interesting. So, it was a little different than a house closing, but we got there.

I recently refinance my home with 21st Mortgage. It was not a good experience. No one kept me informed on the progress of my loan and no one could answer my questions. I got passed around and still didn't get an answer. My loan was already with 21st but it took around 60 days to get to closing. This is unacceptable. I work in the mortgage business and it has never took me 60 days to process a loan. I am just blown away by the lack of member service.

I knew about 21st Mortgage through a property manager for a lot that I met randomly, and I decided to go with them. There weren't very many other options for financing a manufactured house without a 20 or 30% downpayment and 21st Mortgage allowed us to access a property that was a better value, and not so run-down, so we could increase our purchase price significantly. Before I had gone through 21st, we were looking for stick-built homes and we'd already gone through the loan approval process. But the seller's agent was challenging to work with. He was very unresponsive.

I was previously financed with 21st Mortgage. I went with them again and it was to purchase it through a divorce to put in money. It was a new finance, but it was out of my husband's name instead of mine. They were awesome and very helpful. I worked with Joy and she was patient with me. I was probably more difficult than anything. However, I absolutely hate the rate. I think it's ridiculous. I'm paying double than I was before for the same house. That's a hard hit for anyone to take. And I had to put down a huge deposit to even get the note.

Go through 21st Mortgage if you are looking into a mobile home like we did. We finally got to our own place because of 21st Mortgage. It made our life a lot better. The trailer park I found my mobile home in that I purchased uses 21st Mortgage, and they recommended me to them to get the loan for the place. The rep was there for any questions I had, and he answered them. If he wasn't available, he got back to me quickly with the answers I needed. He was great.

A lot of banks in this area don't consider mobile homes as actual homes. So, I was deciding between 21st Mortgage and another company. I went with 21st Mortgage due to the convenience from where I'm located. I just sent all the stuff over and got approved and here we are. I got the pre-approval within the first two days. It was kind of a pain. There was a couple of times where we almost lost our place because the underwriters kept asking for more and more things when we would communicate upfront and ask if there was anything else that they need. It would be five days later that they would be asking for something else. It probably got dragged out a month and a half longer than it should've. Also, the annual percentage rate that I got is high for what it should be.

The realtor we were using recommended 21st Mortgage and I found that the website could use an update. It's not very user-friendly. Another thing is that the main person that started the process seemed to be off on vacation for weeks on end. It held me up for a couple weeks because of it. I kept getting different people to step in and process my paperwork or give me updates or needing information. It seemed to be a different person every time.

I was looking to buy a house and I applied for a conventional loan with 21st Mortgage. I wouldn't have gone with a company like them. I would have gone with a regular bank or a credit union, but the property I was looking at was a twice-moved manufactured home. So, 21st Mortgage was really the only available option with them that I found. In the beginning, everything went smoothly. Preapproval, everything was fast. Joy was the one I was in contact with until it went to underwriting. Everything was good in the beginning but once it went to underwriting, everything slowed way down and did not go very smoothly. There was a lack of communication within their company. It took a lot of me reaching out to them to figure out what was needed and how to keep the process going. My original closing date was pushed back. Then the second closing date was pushed back.

The application at 21st Mortgage was online and it was good to know that you could drop it and then pick it up where you left off when you had more time. The reps I worked with were also helpful, knowledgeable and got the deal done. They answered all my questions as well.

21st Mortgage was good with communication. My loan officer was very good. He was very clear with next steps. The email requests were very timely, and we know exactly what we needed to do. The only glitch I experienced was at the very end. We are originally scheduled for a closing date on June 30th, and then the closer at 21st called our title company and said they couldn't do it for that date. They need at least another week to prepare documents. So, we said okay. We made plans to go away for the weekend because we knew we weren't closing. I was halfway to Pennsylvania, and I got a phone call from my Realtor who said we could close that day. According to my title company, it was just a miscommunication more between the 21st Mortgage closer and the title company. It just delayed everything for a week. I felt worse for the homeowner that we were buying the home from because he's very ill and he just wanted to get it done.

The process at 21st Mortgage was fairly easy. I went through everything. There was a little bit of difficulty, but it wasn't anything major. It was just like, “Okay. I gotta make sure I do this right.” They were also pretty good at responding back to me in a timely manner and just had good communication and let me know what was needed and how soon. It was a positive experience.

Communication was lacking. Numbers weren't accurate. Closing was delayed. Very unnecessary for such a simple transaction. Needed to meet minimum loan amount so couldn't put down all the money we wanted to. High interest rates. Transaction made to be stressful when it shouldn't be. Provided information multiple times. They consistently sent emails to wrong address. I had the correct information for the home and they argued with me because the agent sent in wrong title.

Brian W. helped us complete a very quick refinance of our home. He was extremely clear in is instructions as well as very helpful when I needed him to clarify a document or action. And he kept me updated on status at each step of the process. This was the fastest refi I have ever experienced. "Thank You" Brian W, for all of your excellent help!

Throughout the purchase of my home I was helped by Teresa **, she was fast, helpful, and very professional, she was able to work at my speed and met all my expectations. I would definitely want to work with her again when I purchase a bigger home. Thank you all for your help.

Dealing with 21st Mortgage has been a wonderful experience. While my girlfriend dealt with getting all the initial documents to the appropriate party, everything was smooth sailing, and I couldn’t be happier with the experience, and also being able to obtain homeowners insurance through them meant not having to deal with the hassle of shopping around.

I know there are very few places that loan for a home in a park. 21st Mortgage was recommended to me by the park manager. It was my first time taking out a home loan, and it ended up being a very nerve-wracking experience, but that was not necessarily on 21st Mortgage. I ended up at the doctor with ulcers, whether from the loan process or from trying to get everything accomplished.

If I could rate a “0” I would! The worst mortgage company ever and I have dealt with many over the years. The harassment and the company preventing you from making a payment when you call in until you have “discussed” the reason you were late. Why does it matter when we are calling in to make payments every week just to be harassed and told “we have to discuss the account and why you were late”! Don’t they make notes in the file or are they illiterates and incompetent?? They expect you to have a long stupid “discussion” every week saying the same thing???? Before you make a payment?? Ridiculous!!!

I didn't really choose 21st Mortgage Corporation. My Realtor is the one who got in touch with them to take care of the financing because they do mobile homes financing, and there are not very many places that do that. The overall lending process was okay. It was a little slow at some points, but I think that had to do with the seller's Realtor because they had to take care of some things before we could fully fund.

21st Mortgage gave me my dream of getting a house. I got a mobile home through them. It took about 3 weeks to process and they approved it immediately. Their rep is professional and was a great guy. If anyone asks me, I’d tell them they need to go over 21st and get a loan.

My Realtor referred me to 21st Mortgage. I applied in March of this year, and I had a great experience with them.

21st Mortgage was recommended to me by a Realtor we had worked with before, and they specialize in manufactured homes. The lending process was very smooth and quick. The representative from 21st, Drew, did a great job.

I financed my home through this company and they were very helpful throughout the whole process. Without a realtor they made the process easy and quick. I will be using them in the future, and recommend them to anyone trying to finance a manufactured home/ trailer. They make it very clear and simple on how to make your payments and work with you every step of the way.

We're really happy with 21st Mortgage. We're not happy with the interest, but I'm very happy that we were able to get it for my daughter because she really needed a home, and we needed to get it done quickly. We really appreciated it.

One thing I would have liked more was more contact. This was my husband's and I's 1st experience and it was very confusing. And at some points it got to a point where we were not sure about going through with the whole process.

Joy ** was great but when she was out of the office no one knew what was going on and the underwriters were not good at all. We moved to a small town with only 300 people in it. So you can't expect to have a comp homes within 7 miles or even 20 miles. And after we were approved and had over 10% down they changed it and need 20% down which we had but after a month of being approved with the first one to have to change it was bs and the whole thing took way too long between the underwriters and joy being out of the office. It took us 3 months to close on the home.

21st Mortgage Corporation process was a little long because we kept going back and forth between properties, but it was nice. They were helpful. I worked with Dylan, and his response time is pretty fast in answering my question.

I had 21st Mortgage before. I mortgaged my house with them before I refinanced. It was through the home manufacturer dealer that I got my home through. The application took about a month and a half. It was quick and easy.

21st Mortgage was recommended to me. It wasn’t easy but it was straightforward. We just had to find the right information. Communication through email was good and we closed in about three weeks.

My Realtor recommended 21st Mortgage. I don’t have anything to compare against, but the rates and terms seemed fine to me. Obviously, I would prefer a lower rate, but I understand that it’s volatile right now.

21st Mortgage was the loaner that my Realtor provided to me. Their loan officer was very helpful. During the application process, I had to send out a lot of information, but they would send them back. I had to keep resending them stuff and it's a little bit annoying. It sucked that I had to keep proving my income, my previous jobs, and all that history. I understand it's part of the process, though. They had to do a lot of underwriting.

We are extremely happy with your company. Our loan officer Ryan ** was amazing and very helpful. Will recommend you to everyone. Every other place we tried could not help us because of us having a manufactured home, but you guys were right there. Thank you again for your outstanding service.

Calob has been an absolute Godsend. I almost died in 2023 and got behind on my bills and have had a hard road recovering. He and his team have been so supportive in keeping me in my home. He and his team have help making my recovery less stressful.

We were purchasing a mobile home, and we took a title loan from 21st Mortgage. The application process was great. There were a lot of quick answers, and the response time was amazing. If I had questions, I called and somebody answered it. If my assigned representative wasn’t available, someone else had to assist and help me instantly. With the person I worked with, everything was immediate and on the ball. From start to finish, it took 30 days.

It was frustrating and the seller and lender were both annoying. It took two months to close because of issues between the seller and the lender. The seller had the wrong dimensions of the home, the lender redid the loan without sales tax, and come closing day, added it on, so my payment went up from $40 a month to $200. My choices were not to close or pay $200, and I wasn’t happy with either one. But I wanted the home, so I’m paying for it.

The application process at 21st Mortgage was easy. It was all online, and we received emails letting us know whether we were approved, and it took half an hour.

My Experience on a $20 Overdraft fee, I have been paying on time for over 16 years, Last year I had an instance where my bank account was stolen from and the bank stopped all payments in or out until it was resoled, as a result my payment was returned to 21st as unpaid. So I called and corrected this at that time. I was told that since I was a good customer they were sure this would be waived and sent it up to be approved. It was not and I never received anything from 21st stating that, and now 6 months later it is showing back up on my statement. Called back and went thru the same information again and they said they saw it in my notes from back then but that they said they had told me I had to have a letter from the bank stating that there was issues with my bank account and they would not accept my word on the matter only the banks.

We were doing everything online with 21st Mortgage. Teresa was our mortgage consultant and we also had a realtor. This was for a first-time buy of a mobile home. We were supposed to close on April 1st. When we went to close, I was told I could not have a key because of the fact that they needed a comp plate. I never heard of a comp plate so I wasn't familiar with that. Because it's a mobile home, they have some kind of plate that you get through Trenton. If I really needed that comp plate, that would've held things up even further. I was never told that I needed that until right before closing. But we found out through various places that we did not need a comp plate. As long as I have the title and the deed, everything should be fine.

Everyone at 21st Mortgage Corporation was friendly and I had good communication as far as I was concerned. I was recommended to them, and they worked well with my credit. Getting my mortgage went smoothly.

The loan officer at 21st Mortgage was okay. He's pretty nice and helpful with going through the process. Two guys helped us. I forgot one guy’s name. But the other dude’s name is Mario. I think 21st Mortgage is good.

From where I’m from, none of the banks or anyone around here would finance a mobile home. So, I had to find 21st Mortgage. Processing the loan was good, and they gave me a list periodically and told me what I needed. They reached right back out to me when I contacted them. They didn’t update me as much as I would have liked though. I had to call and email, but I understand that it was a long busy process. We submitted the application on February 14th and we closed on April 21st.

The seller was using 21st Mortgage, so I thought it would just be easier to use them too. The loan officer, Tyler, was professional and easygoing. They’re pretty solid.

I would not do business with this company. Especially if you're financing a construction loan with a manufactured home. They hold the DMV title to the home and won't retire the title until the loan is paid off. Other lenders will not approve a loan until the title is retired. Basically you're stuck with 21st Mortgage until you can pay them off in full.

21st Mortgage Corporation was the best option for us. The loan officer was wonderful, and he was very cooperative with everything. He was also informative about what we have to say with everything. Everything went smoothly, and they kept in touch.

21st Mortgage was great. It was my only option for a manufactured home. The consultant was able to answer all ym questions. The terms weren't the best, but because of my credit, that's the option I had. Besides that, everything's been great.

Obtaining a mortgage was seamless and a very nice process. I like that we could go online and fill the information out and upload anything ourselves. But I didn’t like the fact that it was a lot. I know the information that they were asking for was always needed but I felt like it was redundant.

I was told that 21st Mortgage was the better company to go through, and for someone who doesn't know how to do anything like that, it was pretty simple. I was surprised that I was able to do it, but I had help from Tyler, so I appreciate that.

It was very simple. I did a couple of things from my end, and they handled the rest. It took about a month and a half, maybe. I was in no kind of hurry. So, it could have been faster if I were faster. I think the rate or whatever was a little high, but it's my first time. So, whatever.

I bought a single‑wide trailer, but no banks around me would finance it. The guy I was renting it from needed to sell it to me or get it sold quickly because he was falling behind on bills. So, I did some googling, and that’s how I came across 21st Mortgage.

I got a loan for a mobile home with 21st Mortgage, and everything looks good. The process for buying a home just sucks in general, getting the loan was okay. Dylan, the loan officer, was very nice and informative. He was also very patient, and he helped us out a lot when we had any questions or didn’t really understand certain things. Overall, this company is great, but the loan percentages are high.

Our experience with 21st Mortgage has been very good. The application process was fluent and every time I had a doubt, I contacted them. They were very helpful every time I try to do any step. The process was quick and every time they ask me for any documentation they needed from me, I sent it over.

I heard about 21st Mortgage through my gent. The experience was great. Getting the mortgage was easy.

I found 21st Mortgage on the internet and decided to go with them since they would finance a mobile home. I needed to convert a construction loan to a mortgage. The agent was very helpful and thorough. When I called and emailed, I got answers both times. My only issue is it took a long time to get everything they wanted. The process needs to be quicker. Also, the rate wasn’t really great, but it is what it is.

I was a first-time homebuyer, and I’m currently pregnant. So, I felt like I was pretty much rushed into buying a home because it was either I had to renew my lease, or I gotta move out. And so, I just gave 21st Mortgage a shot. And the loan officer was very helpful.  My first payment is not until May 1st, but they already sent me the whole signing instructions on how to do it step-by-step. So, it seems like it’s going to be easy to complete the first payment.

I went with 21st Mortgage through a real estate agent. They were the first mortgage company I tried to go through and it ended up being a easy process for me. Chris was very helpful. He was excellent and kept me informed. The application was done online and it was updated every day. The application and underwriting process took about a month.

My experience with 21st Mortgage was exceptional. I don't have any concerns about it. All the things that I need, they solved for me. It's perfect.

My Realtor recommended that I go through 21st Mortgage. And my daughter who lives across the street from me in the same type of home also uses 21st. So I felt very confident with them.

I was bounced around by four different people before I was able to get a title. My loan wouldn't go through until I was able to get the title figured out because they messed up on their end. They sent my title, but they wouldn't call me back to keep me updated on anything. Communication is just not there. It was to the point where I was on hold for five hours to try to get answers because otherwise, I was gonna get kicked out of my park. I'm not very pleased. The payment process was fine, but everything else about the 21st Mortgage is not the greatest.

21st Mortgage Corporation was one of the only banks that did mobile home mortgages. There were a lot of steps and things that need to be proven and a lot of paperwork to get approved. But the company didn't really make it hard, so it wasn't difficult. We started in January and we were approved in March. We had a mortgage loan originator to call for any questions. If that person was not available, then there was another person who could step in. It was quite easy.

The application process with 21st Mortgage was fine. The thing that I didn’t understand is they pulled my credit over 60 points lower than everybody else. The communication was terrible. The lender dragged his feet on getting stuff done. Because of that, we closed almost two weeks later than we were supposed to. Overall, the whole process took over a month. I was a first-time homebuyer, and they should have been forthcoming, more understanding and patient. They treated me like I didn’t know what I was doing and didn’t know what questions to ask.

21st Mortgage was recommended to me. I had a good experience obtaining a mortgage with them. I felt comfortable working with their loan officer. It was just all around good and easy.

21st Mortgage is the only place to go for mobile homes. I used them for a new house and the process was pretty easy. I went to their website and signed up for it. They called me that day and said I was approved. Matthew was my rep and he did pretty well. He tried to help me out as much as he could. He was the one to get me the house. Most of the application was done over email. I only wish they could call and explain the documents that they want a little better. That aside, 21st Mortgage was pretty good.

21st Mortgage should try to get what they want upfront instead of always asking for more when you think you have everything turned in. I went through a refinance process with them and they kept asking for more paperwork. The application process wasn’t long, communications with the loan officer was good, but the new rate and terms are higher than I’d like them to be. Still, it’s fine.

My real estate agent has had good experience working with 21st Mortgage. So she recommended it. So far, it's really good. I've been getting the help I need. The application was fast, simple and easy to manage. They called me to ask questions and kept up with me.

I currently bought a modular home. 21st and Triad were the two bigger companies that offer loans on modular homes. I had someone that had a poor experience with Triad, so I wanted to give 21st a shot.

21st Mortgage was what my realtor was going through. The process was fairly easy and self-explanatory, and the loan officer I dealt with was awesome. He was very knowledgeable and he helped us throughout the process.

The application process was good, just they asked for a different paper every single time, instead of giving us a complete list of what we needed to submit so we didn’t have to keep waiting on it.

It was easy obtaining my mortgage through 21st. When I logged into the website, they had a list of everything I needed to get. As I submitted each document, it would say something like, “Document is getting approved.” Then not even 24 hours later, I got a notification that I was approved. The whole process was very fast and simple.

It was my first time buying a home. A friend told me that 21st Mortgage will let me know really fast if I’m approved or not, so I went with them. I had really good experience with them. The rep was professional, and if I had questions about my loan, they always had answers for me. I was confused when they asked me for pay stubs. But the rep did good. Thanks to 21st Mortgage, I have a home where I’m not paying rent. I’m happy with my home.

I was looking to purchase a mobile home. I know that most banks don't finance mobile homes if you don't own the land. 21st Mortgage does mobile home lending so I engaged in financing with them. The process was fairly easy. I've purchased a couple of homes before. It’s a different process but I feel like it was a lot smoother with them.

I heard about 21st Mortgage through the home seller. They're one of the only two manufactured home mortgaging companies in the area, and they only had one offer. The application and underwriting took three months. The process was easy enough. But they could improve the straightforwardness of what they were gonna request instead of numerous request after they got stuff they needed. Communication with the loan officer was great though.

I refinanced my home, which had been previously paid off. Grant and the team at 21st were excellent and made the process as simple as it could be. I do get a lot of junk mail now, though, both emails and in the postal mail. Even got some mail that looked like it was from them, but wasn't. So I'm not sure how another company got my info and that I have a loan with 21st? Maybe they sell our info? I would use 21st again.

It seemed like there were so many people involved that I ended up sending information twice, late in the game, which delayed my closing (with penalties). Also, it seems ridiculous that you can't wire the proceeds of the completed loan to the borrower, only the title company. (which cost even more penalties). I felt like 10 days after the scheduled closing date was excessive, and expensive and I should have gotten some fee reimbursed. For example, we had to wait a week for the park to advise as to a loan increase.

Really enjoyed working with Justin and his team. They did a great job and getting me funded. Couldn’t ask for better people to work with. I will refer family and friends and acquaintances to them because they seem to be able to get it right. Their online process that kept everything in front of me and with all the information I needed, what I needed to do, when I needed to do it, they got it done

Your Employee Chase has provided US a 10+ rating for his Professional and Customer Service Skills. He is a definite Asset to your Company. Again, I would give him a 10+ Rating. I would recommend him to any new customers. His knowledge of the company is second to none and his knowledge of the business is outstanding. As I indicated above he is a 10+ Employee and should considered for any available promotions. Al **

The person I bought the house through used 21st Mortgage and told me about them. My loan officer was great. She was on top of everything and helped really well. It took about a month to finish and it was easy. It’s a good company. I like it.

It was not a fun nor pleasant process on either side of the transaction. I was not assigned to the correct "department". This complicated the issue. I felt I had to "know" more than I could count on either representative knowing. It may have been meant to serve me as the customer, but in hindsight it made it harder for everyone. The person assigned to me was often out of the office, this did not help in an already confusing situation. Most importantly, I chose 21st based on the rates advertised. When the time came, my rate did not match up nor coincide with my terms that included my $20,000 down payment. It seemed impossible at the time to unwind and start again with another servicer, but I will say I considered it often.

I was going through a different mortgage company and figured out that they didn't finance trailers, so they recommended 21st. It was fast and easy. They have good processes. I called them all the time and asked questions and he was happily answering them.

21st was actually one of the few that was able to do a mortgage for the type of home we were purchasing. The process was fairly simple. Everything was online. So, it was easy to do outside of our regular business hours.

21st Mortgage was recommended by the manufactured home community. I appreciated the loan officer’s casual yet professional approach, casual in the sense of quick communication and flexible ways of working. The loan officer was good. Overall, it was okay.

21st Mortgage’s process went pretty smoothly. It took about 45 days. The communication with them was pretty good.

The loan application process at 21st Mortgage was easy. We chose them because we have a mobile home and they do mobile home loans. The interaction with the loan officer was good and we’re satisfied with our experience so far. However, the interest rates were so high.

21st Mortgage was referred to us by a realtor, and the process of obtaining the mortgage was great. I thought the interest rate was a little high, but it was good overall. The loan officer, Tyler, was amazing.

I was looking to buy a mobile home that was built before 1976, and 21st Mortgage was the only company that would finance it. I had the worst experience with them. The couple of people that were supposed to be in charge of my loan were worthless because they refused to make phone calls. I ended up doing their job for them. They told me at first I could text them, and those did not go through. I was later told that the company doesn’t respond to text messages.

21st Mortgage has been excellent. Well, we're buying a manufactured home that the company recommended to us. I would always hope for a lower interest rate, but I understand why it is what it is.

I sell mobile homes for a living, and we recommend 21st Mortgage to our clients, so I wanted to try them myself. I had the best guy, he worked very diligently, and I didn’t have any problems. Keep in mind, I do part of this for a living, so I was able to maneuver through it really easily.

21st Mortgage works best with what I needed. I needed a loan for a used mobile home and property, all in one. And 21st Mortgage seemed like the first lender that helped me out. The application process wasn't too bad at all. Me and my girlfriend filled it out relatively quickly. It didn't seem like it required a whole lot. It was great. Their loan officer, Adam was very helpful.

21st Mortgage is one of the few that do loans for a manufactured home. The guy that helped me was Grant. He walked me through it and was responsive. If I needed anything, he answered me right away or somebody from his team would answer my questions. He never left me hanging. It was pretty quick that I knew if I was approved or not. Everything was easy and now I have a home.

I shopped around a little bit for a first-time buy, and 21st Mortgage was the only one that worked out best. I got much help from customer service. The website was easy to navigate sometimes.

I found 21st pretty much just by googling ''Mortgages for mobile homes'' because there's not very many places that do mortgage for mobile homes. And they had one of the better ratings for mortgages for mobile homes and that is how I chose them.

I wanted to buy a mobile home, but I didn’t know how. My friend had used 21st Mortgage before and he gave me the contact for them. I saw that in Reno, Nevada, it's the only corporation that gives the opportunity to buy a mobile home. I applied and was approved. Everything was clear and I brought what they asked for. The representative had communication with me. It was very professional. The experience is 100% wonderful. They changed my life, helping me to approve my loan. Now I have my place, and I enjoy my home.

21st Mortgage was suggested to us by our Realtor. The application process was easy, and the loan officer was absolutely outstanding. He really worked with us, helped us get the mortgage, and he was always available to speak to or called us back immediately.

21st Mortgage Corporation was brought up to us by the trailer house people. They were the only ones who approved me at the time during COVID. The process of obtaining a mortgage was very customer-friendly. It took a little time, but with the right help, I was able to work it out. The whole process took about two weeks, and that was the only long part.

My real estate agent recommended me to 21st Mortgage. The process was cool. I didn't do all the paperwork, so I liked that. My real estate agent did it for me. Whatever she requested, I would give it to her and she’d send it to 21st Mortgage. It’s a hassle paying the mortgage online. It won’t let me pay so I have to call customer service. But customer service is good and I’m happy with the price.

Hello: This review is to let anyone know how 21st is a wonderful company. Everytime that I called they showed good expertise in answering my calls, in a timely manner. Today I had excellent service from a nice gentleman named Mr. **, who took my call, and handled my business! Thank you Mr. **, & keep the good work up! Wanda J. North Carolina

They are always helpful when I call or need help. Very courteous and professional. Always willing to help. If any questions that are always answered. When calling to speak to someone they’re never put you on hold for very long. I would recommend this business to everyone. Always willing to help.

Friendly, helpful representatives throughout the process. Joy was extremely knowledgeable and helpful throughout the entire purchase process and kept me informed of what was needed and what was being processed at the time. I felt like they were working for me to ensure that I wasn't surprised by anything and that I was treated fairly.

The process of refinancing was fairly easy, I wish I would have been able to go in person to get paperwork done versus online or the mail, but that's okay. Questions were answered when needed or when things didn't make sense. I probably took longer than most people would with refinancing, but working nights makes it kind of hard so my only frustration was that I didn't like being disturbed when I already struggle to get sleep, but I know it was follow up to see where I was at with paperwork. Overall, the experience was fine.

Drew and his team were very helpful, Professional and very patient with all of my phone calls. The process was easy and simplified by Drew... I appreciate the assistance in helping my family get into a home they will enjoy for years to come... It is nice to know I can used 21st Mortgage in the future...

He was very good and nice to talk to and ask what my password was. That is great. He is on top of what I think everyone should do. John was a very easy to talk with. Thank you Mr John **. Look forward to talking with you again.

Hi. John ** is always great my experience and details with 21st Mortgage as far helping me with my monthly payments. Well respected and oriented. Really all representatives are good at conversation and working with you for your time and needs. Their experiences and expertise are well on point as well. I am truly grateful for them.

21St Mortgage is an ok company but they have very poor customer service from their supervisors. Mathew talks over, doesn't listen, nor does he care about your situation. He only cares about getting your money, plus he will talk down to you. This isn't the first time that I've run into this problem with this company. When they call, I will respond by email, and they hate it because they can't bully you. Please shop around before using this company.

I'm very pleased with the way Ms. ** has worked 💪 with me on helping us put a plan in place for catching up. Thank you Holly but not happy with the supervisors any of them and Holly did recoup me. Holly has been incredibly awesome and very kind. Thank you Ms. **.

Hilary was very helpful making a payment on the mortgage payment. Very pleasant and made it a smooth process. Her sup. Britney was able to also help her to assist me. They both made it quick and easy today. Very thankful for their assistance for helping me with my needs.

I have a Realtor, and she recommended 21st Mortgage. They responded quickly, and the process got started right away. The application process was pretty standard, like any other mortgage company. The loan officer was very helpful, answered all my questions, and was knowledgeable. It was easy for me, and I think they’re okay. The only thing that could be improved is lower interest rates, of course, for our benefit.

21st Mortgage gave us more opportunities for housing. It took almost four months ‘cause there was a transaction that didn't go through, and we had to start all over. But communication was excellent, always available, and they responded in less than 24 hours via a message whether it was email or phone.

I bought a manufactured home that 21st Mortgage financed, and the process with them was smooth and easy. It was not hard to follow through. And it took just a week or a week and a half from start to finish. And I didn’t communicate with them in person that much. It was more done online. And everything was just fine.

I went with 21st Mortgage because of the park that ran a credit check. And my experience with them was great. We've had good communication. The process from start to finish took less than 40 days. And the loan officer I had was nice. The interest rates were a little high, but it was fine because I can refinance.

21st Mortgage was on a list from the trailer park that I bought the trailer from, and I went with them. I went for a chattel loan program and the application process took forever. It took 4 months to get approved and they dragged their feet. Everybody was just in holiday.

This company baits you in telling you are approved, asking for documents and proof of income, then before closing they pull funding. Be very cautious about this company. Was working with Titan Homes in Texas. Even the sale manger couldn't get answers on why they backed out of the deal.

Kella has been my account manager at 21st Mortgage for the past six months, and she has been absolutely amazing. She is not only knowledgeable but also incredibly patient and understanding. Whenever I’ve had questions or didn’t fully grasp certain aspects of the process, she has taken the time to explain everything clearly, ensuring I feel confident in my decisions. As a first-time homebuyer, this journey could have been overwhelming, but Kella has made it so much easier with her kindness, professionalism, and dedication. I truly appreciate her support and highly recommend her to anyone navigating this process!

21st Mortgage was fine. They only have the one office in Tennessee, though, and so, they send out their mortgage papers for wet signature. We were under the gun as far as timeline. And so, having to do all that through the mail, even overnight, took a little long, considering the technologies that are available.

I’m a first time buyer trying to get a manufactured home. I heard recommendations from a couple of friends before I chose 21st Mortgage. My Realtor gave me a contact for 21st mortgage. I gave him a call and he walked me through the process step-by-step on how to get the loan. It wasn't too difficult. It was probably a month, tops. There were some delays on the end of the seller and there were technical difficulties on our end, too. I used the website to upload documents and it was easy. Every now and then, he'd give me a call, make sure I'm still on track, and walk me through anything if I was stuck. It's a great service and easy process to go through.

I had two other friends that used 21st Mortgage, and so I figured I'd give them a shot. And I'm glad I did, because my Realtor liked them. My Realtor started referring other people to them because they were awesome. They were quick, easy. Everything was very well set up and easily accomplished. It was a great experience.

I did a little bit of research and chose to go with 21st Mortgage based on reviews. The process was pretty straightforward. The hard part is getting everything together, but uploading a bunch of documents and submitting them is easy.

I went with 21st Mortgage because I got another home and everything was great. The application process was easy and did not take too long. The loan officer, Kent, helped me out a lot.

I got into 21st Mortgage for a manufactured home. The rate was pretty high, but I’m happy with what we were able to get considering the economy we’re in now.

I chose 21st Mortgage because of my agent. The process was fast and not difficult at all. I thought it would be hard, but everything was easy, like signing documents, getting emails, and signing electronically. For my first time doing this, it was really easy.

It's my first home buy, so we went through 21st Mortgage. I actually just made my first mortgage payment today and it was extremely easy, very convenient. I was just able to get online and put my information in. And there wasn't any extra random fees like a lot of other places have, so I was happy with that.

I couldn't afford $300,000 for a regular house, I was stuck buying a mobile home in a mobile park, and not a whole lot of mortgage companies give a mortgage on a mobile home but 21st Mortgage does. It seemed to be a long, drawn-out process to buy a mobile home than a regular home, but it went okay. It was a two-part process. All the paperwork went to the broker, I went to the broker, signed all the papers, and gave him the down payment check. And even though the closing was done right then and there, I had to wait for him to overnight the stuff to 21st to actually go over it all over again. What made it worse was I started the process in November, wanted to get in before Christmas and I thought it was gonna be ready by then, but it wasn't. So, there were a lot of things going on that screwed it up Christmas and New Year's. I feel when you go into closing, you sign the papers, they give you the keys, and that's it. You should go right to the house. To be fair, there were days off, people were working a five-day week, and 21st Mortgage kept in touch with me throughout the process. I was able to call them, and I wasn’t waiting an hour on the phone to talk to somebody. I'm 75, and this is the last thing I'm gonna buy. My daughter and grandson live with us, so there's four of us, and it’s a beautiful home. 21st Mortgage has stayed in touch with me, sending me notices every once in a while.

Other companies have higher requirements – 21st Mortgage worked with me and my credit score. It was easy, and they’re very helpful anytime I call and need any type of guidance. Trevor was a big help. He’s a really cool guy.

I’ve used 21st Mortgage before and they financed me with no hassles. Their rate is a little bit high, but that’s par for the course for the type of property I have. This time I have another modular home, and I had no issues dealing with them. They have a nice process, and their people are nice to deal with. The loan officer kept me updated and immediately responded to my request. Every time he wanted information, I gave it to him, and he acknowledged that he received it. If I had a question, he answered it within hours. He never kept me in the dark about anything. There’s no negative I can think of. 21st Mortgage got my business for life.