21st Mortgage Corporation Reviews

There were a few things where I would send paperwork in that they were looking for, but it wasn't what they were looking for. They could have been more patient with us. And knowing that we lived in Arizona, reached out more to us. Because when I would send paperwork in, I would look on our website to see if it was looked at or accepted. I would have to call days later and be, "Did you guys get this paperwork?" And they'd be, "Oh, yeah, we got it. We're just going ahead and looking over it." "Okay. I wish you guys would call us." Because we would sit here looking at our website and it would not go through.

Sometimes, I wouldn't get ahold of anybody. Most of the time, just our guy who we dealt with would be out of the office. And he dealt with first time home buyers, so he should have taken his time a bit more to explain a few things to us. It would have been a lot easier for us to get the things that he wanted done quicker. But I get it. We were first time home buyers and just trying to get the first home done. But once we got the paperwork in, and everything was good to go, we hit the ground running. It was easy.

I did a lot of phone calls and a lot of emails with Drew and with his team, and emailed or logged into their website to upload the information. There were some things that I could not upload to the website, so I sent them to Drew at what I thought was his work email. And he said, "Don't send it to this email. It's not secure. Send it to the other email." And I kept losing the other email. He would put what I sent him on the website for me. Although there were things they asked for that I could not upload directly to the website, the website helped me keep track of what they needed and when it had been submitted, and was I sure I submitted the right one, "Wait a minute. Was that the right paper?" Go back and look at what I submitted, go, "Yeah, that's the right one” or “no, that's the old one. Let me give you the new one." So, the website was easy to use. It was very helpful.

When I had questions, Drew was marvelous and he'd say, "Let's get on the website. The website says it's here. I'm not seeing it. Let me go back and look. There it is. Wait a minute. We're missing this." Everything that I could touch in this process was back to him immediately. Because if I don't get it done right this minute, I forget because I've got so many things to do. And so everything that I could touch was there the minute I could get my hands on it and get it into him.

There were delays on the other side of the equation that were out of my hands but in all of that, he and the website kept me up to date. It was a lot to do. But every question I had, they had an answer. They had an arm around my shoulder, pat on the back, "You know what? You've got this. We've got this. Don't worry about it. It's all being handled. All we need from you is that particular paper." "What is that?" And they taught me the language.

As a first-time home buyer, I knew nothing when this started other than the finances. How does that work with mortgage companies and credit reports and credit cards and everything else? The only wrinkle is they said that they have the ability to make payments online. They said, it's not available. That's the 0.25. I wanna be able to make my payments online to them because they're in Florida, I'm in Oregon. I do not trust mail. And wire transfers cost a big amount. And they get lost, too.

The application was extensive but necessary. It was pretty easy to upload everything. Kayla was my rep and she was good. This was our first time going through a mortgage company and Kayla she helped us. There was a little bit of miscommunication in the beginning because I wasn't sure that I was going to be approved by myself. My mother-in-law was gonna co-sign. But 21st said that if she co-signs, she has to live at the house. She wasn't gonna live at the house. I just had to file the application by myself. I filed it with just me and my wife. That got passed hand to hand and then there was a little confusion for a second but then we fixed it.

In terms of the rates, I would like lower rates. All in all, I would definitely recommend 21st Mortage. I would've liked to know earlier about the charge for the investigator person to come out and investigate the house. I was saving up money nonstop trying to be able to afford it and trying to get a decent downpayment. I wasn't expecting that bill. If that was told to me before, I would have waited on buying paint because my idea was I was going to move in then paint the place before my wife and my babies moved in because I don't want them to smell the fumes. The only other thing is maybe the phone tag was a little excessive. I would call and then she would call. But because 21st is located in Arizona, there was the timezone thing.

Our loan officer, Elizabeth, was amazing. My husband's work is very confusing as far as the pay goes. He's a line worker, and he works for the Union. The company that he works for under the Union starts on Saturday. So, his paychecks would show 32 hours of regular time and 56 hours of overtime. So, all they would base it on is the regular time. It's showing, "Okay, so he only makes this much a year." I'm like, "Honey, he's already made $220,000 in six months, so I don't know where you're getting your numbers from." Most companies would just come back and say, "Oh, I'm sorry, this isn't gonna work out for this, and this isn't gonna work out for that." Elizabeth would say, "Well, honey, if you can do this and you can do that, we can make it work." I'm like, "Okay, well then, I'll do this and that." She would give me suggestions and advice and help the process go by quicker and smoother.

There were a few times when she had a couple of days off and I was talking to other people, and they were talking to me this way and that way, and I would say, "Well, if you just go and look at the notes or whatever. I know you guys have got to have notes. There's gotta be some kind of interoffice communication going on." So, I would be frantic until she came back to work. Overall, the only rough patch I had was with the way my husband's paychecks are. So negating that from the equation, it's a stress-free, smooth transaction, and I would definitely recommend them.

This company has empathy as well as integrity and is way above most mortgage institutions, and this is a group that does not consider you as just a number. They have a heart as well and created ways to make things work for us. As you could imagine losing your oldest daughter to cancer at 42 and then less than 30 days later losing my mother as well, throw a catastrophe on top of all this where you and so many others are hurting and all you can ask is God to step in and help make things better, well He did with this group, so if you're considering a mortgage, I can say you are more than safe with these guys as they go over and above to make things work and unlike many others you can take a deep breath and know you're dealing with the best, and they are there to truly help you.

It's just not all about the money. They want you to truly feel comfortable working with them, and that's hard to come by nowadays, as so many just care about the money and could truly care less about how you feel. All I know is you will be taken care of the right way, the way things used to be when people truly cared about others. So with all this said we just want to thank 21st Mortgage company for their help, education, integrity, and taking a tough situation and making it better, and we are grateful we were guided to pick up the phone and work with a company that truly cares about you feeling good going through them as your mortgage company! Sincerely, the Plunketts