RICK IS MY GUY! He has the MOST spectacular customer service I have come across in a long time Thank you RICK!!!

Honesty. We were accused of not paying a couple months of payments and threatened with eviction. We made arrangements to pay a large amount for payment+interest+late fees+ legal fees. We did 3 days in advance. Still evicted. The run around when we called with the proof they cashed it and then hung up on. A family member had loaned the money to us, with a check that had a tracker on it. The bank had it investigated and my family member got a check back in full, but I still lost my home and now have bad credit. If I could give a negative review I would. read more

If I could give them a negative I would. Staff is okay until you speak to that supervisor. Then it becomes a situation where they are not understanding and rude as can be. I'd rather deal with the devil. I have asked them in the past to work with me because they claim they will... Yeah that "we will work with you" is a load of lies. That becomes a "borrow money from anyone. Steal from a bank. Sell your spouse. We don't care nor will we work with you." DO NOT GET IN BUSINESS WITH THESE PEOPLE. They are worse than awful. They do not care. They lie to you constantly saying you either made this promise verbally (that was a huge issue) or that you refuse to speak to them although you just spoke to them a week ago. Once you chew them out for LYING they will apologize and state, "oh now I see that. My bad but we have already started the process to foreclose." Less than 2 months behind. Doesn't matter your situation. They will gladly say they come first. When you try to plead with them, they will then state, "it was all in the contract you signed. You are the one breaking the agreement." Life happens bone head...even if it's divorce they still do not care. They would probably tell you to stand on a street corner if they could get away with it. Pure evil monsters. read more

This company is by far the worst mortgage company I have ever dealt with in my life. I have purchased three homes in my life and the customer service at this location is by far the worst. Ryan Dooley is probably the worst rep that this company has I wouldn't recommend him for anything whatsoever. I will be calling the Better Business Bureau because I was duped by this horrible company and I'm going to sue them. read more

I have my mortgage with 21st Mortgage and I have always been pleased with their customer service. But, today, Elise Strickland, in the insurance department, exceeded my expectations. She was not only helpful, she was looking out for me and offered guidance clearly on what my next steps should be. "5" stars isn't enough to give Elise. She was super! read more

21st mortgage is the worst banking Iv experienced. I spoke with team leader Luke at the 1-865-523-2120 location and he was very rude. It was 6 days after due date and he demanded I make a payment that day. He did not ask me for one he demanded. I told him I had to finish up some Christmas and he said you mean you put Christmas before your payment? He made several other comments that was none of his concern and he would not have said those things in person. If I known the company would call the day after a payment due then I would have never went with this company. Very poor management and skills with people. Hope this helps. Sincerely Jordan read more

I just wish there were more lenders to chose from. This company does not care about its customers.

Worst Company Ever. Lost my buyers their earnest money because they required a spouse to sign to purchase a home, which is not required in Texas. They informed us on that ONE DAY before closing. Deal falls through, my buyers are basically homeless now because of this company. Insane how they are even still around. If you ever deal with Brittany Jeffers, RUN AWAY!!!!!!! read more

This place has the worst customer service I've ever delt with in my life. I'll chose Wal-Mart customer service desk over these guys. They are rude and obnoxious, they'll ask text you 20 questions before you can even answer the first one, it seems as if everybody over there talks over you, and reacts as if you are beneath them or something. I have never seen a place that will call you before your payment is due, after your payment is due and question you about when will you pay the following payment for the next month and the next month haven't even gotten here yet. The most rudest experience I've gotten was from a female worker that works there who had the audacity to tell me that my wife and I needed to learn how to communicate better and maybe we should have marriage counseling. I really can't wait to be completely done with this company. read more

Since I have to put a star, it's one, I would put 0 . Worst mortgage company in the history of mortgage companies. I had to file for disability so my payments have been 10 to 15 days late, they treat you like a criminal. Refused my payments several times, been hung up on, I mean really you're not going to take my payment because I won't tell you how I got it, none of your dam business. I paying it so we're does it matter who or how I got the money. This company has the worst customer service of anyone I've ever had to deal with. I DO NOT RECOMMEND THIS COMPANY AT ALL. IF YOU HAVE ANY OTHER OPTIONS GO WITH THEM. read more

They harrasing you even you pay before the 15th every month. Rude, I got so stressed out after talking to a guy. I felt attacked and stressed. Someone needs to check on this company seriously. read more

We applied for a chattel loan and was told we needed to fix our DTI and bring in at least 5%, we did and asked for a relook. Were denied again because we now needed 35% for a smaller loan and it was also noted that it was denied in part because they were "Unable to finance collateral located in ineligible community, co-op. PUD, with this Retailer". Truly disgusting how they treat people and very difficult to work with. I have not heard a single kind word about this company after doing further research into chattel loans. They should be ashamed. The number of excuses and errors we had to correct alone should have been a red flag to back out of this transaction. It's hard enough to find a chattel loan provider and this company clearly knows that and does not bother to improve their process or invest in their customer service/team. read more

I wouldn't use this loan company. I applied and they first accepted me but then rejected me so I wrote a letter to the CEO of the company as to why I was the perfect applicant (my credit scores were great, I had 10 times the amount or more money in the bank then the loan ) so they accepted me only to reject me a few weeks later again so I paid cash. These people don't seem to know what the left hand and right hand is doing. I see they have more bad reviews as well. Don't do it. You'll be sorry. read more

I don't think I can use this company anymore for manufactured homes. They pre-approved my buyer.. and they had sufficient documents and income. Even more than the last buyer I had. But they denied her when we were in the middle of due diligence period. I they claimed they only were making $1200/ month when the tax showed $52k/ yr. I asked them to show me on the tax returns where it shows that and they refused. I believe they discriminate on certain races. Definitely do not work with them or you'll regret it. Trevor was the person we dealt with over there. Bad service. read more

If I could I would leave no stars. This mortgage company is the epidemy of too many cooks in the kitchen. No one knows what the other is doing, no notes are there for reference of business dealings. A really piss poor way to run a business. I paid off my mortgage the end of June, and have a $948.35 escrow refund due me. I called as they instructed after the pay off to make sure the payment went through and to let them know I wanted my escrow refund along with my title and to make sure they have the correct mailing address. I called and they tried to pay the insurance 5 days after I paid off the mortgage. I told them if it hasn't been paid by the day of the payoff to not pay it I would find cheaper insurance. So needless to say I called back and they paid it and said I still had a balance. I said NO you figure this out, cancel that insurance and I also called American Modern and cancelled the insurance to make sure it was cancelled because you can't rely on them to take care of anything. I was sitting here July 11th thinking I should be getting my title and escrow refund any day now, nope, they called and wanted to know when I was going to make June and Julys payment. You have got to be kidding me. So I let the man know that it was paid off June 25th in full. The insurance was cancelled June 25th and I am expecting my title and $948.35 of escrow money back immediately. I am sure I am going to have to spend the month fitting this to get what is mine back and my title. I do not recommend going through them at all because like I said the right hand doesn't know what the left hand is doing and too much miscommunication. read more

To whom it may concern, Only 8 months ago my girlfriend and I made one the best and happiest decisions of our life, we bought our first home together. 21st Mortgage was our financial institute of choice. Over the months we have always had on time payments to you, all the while spending any extra cash on all the much needed home renovations (the previous owner was an animal hoarder with over 50 barnyard animals inside). Then the COVID-19 pandemic hit. We live in Los Angeles and both work in the totally shutdown, entertainment industry. We are only a couple, of the millions of Americans suffering right now. And with a stimulus check (equal to only 1 months rent in CA) and unemployment still weeks away, we are dreading the beginning of the month and the looming financial issues that follow. We were a bit relieved to see the CEO's note on your website about your company's understanding and ability to work with people whom have been affected. However, that is not at all what we received after speaking with your operators and managers when calling in. After being told by the operator, Dalton, that you offer NOTHING in terms of support for victims, he went on to threaten foreclosure because "we are an independent company" and basically do not have to follow the guidelines of the federal government, concerning evictions and foreclosures in these tough times for the American people. I was shocked.... "but your 'letter from the CEO' was so convincing. After being bluntly disrespected, I was forwarded to an upper manager whom simply parroted the un-sympathetic response of the operator. No waved late fees, no adjusted payments, no deferring to the end of the loan. Only pay by the last day you can (April 17) or else. This is NOT assisting those financially impacted by this viral pandemic... words promised from your CEO. It is disgusting the way your company is handling this situation. Anyone whom is currently involved or will be involved in the future with your company should be made aware of your response to these extreme nationwide circumstances. Just to be clear, we understand the government is sending stimulus checks, we understand unemployment and additional benefits will be available. We are not trying to collect money and not pay our debts.... but that money is weeks away and our payment is due in days. And let's not even think of next following months after April, with no one-time stimulus checks coming. You should be ashamed of the way your company is handling this national tragedy and the American public should be made aware. Sincerely, A few of the many- Aaron & Autumn read more

21st Mortgage - Letter from the CEO and their offer of "assistance" - Mortgage Lenders Near Me

This is an excellent company, and the only mortgage company with which I am familiar that does not make you feel like a number. My mortgage representative, Tyler, has been tremendously helpful over time, especially when life circumstances were tough. I'd give more stars if I could to Tyler. read more

WORST COMPANY EVER! Customer service awful and rude, they think they own the company and They threaten their customes with repo when you want help to make payments and get back in track. BE VERY CAREFUL CHOOSING THIS COMAPNY FOR YOUR HOUSING NEEDS read more

I want to start off with not all of their employee's are rude and disrespectful . Percentage wise I would 98% need to be retrained or just flat out fired. Out of respect for the employees that were professional polite and have a good sense of humor and understanding of the client ,I give one star to the employee not the company. To start with despite having well beyond the credit score required and ample income, we received not one but Two "yes we will give you the Mortgage" than after putting the down payment, and 15 days later we received denial notices. We called to see what the issue was ,and contacted the people we were purchasing the home from told them to stop all transactions. We also Told them why. We were professional, polite with their customer service however when the circular logic started we held firm still being professional and though difficult considering how we were being talked down to the sarcasm and unnecessary comments about our chosen professions. We were hung up on three times. At the fourth call we simply stated we expected our money returned with in the contract time. At this time were told they had no records of previous calls (suspicious) and that our loan had been approved. We were skeptical however we went ahead with the proceedings. Moving forward a year and half. While going over our books we noticed that they check for the Mortgage had not been cashed we called them. They said they never received it. We made a One time payment over the phone. This happened a few months later as well again we called them. Each time we informed them that the checks would have a "stop payment on them" . We not only called but sent a letter to the post master general to let them know that the checks were not being received to 21st Mortgage. Mind you we also started watching our account thinking that the checks were being stolen out of the mail box despite it being one that locks. Who is at fault, 21st Mortgage or the Post Office, Is someone actually stealing these checks? I am not sure however what I do know is this; This year again the check never got to them only this time they called us. I made it clear I would make a 1 time payment via phone and like the other two checks a stop payment would be made. That they were not to cash that check, should it make it's way to them. I also mentioned to them that it is ONLY their check that was coming up missing, before I completed my statement I was interrupted and told it happened with the post office all the time. After he said this I continued my statement. I told him I had talked to others who have said the same thing, Their checks were just not getting to 21st Mortgage and that they had also made complaints, and thought it was odd that it was just the checks to 21st Mortgage that never made it to their destination and That they felt it was a way to make them use the preferred payment system. So just in case I let him know they should do an investigation on their internal mail room. Because it is suspicious that it is only the check written to them that never gets to the necessary destination. HE started to wish me a good day, However before he hung up I wanted to verify with him that the payment would show on time and there would be no negative remarks or late fee's. He assured me this was true. There would be no late fees or negative remarks. It has been three weeks. THEY TRIED TO CASH THE CHECK!!!!!!! I called the bank the second that I saw it was posting. She explained it would be denied and sent back to them. Will I be charged more fees by them? That remains to be seen. I will be calling them as well to discuss the issue with them. I am only presenting what I know, 1. Multiple checks have come up missing. 2. It is only checks going to 21st Mortgage 3. They attempted to cash a check that has a stop payment on it and they were aware of it. 4. Payment was made via phone. 3 weeks prior. IF you are having similar issues I urge you to contact both the Post office general and Your mortgage company as well as your bank make sure all are aware of the issue and watch your bank account! Because there is a definite issue. Yes, I know that people are stealing checks.(we drop our mail at the post office, we Stopped using the mail box at our location after the second check to 21st mortgage went missing as a precaution) I also know they are stealing with much less effort peoples bank accounts with scam calls emails and text messages etc. is There is no safe way other than paying in cash getting a receipt at the company? At least you would be on camera as being there physically handing over monies getting a receipt, Perhaps that will be the next step. I will look into it. Many blessing and good luck to all. read more

One would think that given who owns this crappy company, they would have a better website. It consistently has issues, and when you try to make a payment online, their website doesn't work and then they blame you for their shortcomings. Someone should honestly come up with an honest, customer oriented, mobile home lender. This one is all about greed and poor service. read more

If I could give them zero stars, I would! As a Realtor I deal with banks all the time and I can honestly say dealing with 21st was the worst lender experience I've encountered in the 10+ years I've been in real estate. They hired an appraiser and then argued with his valuation. However they had no information on why they felt the value was off. They ended up shooting themselves in the foot and ultimately costs themselves over $100,000 in loss on that one account. How this company is still in business is beyond me. I'm honestly surprised that there's someone working there who's smart enough to figure out how to unlock the door each morning. read more

21st Mortgage is sending harassing debt collection calls to property owners in the Asheville/Arden, NC, area after the devastation of Hurricane Helene. I called and asked why are they harassing people who had lost everything. I was met with laughter, racial slurs, and a very much lack of empathy towards their customers affected by the devastation. Please be aware do not do business with this company. They are taking advantage of people who have lost everything read more

extra high interest rates, horrible customer service, better NEVER be late on a payment for ANY reason! horrible experience to even get the loan in the first place. had to change which manufactured house we got 2 days after we got preapproved, and they added 1.5% to the interest rate for 2 day delay! read more

No Spanish speakers! Everyone is super Rude and irritant. read more

Let me add to people that have a problem with 21st mortgage. I made payment arrangements with Thomas and the supervisor that he put on the phone and just now I spoke to Thomas and his supervisor Austin and now he is not honoring that arrangement and now he is saying that he wants a payment now in 4 days. That Austin was very rude and unhonorable. Make sure that you get any arrangements in writing. read more

Wow worst experience ever with a mortgage lender. Let me start off with saying that I am under contract with a home right now and because of their dishonesty and deceit I will be losing the house I had been waiting so long to get because of the coronavirus pandemic and all the mortgage lenders tightening their belts. I have great credit 740 I have a large down payment with a zero debt. These people told me my interest rate would be 6.30 and said I did not need to verify that I was working they just needed W-2s from the past couple years to start out. I thought that was great and thinking the interest was high because of them not being able to verify my income at the moment I decided to go with them. I ended up getting a job anyways in the state that I'm moving to a driving back and forth from Vegas to Arizona all for them to tell me that my loan application has been denied based on my verification letter that I work so hard to get them How on Earth is someone denied when they are making well above the mortgage payments with beautiful credit and a big fat down payment ???? something is just not right and doesn't add up! You lied to me and wasted my time from the beginning and now I have to pay the price for your dishonesty !do not go with these people it's really messed up how they treat people. By the way I spoke to other lenders and they all verified. The interest they were charging me with outrageous and my numbers looked way better with them so thank you 21st Mortgage for wasting my time . At least now I have found someone that will treat me right! read more

I talked to Lindsay today about I'm out of a job for the next 60 days at least. She is extremely rude and not understanding. Everytime I call they are just plain rude. What ever happened to people being understanding? I'm not trying to not pay mortgage, I just need them to work with me. I AM NOT WORKING PER THE GOVERNOR OF LOUISIANA! What am I suppose to do? Do I not pay and lose my house? I just needed someone to listen and not act like a jerk. read more

21st Mortgage - A letter from the CEO of 21st Mortgage - Mortgage Lenders Near Me

My husband and I got Covid and was in the hospital for 3 weeks and 1 months at home, so lost our jobs so we couldn't call them right away til we were better. When did call they were very rude talked to several people (Adam, Matt, Dan and Amanda) very very telling us to manage our money and it wasn't their problem we were sick. So some advice just STAY away from them they don't care of your situation. Not to mention we have always been on time with our payments til we got sick. read more

Worst mortgage company I've ever had! They could care less about you, your family, or whether you're dying! Just want that money! Supervisors are apathetic toward anything you have to say, and act like they're above you! I hope the company goes broke and those idiots have break big rocks into little ones! Grat way to treat a disabled veteran! read more

Ryan Doolan is extremely disorganized and will be dishonest with you in order to get you off the phone. Is seems obvious that he is only interested in meeting his quotas and earning his percentage from loan approvals. He is not interested in helping people nor does he provide any personalized service to his customers. read more

Co-applied for a loan with my son to help him and his new bride get on their feet. My credit rating is excellent and his is good. Neither of us have any bad credit, he's just young and hasn't established enough credit yet. 21st Mortgage denied the loan and refused to give a reason. When their web portal wouldn't show the reason, I called and was told it was my computer. I had already tried multiple browsers. Their solution was to try to log in again at 6:30, because they close at 6. Find a real bank to do business with. read more

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. read more

get people that has customer service experience and not rude to everyone despite their issue! seems like all they have working there is rude people and their website says if you need to make arrangements to call i've done that and they told me they don't care to make my payment or go homeless it's my choice all because my boyfriend has health issues that had him off work cause if he would work while healing he would make the issue worse and have his leg amputated read more

very rude people. dont waist your time speaking to Hannah. Very direct and no empathy. cannot believe i was even reffered to them by manufacturer. please find anyone else to deal with. read more

I can not reccomend these people...they are extremely frustrating to deal with. I keep my account paid a month in full ahead of time and it's a constant battle even after making sure I call in EVERY SINGLE MONTH and specifically state how I'd like my payment and the overage applied. Unless you are paying the bare minimum DO NOT SET UP AUTOPAY!! I've been fighting these people for 5 years now. I suppose they don't like it when you pay them early. I will say mostly the customer service is polite but that's it. I'm waiting for a call back now actually after the 2nd time I've this week trying to get them to correct the payment I made 2 weeks ago. Now the payment I've already made is coming due because they choose to apply the whole amount to principal. Don't risk hurting your credit with incompetent people...look elsewhere for your mobile home financing. . read more

Dealt with these Assholes for 3 weeks with No loan. Always an excuse that they wanted more documents of proof even though they had them Telling them we would put more down on down payment still denied. They wouldn't accept my other half income. They have NO CLUE ON WHAT THEY ARE DOING. DON'T RECOMMEND THEM. VERY HIGH INTEREST RATES THEY CHARGE I GIVE THEM AN "F" read more

I would be careful. I had a pre-approval letter from them and signed a purchase agreement only to have them deny the loan at the 11th hour and I mean it was after a few weeks and a lot of work by me and the agent. On top of that, I negotiated to pay more in exchange for the seller doing certain things in the house like putting in new carpeting and supplying a washer-dryer set. After 21st pulled out of the agreement, I was stuck with that purchase price. I only did that to meet the loan minimum. In other circumstances, I would have offered a lower buying price and fixed these things myself over time. It took three weeks and a lot of effort to only be finally denied by 21st after getting pre-approval and 20 minutes to get a different loan. I was completely honest in my application and they came back saying I had too many obligations. I assume they are talking about business expenses. Had they asked, I could have explained my business expenses are flexible. I am self-employed and create expenses to bring my taxes down. For example, I might spend 2000 dollars to visit an art gallery in NY and meet with the curator (I'm an artist). I could do that with Skype and not spend travel money but I don't because it is a good business expense. Business expenses are entirely my call. Don't rely on the pre-approval letter when making a deal. If you are buying a lower priced mobile home, try for a personal loan first. These guys don't deserve your interest money. read more

John MacGuire has made the lending process very smooth and easy for my wife and I. The communication given by John MacGuire to us, was prompt and very efficient. John kept us well informed through out the process. To say the least, our experience with 21st Mortgage was wonderful. I would highly recommend John MacGuire and 21st Mortgage to service your home lending needs. Best Regards, Tim and Linda Glennon read more

Horrible service. Phones don't even work. And there rude. Don't waste your time cause they like to waste your time.

I so wish I could give a zero rating. The customer service agents are the rudest and nastiest I have EVER encountered. I highly DO NOT recommend anyone use this company to finance your home! NEVER AGAIN! BBB rating is next! read more