21st Mortgage Corporation Reviews

It was quick on my end, but the representative was slow. Everything took too long, and there was too much signing of paperwork. Everything took a week to get back to me. Everything was filtered between six or seven different parties before everything was proper to get back to me. So, it was two and a half months as opposed to what could have been a month. On top of the fact, the rep went on vacation for a week in the middle of the loan process, and winded up with some other guy named Michael. He was good about it. I emailed him, he emailed me right back. He responded immediately. I asked him a question, he answered it right away. The previous rep had the refinance information incorrect. She assumed that the land was tied to it. But the entire time, including the initial finance, the land was never attached to it. That's why everything took so much longer. And that was when Michael corrected it. Don't do it.

Jamal was professional and courteous. Telephone conversation was without a hitch. Would recommend 21st Mortgage to my friends. Telephone call was answered promptly and I was directed to the correct department.

My experience was terribly difficult. The loan officer was somewhat helpful. But the information that I got from him is that it seemed unclear to the underwriters how to structure the loan. And if you're an underwriter, that's something you should know how to do. It was a constant request for the same documentation over and over again, in different forms.

Great personal service. Jessica was awesome. Great company to deal with. Everything was easy and convenient hours. Phones answered. People were very pleasant. Highly recommended. If you need to purchase a mobile home I would recommend this company over.

My experience with 21st Mortgage was a little stressful and a little aggravating because they would ask for documentation, we would send it to them, and then the documentation wasn't good enough or because it was typed up and it was worded in some way, they wouldn't accept it. We have to get it re-typed and worded the way that they wanted it. It was back and forth. It was a little bit annoying in that aspect. We had to wait and wait and go through their little process. Their reps were very polite on the phone. It was just jumping through multiple loopholes for what seemed like no reason because of wording most of the time was the biggest thing.

Kristina provided outstanding customer service. She needs a raise. Answered all of my questions and was friendly and courteous. Was able to provide information regarding my mortgage and never lost her patience with all of the questions I had.

The application process was simple and they answered all my questions. Anybody I spoke with was informative and helpful. The rate I got was not too bad considering what my credit was. If I am able to get another mortgage, I'll go with them again.

Aron was professional and nice. Helpful in accepting my payment. Made sure my address was correct. Listened to how I wanted to apply my payment of the amount of $39.11 being applied to my principal. He was courteous.

Spoke with Carson in billing. I believe he helped steer me away from deferring a payment and has hopefully got me back on track. Easily could have pushed me off on someone else's problem shelf but went above and beyond coming up with a different solution to my problem than I had initially thought of. Thanks a ton. Top shelf customer service.

I applied on a Friday and Monday, I received a response. The rep was great. I was able to access him whenever I had a question regarding the documents. I was comfortable working with 21st. The terms could have been better but that’s okay. I can always refinance.

Working with 21st Mortgage wasn’t superb, but it was alright. The only thing I really don't like that wasn't discussed in detail was how the home insurance goes. We know that you got to pay the first year upfront, which we did but when we were going over the details, they didn't say, “Hey, you'll still be paying home renters insurance even though you paid a year upfront.” They couldn't explain to me why. They can't price what we'll be paying next year. What if we end up changing and wanting to go with a bundle deal? Yet, they're still charging us monthly for a prorated next years’ home insurance. So, that part annoyed me. No one would give me an answer, and getting a call back regarding that issue was like pulling teeth from an alligator. I really still don't know why we're still paying that even though we paid a whole year.

21st Mortgage was the only company that accepted my application. The process wasn't hard to deal with. If we had questions, they answered them fine.

Everything was easy to send in. If we were missing something, they'd contact us and tell us what we're missing and what we needed to do step by step. I recommend 21st Mortgage.

I've been a broker for going on 20 years in Washington State and have dealt with more lenders than I can count and I can honestly say that Joy ** was one of the best. She always respond promptly to my calls or emails. She provided proof of exactly the steps she had taken when the transaction turned bad and closing was delayed thereby proving to my utmost satisfaction that the problems that happened were in fact caused by the escrow company here in Washington and NOT by her or her firm. She went above and beyond in my opinion in trying to keep everything on track and done in a timely manner. I will definitely recommend Joy to my clients when they need a manufactured home loan.

When Oak Creek Home refused to return my calls about getting the repairs done after setting up my home Matthew with 21st went above and beyond to help with getting oak creek to contact me. It took him 1 day and oak creek called me. After me placing over 50 calls to them with no return call. I would recommend 21st to everyone looking to get a mortgage.

We were given a list by the manufacturer's homeplace that we bought our home through and we picked 21st Mortgage as it was the best one we could find. The first step was getting pre-approved, just getting them to pay stubs, and then we didn't have to do a whole lot. We had a little bit of trouble with our land because we were buying it and it wasn't in our name so that held the process up a little bit until that could actually be put in our name. But other than that, besides getting the documents that were requested, the time frame was great. We started in November and we were in our house in January. Everything went well.

Getting a mortgage was really easy. Everyone was friendly and understanding and they knew what they were talking about. They knew their job well.

There's no holdup with 21st. The application process was straightforward and mine was approved in a couple of days. Everything was done professionally and in a timely fashion. I worked with Jamila and she was always attentive to whatever needed to be done.

21st Mortgage Corporation gave me the list of what they needed and they approved me quickly. On 21st Mortgage's side, everything was smooth and painless. I had a feeling of what everything would entail. The rep was very polite. She told me exactly what I needed. They said, "Here, we need your check stubs. We need to verify employment." There was a little hiccup where they miscalculated something. They fixed it fast.

21st Mortgage is all right. The rates are very reasonable. Everything seems to be going very well.

There was good communication. 21st Mortgage was responsive to emails and phone calls, and they answered questions that I had. I was able to call a couple of times and get things clarified. I liked being able to do everything online.

21st Mortgage's was cheaper than the rate we had before. Also, the rep was great.

Have been out of work with COVID. Everyone I spoke with at 21st was more than willing to help me in this difficult time. I got the loan extension which helped me tremendously. These people genuinely care about their customers. God bless them.

I called in today on my payment and account. She was the absolute best. She went above and beyond in helping me. It’s not just the call, but the people behind it. My family and I absolutely love 21st Mortgage. They're not just professional and business, but they're a family for life.

The rates are too high. Other than that, the process was quick and easy. By the time we got all the paperwork in, it was three weeks. 21st Mortgage Corporation was on the ball. Take your time and go ahead and do the appraisal system.

Calling in to this company is an absolute pleasure. Talked to a lovely woman named Emily and she couldn't be more polite, kind, and courteous. Thank y'all for being an amazing mortgage lender with amazing staff to back it up. Calling in feels like calling a friend.

The mortgage process was fine, but the appraiser took over 60 days to get an appraisal in and it had to be corrected twice. Also, I would love to have had a lower rate. Then I ran across somebody on Saturday who told me he could get me 5. I paid 6.3. I said, "You know, I'm not gonna mess with anything. I'll take it as it is." But he understood the terms and what it was about and he said he does have a guy who could do it a bit less expensive and the rates because he said he got it for me for 5%. Everybody at 21st was wonderful in every way. They're responsive, professional and caring.

The salesman put me on 21st Mortgage because he kept saying how hard it was them. And I said, “I wanna see. Let's go for it.” Just a challenge. But I enjoy having the loan with them. I could call right now and get anything I needed done done. Everybody that I’ve talked to has been friendly and answered my questions. And every one of them has always told me, “You have any more questions, just anything, just call.”

In my experience of having varied mortgage loans, no firm has match the quality and service provided by 2lst Mortgage Company. 21st Mortgage is an extraordinary firm with excellent well-informed representatives and a customer service staff that is always ready, willing and capable of assisting their clients regardless of individual needs.

Hannah was very helpful today when I made my house payment. Courteous and pleasant to deal with on the phone. Took care of my payment in a timely Manner. I would have to give her a very good review on the way she deals with customers.

I like getting calls reminding me when it's time to pay. It fits into my tight schedule. The only thing I would like to do is for you all to waive all my late fees and the rest of my payments because I'm a senior citizen still working and it's becoming difficult to pay this bill every month. Any suggestions, ideas or help would greatly be appreciated. Have a great day. Thank you.

The reps from 21st Mortgage were very responsive. If I would call them or leave them a voicemail, they would reach out to me right away. At first, I had issues with my credit, but they were always very helpful with whatever I needed. I spoke to several people and all of them were the same. But the process took around three months and it would have been great if it didn't take that long. However, most of it was because of the place where I was getting the mobile home from because whenever it came to 21st Mortgage, I was able to send the information that they needed from my phone on my email. So, I was able to update the information faster directly with them than through the mobile home place.

Mary Beth is kind and patient and has a wonderful sense of humor! She made the ordeal of "catching up" easy and painless. It was also quick. I answered at work and it only took about 6 minutes, start to finish. Thank you Mary Beth! I appreciate you. Stay safe!

Applying with 21st Mortgage was pretty easy. We came home and we did it on our computer, then we were approved in the next morning. The application and underwriting took about a week and it was two weeks before we closed. The process was quick. The reps we worked with were helpful and if we had questions, they answered them. If they needed anything from us, they let us know, and if we were missing something, we got it in as soon as we could. I was comfortable working with them and the service was very satisfying.

1st time using 21st Century Mortgage. Purchase the land with mobile home. They get it done as quick as possible, my loan department Trevor **. He help me very well and communication with me and my work place what they need to get the process done fast. Once everything done it close smooth and easy. Thank you for the help. My family and I enjoy the place we bought.

21st Mortgage's portal deal was easy to use. It lists down what paperwork you need and lets you download what forms you need. Then, you can look on there and see what you hadn't done yet. I loved it and the process was fast. The rep I worked with was also good and answered any questions right back.

Drew, the rep from 21st Mortgage, helped me go through the process and was very quick with everything. It was way faster than any other lender that I've dealt with in the past. I can't complain. It was extremely fast and easy. He gave me his number and extension and answered after hours. It was super easy to contact him as well.

Olivia was a great help during my payment history and payment over the phone. Also explained how the process of becoming a owner goes and was able to sent all the paperwork needed to my mailing address

Thank You! The Experience with 21st Mortgage was Great! Easy to use web payments and the few times I did have a question to be answer the staff was very courteous and helpful! Would definitely recommend

21st Mortgage's reps were going back and forth, and they got to the right numbers. The rate I was given was high but there was nothing I could do about that part.

The process was fairly smooth. It was a little slow getting paperwork. But one of the big things that I struggled the most with was employment verification. Employment and wages verifications use a third party to obtain that information, but the company I work for will not provide it. 21st Mortgage will not leverage that third party organization. They flat out refused. So I had to wait two full weeks until I get another paycheck stub to provide 21st Mortgage with proof of employment and wages. But my loan officer was fairly nice. He was friendly and helpful enough. He was a fairly responsible one. He would tell me, “I'll check with so and so,” and get back with me. Overall, 21st Mortgage improved my mortgage and I was able to get the loan. I've also paid them off. So that was even the better part.

I love 21st Mortgage. The interest rate was good and they acted more like they cared about the people. I was telling them my situation and what was going on and I didn't have any problem with them. They called and were very patient because when I was going through the process, I was sick. They got back with me really quickly and I was very satisfied with them. I also like the way they put your insurance in with your note and that's something I know will get paid for sure every month in with my mortgage.

Everything was quick, easy, and smooth with 21st Mortgage.

Every time I called my loan officer, Teresa, always answered the phone and answered all my questions. If I needed something, she got it to me. Once 21st Mortgage received everything that they needed, they set up getting someone to come out and do the appraisal. This was the first time I ever bought a mobile home so had a little bit of challenge. But other than that, it wasn't bad.

I was satisfied with what we went through at 21st Mortgage. The application and underwriting took about a month and they were great. They answered all my questions that I knew to ask and being that I haven't bought anything this large in 20-something years, I appreciated the help.

I was very pleased with the assistance and guidance I received in working with 21st Mortgage. This was my second time buying a house and the first time around working with another lender was really challenging. But 21st Mortgage really made the process easy for myself and my partner. Kellie ** went above and beyond for us. I would recommend 21st Mortgage and Kellie to any one of my friends looking to get a mortgage. Again I can’t thank Kellie enough for helping us through the process and answering all our questions with expertise.

There was a lot of miscommunication and handling on the date I was scheduled to close on both properties caused excessive delays: **. The funds from my escrow account was applied to loan payoff w/o discussion. Not a happy customer.

When we originally bought the house in my daughter's name two years ago, 21st Mortgage was recommended. When I purchased it off my daughter, I decided it would be easier to stay with them since they had all the documents. The only mess up was the loan officer was saying one thing, but the other people were still asking for the same documents that he already had. They kept emailing us, wanting us to finish sending documents.

I received an investment loan for a modular home from 21st Mortgage. This was my third investment property I have purchased and my overall fifth home I have purchased. This company was the absolute worst in all aspects by far. This was also the smallest loan I have ever taken out and with the best credit I have also ever had 800+.

Stephen ** was very nice and helpful to me. I appreciate his hard work and knowledge. Had a question to change my auto payment from removing one bank account to another. He told what was needed to change it. Thank you

Your customer service dept. is wonderful to work with! Always quick, pleasant and helpful. The hold times are very minimal (the hold music is pretty good too).Thank you all for your hard work! It is very much appreciated!

There were several back-and-forths with the auditors, which were frustrating, but all eventually worked out. I also wish that there had been a really clear welcome call which went through the online portal in a way that helped me understand where, how to find things. Eventually, I figured things out.

21st Mortgage is the best mortgage company out there. They truly are experts in their field. If you have any questions during the process they are always there to pick up the phone. If not they will return your call as quickly as possible. They helped me buy my modular in the easiest and fastest way possible. They process everything as soon as you send in what you need for loan. They are professional and courteous and most of all they make buying a house easy. If you need a modular home this is the place to consider! THEY ARE THE BEST!! THANK YOU 21ST MORGAGE!!!

21st Mortgage was very demanding about what they needed. They were very insistent about needing my own letter saying that my other house in another city is paid for. That was frustrating to me. I never spoke to anybody in person. It was always email and that's not exactly the best way to do it. I was getting an email from one person. He noted that he would be gone for a weekend but there was no notice that anybody else would follow up while he was gone. That would have been a little more helpful and made me not stressed about what would happen if something changed between then and after.

Full Service Lending services of Mortgages, Great team support. The Company assists with Mobile and prefabricated homes loans. Loan officers very professional, very experienced, very knowledgeable, courteous, great company to work with.

Trevor ** was experienced, helpful, patient, made the process easy to get me my mobile home loan. Also I got a good percentage rate on the loan. I would definitely recommend any of my friends and family to get a loan at at 21st Mortgage.

I would like to recognize Lindsey **. She did an amazing job keeping me informed during the whole process. Very knowledgeable and professional. Please recognize her hard work! The overall process was very easy thanks to her attentiveness.

Y'all have been great to me. Thank y'all so much. I would tell anyone how great y'all are. I am proud that y'all are my mortgage holder. I will tell everybody about y'all. Y'all have great to me and my family. Thanks so much.

The 1 bright spot was loan originator. She was usually very helpful. Although still never once actually spoke to her. They constantly changed terms over the almost 5+ months process. Only to tell me almost 3 months in that they could only finance a percentage of the original purchase price from 12 years ago??? Not the 230k+ it was appraised for. They did eventually close and it was a means to an end but would not recommend unless no other choice.

It took a little longer than anticipated but overall my experience was satisfactory. I am not sure if the office is working from home or what, but I will say that it had that vibe. I would recommend 21st Mortgage to others.

21st Mortgage was very good, except for the fact that Ken, who was handling our loan, was very poor when it came to keeping track of the paperwork. Multiple times, he came to us and our realtor saying he didn't receive something, even though we had proof that we sent it to them. It was right before the holidays and I think he was already on vacation because he was taking two weeks off. Other than that, the whole process was pretty quick. At the time, there were a lot of other things going on but the process was completed within six weeks from start to finish.

I've had a good experience with 21st Mortgage and Ryan, the mortgage officer who helped me, made it easy and smoother. When we got the list of what we needed to do, at first, I thought we would be able to get through the process and then take each piece by piece as we got it, but he didn’t explain that he needed every single piece. So, we took way longer than we needed to get the process going. There could have been more clarification on how quick it needs to be coming in to get the process going. But working with Ryan for the most part was simple and he explained everything for me when I had questions.

They are great to work with. Sean has the answers when I have any questions. He always asks if I need anything else today when I make my payment. Very friendly and I appreciate that. Thank you for the help.

The paperwork when I did everything online and got the packet sent to me, it was a lot of stuff 21st Mortgage could have handled that they should be handling instead of me. Since I went through 21st Mortgage, I have had to go and get, pay off, close, and stuff that they already have that they can get. I travel for work, so it was very inconvenient for me. The whole time that I was doing it, I had to at least take off five days of work just to get that situated. It would also take me a while to get on the phone with the rep. When I started talking to him about everything, there were some stuff that came up, and he got an attitude with me a couple of times. I was trying to tell him, "Hey, this is what you told me, " and he said, "Oh, that's not what I told you." It was aggravating.

The rep I worked with was excellent. He was very explanatory, very customer service. He was always available to me to talk, to inform. He got back to me immediately and was very understanding. Because I have a lot of limitations with my long hours. I work 12 hours a day. When he was available, he immediately returned my call and spoke to me. I am really very happy with 21st Mortgage. The process is really fast for me. It was very simple because it's not too much bureaucracy. It's straight to the point. The paperwork was easy to do and the request was because the law requires certain things and we have to do it. That, for me, was an excellent process.

The application process was super easy. I am a first time home buyer, but I did not have to go through any trainings or programs. I applied and was approved. Everybody was super helpful. The rep, Ryan, did an awesome job. I’m still in contact with him now about a couple of things that we’re waiting on from the state. Whenever I email him, he emails me right back.

Dominick gave me great information on topic and then proceeded to give me some very helpful information to help beyond my mortgage payment. It was a warm, genuine conversation, never pressured anything and genuinely offered help.

Colby was very informative and helpful in answering our questions. Very nice person. We are thinking of selling our home this year and had questions about how to go about it. It was a pleasure talking to him.

I had Ethan. He was amazing..Very thoughtful voice and manners...Wish he could answer every time...He was very polite and you could hear joy in his voice. Most pleasant call I have made to any company in a long time.

The person that was on my case wasn't the best. He was super unprofessional with emails and not even leaving periods or capitals. We had to get a new person and it made the process a month longer than it was supposed to be. They didn't tell us they were going on vacation until the day of vacation and requested a lot of things that I had already sent to them and that 21st Mortgage had already approved of.

Alexis ** is very Helpful and Attentive And We Appreciate Her quick Response to our needs And Her Professionalism to Matters at Hand are Greatly Appreciated. We Believe She's A Great Asset and Very knowledgeable individual And Well Represent Your Company with High Standards.

The process with 21st Mortgage was everything that they said it was.

Trey provided excellent customer service! I have contacted the financial counselor on the account several times and could not get a call back or get the questions I had answered. I got Trey today when I called and he was able to answer all of my questions and he was happy to help. That is so hard to find these days.

They've been the easiest and best to work with through the beginning. Not a lot of people wanted to get mortgages out for manufactured homes. They were one of the only ones who did and they worked with me well. The application process was a bit difficult because I don't have a computer and I'm not very technology-oriented. But other than that, it made it pretty simple once I talked to my rep Lindsay and got the basic stuff. She was always quick to get back to me. She was patient and she worked with me well. She didn't try to push anything and gave me plenty of time. Even after I'd hung up and there'd be something that I think of afterward, I’d email, and she’d email or call me right back.

There was a miscommunication on the application where there was no part for me to write in where I get tips as part of my income. As a server, I get paid 13 an hour and the rep was telling me that I didn't make enough. I'm like, “Well, I put in a note that I make tips.” There was no way I could put like how much I made in a day. I even told her that sometimes I can make 400 for the whole day if I work from opening to closing and it showed on my check stubs. I recommend that on the application, if servers want to buy a home, there should be a part where they can put additional income like tips. We almost got denied because of that.

We had a great experience with the rep of 21st Mortgage. At times though, when I felt like I needed to speak to my loan officer, the communication was a little bit difficult. Phone calls were hard to do. We had to do everything mostly by email. But the application was easy to do. It didn't take long at all. I had all the information that they needed.

The application was smooth from beginning to end. The list of requirements is clear, concise and easy to follow. And that allowed me to go out, gather my documentation. Submission of it was simple as well, nice and easy. It was a good experience. The only problem that we ran into was trying to set up the online payment. It wouldn't accept my email address for some reason. I got in touch with somebody, they said they were gonna forward it to IT department. I don't know how far that went. But, everything was great. We would definitely feel comfortable recommending somebody to choose 21st Mortgage.

Great. Easy to deal with. Always a pleasure and can handle all our needs. Dawanna ** is always friendly and professional!! She is efficient with any concerns about our account. She cares what situation we are going through.

Dawanna is very understanding and considering of our situation! I truly appreciate her! We explain to her what is going on health wise and she help set up a split payment plan until we can get our finances back in track.

We did a refinance with 21st Mortgage and it went fine. It was a very easy refinance. The application process was okay. They were fine and did a good job. Everybody was helpful with answering questions that I had and getting things taken care of.

21st Mortgage was the only one that did the type of mortgage I needed. It was a first-time loan but it was a little complicated and a lot of other people didn't know how to do it. I was buying a house but I wasn't buying the land because my family already owns the land. So, it’d be useless to buy the land from my grandmother, but I was buying the house from my uncle. But they were able to accommodate.

The Gentleman was polite and very well spoken. He was able to take care of my needs swiftly. And when asked was able to look up the information needed with no complaints. His name was Austin. He did your company proud.

Very helpful in time of need and very nice and professional when helping out after having Covid 19 and other medical issues related to Covid virus. Would recommend them any one looking to purchase a new home.

Had an awesome experience on the phone with the lady today. She was knowledgeable in everything I needed to know, and completed my request within minutes. I definitely will recommend them to all looking for trailer home loans.

Brandon addressed the issue of the call. I had to inform 21st Mortgage of the split payment since my husband is out of work for approximately 1 year. Brandon put my mind at ease by not pushing the issue of payment but noted it on the account.

The process went well though it took a little long, about three months, because we had some issues with the cellar. All the documents were easily viewed online and submitted online. If I had any questions, I had to call the representative who was assigned to the loan. One thing I didn’t like was the rate. It was a mobile home and the rate is a bit higher than a house. The only problem was because of the age of the home.

Called to submit payment over the phone. Process was simple and easy. Encountered no problems. Representatives were so nice and professional. Will continue to use pay by phone and/or online in the future.

So far, so good. 21st Mortgage is affordable. The rep, Ryan, was great. He helped me a lot. Every question I asked, he answered. The process took longer because they have a lot of requests but it was easy for me because they helped me. The only downside is the rate is a little too high though my credit that I've been working on for the last 10 years is excellent.

Hannah and her coworker have been working with me on my loan. I will know more in a few days, then I can complete my review. Recent job loss and being very Ill for over a month makes it hard to start a new job.

I knew I needed to extend the date on my payment this month. I called and spoke with Lucas. He was extremely gracious and helpful. He eased my concerns. I called today and spoke with Jamal. Again, he was also extremely helpful. Both of these gentlemen were very professional and took excellent care of my needs. They are both shining examples of superior customer service.

It was wonderful speaking to them. They were very helpful in assisting me with my needs. I appreciate everything Joseph and the team there did to help me during my time of grief and need. Wonderful teamwork and just an all around great group of people. Very courteous!!

Chloe ** was willing to work with us when times were a little tough around the holidays when it came to our mortgage payment. We have had interactions with people in the past who aren’t pleasant and willing to work with us, but she was.

The customer support kind of lacked. The person I was working with just disappeared. I couldn't get ahold of him and later found out that he went on vacation. The application was easy but trying to deal with the underwriters was very difficult. You would send them the information they asked for then they would say, "No. That's not what we asked for.”

I am part of Sun Homes and was trying to help a resident sell his home before it fell into foreclosure. I was working with Shavronna, 800-955-0021 EX **, and I want to let you know she went above and beyond to help get this deal through! I could not have helped this resident without her help on 21st's end. She was professional, courteous and helpful throughout. Not to mention compassionate towards my resident who had had a stroke and was falling behind in his payments. Again, this situation would have been horribly different without Shavronna's guidance and help.

Olivia ** is the most kind and helpful person I’ve ever had the pleasure of dealing with. She is understanding and kind with an awesome disposition. Your company should be proud to have someone like her.

We've had great customer service with Ryan. Is 21st mortgage has worked with us on payments since the pandemic started. We are so grateful for them and would recommend them to anyone to purchase their new home from.

Conner was very polite and efficient with handling our questions & concerns. Felipe is also a great customer service representative. Both are also always very courteous and answer our questions and concerns with the utmost respect & professionalism.

I am going through a hard time. Just had my 7th surgery this year. Finished putting metal disc plates and screws in my neck and spine. I believe Ivy was my loan specialist and she went out of her way to help me go over my budget analysis between surgeries to try and assist with getting help with our mortgage this month. A true Christmas miracle for us.

I have been doing business with this company for 6 years and no problems or concerns that they are handling my mortgage. Called for help the first time today (technical issue with log in. Not my mortgage). Shelly was really sweet and helpful. Solved my problem in just a few minutes. Overall satisfied with the way they conduct and handle my business so far.

I was so excited to learn about 21st Mortgage via the Internet. I have been renting to own, a single wide Park Model with an added on room located at Orchard Ranch in Dewey AZ. 21st Mortgage is different. Consumers can pay upon credit approval, 5% down. The other mortgage companies require 20% or more. 21st mortgage made qualifying so much easier. Brian ** is an asset to 21st mortgage. His communication, professionalism, speediness and customer service, provided, in 21st Mortgage another referral for our dept for NACOG Area Agency on Aging. Kudos!

The rep at 21st Mortgage Corporation helped us a lot during the application and she was very good, communicative and kept in contact. We were going to do this in 2020 but it didn’t fall through. We started it up again in 2021. The rate was a little high but it was not a conventional mortgage loan. We had hoped we would be able to get a better rate than we did.

The rep from 21st Mortgage, Kylie, was amazing. She got back with me right away any time I had a question. I was upset with the appraisal so she called to find out what I was upset about and she explained some stuff to me that I didn't understand. She was helpful and great to work with. Even if I just emailed her a message, it didn't take her long to get back with me at all.

I'm beyond grateful for the team, and especially Nick! Not only are they dealing with the pain of covid, but they are understanding and always so respectful of what people are going through. Nick always seems to have a smile on even through the phone calls.

House payment. The lady was super sweet. Even though she basically called me a guy. She was very helpful. You really need more like her. Only issue she talks super fast. But I understand that. She was probably extremely busy.

Travis went above and beyond over the months it took to finally close escrow on our home purchase. He even took it upon himself to initiate conference calls with the escrow reps when documents they submitted were not correct. It was a long struggle that would have ultimately fallen through without Travis' diligence. Thank you Travis and 21st Mortgage.

I needed to make my first payment with 21st Mortgage. I gave them what they needed to locate my information. I created an account online so now I'm Able to make my payments online with no problems. I'm very pleased with the outcome. ALL IS GOOD, VERY HELPFUL!!! THANK YOU!

We are very happy with the process and communication with 21st Mortgage. Tyler was very thorough in keeping us abreast and updating on an almost daily basis. Changes were discussed with us as the loan amount first went down and then back to original, the effects explained and no bumps in the road at all.

Thank you 21st Mortgage for allowing us to buy our first home. Our experience was easy, laid out, and we had a perfect agency. Trevor was so helpful, always able to get back with us, gave us recommendations on what’s our next step.

We had a very smooth and easy experience with 21st Mortgage. Helped us through every step, every person we dealt with was knowledgeable about our process! Thank you. Jason set up our appraisal in a timely manner.

When my boyfriend and I decided to buy our home, we got recommended to 21st Mortgage and I got put into contract with Drew **. He was so patient with us being first time home buyers and answered every question we had quickly and in detail to get me the best options for our loan. He was truly the best person we worked with throughout this whole buying process and made it so easy for us, even after we had to switch loans and had the process stretch out longer than we had originally planned. I would definitely recommend Drew ** to anyone who is looking to buy any type of home.

We were buying a mobile home and the complex we were buying it from suggested 21st Mortgage. We did everything online and on the phone and the whole process took three months to complete. My wife and I are a little bit older, so we're not that great on the internet, but they helped us out on the phone and they walked us through the process. When we had questions about what we had to fill out for this and that, the rep that we talked to was very informative.

Being a first time home buyer I had a lot of questions along the way. Trevor ** was always polite and very responsive in answering any questions or giving updates since it was a 4 month long due to a long wait on appraisals. The only thing I did not like was that I was unaware that most of my payments would be going to interest and how my amortization schedule would be set up as. I found out after seeing how my first payment was applied.

Trey is great help and he's very patient with his customers. He also answer questions and talk to his customers with respect as well as asking if there's anything else that he can do to help, just to make sure the customers are satisfied. Thanks for being a great communicator.

We are absolutely thankful for 21st Mortgage Corp. We also have the best accountant Brittany! Definitely would recommend them to anyone! We are so blessed with a awesome mortgage company! Thank you 21st mortgage and Brittany!

When dealing with 21st Mortgage company and my contact person Kelly **, we have always had top notch service. I don't really like dealing with a lot of people and Ms. ** makes it a great experience. Would recommend this company to anyone.

I worked with Ken and he made everything super easy. He told me what I needed every step of the way, constantly keeping me filled in on everything that was going on. When I needed any changes going on, he was super helpful, and I could call him any time and ask him questions. It's just that I mainly use my phone for everything and I don’t have a computer so I was having trouble uploading documents a few times. But it didn't cause too many problems. They were great to work with and I would do it all over again.

All the agents that I have had contact with have been very professional...Always answer my questions or concerns and have been very willing to help when I got a little behind. Overall I am very satisfied with the service I have received.

As a new home owner I have been having a little trouble balancing life and bills. The staff at 21st have been patient, polite, understanding, and informative. It is always a pleasure dealing with them. I do truly thank them for their courtesy and their time.

We purchased an investment property and on the property was a single wide mobile home. 21st Mortgage was one of the few lenders that would finance the property with a mobile home on it. We did the application online. It went through and when we started it, we didn't know exactly how much they would require us to put down, especially it being an investment property, so we just elected to do a small amount. They told us that we had to do a certain amount so we submitted with the 10% down. Once I sent that in, they sent us our approval and then a list of documents that they were going to require. We submitted all of our documentation. They sent in for the appraisal. The longest part of the whole process was waiting for the appraisal company to do the appraisal. Overall, it was an extremely easy process.

Very professional and kind person. Took care of the problem very quickly and set me up with the information I needed. Thank you. Please feel free to contact me with any further issues regarding this matter.

Needed some information on my mortgage...Talked to Shelley...She provided all I needed.. Very easy and professional...Thanks Shelley...She answered all my questions plus more..I highly recommend asking for her on all your question...

Last few months have been great. Much better than the past. My agent has been very accommodating, helping me extend payment times when needed. I appreciate his patience. He has been very kind. Hope you all have a Merry Christmas.

Ethan provided excellent customer service. He was very professional and was a joy to speak with today. I work in customer service and would love to have Ethan working for me on my team. He is a big asset to your company.

Great and easy experience. Very helpful with service. Very knowledgeable and knew how to help with getting my mortgage paid. The service is always satisfactory in my experience with every customer service representative I’ve spoken to.

The process of finding a mortgage company to finance what we wanted to do was very hard. 21st Mortgage was the only one that was willing to help us out. However, when I was talking with them and we were going through the process, they acted like I could have gone anywhere. It was very helpful and very friendly. They communicated a lot with us the whole application process itself and we did everything electronically. It got a little bit confusing at times. As busy as I noticed Brian, my loan officer was, any time I got on the phone with him, he was very patient, took as much time as I needed, answered questions and helped me work through whatever needed to be worked through, and he was very pleasant.

Awesome customer service. Very nice and helpful. Friendly and pleasant. I'm happy to do business with 21st Century Mortgage. I would recommend to family and friends. Thank you for being nice and pleasant.

Had to pay a late bill and Matt was more than helpful. Very insightful and courteous. Have talked to Matt in the past when going through my divorce when a payment was missed and I was unaware of it. Matt is an asset to your company and a pleasure to speak with.

Thank you so much for helping me on behalf of my family!!! Now we can rest assured that my father’s investment is secure! Excellent customer service. Thank you Erica for going above and beyond to assist us!!!

Jamal is always kind and willing to work with me. I have never had a bad experience with him. He has been courteous, professional and just amazing. I appreciate it's patience and understanding. Kid's always professional. Always up to give me options if I am in a spot. Please give him a raise.

The broker price opinion took forever. The first contractor that they got messed everything up, and then they couldn't get in touch with them. There were three steps of removal in the communication and nobody knew where they were or if they were going to fix it in time. It almost resulted in the loss of my deal. It made it so I had already sold and moved out of my old house and staying in hotels and living in my car. Really bad. The process seemed there was no solution. I'd call every day to try and get an update and would just be told that there was nothing they could do but wait.

They were really fast with responding to any questions I had throughout the whole process. Nikki was one of the people that were working with me and she was awesome. I was very comfortable working with her. She was very polite and respectful. Once I signed up on escrow, everything went by really quickly. They helped me out with my credit. It wasn’t the best and my interest rate was a little high, but they made it work for me. I'm satisfied with my experience with 21st Mortgage.

They were easygoing. But I wish that my APR was slightly lower and if they were able to tell me why it was so high or why they couldn't get it lower. But everything else was fine.

I called in today to make a payment on my mortgage. Steven was very helpful and friendly! He processed my payment and update my contact information. I will definitely recommend 21st Mortgage to my family and friends!

Kelly is so amazing. She is so kind and understanding and willing to go the extra mile for her clients. She does everything she can to make sure she gets you all the help she can. Thank you so much for always being so patient and understanding.

Kenner was outstanding to work with! Very professional and polite, and handled my call in a timely fashion. We will always go with 21st as our choice of mortgage companies, and have a new home setup with you already.

Madison was the one helping me out with a payment. She was very professional and it was a great experience speaking with her. I would definitely recommend this company to my friends all around. Great service was provided.

He was a pleasure to speak. Answered question in a timely manner. Very polite. Amazing service as always. This company as a whole has always been great with customer service. Very easy to do business with. Thank you so much. Laura **.

They were really friendly, polite and professional. They were awesome. They did a really great job. Anytime I had a question, I would email my loan officer and she would get right back to me. She would always answer my questions and it made sense to me. I understood everything that she replied back. The loan process was really good. Overall, it took about two months. It was pretty quick. It was a really good experience.

Tyler (remember his name because he deserves all of this praise, TYLER) has gone above and beyond to help me through my financial (and other) difficulties. He has been very patient and kind. He deserves so much praise, a raise, or at least someone buy him lunch or a cup of coffee! He has made a difference in my life.

Friendly, efficient, knowledgeable and any delays for hold time is never excessive. Just momentarily and the call is short and always resorts in sufficient resolution we all can work with. Thank you for your time and help.

The gentleman that I worked with was helpful. Anytime I had any questions and called, he gave me the answers I was looking for or handled the situation. 21st Mortgage got the job done in a mannerly fashion.

Dominick was very polite and helpful. Answered all my questions and gave me advice on my payments. Helped me with upcoming surgery questions I had. Set up the next payment arrangement. And gave me info on where I was with my payments. Thank you Dominick.

Excellent customer service! I got my questions answered and was able to easily make my mortgage payment by phone. Thank you for the great service! It's hard to come by these days. I truly appreciate it.

The representatives were satisfactory. It was just a long process. It took forever for the appraisal people to get out and do their thing, but there was nothing that could have been done differently about that. The web portal that I had to upload documents on was a pain. The document had to be filled out exactly right. But everything seemed to be all right. I’d still recommend 21st Mortgage.

Madeline ** was extremely helpful, and made for an overall great experience. She helped me with setting up my payment for the month. She took the time to explain everything to me, and informed me of easier ways to make my payments in the future. Thank you again for the help!

The experience was helpful. The person I talked to was very polite and took time to explain the process to me. Appreciate it very much. Thank you. l would recommend it definitely. This was helpful too.

I couldn't ask for friendlier people to deal with; always professional and very easy to talk to. It's been a pleasure dealing with 21st. I've had some difficulties lately and they have also worked to help me as best as they can. Just having them as my mortgage company is a relief.

I did the initial application with 21st Mortgage and from there, the only issue that I had was when it came down to do the appraisal. There was a miscommunication with what 21st Mortgage was requiring and what the appraisal person needed to know to finish the report. Other than that, it was a smooth process throughout the whole purchasing of the house. My rep was awesome. He was very attentive throughout the process of buying the house. He always answered the phone and was very calm. I liked the timely manner that he would get back to me. If we had any issues going on or if I had any questions, he either would put me on hold and find the answer or give me a call back within an hour. This is my first house and I always hear that it's so difficult and stressful but he definitely helped with keeping that stress level down.

This morning I needed to call 21st Mortgage regarding questions that I had on a current mortgage. I received excellent help from Lucas. He answered all my questions and was extremely helpful. I highly recommend him!

The person that worked on my file was easy to communicate with and always available. Everything was done in a timely manner. The rates and terms I got were fair. I would definitely refer 21st Mortgage to people.

We were looking for a mortgage lender for mobile homes that are manufactured homes in a park. We went to Four Seasons and the manager there told us that they use 21st Mortgage for their mortgage company so I got in contact with them. The rates were a little bit high but if there were certain mortgage companies that would finance in a park, we have to take what we could get. The representatives that we spoke to were easy to talk to about the needs that we had. Their communication was good as well. The only thing that we didn't like was that when they posted information online, it wasn't up to date as it should have been. It would still be showing that some paperwork was missing. But other than that, it was not a big deal.

21st Mortgage's reps were all very helpful and nice. The communication was very good, the process was pretty easy, and the rates I got from them were fair.

Tony was great! He quickly took my payment, even though a bit late, made sure all was current and did it in less than five minutes. It was and usually is a pleasure resolving any issues with the staff. Thanks!

When I applied with 21st Mortgage, I was living in Massachusetts. I was signing over the internet, then they sent the paperwork to me, and I sent it back to them. Everything went pretty smoothly and the process was very easy. It went by quickly, too, and took less than a month.

21st Mortgage was awesome. It was easier to go through them because the home that we were purchasing was already financed through them. Their feedback was on point all the time. As soon as I would submit anything, they would be right on it within minutes. They were really good and every time I called, they were super informative. It was my first time doing all this, so I was a little confused on all the forms but I didn't have issues. They made this process so easy, not even stressful.

Maggie understood and was very helpful. Great customer service. Answered all my questions. Was able to help set up payment plans. All recommended us to refinance and was helpful and transferred me. Thank you.

Been very understanding and helpful during the refinance process. Each time they have called always very professional. Would recommend to my friends. I have dealt with Liz on numerous occasions. Couldn't be nicer.

It was nice that the 21st Mortgage Corporation loan officer was the same person throughout the process so there was continuity there from even the first phone call. We did everything electronically. He seemed very much on top of things since the beginning, shared all the information in a timely manner and provided adequate feedback when needed. So, it seemed that we worked well together.

We were looking to purchase a new mobile home and a place in Canton, North Carolina. We looked on 21st Mortgage's website and saw that they also finance land home packages, where the home is not brand new. We contacted them and they were tremendous. We had some things come up in the process that made it difficult and they went above and beyond to help out. I would recommend them to anyone.

We are going through a tough time right now with health conditions for me and my spouse. Lucas was understanding and worked with us allowing us to set up payment arrangements so we can get back on track.

The best customer service professional that I have worked with in my 36 yeàrs. Excellent ànd warm welcome, great knowledge of the business and carries along the client. Makes you feel free and put lots of trust in her.

I would recommend 21st Mortgage. The rate is a little high, but we will deal with it.

Brian called and said, "Well, if we do this, you might be able to get more done." He worked with me to work with me. So, it worked out well. He always got back to me right away. I was laughing and slow at getting things together. I had to install an app on my phone and do a scan for Adobe Scan and send in information. 21st Mortgage accepted some very iffy kind of stuff. But for the most part, everything went smooth.

I was really pleased with Liv and Bridget. They were super helpful and super nice if I could I would only speak to them and no one else. I've had really bad experiences in the past and speaking with them was totally opposite. Thanks ladies!!

Throughout my experience with Jenna ** she has been all around helpful, professional, soft spoken, kind, and understanding. She has made my experience so much easier and because of her I will highly recommend 21st Mortgage

I'm satisfied with 21st Mortgage. The rep was very helpful. The application process was very long, but I understood completely why it was long. They have to make sure they're getting their money but they did everything right.

Was helped today by a gentleman named Damion. He was very helpful and kind. I have been using this come for about 3 years now and Y'all are a great company. Keep up the good work and I hope y'all the best!

21st Mortgage gave me good interest rate and the process didn't take too long. It was only two to three weeks. That was really helpful.

Everybody was efficient. Everything went by very smoothly. It wasn't back and forth. I just gave my paperwork, they approved it, and I kept moving with the process.

The lady that my wife talked to was very professional and helpful. She was real polite and pleasant to talk to. She assisted in making our payment. I don't know what else I can say, all we were doing was making our monthly mortgage payment. The lady said they had a contest and asked us to rate her and her professional conduct.

Appreciate the customer service. Ian was helpful and quick. It was easy to call in and get what I needed taken care of. It gives the feel of a small business that cares about customers - despite the incredibly high interest rates.

I received positive response from the employee. She knew her job and was very helpful to explain any questions or concerns that I may have. We understood as to when the payment would go through the bank. I will check with the bank to be sure the money would be there.

I was having problems with login of my account. I called the number supplied to me (800-955-0021 ext **) in my payment book. I had the pleasure of talking to Natalie, who without any hesitation, got me back online in no time, and answered several important questions I had concerning my account. I am very happy to have gotten Natalie to help me. She is definitely a big asset to the company. Thank you Natalie!!

I needed to talk to someone regarding a homeowners claim and got wonderful service by phone. All of my questions were answered and the lady was incredibly pleasant which never seems to happen these days.

The application process was a piece of cake. There were a couple of glitches with the title itself because of delays on the part of the seller but there was excellent communication. There were prompt emails and telephone calls. My rep Nicki was very easy to get a hold of. I was steadily updated on every move that was made to benefit my closing and loan. I was happy from start to finish and I was very comfortable with everybody I spoke to.

Samantha was kind and professional. I appreciated her not being rude. Past experiences haven't been this way so, a fresh outlook and being kind to people will go so much further. I like when a person used respect and doesn't try to control every word out of your mouth. This is respectful and as I said before, it goes a long way with me.

The mortgage department and 21st Mortgage are very caring people. They help you. They are sympathetic and good human beings. I love this company. Thank you so much for helping me out. May God bless you.

I talk to Emma ** today. She was very helpful with assisting me with my account, I needed to move my bill date. She took care of quickly and sent all the information needed to complete my request, thank you Emma.

Ryan **, Zeb and Ian all helped us out tremendously. We are grateful for 21st Mortgage. These are hard times and I did not feel overwhelmed or intimidated by the above mentioned. They were all concerned and caring to our situation and looked for ways to help us. We are so appreciative. Thank you so very much, Vicki **

Getting a mortgage from 21st took about a month. Their application process was good.

My customer service representative was very knowledgeable and customer friendly. She exceeded all my expectations for my customer care. She was very professional in handle my needs and provided me with a reasonable solution.

I call to make my monthly payment. The representative was very kind and courteous. He was helpful and pleasant to speak to. There was no wait time. He so help with another matter I had. He assured me it was no problem. Thanks for having a very nice staff.

It was the first time I've ever done something like this and it was fine. The application process with 21st Mortgage was straightforward and the online website was simple and responsive. So, I have no complaints there and I was happy it all worked out. The application and underwriting process took about 20 minutes at most. It was a little difficult though to get in contact with people at the office and get a response that same day when I can’t always send emails outside of work. They close at 6:00 Eastern time, which is 3:00 over here and I get out at 4:00 as well as my sister. They could maybe have a helpline after closing or someone else who is able to respond after 3:00 PM. But when they were open, they responded quickly.

Working with 21st Mortgage was amazing. I would send to them what they needed about certain things and the agent would always reply to our emails. It didn't matter if I sent her 15 emails a day. She replied to every single one of them and was so patient and understanding that this is the first time I've been through this process. She was a godsend. I'm happy we went with 21st Mortgage. They're a trusted brand and company. We know the name and that gave us peace of mind at the end of the day, even though we didn't understand some stuff. If we would’ve shopped around and saw an advertisement for people, we wouldn't know if it was real.

Understanding. Willing to help when needed. Will help find a solution to whatever you need and awesome to work with. Willing to listen to you if you have a problem. Outstanding to help with that problem. Just awesome people to work with and and work for you. Thank you so much.

My experience with 21 Mortgage customer service was satisfactory. Ethan was polite and very helpful. Everyone is going through tough times at present and it was calming to have someone like Ethan to help me through each process and options available to us. Thank you.

The customer service was fairly good and the rep was very professional and nice. I liked dealing with him. The only thing was that I wasn't given the necessary steps to go through everything. It seemed like I talked to my Realtor and I had to go back. 21st Mortgage could have been better at having everything lined up for what we were going to go through during the process. It seemed like there was a lot of little hiccups along the way. It wasn’t their fault but it seemed like it could have run smoother. I bought a house before and I didn't have as much problems as I had with this. People should go online and find out what they're gonna be looking for and what they're gonna be asking 21st Mortgage because the process was a little bit different than buying a house.

We had a separate loan for our land and we consolidated it into one loan with our home. The seller was a torture about it. He said there wouldn't be any penalties for early payment yet he tried to make us pay early payments. We wound up paying $4,000 more than our original mortgage after paying on it for five years. He couldn't justify the math and it was ridiculous. But 21st Mortgage straightened it all out and we got out from under it. They worked hard for me. The rep was awesome and he did a good job. He kept us up to date, answered emails timely and called us back whenever he needed to. So, it was great. 21st Mortgage made our life better by helping me get this done. It was a good experience and we're very happy with the service.

I had some things I didn't know but I was able to call and they helped me to go through with a few questions. The loan processor was amazing. Every time I asked a question, he didn't take a long time to answer. I had some problems with some documents I couldn't upload and he helped me with that too.

I just got my booklet last week. It took me two months to get through the process, and 21st Mortgage didn’t make it very easy. They asked me a series of questions, I answered them then we went through the process. I thought I was in the clear, then they came back and said they needed something. They kept asking for the same thing over and over again, just in a different way. I had a rough time, and my real estate lady even told me, “Normally, buying a house isn’t usually that hard.” My sister helped me through this process a lot. If she didn't, I wouldn’t have had this home because I would have given up a long time ago before I got through with it. Kayla was the representative I worked with. I tried to call her several times, didn't get ahold of her and tried to leave messages. I only got ahold of her for another one of the issues that we were having ‘cause there were so many different issues.

Kayla is my account manager and has been so amazing handling our account. She has always been courteous and patient even through my mood swings. She has amazing customer service. I wish all the representatives were as friendly and helpful. It truly makes the experience easier when the representative handles the situation with affirmative action.

I deal with Christina for my mortgage payments each month. She is always pleasant to speak with. When I have had an issue arise and couldn't make my payment at that exact time she handled the matter quickly and smoothly. I don't mind talking with her each month.

The loan officer, Jonathan, was outstanding. He answered all my calls, and no problem. However, our first mortgage payment came on the 1st and we thought we had a grace period between the 1st and 5th. I got a phone call the 2nd, saying, “Where’s our payment?” It would have been nicer if there was a little grace period in between, because we just moved two weeks prior before the closing, so I had no idea that it had to be on the 1st or before. Apart from that, 21st was good.

Gentlemen was very clear and concise. To the point without taking much of my time. Very professional and polite. I enjoyed making my payment with him. He was good in asking if he could help with anything else. He was very helpful in everything I needed help in.

Due to Covid I lost my job and was having a hard time paying my mortgage. I have been disrespected, chastised and treated like crap for getting behind. There was no compassion or understanding. This time my issue was FINALLY solved. Maggie is absolutely fabulous! She is friendly, respectful and so very helpful. She was so patient and understanding. She and Dan worked with me to get my account caught up. I didn't feel judged. They were never condescending or belittling. They were understanding and made it a priority to get me back on track. Thank you guys so much! I really appreciate your help! Maggie, it was so great talking with you. You are an amazing customer service rep! Other representatives need to up their game to your level! Maggie is by far the BEST rep I have spoken to in all of my years with this company! Thanks again Maggie and Dan!

We had our home moved and Emily ** worked very quickly for it being last minute to get everything completed so we could have it moved. She was very respectful and understanding with us not knowing what all had to be sent to her for us to be able to move the home. Thanks Emily and thanks 21st Mortgage!

Everything went smoothly with 21st Mortgage. Everything was easy. The rep I worked with was awesome, very helpful and kept me up to date with everything. I was very happy with the service. I like being informed and up to date with everything that's going on.

I spoke with Jordan and Christian, today. Their professionalism and concern are so much appreciated! Jordan was very helpful and explained things very well to me. When I thought of a question later, I called back and spoke to Christian. He took the extra step to have a supervisor pick up the line to address my concerns. They made what could have been difficult so much easier.

Lucas is always excellent and very courteous whenever I call in. He is always happy to help out and make sure everything is taken care of. Every time I call in I feel like everything was handled perfectly.

Ryan was wonderful. He made the process easy and he was always available, knowledgeable and quick to reply. Even if 21st Mortgage is a company that is out of state, I'm from California and they're in Tennessee, the hour difference was not a problem, because the responding time from the escrow officer at their end made it easy and fast. The communication was always open via email.