21st Mortgage Corporation Reviews

It was awesome. He was great. He showed me that he was concerned and that was awesome. He was professional and very good. I would recommend him to anyone. He had great customer skills and really appreciate that. He showed a lot of skill in his work.

Staff are knowledgeable and extremely polite and nice. I have enjoyed banking with you guys and had been an experience buying a brand new home and plan to make many good memories in it as long as we live here. Thanks a lot.

My experience when paying my bill was awesome, the lady I talked to was very nice!!! I have been paying my bill with 21st Mortgage for over 17 years and everyone has been very polite. This is the first time I have been asked to send a review, I give everyone I talked to a five star!!!

The application process has been smooth sailing. It was really easy to get everything I needed. The clarity was good and everything was communicated well. Ryan, the rep I was working with, always responded really fast. That was extremely helpful.

I did a new mortgage with 21st Mortgage and the process was pretty easy. I felt well-informed about the process and well informed throughout the process. Communication was great. They were quick to get back with me. I received several emails from them throughout the process such as what was turned in and what was still needed. The only thing I didn't agree with or liked was the fact that at first I was quoted a lower interest rate then after the process had gone through and I negotiated with the seller to lower the price, my interest rate went up. The overall process took a couple of months. But it wasn't because of 21st Mortgage. It was because of things that had to be cleared up with the seller. That aside, it was a pretty straightforward and simple process. I was pretty satisfied with my experience and using 21st Mortgage.

Everything was good when I obtained a mortgage with them. The application process was quick and easy. They worked with my downpayment and they were there when I needed help. My rep was helpful and respectful.

The application process with 21st Mortgage was good. There was a lot of stuff to look at and I ended with an FHA loan. The process went very fast and didn't eveb take 20 days. I talked to them myself over the phone and they gave me an answer that I wanted to hear. I worked with a rep named Tyler. When I have a question, I call him. He gets the point and he gives me an answer right away for whatever I'm asking for. He seems very knowledgeable and I feel comfortable talking to him. There are some people who just like to go really quickly. Tyler, on the other hand, was thorough.

We looked at the home and decided to go with it. 21st Mortgage already had a person that they were working with. So, we just got in touch with him and submitted our application. There were a few things that we had to correct but our agent would come back and send us an email or would even call my husband and tell him what needed to be fixed or what else we needed. He was on the spot with everything. We heard from him almost every other day and any time we had new information, he was good about responding. He kept us informed about everything that was going on. He was great. Working with 21st Mortgage was easy. If I ever needed to get a loan again, I would probably try to go through them. They had nice employees who were able to help us get through the process without having any headaches.

The mortgage process experience with 21st Mortgage was a breeze. 21st was the only one in our area that for sure would put a mortgage on a mobile home. For the most part, the application took a minute on our end because the guy who I worked for was not getting the information to me that I needed. Other than that, all the employees were very helpful and we were able to get it done pretty quickly once we had all the information. The communication on their part was amazing. Our part could have been a little better, but we were just stressing on our end and that's not something 21st could help with. As far as the rate and terms, they're extremely fair. We enjoyed our process and 21st was very helpful throughout the entire thing and kept us updated on any changes. So, it was nice.

The process was a little bumpy. It seemed like 21st Mortgage Corporation was just stretching it time-wise. But, once we got ahold of the loan person and kept trying to find out exactly what they were asking for, what I already gave them to clarify it was the same thing here. And we moved on to complete it. With that conversation and the other paperwork that I've put in and the two sources of income that I have, I got the mortgage at the best rate that I would get being that I am on a fixed income.

The rep was nice. The application was easy but the process afterwards, to even get a loan to close, was a pain. There were a lot of things that were required, and there was a lot of back and forth. It took a long time.

The application was fine. The rep I worked with sent emails directly to me to make sure I was responding to her. The only thing was, being a third party brought into this, she had more communication with the real estate guy and went over more options with him. She could have more conversation with me when she sent the paperwork instead of emails and just, "Please sign this."

If you need someone to work with you due to some unforeseen circumstances, please reach out to Justin **, He's been working with us since last year. Give him a shout, you will not be disappointed. Yes 21st Mortgage seems to call a lot, but they are here to help. I know this first hand by talking to JUSTIN **.

Helped us a lot! Made the process smooth and kept us updated and explained everything clearly. Always there when we called. They are an amazing company and would highly recommend to anyone looking to buy a home. We love our new home and we went from looking at to owning in just over 2 weeks!

Ryan, the rep, was really helpful whenever I needed help or had questions, and the application process was quick and easy. Everything was self-explanatory working with the guys, and they helped out as much as possible. When you're applying, there are things that will be answered for you if you don't know what to do. Everyone at 21st Mortgage seemed like they knew what they were doing, and I didn't feel anything was going on. The rate wasn't that bad either. I've seen people get worse rates.

My rep Kayla was on top of my process. She answered any question I had. I'm pretty good about the rates and terms I got.

The application process with 21st Mortgage as kind of difficult. They kept changing what they needed. Other than that, the overall process was quick and good.

Working with 21st Mortgage was a terrible experience. Even the seller wrote a letter to who I thought my loan officer was supposed to be. Getting in touch with him and communicating with him was a nightmare. At one point, we transitioned to underwriting. This person never introduced himself to myself or my agent. The people that we were working with continuously asked for documents that have already been submitted to them. This is the second purchase that I made and this was not good at all. We've had to repeat things multiple times to just move through the process.

We worked closely with Brian **, loan representative. We honestly felt like he was very knowledgeable and professional. Brian was dedicated in getting us to complete the refinancing application every step of the way. He always responded quickly to our emails whenever we had questions. We were extremely comfortable with him as he patiently guided us through the whole application experience. We give 100 stars to Brian! He was awesome!

Justin was phenomenal to work with! As a first time home buyer, I was unsure of the process and had no idea what to expect. Working with Justin and 21st Mortgage, was a relatively easy process. Highly recommend to anyone looking to buy a mobile home.

The application process was okay. I just had a lot of difficulties with the home. There were two people on it and I didn't know it. It was really hard to figure out how I was gonna do it. But they let me stay with 21st Mortgage instead of going back over something again. Also, a lot of times, I couldn't get in touch with anyone to ask questions. If I could get in touch with someone, that would be a big improvement.

21st Mortgage is a very good company to deal with and I would recommend them to anybody. I felt comfortable when I started. If there were any issues, it was okay for me to call even if it was more than once a day. Everybody was patient with me. They were also very polite. They answered the phone promptly. At the beginning, it was weird. Because I work for the government, I had some issues with the income thing. But Justin took care of it and the mortgage process went well. The seller didn't have the title to the manufactured home, so they had to get the title before they could move forward and it delayed us. Because we didn't meet that deadline, they had to run a credit check again. That was the only thing I didn't like.

21st Mortgage was great. The experience was hassle-free. The rep was very helpful. When my wife emailed her, there was no long response time. We didn't have to wait. She was very quick and responsive.

We bought a manufactured home. All the lenders kept saying they didn't deal with manufactured homes. I was happy that the realtor told me about 21st Mortgage. They're in another state and that made me a little leery. But because someone referred me to them and I saw that they had great reviews, I gave them a try. Everything was great. I was surprised. The process was online, a couple of phone calls and through email. It was quick and the guy that did it with me was on the money. He was super friendly and informative. When I emailed him, I got an email anywhere from 10 minutes to half an hour. I emailed him on a Saturday once, and he emailed me back which was nice. I didn't have to wait the whole weekend for an answer. Some of the questions I asked him were a Realtor question, but he knew it and answered it for me. If I CC'd both of them on it, he would respond before the Realtor could.

It was the first house that I've ever bought so I didn't know what they were going to need. It wasn't very easy on my part. The rep, Joy, was very nice, but they need to let people know exactly what they need. I would send them stuff, and they’d say, "We need this now.” It was a hassle.

21st Mortgage was able to cover the whole amount. The experience was good.

I was helped with the application. Everything seemed to go quickly. Everything turned out alright.

Obtaining the mortgage with 21st was a stressful situation -- the lender speaking to the underwriters and trying to translate that information to me in a way that I understood, trying to check all the boxes, providing them with all the information they said they needed above and beyond what I thought they needed. Sometimes I felt overwhelmed. It wasn't explained effectively what was needed from me. It could have been a smoother process and they could have been more open and honest about what they needed. This is the worst thing that I've ever dealt with. They asked me for banking documents that didn't even exist. At one point, I asked if I need to find someone else to get a mortgage through because there was no way to give them what they were requesting.

21st Mortgage was the only one that would finance the house that we were looking at. The application was online and that was pretty simple. Some of the back and forth stuff, though, to complete the application process was a little redundant. In the end, it was very frustrating. They told the closing company that my check that I had put down for my earnest payment was in their trust fund, and that they could send a check. They asked specifically, "Does it need to be a cashier's check or money order?" They said, “No. The trust check does not need to be however hers does.” I got a cashier's check. They sent a check off their trust account. We had to wait 11 days after that. So, my kids wound up spending an extra week in a motel. The seller wound up spending an extra week waiting to go without the money. There were U-Hauls that were rented that were out for numerous days because of it. It wasn't pleasant. A lot more money went out than should have need be.

They were friendly, helpful and gave us some information because we had no idea what we were getting into in the first place with the whole loan thing. However, it was a little stressful because of how long the whole process took. But overall, in the end, it's worth it because we're happy with the home.

They're a great company. They're one of the few that will make the financing easy for places that some banks won't. The process went quickly too. I would highly recommend them.

21st Mortgage asked for a lot of paperwork both times. It was way more than when I've ever done a normal bank loan for a house. It could be streamlined.

Nikki was the most attentive person I've met in a long time when it comes to taking care of customer relationships. She always answered the questions in a reasonable amount of time. She's very caring. The service all the way up and down the line was very positive. I was very happy with 21st Mortgage.

I did FHA with 21st Mortgage and then I recently did a refinance with them. The first time, the process seemed pretty easy. They did a preapproval and then I did all the paperwork necessary. Then this refinance was also pretty easy. They communicated very well. Every time I called with questions, they were always there to help me. The application process was easy to read and fill out. I did everything online. When a lawyer came and said she was missing the document, 21st had to resend it. My loan officer is Nicki and she was always there to answer my questions. Even if she was on the other line, she would answer the phone and tell me she’d call right back. She's very good about that. 21st Mortgage always made me feel comfortable. They knew what they were talking about and had the knowledge.

I've been with 21st mortgage since 2006, and I did a refinance and I'm very pleased. Their whole team has helped me out so much through the process. I was on the website to fill out the initial application and they have a detailed checklist of things that would be required. I even signed virtually for certain paperwork, and then, other paperwork had to be handled in person but most of the transactions were online and through email correspondence. I could also call and talk to Joy on the phone at any time as well.

21st Mortgage so far has been a really great company. You gotta apply for the mortgage and when they accept it, they run your credit history. There are a lot of documents you have to collect. It's just the information that they need on their end. Other than that, I am really satisfied. I bought my sister's house and it was already under 21st Mortgage. I stuck with it. The process was fast and it was really good timing. I was able to purchase my home and move in within a month. The lender communicated really well with me via email and that was how we stayed in contact the most.

21st Mortgage fit my needs. I filed an application for a conventional loan, it was approved, and closed escrow. The lending process was very smooth. They communicated effectively and in a timely fashion. Their reps are very attentive to any questions I had.

21st Mortgage Corporation has kept us up-to-date, got everything to us. We've got the coupon booklet explanation included with that. It took a while to get everything done, but that circumstance is beyond everybody's control. Everything was fine. Drew was helpful. He got a little frustrated with everything that was going on. But he was helpful as he could be. He kept us informed. He had our emails and I had mine emailed on one and another email on another. So, I got information from both. They did well. They did everything they could for us. We got everything approved and done ahead of time until 21st Mortgage found out the trailer wasn't online or both sides weren't on the tax rolls like they should have been. And that had to get straightened out, but that wasn't 21st Mortgage's problem. That was the guy that owned it in advance.

I was very satisfied with how they worked with us. They went out of their way to make sure everything was straightforward and they were able to give us what we needed. We were also very comfortable with them. The person that we were dealing with at 21st was extremely knowledgeable. I would recommend them very highly.

My first and second request for a copy of form 1098 was never got a reply. However, my 3rd request was answered almost immediately; later that same afternoon I received it. Naomi was very helpful and I appreciated that greatly.

Working with 21st Mortgage Corporation was quick. They were knowledgeable. The rep was timely and answered all my questions. He didn't make me feel stupid because I've never done this before. He was great. Everything with 21st Mortgage was easy compared to what my sister just went through buying an actual house. You have to get a lawyer involved, which we weren't expecting to do, but it was easier once that got involved. And they said it was one of the easiest things they've dealt with, too. I recommended 21st Mortgage to my sister in case she ever came across someone who needs to do a manufactured home. She was interested in how 21st Mortgage works because she wants to add to her clientele.

21st was pretty good except that they kept asking me for something that I thought I had already sent them, but it turned out that it wasn't submitted. This was a new purchase of a mobile home in a mobile home park and I told them that I was going to rent my house. They needed the rental agreement and that was what kept going back and forth. It was the computer thing. But we got it settled and everything is okay now. We saw the mobile home in November and we were supposed to close in October. Then we were supposed to close at the end of December and when we went to sign the papers, it didn't go through. So, we didn't close until January 4.

This is my first mortgage experience. I've only spent cash outside this experience. It was seamless and easy. I was happy. The initial application and the approval was quick, and the request for documentation, too. Uploading was easy. Communication with my loan originator was smooth and easy. There was a lot of transparency. All questions were answered. The interest rate is higher these days, and on a mobile home, they're a little higher than that. But knowing the market, it was fair.

They didn't really help a lot with anything. They were shady. I had to always reach out to them to find out what my next step was. It wasn't really streamlined for the customer. Every time I'd ask them, they were like, "We'll get back to you." But then, I would already look it up. I'd have the information within an hour on the internet. So I'd go ahead and do what I had to do. Then, by the time they got back to me two days later and would say, "We need this." I would say, "It's already emailed to you." It helped me get it done, so it's good now. But the application process was perfect.

The process of obtaining the mortgage at 21st Mortgage was really easy. We were able to submit everything online and do almost everything virtually and super quickly. They needed a little more explanation on some of the documents. But the person that we dealt with on the phone, Nikki, who was our contact, was very helpful in explaining everything. If we had been able to focus on it and that was the only thing we had to worry about doing, we could have gotten it done in 18 days. But because we had so much other stuff going on and it was going on around the holidays, it took us 32 days total. But it went really well. It was just the time of year was bad for it to go quickly 'cause we were super busy and Nikki was out of town for one of those weeks as well. But she was super helpful and kind and would always return our calls when she said she would, and she was just on the ball.

It was a long process with 21st Mortgage but everything was good. The lady that was helping me was perfect. She was helpful through the whole process. She answered all the questions I had for her. If she wasn’t in, she would always get back to me right away. She communicated with me a lot.

I got my first mortgage and 21st Mortgage was assigned to me. When I refinanced, I just went through them instead of anyone else. 21st Mortgage was the first that financed the home from the get-go. I came back and this was 2017. A couple of months ago, I refinanced and they were asking me for information that they already had that would offset my remaining balance. Why do I have to call them again to get my payoff loan when it's the same company? I believe 21st Mortgage supplied my insurance people so they had that information like my account number, my Social, and the title information. But I had to do the form again.

Brian, the rep from 21st Mortgage, was very helpful. A few times, it took a little while to get back to me but it was during the Christmas holiday and he was on vacation, so I understood. Most of the time, it was either the same day or the next day. The application and underwriting process was a lot but it wasn’t too bad. I had to send some of the documents twice on 21st Mortgage’s site. It asked for a verification of employment from my current employer or a current check stub so I sent my verification of employment and it went through, and took that one off my checklist. Then probably a month later, it added it back again and it wanted my current check stub as well. But it was the only weird thing I had going.

Extremely helpful and always willing to answer even the smallest question! Quick call backs when messages had to be left but more often than not got right through to whom I was calling. Willing to reiterate any time we got confused about the process or the document they needed us to submit for approval of the loan.

I had to sell my mobile home due to being threatened by my next door neighbor who are racist and use terriost threats to get me to move. 21st understand my situation and helped me. Thank you. This Company is top notch.

Adam was wonderful to work with. I am very happy with 21st. I will recommend them to anyone who ask me, All my questions were answered in a way I could understand. Also all my phone calls were received or returned promptly.

When applying for a loan I was told that Justin ** was my loan originator. Since starting the loan he was not available. It was during holidays so he had taken time off. When I had questions with the loan documents I had to reach out to other employees for help. When asked if I could have someone else be in charge of my loan they informed me that it was being taken care of. Up until the end Justin was unavailable or unresponsive. Especially with me applying for my very first home loan I would have appreciated more help throughout the process. I had numerous occasions where Justin was also incredibly rude to me and short. This is not the experience I wanted when buying a new home. So glad the process is over with him.

I would HIGHLY recommend 21st Mortgage to everyone. Nicki ** was very knowledgeable and patient in guiding me through the process. Thank you for helping me get through the entire probate process and finance my doublewide. Thank you. Thank you. Thank you.

I was told that 21st Mortgage was the only one in the area who did mobile homes mortgages. My loan officer was fantastic. She was willing to work with somebody who is not computer-oriented or had a computer to work with. I didn't have a computer or printer to work with, and she worked with me.

I fell on hard times on my mortgage. Harsh was extremely helpful in getting a payment plan together and to get back on track. He was very respectful and understanding. Looking forward to having 21st Mortgage as my provider. Would 100% recommend.

Jill ** was very helpful and provided me with great customer service. I was not notified by First Bank about 21st Mortgage taking over my loan, it was a bit overwhelming but Jill was very understanding, answered all my questions and processed my payment. Absolutely awesome.

Katherine was the rep we worked with and it seemed like a lot of the things she was reading was off of a script. That kind of agitated us at times. I also had my Mom call her because my mom is a loan officer and she also said it was very scripted and the rates are very high. We were almost without a home for a few days because of a slack on Katherine's end and not really caring or trying. She needed some kind of a timeline. I was very persistent about it and assertive. I let her know that I would be calling back and I would keep calling. They could have better communication and people caring about doing their jobs. Working with them made life pretty stressful and we're looking to refinance with someone else.

Very patient & Helpful in a area I wasn’t sure in. Just the fact from the first call I was never alone. Someone was always there to help me through the steps to achieve my dreams to have this property. Despite the events happening around this venture & how it all started. Thank you.

The process went smooth and once everything started getting going, it took a month and a half. The only thin was people would get in touch with me by email and that's not a method of communication I use so I wouldn't know about certain things for at least a week until somebody called me. The process would have been faster if I knew about this stuff. I know it's my fault for not using email, but every time I talked to their rep, I told him that.

21st was very responsive and the application process went very well. The agent that I worked with was great. She kept me informed and answered all my questions. It was the best experience over the last 50 years of buying four or five homes.

The loan process was so painful. I have 800 credit score and all documents. But it took forever. I had to keep calling and pushing it along. Now I have the loan... They harass me with phone calls asking where my payment is, when it’s not even close to late. I can’t wait to refinance with someone else and get away from this company!!!!

I had a great experience with them. Every time I called, they got on the phone and answered all my questions. The application process was also good. You have to go through a lot of stuff, but it went well.

It was pretty easy to get the deal done with 21st Mortgage so I chose it for mortgage refinancing. I could get things done quickly and not have to worry about all the hassle. Everything went pretty smoothly. My loan rep was good and I used her a bunch. She always took care of everything I needed.

The process at 21st Mortgage was very good. Communication was fine. If I had trouble, I would just email them, and they would report back to answer my questions.

The lending process was great. I provided the paperwork and everything happened super fast. Tyler, the rep I worked with, did a great job, and I appreciated his communication with me and his willingness to answer all my questions. He called and would leave messages or I would call there and ask for him. I was very satisfied with my experience, and if somebody was in the exact same situation I'm in with what I was purchasing and my credit score, then I'd recommend 21st mortgage. Nothing was promised to me that I didn't get. I wish I could have gotten a better rate though. The interest rate was so high, but I plan on refinancing as soon as my credit gets a bit better.

Naomi ** provided excellent prompt service to me when I called and emailed to request my loan payoff and certificate of ownership. Very fast and friendly service. I have not had a problem with this company in the whole 10-years they have been my mortgage company. Very professional.

I thought the process from application to closing was longer than expected, but the service I received from Brian ** was always accurate, professional, courteous, and supportive. At no time did I feel that I was treated disrespectfully, despite my endless questions and concerns.

I SPOKE WITH Kayla (ext **). It was the best experience I have had going on 8yrs. I was not asked the STUPID questions that make me feel belittled. I understand people don't always pay. I'm always current, people who are dependable clients should not be asked those ridiculous questions.

Agent I was assigned did next to nothing, loan kept hitting snags with underwriter and I was never informed. I had to drag information out of him tooth and nail. He also kept leaving the office early and taking extended weekends. In the end his assistant was the one who finished the loan and was actually competent when questions were asked.

21st Mortgage was recommended to me and I got with them, and I'm so glad I did. They were wonderful. The application process was a pain. My husband is working in Puerto Rico, so document signing was challenging. I flew to Puerto Rico two times so that he could sign documents because it cost $153 to overnight documents. I said, "Okay, if I overnight them to him and he overnights it to me, that's $300, and I paid $278 for a plane fare." For normal people, it wouldn't have been so bad, and they would have been excited but I own my business. It's not a big business, and it doesn't make a bunch of money, but I had to leave my business a couple of times.

In the beginning, the process with 21st Mortgage was a little frustrating because of the time difference. I'm on the East Coast and the person I was working with lived in Nashville. So, there should be somebody that's working on the East Coast, West Coast, or Central because time is of an essence when it comes to a mortgage or anything when you're dealing with real estate. We were able to iron that out, though.

I can't believe how many meetings you guys have. It was hard to get Matt that was helping me. When I had problems. Just like I said. Thank you Matt for all you did for me to get my loan. I love my trailer!!! Toni

The process with 21st Mortgage was difficult. I was in contact with a lot of different people, going back and forth. They would tell me one thing then a week later, they would tell me another. They would ask for something and ask for it again a few weeks after I've already sent it to them. It was the most difficult thing I've ever applied. A lot of things on there were unnecessary and the online system they use seems outdated. It's terrible. The rep was good. Most of the time, she would answer my calls while she was in a meeting. She would try to help, but the people that worked for her were not the best. They communicate well, but getting it done is something else. They can improve on that.

The reps did a really good job. They were very knowledgeable and they were available when I needed them. I was set to go at closing. The only way they could have done a better job is giving me some advice on how to get a loan past the initial mortgage. Other than that it was great service. The application process was really easy but I wasn't given any information on FHA. I'm trying to find a lender to do some repairs on the place I just bought. There is water damage in places that you could have only known if you moved the cabinets. I need a $7,500 low interest loan, and FHA does those things. But I can't find a lender anywhere near me. Lender information would be helpful.

Easy process. Everything went smoothly. Closed within 30 days start to finish. Very fast service and friendly staff. Would definitely recommend to friends and family. Our loan officer was excellent and knowledgeable about the whole process. He was on top of things from the very beginning and was great to work with.

The 21st Mortgage website was easy to work through. It was really nice because I live far away from the bank so everything online was quick and easy for me. I uploaded everything online. I did everything via email and I emailed the home loan application thing. Sometimes, the document would go in blurry but they would let me know that was the case and I had to adjust the image size. It was really easy on my part.

Teresa, my loan officer, was wonderful. Replacement to work with, proactive with questions and reminders. I very much like the website with loan approval, status and documents and checklists. Excellent tool to keep things on track and moving. We closed early. All the information was available. The process and status was updated and transparent.

The reps were very professional. They kept up with us by emails and by phone. In case we were needing something right away, they called us and tried to explain everything for us because a lot of details were new to us. I was very comfortable working with the reps. They cared about us and everything we were doing. We really liked everything. Even though there were a lot of things that we had to do, they were very helpful. I love 21st.

21st Mortgage was quick and very responsive. My wife would send an email, and they would send an email right back. I would tell anybody to give 21st Mortgage a try. Our credit is not the greatest but they seem to work fine for us. I don't think anybody else would give us a mortgage, but they did.

21st Mortgage has been great. The application process went smoothly. It only took a day.

Everyone I spoke with at 21st Mortgage was very pleasant & professional. Drew, who assisted me in the financing for my Mobile Home was most helpful in helping me get my own home. Thanks Ever So for all your help & guidance. Janice E. **

Brian, the rep from 21st Mortgage, was very friendly right out of the gate. But as the process progressed, when I would call and inquire about something, he seemed to be put off or it seemed like I was a bother. I had to do a lot of legwork on my end to keep things moving. It seemed like once they had me on the hook, it was a different story. My interest rate went up from what I was first quoted so I'm not terribly satisfied with 21st. During the application process, a lot of things needed to be obtained and some of the things didn't have any bearing on my end. They wanted some of the seller’s information, which made an extra hurdle to go through because the seller didn't have a phone or any line of communication that was readily handy to him. But 21st at least got me a loan and got me in my house.

The application process online is easy. But the legwork afterward is very confusing because they ask for a lot of stuff. The whole process was very confusing and frustrating. I canceled the loan twice because of all the confusion. It was very, very unorganized. They're constantly asking for more and more information. Then one department is not corresponding with the other department. They're not just asking me for a lot of information, but they're also asking the seller or the Realtor for a lot of information that they should be handling themselves.

Kellie ** was fantastic--she answered all our questions and kept us up to date on our loan status. She reviewed all of our document submittals on the same day we uploaded them. We closed in record time. Thank you, Kellie!

Ken, my broker was great. He was there when I had a question and answered the phone, I was impressed. What I wasn't impressed with was the person who filled out the overnight fedex label with the documents with half of my address but the city and state were wrong so it was stuck in Traverse city, Michigan with nowhere to go. Thank god the fedex person in Traverse city called me and asked me for my address or I never would have received it.

Had a great experience with 21st Mortgage. Trevor ** was excellent and easy to talk to and provide answers for any questions we had. I highly recommend 21st mortgage. The website to download documents was easy and let you know what you needed to send in.

Katherine went above and beyond to make our experience with purchasing our new home super easy. She answered all my questions and walked us through everything. Despite several setbacks that were out of her control and ours it was overall a great experience! I would definitely recommend their services to anyone.

The overall experience was good. The loan officer was helpful but the process of obtaining certain documents was a small problem. However, once everything furnished the process went. Not all required information was made clear at first IT was resolved.

The processing phase was ok but I never heard from the processor only the Loan Officer. Closing on this loan was a disaster, was never told about a statement that needed to be on the flood policy until trying to get the loan booked, was never given the option to close with a local title company to make the funding happen by wire rather than check. Federal express delayed the delivery of funds which caused major problems. Loan docs were signed 11/21, loan booked on 12/1. This took way too long and caused major problems and cost me over $1000.00 extra. This was unacceptable.

The agent, Ryan, made me feel like I was able to get the loan. It was very positive. The application process went very well. I didn't understand a lot, but luckily, Ryan was able to help me navigate the system. But when Ryan wasn't available, they would put it to another agent, and that agent was not so willing to help. Several times I got a very negative attitude. It was sad.

My loan officer was very good. Buying a mobile home was new to me and I didn't understand the process. But 21st Mortgage assumed I did. I was making a lot of phone calls because he would send me stuff and I was like, “What am I doing?” I was initiating a lot of calls to him. After I would initiate the call, he was very helpful. So 21st should have more education for those that don't know how to buy a mobile home.

We got through the process pretty quickly, so it was pretty good. The documents were gathered pretty quick. The service is really good. Everything seemed pretty legit there. But their rates are ridiculously high for what they are, especially for how good my credit score is.

The lending representative from 21st Mortgage was excellent. He was professional. He had the answers any time I had a question and he got some things done for us that should have already been done. He got right on and got it finished.

The application was easy. But they didn't expand on any kind of information and it was pretty much yes or no and that was it. My communication through them was through the emails that they sent on their website. If I had a question about something, I'd have to call them, and then my representative went on vacation, and never told anybody. So, I wound up dealing with somebody else. I couldn't get the answers I needed when I needed answers. If I ever buy another home, I'll probably go through 21st Mortgage again cause it's pretty easy to do that. But the representatives need to communicate more.

We had a very good experience. Everyone was very nice and friendly. The application process was very quick and there was a lot of feedback. So, if there was anything that was missing, we were getting calls or updates or messages stating what we needed. Any questions that I had, the rep answered very quickly. Everything went really smoothly.

I filled out about four applications before I found someone that was able to tell me what 21st Mortgage was and they were, by far, the easiest to work with, especially with applications. I started online with the application and they were pretty quick about getting back to me and giving me a loan officer to contact. The application process was in-depth. They didn't skip anything and they got all the info upfront, which was helpful. They were very straightforward, helpful and informative. Bryan was very nice. Anytime I called or emailed, if I had a question or a concern, he would get back to me that same day and answer that question and even questions I hadn't thought to ask yet. He was very, very helpful in the whole process.

Everything has been pretty good. I wish I got a cheaper rate though. But other than that, everybody was very good, and convenient, and they made it easy. My agent was at my disposal every time I needed him or I had a question. Even if he wasn't there, the secretary or whoever it was filled in pretty good. So I didn't feel lost in the process at all. I am a first time home buyer and it would have been nice to get incentives.

I needed my 2021 Form 1098, Mortgage Interest Statement, after missing the October 15th tax filing deadline. When I contacted 21st Mortgage, the representative was not able to fax it to me but told me I should receive it by email by the next day. Naomi ** was very kind and quick to send my 2021 IRS Form 1098, Mortgage Interest Statement, within a few hours of my requesting it.

I just wanted folks to know how 21st Mortgage does business. Of course we were in ground zero for Hurricane Ian, and prior my mother and daughter just had passed, so we no doubt were hurting in many ways, but I had worked with Kyle ** and Alex, and they basically gave us a reason to keep moving on. They worked with us in regards to continue being able to have a roof over our heads, as I don't think people realize how many people are homeless in Southwest Florida and if they're not homeless they're displaced, and that's scary times for anyone, but I have to say this group did everything within their power to help us and that's exactly what they did.

The agent from 21st, Tyler, did fantastic and he did all he can. He served as a pretty good mutual party for everybody to talk to. It's overall a decent experience but there are things to work on. The house I purchased was a manufactured mobile home, which is a bit tricky on leased land for a big company like 21st. There's a lot of red tape involved and there was a lot of back and forth. Things were not done to my expectations one bit. The system where I set up my profile and have all my documents needs to be reworked. I found a lot of glitches in uploading. Also, it needs to be in a specific order and it needs to accept different file types instead of just a fixed PDF or JPEG. The navigation as well needs some work. The buttons are small and the font is tiny. Other than that, the security is pretty good. I can log in and out fairly securely.

My experience with 21st Mortgage was good. I would call the rep every time I needed something. However, uploading the documents was a little bit of a pain. Sometimes I had to change a couple of files 'cause it wouldn’t upload.

Our experience with 21st Mortgage was not great. The customer service was awful. This not only includes the way that we were treated, but also the time to get back to us, couldn't get straight answers, etc. It was relatively easy to get ahold of the agent helping us, but we were always left dissatisfied. The agent was nice enough, but felt aloof. They are very good at keeping you updated on documents needed, but very bad at keeping you informed.

Took longer than expected. Explanations of needed documentation could be better. Very slow in getting updates. It seemed that to get proper updates I had to email my rep, then I found out the assigned financial rep was out of the office and notified after being gone a week.

It was fast and courteous. The person understood quickly what I needed done and completed the transaction very fast and with a great attitude. I would highly recommend this customer service to my friends and of course, I would recommend 21st Mortgage.

Very helpful and fast to get requested documents to me. Emailed necessary paperwork and they responded very quickly. Kudos to Andrew ** for his attentive and accurate information. Happy with the customer service that I received. Thank you very much.

The guy I was dealing with did a good job. He gave me the paperwork and everything needed. He answered my questions and was fast on my calls. I was surprised with doing things online. I'm not that computer literate but everything came out really well. If it didn't, my guy was on top of it. I deal with somebody from another state. I got insurance that they got all through another state here in Utah for the inspection. That's totally different not dealing with anybody in person. From start to finish, the process took over a month. 21st Mortgage pushed it through quickly. It took me a little over a month to get in because that's what they signed on it. The interest rate is quite high and I paid like 8, 9. But I know down the road here, I might jump in and I don't know if I can do a VA on top of that.

21st Mortgage was recommended to me because they dealt with older mobile homes that I was looking at. The application process was good. There were a few hiccups but that was to be expected. There was gathering paperwork for them and getting those uploaded. Communication was excellent. If I left a message, they called back within the same day and they were very explanative. Someone actually did all the phone calls so it was very well organized. Chris was my advisor and he rocks. He had this great personality. He was very understanding and patient. He is somebody I would definitely want to work with again if I had to and somebody I would recommend to people. The rate was a little bit higher than I would have anticipated but they're private and not through a bank. That was explained. With today's rates, my rates are probably pretty close to normal. I'm three points over what it is right now. I'm paying 10.

I had to put down more money than I wanted but that was my fault. Other than that, 21st Mortgage took care of me and I was treated really well. They were very thorough with me and they stayed up to date. They returned my email on Sundays when I was freaking out. It’s really good. 21st Mortgage secures me so I'm happy. They gave me a mortgage for 20 years. Right now, my fiancé and I are trying to get it paid off in three.

Tyler ** is by far the most amazing person I’ve had to assist me at 21st Mortgage. Thanks Tyler. Respectful, Courteous, and Understanding are only a few qualities that Tyler possess. HELPFUL & PATIENT! He’s very, very consistent as well. (LOL) He will call back at the exact time.

We applied with 21st Mortgage on the 31st of August and we closed on October 11th. That was partially my fault because I was out of town. The mortgage was for a home that we purchased for my mom. Communication was pretty good. There were a few issues but no major ones. The rep Justin was awesome. We had a situation where there was a little mix-up. It was the time we were supposed to close. Originally, it was towards the end of September. I was out of town and so was Justin.

TERESA **

I read a lot about 21st Mortgage and everything that everybody said about them. It was also recommended by a family member. I'm really picky with everything. I gave 21st Mortgage a go and it was really good. They helped me out. I used their portal and it was pretty straightforward. I struggled a little bit in some parts but I got it all figured out. I'm just happy that everything went how it was supposed to go.

21st Mortgage was the best option for me. I did a first-time homebuyer mortgage and the application process wasn't too bad. There were some paperwork and some stuff to fill out. Customer service was really good. Even when we were just waiting to hear back from the back offices, they were always in contact with me. They would let me know, “Hey, we've already sent this. We’re just waiting to hear back. We'll let you know when we do.” The whole process took three weeks.

21st Mortgage was pretty much the only one willing to help us given our situation. The application process was smooth. There were a lot of things that I didn't understand and there were things that my Realtor could have handled for me. Other than that, they were understanding. There were some things where there was some confusion, but the guy that I spoke with cleared things up. As long as there was communication, everything went smoothly.

Steven ** was extremely helpful and polite. He helped with my current status as well as helping with future expectations on my account. I would highly recommend him to future customers. Steven is also mindful of your time and values it.

JP was very helpful and timely in assisting our request. He was also very respectful and easy to talk to regarding our circumstances. I would like to thank him for his professionalism regarding this situation. JP was very helpful and courteous even when adding others (supervisor) to the call.

I called in to get an understanding on how the process works on making mortgage payments after being laid off. Matt was a true God send. He kept expressing the importance of him making me feel at ease due to finances always being a hard topic to discuss. Please hire more people like Matt. He is awesome!

The application process at 21st Mortgage was fine. I was approved within a week. I spoke with Katherine and she was very helpful. She always responded to me. She was very easy to get ahold of and was great to work with.

I bought another house, and the mortgage process was a little long. I had to send papers in and stuff wouldn’t be right. However, it wasn't bad, and the rep answered all my questions. It was good, and I got the house I wanted. Use 21st Mortgage.

I have had a mortgage payment to 21st Mortgage Corp. since Aug. 2005. Today I needed some information about my account and spoke to Steven ** who was most helpful, working with me with kindness and knowledge to answer my questions.

Eric was wonderful, understanding and helpful. I deeply appreciate everything he helped me with today. He really made things much easier for me. I would love to get him every time I have to call. He made all the corrections I needed as well as assisting me with my payment. He truly was a blessing.

Matt was a great help meeting my needs as a customer!! Ty Matt. I appreciate good customer service. Job well done. He was helpful and accurate and quick service. He serves the company well. Very good employee. Highly recommended to meet the needs of customers.

The young man was extremely helpful and professional. The experience was very good. He explained every question I had and put my mind at ease. His answers were concise and easy to understand. He put my mind at ease and in a way I could completely understand. I want to thank him for his help.

Rebecca was very helpful and took care of what I needed very quickly. I would like to give her 20 stars, but you only allowed 5. Will definitely be calling back next month to make a mortgage payment and hopefully I get Rebecca again. Highly recommend her as a good example for the rest of the team.

Graham is such a compassionate account manager. He is easy to work with and is understanding. As with anyone we have had a rough year due to loss of employment. Graham is patient and works on our side. Thanks Graham!

Customer service was great. The lady I dealt with was professional and answered all of my questions. I called them at 8pm expecting to leave a voice-mail but instead was greeted by an American representative I could understand. If customer service is important to you, this is your place.

I always receive excellent customer service and support from this company!!! I also like to mention the patience along with the customer service. I spoke with a very nice lady today who was very patient while I gathered information for my account. Very sweet personality❤️

He was very Courteous and helpful. He was pleasant and respectful. He was professional and handled my phone call quickly and asked if I needed anything else. I was very pleased with my experience. I love working with the people at 21st Mortgage.

Had a very eye opening talk with Justin ** and he helped me understand some things about my escrow that I didn't know previously and it should help me be able to consolidate some of my bills to make things less stressful.

Estate of Beverly ** - My sister passed away in February and I've been handling her estate until we can go thru the Probate process. Ryan ** has been terrific in his assistance. Highly rate my experience with his expertise in answering my questions in a timely manner, handling payments, and overall professionalism.

We looked around for a mobile home to buy and we found one but it was in repossession of what had been repoed. We started the process with our Realtor and our lender and we had a week to 10 days before escrow to close. Then, 21st told us it's their repo so it has to be done by an in-house agent. I had already given notice to the apartment that I lived in for six years and we were all packed up and ready to go but they told us we got to start over.

I missed a call from Ryan. Called him back and got Mary and she said that Ryan had left for the day. She helped me process the payment easily. Ryan also called me yesterday to tell me my payment didn't process and I wasn't very polite (which I'm sorry that frustration was more towards the other bill that pulled early) but he remained polite.

Very patient kind and thorough. Answered all questions without hesitation! Thank you. I wish I could remember the lady's name I talked to. Never have a problem with this company. Ten out of ten highly recommend!! Wish we could make both partial payments on the same day.

Enn was very helpful and he answered all my questions, I give him 5 star... I really recommend him and really appreciate it so much all the help... We had the loan for around 20 years and never had a big issue.

That absolute worst mortgage company in America! They will get you contracted pretty quick but after that you are screwed if you need anything else from them. And if you ever try to talk to them they will treat you like crap.

Brian, the person I was working with, never answered nor returned my phone calls. Whenever I called, he was out at lunch at 10 o'clock in the morning. He answered all my emails quickly though. So, I learned to email him instead of call him. Whatever document I needed to submit, I just emailed it to 21st Mortgage. I don't like to do a lot of computer stuff, so if I can make it as simple as possible, that would be great, and that was probably one of the simplest ways we could have done it. So I liked that. But being a first time homebuyer, I didn't know a lot of what the forms were asking me to do and whenever I was trying to reach out to find out what it is I was trying to do, I didn't get good answers. That delayed the application process and it was super stressful.

Jacob calls me every month to take my payment. He's very friendly and always great! He always remembers me and he does never get rude like other companies sometimes do! I really like having the same person! I haven't had any issues in over a year!

The rep I worked with was excellent. He stayed in touch every step of the way. I had his email and phone number and could actually contact him. We had everything we needed in four days which is a record. It was the seller that was trying to get some proof that she had paid taxes and that held up everything for weeks. But they were ready.

My experience was awesome. My loan specialist was very professional, nice, fast, and very smart. She answered my questions quickly and with accuracy. I could not get an answer on previous occasions with other people. They told me they would find out about it, and never found out. Thanks so much.

The mortgage process took over 45 days. Everything was done over the computer, and I sent 21st Mortgage emails when I had concerns. I work retail, and the only time I was able to do it during the day was via emails.

21st Mortgage was recommended to me by a realtor for the purchase of my mobile home. For the most part, the process was made very simple with everything done via email and online. Joy **, my loan officer, was very professional and competent, explaining items about mortgage papers I did not understand, though I must say she is overworked. The only issue I had was in speaking with her, or anyone over the phone when needed as the working hours are only till 6pm, which is when I like most people get off of work and can address issues. A few times Ms ** and I were forced to play phone tag trying to reach each other on my brief 45 min lunch. In the end she made it happen though. Bottom line is I was very pleased with this company.

We bought a home with 21st Mortgage, and they were very professional, helpful, and efficient. I sent documents through email, and that worked really neat.

I was calling to make a payment on my home and the operator connected me to Eric. Eric was very polite I could hear him clearly as he was asking me questions about my payment. I like speaking to a person that can speak clearly. It's like experience not asking huh what did you say to the other person on the line.

I enjoy working with 21st Mortgage, but my payment should of went down because I have another home ins through State Farm and the amount I was paying for there’s should be removed. Also the welcome letter came after the 1st and I haven’t received my coupons book yet so please send.

I worked with Jonathan **. He was very professional, courteous, patient, and knowledgeable about the refinancing of my home. His patience was very much appreciated during a trying time. I've used 21st Mortgage for over 20 years and will continue to do so through the remaining time I live in the home.

We would absolutely recommend 21st Mortgage! Easy to apply, to work with, Jonathan was a total professional! We love you guys and thank you for an easy process. This was our first home so was nervous but actually it was easy and went smoothly! Thanks 21st!!!

The people we bought the trailers from were trying to figure out how we could do things, then they mentioned something about 21st, so we went through that. For the most part, the application process went fairly well. I had other people dealing with it, because I was always too busy, but from what I hear from the few people that I had talking to them, anytime they dealt with it, the rep was very helpful.

It was a great experience, especially with the portal. It had a list of everything that was required and necessary. So, as I uploaded everything, it would check off and let me know what they received and what they still needed, which made the process go a lot smoother. I initially applied the end of August and then I closed end of September. They could improve on the appraisal. Everything was good to go but then they did the appraisal and it came less than what the seller was selling it for. The seller ended up lowering the price. So if they could've did the appraisal upfront a little bit earlier, it would have helped me. But my loan officer was great. She called me when she received everything that I uploaded. If she had any questions, she called me. If I had any questions, I called her. If she wasn't there when I called, whoever answered the call helped me.

The communication was pretty good. The application process took a while because of my own job history verification. But other than that, everything was pretty smooth. I was happy that I got this mortgage. But I had to pay some ridiculously high percent, which is a fee that was delivered to 21st Mortgage. It was much higher than most other mortgage companies would charge, but I ended up going with them.

I had a huge issue that popped up. Husband has to have surgery and hasn't gotten disability yet. My hours got cut way down all at the same time. Steven was very helpful as well as all of 21st. Very helpful and worked with me and are great!! Thank you!!