21st Mortgage Loan Modification

21st Mortgage Modification Decline Review

21st Mortgage Modification Denied? What to do.

Get Help With Your 21st Mortgage Loan Modification

Talk To A Specialist Who Knows How To Deal With A 21st Mortgage.

Get Help With Your 21st Mortgage Loan Modification

Talk To A Specialist Who Knows How To Deal With A 21st Mortgage.

21st Mortgage Modification Process

The 21st Mortgage Corp. Modification process has conventional loan modification process:

  1. The application process is initiated by a phone interview.
  2. Submition of complete 21st Mortgage Request for Mortgage Assistance Package of Paperwork; Provide supporting documents and complete finances.
  3. Sometimes a property valuation is required which is done by Broker’s price opinion – Often this is done via an automated valuation model (AVM)
  4. Terms of Modification Are Reviewed, Negotiated and Sent To Underwriting
  5. Lender Provides A Response

If the process was this easy we would be out of a job; Sadly they never are and that is why we, Absolute Consultant Group (ACG) are here to support homeowners through the process. There is always back and forth with the 21st Mortgage Loan Modification Process. Submitting documents over and over again is very typical.  Often you will get transfered from department to department having you run around from 21st Mortgage Loan Modification Department to 21st Mortgage Customer Service Department. Often clients come to us after submitting the wrong information on their application, getting denied, and not being able to figure out what happened. Our staff is available to review your paperwork and to help you step with the best foot forward. Call us at 888-934-3444.

21st Mortgage Loan Modification Timeline

Dealing with large companies such as 21st Mortgage There is a lot of bureucracy involved. 21st Mortgage Loan Modifcation timelines vary often on obvious and other not so obvious parts. Here are a few of the reasons this question has such sticky answers.

  • For one, 21st Mortgage Corp. just serves as a loan servicer. Meaning that they are often representing the debt on someone elses behalf which limits their ability to make their own decisions. As a servicer they have to abide by their PSA or Pooling and Servicing Agreement that they have with each investor. They may be delegated to make decisions on behalf of the investor they are servicing the loan for and in other cases they are not delegated (non-delegated) which means they have to request permission from the investor before being able to make any arrangements. Some investors such as Fannie Mae (FNMA) and Freddie Mac (FHLMC) have pulled almost all decision making authority from most servicers. As you can imagine the more parties involved the longer it takes and the more someone like 21st Mortgage has their hands tied.
  • Another issue, affecting the modification timeline is urgency. This business is a first come first service until you ask if your 21st Mortgage Loan has a sale date? If it does, chances are you are going to get bumped up in the process. Servicers such as 21st Mortgage have homes going to sale just about all the time. Sales even set a week from today are not worked as urgently as you might want because of foreclosures pending going to auction between today, tomorrow and the next day. Remember this business is a first come first serve but it is also influenced by foreclosure status and proximity to the sale date.
  • Lastly, there is no one size that fits all mortgage solution. You often will be reviewed for a large number of programs. If you don’t qualify for the first modification type they will review you for the next one. In the banking world departments become very specialized in their  particular types of programs. Loan modification negotiators review only loan modifications and short sale negotiators only review short sales. The method is called the waterfall process and you will also find that often you are reviewed by different loan modification departments at each step of the waterfall.

21st Mortgage Loan Modification Timeline Conclusion: Sorry to say but time frames vary greatly. Whether the decisions can be made in house or have to be sent out for appoval, whether you fit the first plan you are reviewed for or the 10th plan, along with factors outside the bank including but not limited to how fast they are able to get their property values back from valuation companies, how fast documents are received legibly on their end and much much more all effect how long it will take for your 21st Mortage Loan Modifiication to be reviewed.

If Your 21st Mortgage Modification Has Been Denied. It May Not Be Too Late

Dealing With A 21st Mortgage Loan Modification Decline

Often dealing with a 21st Mortgage Loan Modification Decline may be confusing. Understanding the details of all the plans and how that conflicts with your information is key. Here at ACG we have dozens of points we review in order to understand why your 21st Mortgage loan modification was rejected. Have us review your declined modifcation for free by calling us at 888-934-3444.

Additional 21st Mortgage Contact Information

21st Mortgage Customers

21st Mortgage Complaints

21st Mortgage Loan Modification Reviews

21st Mortgage Loan Modification Complaints

21st Mortgage is a large company and the rules are literally changing every day. There are a lot of departments and even more hands in the pot of each case that making it through the system can be a real drag. It doesn’t have to be though and that’s where we come in. Give us a call and see how we can help you with your loan modification. Call 888-934-3444.

21st Mortgage Star Reviews

21st Mortage 1 Star Review:

If I could give 21st Mortgage a negative star rating, I would. We had a mortgage with them for almost 10 years, paid on time every month, FOR TEN YEARS. In December 2017 this company was going to force place a liability insurance policy for $600 on our mobile home – even though my insurance company had already sent them proof of coverage (our policy renews in December). Anyway, that was taken care of and they told me it was an oversight and they cancelled the policy… but this was the last straw for me. My husband and I decided to re-finance our home (because we got a better interest rate anyway)…

Meghan, Alapaha, GA


21st Mortgage 1 Star Review:

On several occasions since 2010 to present upon mailing payments to 21st Mortgage using the payment book stub and envelopes provided by 21st. Mortgage, the payments were not received. I have made complaints to BBB and Consumer Affairs in the past with no results other than lip service. This has just happened again. A check was mailed on 12/2/2017 using U.S. Postal Service, as of 12/27/2017 the check was not received. This has happened on at least 3 occasions in the past. In 2014 this happened resulting in a mark against my credit, which took me over a year to clear up. This company needs to have their payment receipt dept. looked into and is this happening to other customers.

Clifford, Lake Placid, FL

Don't Be A 1 Star Review

Don't Be A 1 Star Review

21st Mortgage 1 Star Review:

My experience with a financial counselor Andrew ** and his supervisor Derek, was one of the most humiliating experiences. I fell behind 2 months when my husband was sick & in the hospital for 3 months. I did not contact 21st due to fear and my own personal issues. It is “my belief” and I stress MY own belief, that these men need to go back for customer service training. They made me feel humiliated and were talking down to me as if I was a beggar. The customer service provided by supervisors was deplorable. I wish I NEVER had purchased and got a Mortgage from them.

Julie, Flat Rock, MI

1 Star Situations Happen Every Day

ACG 5 Star Reviews

ACG 5 Star Review:

Tried modifying my mortgage loan on my own, twice actually, but no luck. Until I called ACG. [I] got my loan mod approved and all is well.

Michael, Woodland Hills, CA

ACG 5 Star Review:

We were struggling trying to get assistance in keeping our home for over a year when I was introduced to ACG Today both my homes are modified and our family has a chance for a fresh start.

Patricia, Porter Ranch, CA

ACG 5 Star Review:

I have worked with [the] team personally and professionally referring them many clients over the past few years. If you need help with a loan modification, short sale, or want to avoid foreclosure I highly suggest you use Absolute Consultant Group!

Daniel, Santa Clarita, CA

You Can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your 21st Mortgage.

You Know You Can't Chance Being A 1 Star Review.

ACG Specialist Here To Help Your 21st Mortgage.

21st Mortgage Loan Modification Mortgage News

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