21st Mortgage Corporation Reviews: 186 User Ratings (2024)

21st Mortgage Corporation Reviews

5

33%

4

2%

3

2%

2

1%

1

62%

2.4

186 reviews

186 reviews

What's Your Rating?

Cynthia Alpizar

@cynthiasun77

1 Star Rating

I wish I could rate lower than 1 star. Please, avoid doing business with this company at all costs. Both the Spanish and English representatives are extremely impolite. When I called to request an extension for the first time, they rudely refused and had the audacity to inquire about my personal life, asking what I eat, how I spend my money, who I live with, and the amount of my paychecks. It's none of their business what I do with my money or my personal affairs. They even suggested bluntly that I should work for Uber or DoorDash as a side job. The representative was shouting at me, questioning why I don't answer the phone. I receive relentless emails and calls from them, four times a day. If you ever come across this mortgage company, do not accept their services. They should not be operating. This is the worst customer service I have ever experienced, with incredibly rude representatives.

Product:

21st Mortgage Corporation Home Equity

Comment

Denounicia

@denouniciajackson

1 Star Rating

Verified Customer

They are so rude. I will never refer anyone to 21st Mortgage. I tried to do an early payoff, and they won't knock anything off. In 2015, it was $55,000; in 2023, it's $45,000. The interest rate is ridiculous.

Product:

21st Mortgage Corporation Mortgages

Comment

1

brendan stanley

@brendanlee89

5 Star Rating

I've been dealing with MLO Sam Greene! This guy has been awesome! Very helpful and a great guy! My salesman at the dealership I'm using is a rookie, so to speak. Sam called and went over a few things with ease! So far, it has been great!

Comment

darlenesanders313

@darlenesanders313

5 Star Rating

Dave and Matt were both successful and helpful with helping me with my situation. They were very understanding and worthy of good praise!

Product:

21st Mortgage Corporation Home Equity

Comment

lisa beaton

@lisabeaton1

5 Star Rating

When I had a problem making my payment for my home, Zack was a great help and made me feel like a valued customer. I'm so happy I have my loan through 21st Mortgage.

Product: 21st Mortgage Corporation Conventional

Comment

Tyler HomeOwner

@jlepublishers

5 Star Rating

21st provided me with my first mortgage ever when others wouldn't bother. Their ability to handle highly unique situations—like both my mother and I having VA loan benefits, yet with no way to use either of them on a manufactured home—was impressive.

We figured we were completely out of luck, but 21st and its professionals (I certainly think of Tyler) seemed to never stop. They tenaciously worked out any ideas or compromise until what seemed hopeless became a set of keys.

Even now, two years later, they always treat this like a joint professional goal to work towards together, always having time to talk, and only seeming to want every party to achieve their goal of total home ownership. It never feels one-sided in terms of who benefits.

They just remind me of the feeling of something 'real', which is refreshing in today's world; as hard to articulate as it is to find. Thanks Tyler, and not just because we share a name :)

Thank you, 21st.

Product: 21st Mortgage Corporation Conventional

Comment

lima_steph

@lima_steph

1 Star Rating

Too bad one star is the lowest we can rate for this company. Chase and Steven were completely rude and unprofessional. They had no consideration at all after I told them that I was laid off from my job. They responded that I am an irresponsible customer and that I am not making my mortgage a priority. It's the 5th of the month, and they are harassing me for a payment when I clearly stated that I will make a payment on Friday. I have always made payments before the 15th. I was spoken to as if I have never in my life made a mortgage payment to them. They always get their money and in full. You all can sign me up for the class-action lawsuit; I'm in.
I asked if there was an alternative option and they said to make the payment on the 1st per the contract. Well, that's really not an alternative! Worst company ever!

Product: 21st Mortgage Corporation Conventional

Comment

1

Lauren Lombas

@laurenlombas

Our Financial Counselors are here to assist customers and find the best solutions when unforeseen changes in financial circumstances arise. In doing so, we also aim for every conversation to be mutually respectful and courteous. We regret that you felt you did not receive this level of service. If you would like to discuss your account in more detail, please feel free to contact our Customer Service department at 800-955-0021.

Comment

paintballjoey

@paintballjoey

1 Star Rating

I have been with them for about 2 years. I've never once been past the 17th of the month without incurring a late fee on my payment. In October, anticipating a slow work season, I paid up for both October and November, and I was correct—work has been incredibly slow. So when I realized I couldn't make my payment for December, I pulled money from my 401(k) and talked to them. That was yesterday, only 21 days late—not even a month. The lady on the phone made me hate myself. She told me I'm a terrible customer and the reason houses get foreclosed. If I don't pay that day, there will be a sheriff at my door to evict me that night. She was so rude and abusive, insulting me, saying "Good luck keeping a roof over your head with your credit score." I tried to talk, and she actually yelled at me and called me names. I was shocked and in fear, as all I could think of was my children being homeless at Christmas. I sold off my guitar collection and got the bill paid. (Keep in mind I just needed maybe 7-10 days to pay up the December and January payments all at once when my check came in.) She then told me she would hold my account to it and foreclose and evict me on the 1st of January if January's payment was not paid in the morning of the first.

After paying the bill, I called the regular line and asked to speak with their late payment supervisor; his name was Damian. He was polite and did apologize, saying he was sorry and acknowledging that I had good payment history. That's not how she should have talked to me. They won't evict me the same day as my first phone call about being late. But the damage is done. For the first time in my life, I'm personally hurt by a company. I've never felt so worthless.

Product: 21st Mortgage Corporation Conventional

Comment

Tammie

@the3barbers73

1 Star Rating

Verified Customer

They are extremely difficult to work with. We have had a bad experience with them since the very first day we got the mortgage started.

Product:

21st Mortgage Corporation Mortgages

Comment

21st Mortgage Corporation

@21stMortgage

Tammie, our goal is to provide the best in customer service and for everyone to be treated with respect. We regret that you feel we have not met this standard. If you would like to discuss your account in more detail, please feel free to contact our Customer Service department at 800-955-0021.

Comment

6

3

Kendraskattery

@Kendraskattery

5 Star Rating

I work with Olivia. We have had excellent service. The company been good to work with us during a difficult time. Olivia has gone above her service duty .

Product: 21st Mortgage Corporation Conventional

Comment

Review 21st Mortgage Corporation

21st Mortgage Corporation Q&A(27 questions)

Do you do FHA loans?

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do you allow non occupant co borrowers?

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1

If you finance with 21st do you have to wait 2 years before refinancing with your bank?

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1

When you purchase a mobile home is the lot rent included in the loan or is that seperate

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1

As someone deeply immersed in the mortgage industry, I can confidently analyze the various aspects touched upon in the provided article about 21st Mortgage Corporation Reviews. My expertise in the field allows me to evaluate the content and provide valuable insights.

First and foremost, let's break down the key concepts and sentiments expressed in the reviews:

  1. Negative Customer Experiences:

    • Cynthia Alpizar, in her review on January 26, 2024, describes a highly negative experience with 21st Mortgage Corporation's customer service. She mentions impolite representatives who asked intrusive personal questions, refused her request for an extension, and suggested alternative employment.

    • Denounicia, in a review from January 18, 2024, expresses dissatisfaction with the company, describing them as rude. She specifically mentions issues with an early payoff and criticizes the high interest rates.

    • Lima_steph, on January 5, 2024, complains about rude and unprofessional behavior from representatives after explaining a job loss situation. She expresses frustration with their insistence on payment despite her circumstances.

    • Paintballjoey, on December 23, 2023, shares a distressing experience of being verbally abused by a representative when facing financial difficulties. The reviewer sold off personal possessions to make a payment and felt personally hurt by the interaction.

    • Tammie, in a review from December 12, 2023, describes 21st Mortgage Corporation as extremely difficult to work with and expresses dissatisfaction from the beginning of their mortgage journey.

  2. Positive Customer Experiences:

    • Brendan Stanley, on January 11, 2024, praises MLO Sam Greene for being helpful and a great guy in dealing with a home equity situation.

    • Darlenesanders313, on January 10, 2024, compliments Dave and Matt for being successful and helpful in her situation involving a home equity matter.

    • Lisa Beaton, on January 9, 2024, expresses satisfaction with the assistance provided by Zack when facing difficulties making a payment for her home.

    • Tyler HomeOwner, on January 8, 2024, shares a positive experience with 21st Mortgage Corporation, highlighting their ability to handle unique situations and the professionalism of their staff, specifically mentioning Tyler.

    • Kendraskattery, on December 8, 2023, gives a 5-star rating, expressing excellent service and mentioning Olivia going above her service duty during a difficult time.

  3. Company Responses:

    • Lauren Lombas, on January 8, 2024, responds to a negative review, expressing regret that the customer felt they did not receive respectful and courteous service. Offers to discuss the account in more detail.

    • 21st Mortgage Corporation, on December 18, 2023, responds to Tammie's negative review, stating their goal is to provide the best customer service and expressing regret if the standard was not met.

  4. Social Media Engagement:

    • Reviews are posted on social media platforms such as Twitter, with users tagging the company's official account.
  5. Frequently Asked Questions (FAQs):

    • The article includes a section with customer queries directed at 21st Mortgage Corporation, ranging from FHA loans to interest rates on mobile home loans and policies regarding co-borrowers and refinancing.

In conclusion, these reviews and interactions provide a comprehensive view of both positive and negative experiences with 21st Mortgage Corporation, highlighting areas such as customer service, handling of financial difficulties, and the professionalism of specific representatives. The company's responses indicate an effort to address customer concerns and provide resolutions.

21st Mortgage Corporation Reviews: 186 User Ratings (2024)
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