In May I decided I should start looking for a Mobile home since the prices in this area had went…read morefrom $80.000 for a good property to $250,000 in a short period of time. I felt that I was being priced out rapidly. So I made the decision to purchase a Manufactured home. I had to make an appointment with a local Mobile Home Dealership. The salesperson seemed to be quick to get all of my information before I even went over there. I had to pump the breaks and say, "Slow down there Cowboy. I will be in the office directly, and at that time I will provide my identification and information." It's as if they won't even let you look at a house without you signing a paper on who you are and they want to run your credit. I guess, they do that so that they can figure out how much house you can afford. I had to explain to the salesperson, "Well you only showed me one house, so I want to look around." So I left and a few weeks later I was on Youtube and found a second dealership. So I signed up to have someone contact me via their website. A sales rep contacted me the very next day. I drove over there and I loved the floor plans, the colors, and everything was upgraded. Whereas, some companies try to sell you upgraded tubs, cabinets, floors, etc. The cost was a mere $62,000 for one house and my favorite house was $65,900. I asked if they could come down off the price tag and they just laughed at me stating they were already low and cheaper than a regular house. So I felt like it was a good value. A Three Bedroom and two bath Single Wide with a Country Red color with Black trim. I just thought it was the BEST! So I gave all of my information to the dealership salesperson including: identification, paycheck stubs, work profile, social, and everything they asked for. I had the 5% down payment in my account and 401k ready for when they would require it. But first I had to qualify for a loan. They submitted my application to 21st Mortgage. I was amazed at how fast 21st Mortgage was able to come up with a decision. I was denied at first because they had put the wrong Mobile Home Park that I was going to be moving into on the form. However, I spoke to the representative from 21st Mortgage and they clarified a few things and within a few minutes I had an approval for my first house! I was super excited and still quite over the moon! I wanted to take time out to highly recommend 21st Mortgage because I liked the fact that I could contact them directly myself. Without having to direct questions to the MH Dealership Salesperson each time, who would next tell mobile sales manager, who would then contact 21st Mortgage Loan Officer. That would take too much time and I don't have patience for that. I was treated nicely and transferred directly to my loan officer who's name is Wes Carter who answered my questions, addressed my concerns, and updated my file right away. Mr. Carter's Assistant, Elizabeth Hagle even called me to go over my paperwork and follow up to see if I received information they had emailed me. I was very pleased how quickly and professionally they work. I know you're thinking that's what they're supposed to do, but trust me on this journey I've found many people don't always do what they are paid to do nor work effectively. Therefore, when we find people who care we want to at least say, "Thank you!" I enjoy writing so, I write about it. "Thank you 21st Mortgage, Wes Carter, and Elizabeth Hagle!!!" Positive Points for 21st Mortgage: 1. Great Communication: Wes has answered my questions and addressed my concerns expeditiously. Returned emails and answered my phone call. His assistant called me as well. 2. They submission. approval, denial time frame was pretty fast! 3. They had someone from the office to call me to go over the loan 4. .You have someone in charge of your account or Primary Contact of whom you can speak to directly. 5. They offer some resources on their website that give consumers an idea of how the process works because not all dealerships explain details. If you like to know every single step the 21st Website has some pdf files consumers can look at or save. 21st Mortgage Resources (VERY HELPFUL INFO) https://www.21stmortgage.com/web/21stSite.nsf/index.html Helpful PDF files: https://www.21stmortgage.com/Intranet/DocumentRepository.nsf/Document%20List/5F977B2FD3EA40DC852581E200725C7D/$FILE/2017_Home%20Loan%20Process%20Game%20Board

This company is by far the worst mortgage company I have ever dealt with in my life. I have…read morepurchased 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.