Mhm

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I've been in the real estate industry for almost 20 years, so it's safe to say I understand the process. With the current C19 climate, we were hesitant to buy a home, but the rental market was so overpriced that it seemed more cost effective. Not wanting to get stuck in a 20 year mortgage, we opted to purchase a manufactured home which we could then pay off within 5 years. We started the process on April 11, opened escrow on May 9 - and we are still waiting to close. That's over 120 days - for a $30,000 loan. There is no amount of logical explanation that can justify the number of hoops we have had to jump through for a $30,000 loan. Our "broker" whom I will affectionately name "Dance Mom Brittany", didn't even have a business number to call. When calling the number listed on her business email, a voicemail announcing her dance studio was all I was met with. I never got a call back, and the emails were a nightmare. They couldn't keep track of a single document, couldn't decide from week to week if we were approved or denied, and when we were approved, we were required to put down 35% (after being told 20%). Once the file actually started moving in a positive direction, more documents were required, documents that they knew day 1 they needed, but waited 5 weeks to request. Those documents took another 4 weeks to get from the IRS. The final straw was after 2+ months of back and forth, they suddenly decided that we needed to ink sign everything. Every. Single. Page. Pages that they had in their possession, pages that they already knew needed to be ink signed, but failed to mention that when we sent them via a digital signing process. So we were delayed another 3 weeks while those docs went back and forth. The final straw was when they insisted on documentation for a job my husband didn't even have and then asked for his first paystub from that job - from 7 years ago. We pushed out our escrow 3 separate times, when we finally got to the signing part of all the escrow docs and loan docs as well as put up our full 35% deposit - we were then told at that our interest rate was going to be 14%. The loan company then called and told us we would be funding that day, which was a Tuesday. By Friday, we still had no funding and our escrow office knew nothing about it. By Monday, we only received a cryptic email at the end of the day stating that "we were in line to be funded tomorrow". Well, tomorrow has come and gone and we still haven't closed escrow. We could easily do an all cash deal, but we'd like to hold onto as much of our cash as we can, so there is absolutely no reason for them to take this long as we have the cash to back it up. IF YOU ARE LOOKING TO BUY A MANUFACTURED HOME (and they are absolutely worth it in many cases - more bang for your buck!) BUT TAKE HEED - if you are going to finance it, do not expect to be done in a timely fashion. Plan on a full 5-6 month process. Research to see if there are ANY other options available to you and the #1 question to ask is if the company you are working with does their own funding or do they go to 21st. We called about 10 different places and either got "we don't do mobile homes" (despite Google saying otherwise) or they all were fronts for 21st Mortgage. (which will get their own scathing review) I have pulled several agents into this hoping that I was wrong and this was just the process, and each one ended up just as baffled as we are. The Better Business Bureau will be receiving a detailed account of their business practices. If anyone else has had dealing with either MHM or 21st and has had a similarly exhausting and frustrating experience, please comment - we are seriously considering a class action lawsuit at this point. The amount of privacy laws they broke, not to mention the full on "loan shark" practices they do are absolutely unacceptable and I would not recommend them to a single individual ever. Buying a home is stressful enough, but the lending process should only take 14-28 days TOPS. If your lender takes longer than that, run. We were so far in that we had no choice but to keep moving forward and hope that it would close. To date, we are still being told it will "fund tomorrow". Our only saving grace is that we have the option to buy all cash, but many won't. This company counts on that - they count on the desperate people, the ones who may not have a lot of options. This company feeds off the financially strapped and have zero remorse. To those who have options - utilize them. To those that don't, and get stuck with these people, I'm sorry. I can only say that you are in for a very long haul - but at least you have been warned. We would never have used these people had we known then, what we know now.