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  21st Mortgage Corporation Mortgage

21st Mortgage Corporation Mortgage

in Home Purchase Mortgages from 21st Mortgage Corporation · NMLS ID #2280

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21st Mortgage Corporation Mortgage

Unaffiliated

in Home Purchase Mortgages from 21st Mortgage Corporation · NMLS ID #2280

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Highlights
Loan Amount Starting at $20,000
Loan Term (Years) N/A
Credit Score Range N/A

21st Mortgage Corporation Mortgage Review

21st Mortgage Corporation Mortgage is offered by 21st Mortgage Corporation (NMLS #2280), a direct lender founded in 1995 and based in Knoxville, TN. 21st Mortgage Corporation Mortgage is available in 45 states (and Washington, DC).

Key Takeaways
  • Only offers one mortgage pogram. 21st Mortgage Corporation Mortgage only provides FHA mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for financing. However, 21st Mortgage Corporation Mortgage does offer financing for primary and secondary homes (e.g. vacation properties).
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
21st Mortgage Corporation Mortgage Pros & Cons
Pros Cons
  • Available in 45 states.
  • Charges an origination fee.
  • Charges prepayment fees.
21st Mortgage FAQ

What mortgage rates does 21st Mortgage Corporation offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

21st Mortgage offers home loans with APRs starting at 6.99% .

Does 21st Mortgage charge an application fee?

Do they charge mortgage origination fees?

Yes, 21st Mortgage may charge a loan origination fee.

What mortgage programs are available?

Besides conventional mortgages, 21st Mortgage offers the following mortgage types:

  • FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.

What property usage types does 21st Mortgage allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. 21st Mortgage allows the following property usage types: 

  • Primary home

What is the customer service phone number?

The customer service number for this business card is (800) 955-0021.

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Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 9:00pm
  • Tuesday 8:00am - 9:00pm
  • Wednesday 8:00am - 9:00pm
  • Thursday 8:00am - 9:00pm
  • Friday 8:00am - 8:00pm
  • Saturday Closed

Other Services by 21st Mortgage Corporation

Availability

  Available in 45 states and Washington, D.C.
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use Primary Home
Primary Residence
APR Starting at 6.99%
Loan Amount Starting at $20,000
Mortgage Programs FHA
Terms 5 to 23 years

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