Information Disclaimer: Not Your Loan Servicer (Read More)

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. We are a homeowner advocacy group with more than a decade of helping homeowners and professionals with mortgage assistance negotiations. The information found on this page is for educational and convenience purposes only. The information found on this page should be considered as opinion and not fact based on our experience with lenders over 10+ years. Consult your mortgage servicer directly or a professional before using any of the information found on this site. If you are seeking an intermediary to assist you in getting help with your mortgage you may contact us at 888-934-3444 or via email at [email protected] for further review for a no fee, no obligation, consultation. If required you may be referred to a local professional or legal counsel for additional assistance with your mortgage. Please read through our Disclaimer page for additional details. We do not represent in any way any financial institution named on this page. If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

21st Mortgage Corp. Short Sale

21st Mortgage Short Sale Decline

21st Mortgage Short Sale Denied?

21st Mortgage Short Sale

21st Mortgage Short Sale Process

21st Mortgage Short Sale Negotiators. We're On Top.

 

21st Mortgage Short Sale Process

For most of the cases the investors require you to first apply for 21st Mortgage Loan Modification but once they decline your request then the process for short sale is pretty straightforward:

  1. To start the short sale process our agent will have to place a call to 21st Mortgage and talk to their councellor over the phone.
  2. It will be a requirement for you to submit the 21st Mortgage Request for Mortgage Assistance Package with all the supporting documents.
  3. It will be required to schedule and complete a broker’s price opinion (Some investors require two interior inspections)
  4. The terms for purchase prices and closing costs will have to negotiated with 21st Mortgage about Short Sale Fees And Costs To Be Paid Out Of The Seller’s Proceeds.
  5. Lender 21st Mortgage Provides A Response To Short Sale Offer Made.

We are very sorry to inform you that 21st Mortgage is not an easy company to deal with especially during the short sale process. It often feels like that something always comes up when applying for the short sale process. It is very common practice that you will have to will have to repeat the same steps over and over. While dealing with 21st Mortgage short sale process we will have to run from department to department. The Loan Modification Department maybe needs to close it out, or the short sale department doesn’t have someone assigned to 21st Mortgage Customers Service Department; Above all you need to know better when they are sending you in the wrong direction. Often clients come to us after submitting the wrong information on their application, getting denied, and not being able to figure out what happened. We can help you review any declines.

21st Mortgage Short Sale Timeline

While dealing with the 21st Mortgage short sale process it can greatly help the process if you know what effects the timeline of the short sale process. These are just a few of the hoops we have to jump through when dealing with a short sale.

  • For one, 21st Mortgage is only a  servicer of mortgage notes. 21st Mortgage Short Sale package is generally only a piece of what governs 21st mortgage servicing as they have to bide by the PSA or Pooling and Servicing Agreement that sets the fules for each and every loan; This contract is directly between servicer and investor. The investor for which 21st Mortgage is servicing do not allow them to take all the decisions themselves so this means that for decisions they cannot take themselve they have to get permission from the investor. Some investors such as Fannie Mae (FNMA) and Freddie Mac (FHLMC) have pulled almost all decision making authority from many servicers. The more parties you have to deal with the longer it’s going to take.
  • Additionally, The fact that whether your 21st Mortgage loan has a sale date or not also greatly effects the timeline. 21st Mortgage can be really tough to deal with when it comes to stopping the sale so the 21st Mortgage short sale process can be completed. If you can get a value completed your chances of getting bumped up majorly improve. As a loan servicer they have homes being sold at auction every day. Sale dates even for the coming week are not worked with ugency you would expect. As a first come first serve business model it can also be influenced by foreclosure status and proximity to the upcoming sale date (if applicable).
  • Finally, not all negotiations are equal; This goes for both sides. Often miscomunication is the number one reason why a short sale fail. People become very specialized in this niche of representing homeowners (borrowers) infront of 21st Mortgage in these financial application processes to find mortgage assistance. Often you will be put though the multiple levels of management including approval from an investor as mentioned above depending on what their total losses are.

21st Mortgage Short Sale Timeline Conclusion: Your 21st Mortgage Short Sale Timeline will vary based on many different factors. Decisions that can be made in house will clearly be quicker than those that have to be sent out for appoval, What the value comes back at from the appraisal completed by 21t Mortgage’s Short Sale Department compared to what the offer is that is being made to them, how fast 21st Mortgage Loss Mitigation department received the 21st Mortgage’s Short Sale Application documents are received (readable) and other factors will come together to effect how long it will take for your 21st Mortgage Home Loans Short Sale to be Approved.

If Your 21st Mortgage Short Sale Was Denied There May Still Be Options.

 

How To Fix A 21st Mortgage Home Loan Short Sale Decline?

Often dealing with 21st Mortgage and how they deal with short sale buyers offers being declined may be confusing. Often they will not be clear not only as to why but if there is anything that can be done to fix it.  Here at ACG we review dozens of points in order to understand why your 21st Mortgage short sale offer was rejected. Have us review your declined short sale for free by calling us at 888-934-3444.

21st Mortgage Loan Servicing Contact Information

21st Mortgage Customers

 21st Mortgage Consumer Complaints and Reviews

21st Mortgage Servicing Mortgage Reviews

21st Mortgage Servicing Complaints

Often we have gotten on the phone with a 21st Mortgage Loan for one of our Customers where we are given the run arround. They can be very difficult to work with and making matters worse is their rude agents on the phone. When dealing with a Loan Servicing where the people on the phone make you feel like they don’t care getting a straight story can be difficult with your 21st Mortgage.

Due to space constraints we are not able to include the complete review(s). The name of each reviewer links to where the reviews maybe located. For the complete review click the links.

21st Mortgage 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 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 Know 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 Short Sale News

21st Mortgage Deed In Lieu Application, Forms And Packages

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information...

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21st Mortgage Foreclosure Process

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information...

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21st Mortgage Deed In Lieu Of Foreclosure

**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. The information found on this page is for educational and convenience purposes only. The information...

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