Last Updated: 04/18/2025
21st Mortgage Corporation Mortgage Refinance
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Credit Score Range
N/A
Amount Range
Starting at $20,000
Loan Term (Years)
5 - 23
21st Mortgage Corporation Mortgage Refinance Review
21st Mortgage Corporation Mortgage Refinance is offered by 21st Mortgage Corporation (NMLS #2280), a direct lender founded in 1995 and based in Knoxville, TN. 21st Mortgage refinance are available in 47 states.
Key Takeaways
- Only offers one mortgage program. 21st Mortgage Corporation Mortgage Refinance only refinances FHA mortgages.
- Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
- Standard interest rates types.
- Considers personal use and investment properties. Refinancing available for primary residences, secondary homes (e.g. vacation properties), and even investment homes such as rentals.
- Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
21st Mortgage Corporation Mortgage Refinance Pros & Cons
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21st Mortgage Corporation Mortgage Refinance FAQ
What range of mortgage balances will 21st Mortgage refinance refinance?
Mortgage refinancing loans start at $20,000 .
What is the maximum loan term for a mortgage refinance via 21st Mortgage refinance?
The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. 21st Mortgage Corporation Mortgage Refinance offers mortgage refinancing with terms ranging from 5 to 23 years.
How long does 21st Mortgage refinance take to refinance?
21st Mortgage refinance does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.Does 21st Mortgage refinance charge a mortgage origination fee?
Yes, 21st Mortgage Corporation Mortgage Refinance will charge a loan origination fee .
What mortgage programs does 21st Mortgage refinance offer?
21st Mortgage Corporation Mortgage Refinance offers the following mortgage types:
- Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
- FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
What property usage types does 21st Mortgage refinance allow?
Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. 21st Mortgage Corporation Mortgage Refinance allows the following property usage types:
- Primary home
- Secondary homes and vacation properties
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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
Home Mortgage Loans
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21st Mortgage Corporation Mortgage Refinance Community Reviews
Would you recommend 21st Mortgage Corporation Mortgage Refinance to your friends?
Amanda M.
Oct 16, 2023
May or may not recommend
approval was fast and closing was handled smoothly. Once you begin having to deal with their employees, that is a different story. Their training is absolutely disgusting, you can truly tell the only thing that matters to the company is a $. They are rude and speak down to you. I would never recommend them to a single soul. Go elsewhere, this company is full of biggots and unfortunately I ...Show More
My C.
Sep 28, 2023
May or may not recommend
They're INCREDIBLY hard to work with. They act like they offer solutions and payment options but THEY DON'T at all. They will tell you exactly what their expectations are no matter your situation. My friend is battling cancer and they are so mean to her and have threatened foreclosure because she was 4 days late. They want to foreclose on everyone's property and they enjoy making ...Show More
Janaya K.
Aug 9, 2020
May or may not recommend
No one answers your calls and they tried to say my income was less than it is (about half as much) due to me being off for a few weeks because of COVID-19. If most of America was off for a few weeks because of covid will the just estimate all of America’s income wrong then? And then they said since I “make less” (I don’t) the only answer was ...Show More
U
Anonymous
Jul 20, 2019
May or may not recommend
Their sales persons are not licensed and they are making fraudulant insurance claims as well as changing contract details. That's just the beginning and only names a few illegal transaction
Showing 4 of 4 reviews
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