21st Mortgage Corporation

This is by far the worst company I have ever had to deal with. The customer service is horrible, as are the workers, especially Matthew. He doesn't know me, yet he had the audacity to be rude to me. I work in customer service and I wouldn't recommend this company to anyone; their behavior is unacceptable. I wish I could go elsewhere. It's a shame how they treat their customers, so to anyone considering this company, please don't.

Horrible place. They make you pay for a home inspection but don't even consider it. We got approved and everything was fine. The inspection came back great, then they had their appraiser go in and appraise the house for $5,000 less than what the offer was, picking apart things that were fine in the home inspection. Then they turned us down because of it. It cost us over $1,000 for nothing. Don't waste your time on these people.

I was really hopeful about getting our new mobile home through them; however, it started off with the team mapping my husband's commute to work (we live with my mom, bought land with nothing on it, and needed a home on it before we switched jobs). They then said his commute would be too far and would not allow him a reasonable income to pay the loan (the commute was an average rush hour commute). We provided them with a letter stating my husband could transfer locations at his current job upon the delivery/build of the home. We were denied again unless we had a $53k down payment, which is not attainable at this moment in time, and we had made that very clear. Preston was rude and condescending, accusing me of being ignorant when I expressed that my husband's commute is really not anyone's business as long as he has a job. He repeatedly referred to Google Maps, and for some reason, they would only count $1350 of my husband's $6000 income and then deny us because our income is $1350 when in reality, we make much more.

The whole process has been dreadful, and though I'm sad we cannot purchase our home at the moment, I am relieved we avoided further issues.

If I could go back in time, I would never have bought my home with this lender. They have aggressive collection tactics, calling you the day after your due date and calling nonstop, despite the fact that they have your payment schedule right in front of them, which shows when your paychecks are received. If you have anything come up, such as a health crisis, they show zero empathy or concern for your situation. I have owned three homes (this is my fourth) in my lifetime. Not once was I ever treated as poorly as I have been with 21st Mortgage. If you are considering them as your lender, find another source. They are horrible.

My experience with 21st hasn't always been the best. Over the years, I've found that if you're in a tough spot and can't make a payment, the representatives aren't always friendly or understanding. But today, I spoke with Henry, and he completely changed my perspective. He was patient, respectful, and by far the kindest representative I've spoken to in the last five years. If more people at 21st approached customers the way Henry did, the overall experience would be so much better. Shoutout to him for treating me like a person, not just an account.

Very poor customer service. We obtained a construction loan to place a manufactured home on our property. They were one of the few options available to us, but we intended to refinance with the VA once everything was in place and construction was complete. However, 21st refuses to retire the DMV lien on the manufactured home until the loan is fully paid off. Other lenders won't grant a loan without the DMV title lien being released/retired. I attempted to get terms from 21st to refinance because we sold another property and significantly paid down the loan. We wanted to lower our monthly payment since I'm about to retire. 21st won't quote us their terms using a soft credit check, which is standard practice with other lenders. A soft credit check does not affect the credit score. So, there's a catch-22; if we apply and don't like the terms, our credit score is negatively impacted and could cause us to get less favorable terms from other lenders. Our advice: avoid 21st like the plague.

I called about an escrow check that I mailed back to see if they received it. I had the pleasure of talking with Drew Paskel. I was very happy with how well she knew her job, and she answered so many questions for me. I feel there should be more people like Drew working in companies who know their job well. When I got off the phone, I felt that I had learned more about escrow than I knew before. Thanks again, Drew Paskel, for all your help; I hope she goes far in the company.

If I had known ahead of time that this company's customer service was uncivilized and unprofessional, I might have thought twice. Whenever Johnny N. would call me, he used my first name as if we were friends. In November of last year, my husband and I were struggling to make payments. Meanwhile, my husband couldn't answer his phone due to the 12-hour shifts he worked. When I answered my phone to Johnny, he interrogated me about our payments and our struggles stemming from an unforeseen medical diagnosis and medication for my husband. It seemed as though some people might plan for such things, but we had not.

One Sunday evening over Thanksgiving weekend, Johnny called and my family van relayed the message that we were not at home. Despite this, he proceeded with an insulting and belittling lecture while my adult children and teenage grandchildren shouted to hang up. My grandson remarked that he sounded like something out of a horror game.

From that point on, I stopped answering my phone and began to email Johnny. Though I suspect he never read the emails, he started sending me messages and mail about foreclosure. Thankfully, by the grace of God, I managed to pay the three months' arrears. However, it was only after repeatedly asking if I could just make the payment and being transferred to another department.

Now, in April, my payment was in the account, but it was declined on the 11th, and I thought the payment would be processed on the upcoming Monday. Assuming everything was fine because I hadn't heard from them, I later checked my account only after Johnny inquired about the declined payment. I informed him that he had no right to know about my bank account details. I was firm in telling him that I would make the payment immediately or otherwise, I would hang up and seek legal counsel.

I did file a complaint with the Better Business Bureau, but it seems making a complaint to this company is pointless. So it's time to consider legal action. I am done with this company, and yes, I was unable to make my payment due to the circumstances. I am very displeased with this company. I have never dealt with a financial institution that demonstrated such a lack of manners, poor breeding, and ignorance in handling customer service in my entire career in customer service.

This bank is extremely frustrating. It is quite difficult to satisfy their requirements no matter how clearly you present everything. I would not recommend them to anyone. Now I understand why they have only 2.4 stars in reviews.

I was well pleased with Michael Rodriguez for being courteous and knowledgeable during his assistance during my escrow phone call.

They raised my monthly payment by $68 with no explanation. Today I received a notice from my home insurance that the premiums are not being paid. What is 21st Mortgage doing with the payment? This company needs to be investigated.

I'm going to leave a 1-star rating until we get this finalized, unless I choose to go with another lender. So far, this process after being approved is a pain in the neck. I have bought two houses; the least expensive was twice the amount we asked for, and the other was a half-million-dollar home. I had no problems at all getting these loans, and it was painless! The headache of the information they ask for and then question it is just not working for me. I will see what happens in the next couple of days and will more than likely go elsewhere.

Sent in a money order for $687, trying to say they never received it. I tracked the money order; I know for a fact they received it. These people are scammers.

If I could give a zero review, I would. This company is terrible! Every employee is rude. I asked for my account number and the man, who is the supervisor named Austin, rattled it off so fast that I didn't have time to write it down. When I asked him to repeat it, he said, "I already told you," but here goes, and then he said it again too fast for me to write down. I told him I didn't have a pencil in hand. After I finally wrote the account number down, I told him I'm going to try to figure it out. He said, "It's your house; figure it out," and then he hung up on me. I have 10 years of experience in customer service and sales. These people do not know how to communicate with customers. They don't care about you and what's going on in your life. I'm pretty sure this company's motto is to get money at the expense of people.

John at 21st Mortgage provided exceptional customer service and professionalism throughout my experience. He was attentive, knowledgeable, and always quick to respond to my questions, making a potentially stressful process smooth and hassle-free. John went above and beyond to ensure I felt confident and informed every step of the way. I highly recommend him to anyone looking for outstanding service. Thank you, John!