21st Mortgage Corp

★★☆☆☆
35.9634 -83.9181
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865-523-2120

620 Market St Ste 100

Knoxville, TN

37902

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About 21st Mortgage Corp

Finance

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Reviews 1 - 35 of 35.
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21st Mortgage is nothing more than a criminal activity. They can be beaten though and this is how I did it. Every piece of correspomndence must be saved and copied and copied over and over. There are so many organizations to file complaints with, start with one and back up what you are saying with enclosures. Back up your figures with a CPA report. 21st Mortgage will lie their way out of it. File a complaint with the next organization pointing out the lies told to the last organization.. I filed complaints to five organizations and kept adding to each complaint. Finally, my credit rating was restored, my monthly payment started coming down and they bowed down to me. Then, with credit rating restored, I was able to refinance . This loan was only $20.000 and they wanted to collect over $50.00 per month too much for the escro fund. You have to be able to balance that yearly escro report each year because that is where the problems show up. You have to research what they are doing to you to see if it is legal. You can now file a complaint with the Better Business Bureau because they have recently joined.

1
★☆☆☆☆

21st Mortgage is nothing more than a criminal activity. They can be beaten though and this is how I did it. Every piece of correspomndence must be saved and copied and copied over and over. There are so many organizations to file complaints with, start with one and back up what you are saying with enclosures. Back up your figures with a CPA report. 21st Mortgage will lie their way out of it. File a complaint with the next organization pointing out the lies told to the last organization.. I filed complaints to five organizations and kept adding to each complaint. Finally, my credit rating was restored, my monthly payment started coming down and they bowed down to me. Then, with credit rating restored, I was able to refinance . This loan was only $20.000 and they wanted to collect over $50.00 per month too much for the escro fund. You have to be able to balance that yearly escro report each year because that is where the problems show up. You have to research what they are doing to you to see if it is legal. You can now file a complaint with the Better Business Bureau because they have recently joined.

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these are the worse people to have to deal with when you are even a day late. The people are rude, uncaring and unprofessional tyrants. I cannot wait to get out from under them, the sooner the better. and I agree with the masses we need to join together and shut this place down legally.

1
★☆☆☆☆

these are the worse people to have to deal with when you are even a day late. The people are rude, uncaring and unprofessional tyrants. I cannot wait to get out from under them, the sooner the better. and I agree with the masses we need to join together and shut this place down legally.

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WOW, well ive only been with 21st Mortgage for about 5 months now, so far everything has been good I havent gotten any harassing phone calls, well at least I dont think so. I dont answer my phone if I dont recognize the number anyway, lol. But im amazed to be reading all the horror stories below, any tips anyone can give me when dealing with their customer service in the future would be greatly appreciated.

1
★☆☆☆☆

WOW, well ive only been with 21st Mortgage for about 5 months now, so far everything has been good I havent gotten any harassing phone calls, well at least I dont think so. I dont answer my phone if I dont recognize the number anyway, lol. But im amazed to be reading all the horror stories below, any tips anyone can give me when dealing with their customer service in the future would be greatly appreciated.

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Latest reviews from Citysearch.

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I have to say that this company is AWFUL! Our payments come out of our bank account and they still call to tell us we are late! It comes directly out and we have never been late, well as of this month we have paid of our home:) They took out the entire monthly payment even though only half was owed. We are still waiting to get out money back from them 20 days later and they are calling my husband at his work. They now owe us money so they will be hearing from us every day until they give it back, maybe we should charge interest and a late fee to see how they like it

1
★☆☆☆☆

I have to say that this company is AWFUL! Our payments come out of our bank account and they still call to tell us we are late! It comes directly out and we have never been late, well as of this month we have paid of our home:) They took out the entire monthly payment even though only half was owed. We are still waiting to get out money back from them 20 days later and they are calling my husband at his work. They now owe us money so they will be hearing from us every day until they give it back, maybe we should charge interest and a late fee to see how they like it

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Don't be 1 day late, they will call and call and call. I've been lied to, what is my grace time? Tried to complain to manager and that was pointless! At least the manager was not rude that was a change. What the hell you want me to do the check was already in the mail?? Thank god for caller id NEVER answer the phone if they call again!

1
★☆☆☆☆

Don't be 1 day late, they will call and call and call. I've been lied to, what is my grace time? Tried to complain to manager and that was pointless! At least the manager was not rude that was a change. What the hell you want me to do the check was already in the mail?? Thank god for caller id NEVER answer the phone if they call again!

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I read your comments below and I would have to agree with all of you. They will harrass you every day, call you every hour, until they get a hold of you or until the payment is made. My husband works in a line of business of SNOW and if no snow, no money. Well, we are about 3 months behind on payment and have made arrangements with tax returns to get it caught up. They wanted me to post date an ACH debit from my checking account before the refund even showed up in my checking account. OMG - can we say ""fraud""?!?!? I refused not knowing if the refund was going to be there yet. Well, it didn't show up and now I have to DEAL with them again and let them know they will have to wait another week. \r
I agree... you talk to one person, then another, then another.... say the same thing each time. Then you talk to them again a few days later and they don't have any of the previous confersation on file. OMG.... I would love to get away from 21st and finance thru someone else. Anyone have any ideas who??? \r
I agree -- they are the rudest people I've ever had to deal with. REDICULOUS!!!

1
★☆☆☆☆

I read your comments below and I would have to agree with all of you. They will harrass you every day, call you every hour, until they get a hold of you or until the payment is made. My husband works in a line of business of SNOW and if no snow, no money. Well, we are about 3 months behind on payment and have made arrangements with tax returns to get it caught up. They wanted me to post date an ACH debit from my checking account before the refund even showed up in my checking account. OMG - can we say ""fraud""?!?!? I refused not knowing if the refund was going to be there yet. Well, it didn't show up and now I have to DEAL with them again and let them know they will have to wait another week. \r
I agree... you talk to one person, then another, then another.... say the same thing each time. Then you talk to them again a few days later and they don't have any of the previous confersation on file. OMG.... I would love to get away from 21st and finance thru someone else. Anyone have any ideas who??? \r
I agree -- they are the rudest people I've ever had to deal with. REDICULOUS!!!

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We bought our home in 08. My husband works as a contract welder. He goes where ever the job is so it's common for us to be out of work time to time. Well at first when we were out of work they were real nice but then they moved us from one person to the next and I was frustrated trying to explain our line of work. I finally ask one day why they move us around and to my surprise no one could explain it to me. I ask why when I make arrangement with you guys why don't you put in on the account in the computer system I was tired of talking to one person and then next day different person calls and they had no idea I made a arrangement. Crazy thing is now I have one financial councilor and she is right down a bad person. I refuse to answer personal questions and I refuse to pay a 100 late fee when my payment book says 5 late fee and I really don't care about if I can't make partial payment I do and they post them . FYI they have to except a payment or they can get into trouble. My sister n law is fight right now over that and looks like she might win her home. Not with this company. I dislike this company. I hope they read all these reviews. I refuse to give you people personal information if it's not on the file it's none of your business. I also wait to the very last minute to send my payment. That pisses them off but they get it along with my late fee, just don't use this company

1
★☆☆☆☆

We bought our home in 08. My husband works as a contract welder. He goes where ever the job is so it's common for us to be out of work time to time. Well at first when we were out of work they were real nice but then they moved us from one person to the next and I was frustrated trying to explain our line of work. I finally ask one day why they move us around and to my surprise no one could explain it to me. I ask why when I make arrangement with you guys why don't you put in on the account in the computer system I was tired of talking to one person and then next day different person calls and they had no idea I made a arrangement. Crazy thing is now I have one financial councilor and she is right down a bad person. I refuse to answer personal questions and I refuse to pay a 100 late fee when my payment book says 5 late fee and I really don't care about if I can't make partial payment I do and they post them . FYI they have to except a payment or they can get into trouble. My sister n law is fight right now over that and looks like she might win her home. Not with this company. I dislike this company. I hope they read all these reviews. I refuse to give you people personal information if it's not on the file it's none of your business. I also wait to the very last minute to send my payment. That pisses them off but they get it along with my late fee, just don't use this company

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I bought my home 7 years ago as a repo, and ended up with 21st mortgage. I'll admit I had bad credit back then, so I wasn't surprised at the 12.25% interst rate. After 7 years of on time payments and an improved credit score I tried to refinance with them. Ha! I received a rejection letter, surprise. Of course they don't want to lose all that money. When I do receive a year end escrow report from them, it always shows a negative balance that has to be made up during the next year. My question, I calculate the amount for insurance and taxes for the year and how much of my payment goes towards that, it comes up close to $300. over what is due. So, where is that extra money going? Hmm. I'm looking elsewhere to refinance, or will try to sell my home. This has been a bad experience all around. 21st mortgage only cares about it's bottom line. Pitiful.

1
★☆☆☆☆

I bought my home 7 years ago as a repo, and ended up with 21st mortgage. I'll admit I had bad credit back then, so I wasn't surprised at the 12.25% interst rate. After 7 years of on time payments and an improved credit score I tried to refinance with them. Ha! I received a rejection letter, surprise. Of course they don't want to lose all that money. When I do receive a year end escrow report from them, it always shows a negative balance that has to be made up during the next year. My question, I calculate the amount for insurance and taxes for the year and how much of my payment goes towards that, it comes up close to $300. over what is due. So, where is that extra money going? Hmm. I'm looking elsewhere to refinance, or will try to sell my home. This has been a bad experience all around. 21st mortgage only cares about it's bottom line. Pitiful.

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I lost my job and continued to pay the payments, then when I could no longer afford the payments I contacted them and asked them to work with me by lowering my payment or dropping the interest rate or extending the loan. After trying this for about five months with constant phone calls from them and them not willing to help Iet the home go back. I paid over $60,000 on the home, left it in excellent condition even winterized it and guess what. They sold it to the park and now want an additional $19,000 dollars. I am nearly 60 years old with a low paying job just barley getting by renating a one bedroom and they are still harrassing me.

1
★☆☆☆☆

I lost my job and continued to pay the payments, then when I could no longer afford the payments I contacted them and asked them to work with me by lowering my payment or dropping the interest rate or extending the loan. After trying this for about five months with constant phone calls from them and them not willing to help Iet the home go back. I paid over $60,000 on the home, left it in excellent condition even winterized it and guess what. They sold it to the park and now want an additional $19,000 dollars. I am nearly 60 years old with a low paying job just barley getting by renating a one bedroom and they are still harrassing me.

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wow

3
★★★☆☆

wow

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We pay an average of $60 OVER the required amount every month and they still send us duns and make constant harassing phone calls. Currently we are over one month AHEAD! (Are you reading this 21st?) I am finally at the point where I am writing a letter to the state Attorney General, and an attorney to see if we can sue them. I truly hope we can as the house will be paid for and we will have a nice retirement fund started at their expense. I am through with their ignorance!! They ever stand in front of me and I will pay them in ways they do not desire but will leave a lasting mark!!! Can you spell woodshed experience?? Anyone care to start a class action lawsuit against them?? I am in!!!

1
★☆☆☆☆

We pay an average of $60 OVER the required amount every month and they still send us duns and make constant harassing phone calls. Currently we are over one month AHEAD! (Are you reading this 21st?) I am finally at the point where I am writing a letter to the state Attorney General, and an attorney to see if we can sue them. I truly hope we can as the house will be paid for and we will have a nice retirement fund started at their expense. I am through with their ignorance!! They ever stand in front of me and I will pay them in ways they do not desire but will leave a lasting mark!!! Can you spell woodshed experience?? Anyone care to start a class action lawsuit against them?? I am in!!!

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i have this company as my mortgage company and they are the worst to deal with as they are rude and all they care about is getting the payments on time and they call all the time to make sure you are going to make a payment...and the other day when i called them and tried to explain why i could only make a partial payment this month they got right rude with me and told me that the mortgage payment was MORE important then my other bills and i should of paid it first...........and to have my internet, phone and cable disconnected so i can pay them on time every month. I have a son that is disabled do you think they understand that he needs his medicine, that he enjoys watching tv noo they were very rude to me yesterday.

1
★☆☆☆☆

i have this company as my mortgage company and they are the worst to deal with as they are rude and all they care about is getting the payments on time and they call all the time to make sure you are going to make a payment...and the other day when i called them and tried to explain why i could only make a partial payment this month they got right rude with me and told me that the mortgage payment was MORE important then my other bills and i should of paid it first...........and to have my internet, phone and cable disconnected so i can pay them on time every month. I have a son that is disabled do you think they understand that he needs his medicine, that he enjoys watching tv noo they were very rude to me yesterday.

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I only give them one star because I must. They recently purchased our mortgage from another company. We have NEVER been late, always EARLY. They are trying to change the terms of our contract without our consent. Trying to speak to anyone in that company is a complete waste of time they can not comprehend basic English. I can not count how MANY times we have spoken with this company over the last month they have owned our mortgage, and we get nowhere with them! After speaking to a ""supervisor"" he assured us that he would ""investigate my concern"". There is NO concern! My contract states the guidelines and they are NOT following them!! At one point in the conversation the supervisor said ""We don't look at every contract."" So they're arguing with me about the contract I signed without even looking at MY contract! I had them send me a copy of my contract so I knew they have it, and I will be sending a copy back to them with my payment being sent specifically as stated in MY contract! This company is a disgrace, trained monkeys would do a better job. If you have not already, NEVER do business with them!!!!!!! RUN AWAY!!!!!!!!!! Besides Bank of America, this is my most HATED company ever! If this is not quickly resolved, they will be meeting my lawyer, after the attorney's general gets through with them of course, by time all is said and done they will be very very sorry, they messed with the wrong person.

1
★☆☆☆☆

I only give them one star because I must. They recently purchased our mortgage from another company. We have NEVER been late, always EARLY. They are trying to change the terms of our contract without our consent. Trying to speak to anyone in that company is a complete waste of time they can not comprehend basic English. I can not count how MANY times we have spoken with this company over the last month they have owned our mortgage, and we get nowhere with them! After speaking to a ""supervisor"" he assured us that he would ""investigate my concern"". There is NO concern! My contract states the guidelines and they are NOT following them!! At one point in the conversation the supervisor said ""We don't look at every contract."" So they're arguing with me about the contract I signed without even looking at MY contract! I had them send me a copy of my contract so I knew they have it, and I will be sending a copy back to them with my payment being sent specifically as stated in MY contract! This company is a disgrace, trained monkeys would do a better job. If you have not already, NEVER do business with them!!!!!!! RUN AWAY!!!!!!!!!! Besides Bank of America, this is my most HATED company ever! If this is not quickly resolved, they will be meeting my lawyer, after the attorney's general gets through with them of course, by time all is said and done they will be very very sorry, they messed with the wrong person.

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Hi, fellow victims; I too, had my loan purchased by 21st mortgage. I have failing health and financial issues. My father is ill and my wife's father is ill. I came to the conclusion that I could not afford to take care of my family and myself and live in Calif.. I called 21st to state that I volutarilly relinquish ownership of the mobile home. I then recieved a call from them and was told they would ""destroy me"", financially. Well I have almost no retirement left (thanks to obama), and my health issues are terminal. All that I want to do is take care of my family as long as can. The last thing I need is for someone to tell me , "" they will destroy me"". I'm already dead. But, if they want to harm my family , I will do everthing in my power to prevent that. We, the people, that have been threatened, victimized by these vultures can have our day too!!! Let's compile a list of everybody that represents 21st and is threatening us. Go on the internet and get all the information you can on them. Find out where THEY live. Find out who THIER neighbors are, and start making public who these people are. Almost all of the information is found in public records. When we find it , we make it really public. Turn the tables on them. The only way to keep the snakes from biting you is to cut the heads off. We MUST band together. We will get nowhere by ourselves.

1
★☆☆☆☆

Hi, fellow victims; I too, had my loan purchased by 21st mortgage. I have failing health and financial issues. My father is ill and my wife's father is ill. I came to the conclusion that I could not afford to take care of my family and myself and live in Calif.. I called 21st to state that I volutarilly relinquish ownership of the mobile home. I then recieved a call from them and was told they would ""destroy me"", financially. Well I have almost no retirement left (thanks to obama), and my health issues are terminal. All that I want to do is take care of my family as long as can. The last thing I need is for someone to tell me , "" they will destroy me"". I'm already dead. But, if they want to harm my family , I will do everthing in my power to prevent that. We, the people, that have been threatened, victimized by these vultures can have our day too!!! Let's compile a list of everybody that represents 21st and is threatening us. Go on the internet and get all the information you can on them. Find out where THEY live. Find out who THIER neighbors are, and start making public who these people are. Almost all of the information is found in public records. When we find it , we make it really public. Turn the tables on them. The only way to keep the snakes from biting you is to cut the heads off. We MUST band together. We will get nowhere by ourselves.

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I have had my mortgage for 13 yrs.LOVED my old mortgage co.( Southtrust).loan was bought out by 21st mortgage,have had problems ever since.i have had similar problems as most,or all these reviews.the only thing consistant about this co. is their utmost need to try and be as rude,unprofessional,condesending,uncareing,arrogant, IGNORANT is as humanly possible.the service reps?last about a year on average,and every year,they just get stupider. will be pd. off before long. goodday! andy

5
★★★★★

I have had my mortgage for 13 yrs.LOVED my old mortgage co.( Southtrust).loan was bought out by 21st mortgage,have had problems ever since.i have had similar problems as most,or all these reviews.the only thing consistant about this co. is their utmost need to try and be as rude,unprofessional,condesending,uncareing,arrogant, IGNORANT is as humanly possible.the service reps?last about a year on average,and every year,they just get stupider. will be pd. off before long. goodday! andy

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Hello,\r
\r
In Reference to this company and their values of ethics to people is that they have no tatic for the sake of their company or for their customers. I have experienced some really hard times with these people being that I'm nearly finish paying for my mortgage I normally pay my bill by the end of the month, they actually pick people from the phone book that is not on my contract and call them to bring me messages, they have even went to the point of calling a realtive that lives out of state, and that's just unethical when they always end up receiveing the payment; these people have degrated me with some of the worst and same comments that I have seen here. I've had my home since 1996 with a company called Birmingham, Al corp; until these people took over it's been torture. I been harrassed, and humilated with comments that gets into heated discussions; I normally hand up because I don't want to take the abuse after I have made arrangements, they then transfer me over to be bullied again. Something or someone really needs to get these people in order with business standards. But Thank God I don't have long, and I will do everything in my power to keep my home as long as I pay my mortgage.

5
★★★★★

Hello,\r
\r
In Reference to this company and their values of ethics to people is that they have no tatic for the sake of their company or for their customers. I have experienced some really hard times with these people being that I'm nearly finish paying for my mortgage I normally pay my bill by the end of the month, they actually pick people from the phone book that is not on my contract and call them to bring me messages, they have even went to the point of calling a realtive that lives out of state, and that's just unethical when they always end up receiveing the payment; these people have degrated me with some of the worst and same comments that I have seen here. I've had my home since 1996 with a company called Birmingham, Al corp; until these people took over it's been torture. I been harrassed, and humilated with comments that gets into heated discussions; I normally hand up because I don't want to take the abuse after I have made arrangements, they then transfer me over to be bullied again. Something or someone really needs to get these people in order with business standards. But Thank God I don't have long, and I will do everything in my power to keep my home as long as I pay my mortgage.

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I sign up with 21st mortgage last year and I have never been late I call and made agreement with them and they broke it saying they need the payment in or between the 1st and 5 of the month I told them my hardship and I make my payment on the 3rd wednesday in every month and they agreed, then the women of the company is worst they want there monthly bonus I really don't like the customer service that they have they very very unprofessional. they will call like you are 3-6 month behind but I have not miss a payment I just hate I sign that mortgage note. If I can refinance I would do it.

1
★☆☆☆☆

I sign up with 21st mortgage last year and I have never been late I call and made agreement with them and they broke it saying they need the payment in or between the 1st and 5 of the month I told them my hardship and I make my payment on the 3rd wednesday in every month and they agreed, then the women of the company is worst they want there monthly bonus I really don't like the customer service that they have they very very unprofessional. they will call like you are 3-6 month behind but I have not miss a payment I just hate I sign that mortgage note. If I can refinance I would do it.

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This is a company which will suck you in, as a customer or an employee, until they've ""got you in their clutches"" . As an employee or a customer , you'd better learn to kiss the right butts, play the right games, etc.- - I was there for 4 1/2 years, and I saw a lot of good people have their lives ruined, although they were loyally devoted and extremely hard workers. It is a very politically-oriented company , whose leadership is staunch Republican, and doesn't respect anyone who isn't. This is also prevalent in their IT division, whose leader is also hardcore Republican, and as a leader , is a throwback to the little bald-headed, mustachioed , cigar-chomping caricatures of the '50's & '60's, resembling Mr, Spacely, George Jetson's boss - only Mr. Spacely had personality (albeit bad).. this company has a dim future ahead of it because of these uncompromising attitudes, and any potential employee candidates or customers, are best advised to avoid them if at all possible.

5
★★★★★

This is a company which will suck you in, as a customer or an employee, until they've ""got you in their clutches"" . As an employee or a customer , you'd better learn to kiss the right butts, play the right games, etc.- - I was there for 4 1/2 years, and I saw a lot of good people have their lives ruined, although they were loyally devoted and extremely hard workers. It is a very politically-oriented company , whose leadership is staunch Republican, and doesn't respect anyone who isn't. This is also prevalent in their IT division, whose leader is also hardcore Republican, and as a leader , is a throwback to the little bald-headed, mustachioed , cigar-chomping caricatures of the '50's & '60's, resembling Mr, Spacely, George Jetson's boss - only Mr. Spacely had personality (albeit bad).. this company has a dim future ahead of it because of these uncompromising attitudes, and any potential employee candidates or customers, are best advised to avoid them if at all possible.

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21st mortgage bought out my previous company. (Which I loved) and when I called them about information on them all they wanted was a payment. Which when I called them I did not have any prof of this company. The rep kept telling me that it did not matter that I had not revived documentation proving that this was where I would be sending my payments. She got so rude to where I req her supervisor. I am very upset that I had no choice with them being my ""new lean holder"". I find this company very unorganized and unprofessional.

1
★☆☆☆☆

21st mortgage bought out my previous company. (Which I loved) and when I called them about information on them all they wanted was a payment. Which when I called them I did not have any prof of this company. The rep kept telling me that it did not matter that I had not revived documentation proving that this was where I would be sending my payments. She got so rude to where I req her supervisor. I am very upset that I had no choice with them being my ""new lean holder"". I find this company very unorganized and unprofessional.

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I too am having difficulty with 21st Mortgage. I sent them a money order for a payment and I called them that I had mailed it and was going to be $35 short and that I would send it when I got paid again from unemployment. They told me that my M. O. wouldn't be posted unless I sent them the $35 on Monday and felt pressured to try to come up with the money buy borrowing it from someone. Talk about being stressed out!!

1
★☆☆☆☆

I too am having difficulty with 21st Mortgage. I sent them a money order for a payment and I called them that I had mailed it and was going to be $35 short and that I would send it when I got paid again from unemployment. They told me that my M. O. wouldn't be posted unless I sent them the $35 on Monday and felt pressured to try to come up with the money buy borrowing it from someone. Talk about being stressed out!!

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the company is like lone sharks, they say how can i help you if you get behind on payments, but they dont mean the part how can i help you, when you tell them your hardship, they say oh sorry, but when can we expect the payment, if you say you dont have it, they suggest you barrow, sell your tv, or rob a bank, just as long as they get thier money, even when they say ok send the payment in, by a date, they call you a million times before that date to remind you i guess, i cant see why anyone would send them anything with thier stupid hard nose tactics, anyone that has a mortage loan with them is most likey protected as the same foreclosure laws that apply to house loans, anti defiecency laws will prevent them from suing you, they cant just get property back, to be sure check your states laws, i live in ca

1
★☆☆☆☆

the company is like lone sharks, they say how can i help you if you get behind on payments, but they dont mean the part how can i help you, when you tell them your hardship, they say oh sorry, but when can we expect the payment, if you say you dont have it, they suggest you barrow, sell your tv, or rob a bank, just as long as they get thier money, even when they say ok send the payment in, by a date, they call you a million times before that date to remind you i guess, i cant see why anyone would send them anything with thier stupid hard nose tactics, anyone that has a mortage loan with them is most likey protected as the same foreclosure laws that apply to house loans, anti defiecency laws will prevent them from suing you, they cant just get property back, to be sure check your states laws, i live in ca

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I have read all the different comments and I to agree and has experience some of the same problems. But, I would like to inform you of a solution that if we come together and do this it SHALL work. The word tells us that if two of you shall agree on earth as touching anything they shall ask, it shall be done for them of my Father which is in heaven. 21st may give us a hard time not wanting to assistance us and not offering a better solution that will allow to keep our homes. But, if we pull together and lift this company up to the Most High we will get results.Oh, yes we will, do it and watch who is in control.

5
★★★★★

I have read all the different comments and I to agree and has experience some of the same problems. But, I would like to inform you of a solution that if we come together and do this it SHALL work. The word tells us that if two of you shall agree on earth as touching anything they shall ask, it shall be done for them of my Father which is in heaven. 21st may give us a hard time not wanting to assistance us and not offering a better solution that will allow to keep our homes. But, if we pull together and lift this company up to the Most High we will get results.Oh, yes we will, do it and watch who is in control.

.

This company has been a nightmare for my daughter. Like many she has come on difficult times. Trying to support herself and her daughter on her own. She tried to get this mortgage co. to work with her on her loan. She had HUD send the paper work to apply for the ""save our homes"" program, but was told by the mortgage co. that they did not participate in that. Yes, they do harass you and I don't see how they can get by with this. My daughter has lately offered to send in 1/2 payment, but they said that they could not accept it. They gave her a deadline as to when the full payment was to be in before they would put her in a default mode. They ask very personal questions about what your doing with your money and how much your bills are. They do not care to hear about any of your problems. They just want your money. I hate that she will probably end up losing her home. Especially when she has tried hard to hang on to it. Why isn't something done about this. They should be put out of business.

1
★☆☆☆☆

This company has been a nightmare for my daughter. Like many she has come on difficult times. Trying to support herself and her daughter on her own. She tried to get this mortgage co. to work with her on her loan. She had HUD send the paper work to apply for the ""save our homes"" program, but was told by the mortgage co. that they did not participate in that. Yes, they do harass you and I don't see how they can get by with this. My daughter has lately offered to send in 1/2 payment, but they said that they could not accept it. They gave her a deadline as to when the full payment was to be in before they would put her in a default mode. They ask very personal questions about what your doing with your money and how much your bills are. They do not care to hear about any of your problems. They just want your money. I hate that she will probably end up losing her home. Especially when she has tried hard to hang on to it. Why isn't something done about this. They should be put out of business.

.

As all of the others have stated, they won't work with the folks that simply have had a loss of income. I am trying to push them to participate in the new MSHDA program for hardest hit customers. You would think that they would try to get registered in this program, they could save time and money on all of those calls. If you are a customer, keep bugging them, maybe power in numbers can work.

1
★☆☆☆☆

As all of the others have stated, they won't work with the folks that simply have had a loss of income. I am trying to push them to participate in the new MSHDA program for hardest hit customers. You would think that they would try to get registered in this program, they could save time and money on all of those calls. If you are a customer, keep bugging them, maybe power in numbers can work.

Cons: Not willing to work with customers

.

I had another mortgage company for over 5 years with no late payments, one day I got a notice in the mail from my mortgage.co, The Associates, saying that my new mortgage company would be 21st mortgage and I would nave to honor them just as I did with my original company and they said that 21st bought my mortgage from them. And that they appreciated doing business with me and I was a good customer. Well I've had 21 st for over 6 years now and I had some questions about them when they never sent any statements saying what my balance is or how much escrow is left over every year or their 1098 satements for the interest you pay every year for taxes is on a piece of paper and type out from a computer instead of the legal form it self. Well I kept my mouth shut then \r
after 11 years of ontime payments I lost my job of 17 years and got behind on 2 payments and it was the most dramatic time of my life when dealing with them, they refuse to put my behind payments to the rear so I could get back on track and they refused any refinancing or any thing that would help me out, they refused to help with back payments and they finaly agrred to put some the extra money and apply it to the escrow payments that were behind but they refuse to put any payments to the rearrage, they call my house every day 2-3 times and cell phone and work phone till my boss threaten to call his attourney on them for harrassing their employee at work, then they backed off a bit, but they will hound you for the money instead of refinancing the loans , because they make lots of money from the very high interest rates and they do not want to lose that no matter what. I f you are behind more than 30 days they will hound you to all ends and days till you get caught back up, no lie one time they sent 5 registered letters and 5 regular letters all for the same late payment and all saying the same thing, my post office lady said that she delivers so many 21st mortgages notices out and they are the most unprofessional of all of them.

1
★☆☆☆☆

I had another mortgage company for over 5 years with no late payments, one day I got a notice in the mail from my mortgage.co, The Associates, saying that my new mortgage company would be 21st mortgage and I would nave to honor them just as I did with my original company and they said that 21st bought my mortgage from them. And that they appreciated doing business with me and I was a good customer. Well I've had 21 st for over 6 years now and I had some questions about them when they never sent any statements saying what my balance is or how much escrow is left over every year or their 1098 satements for the interest you pay every year for taxes is on a piece of paper and type out from a computer instead of the legal form it self. Well I kept my mouth shut then \r
after 11 years of ontime payments I lost my job of 17 years and got behind on 2 payments and it was the most dramatic time of my life when dealing with them, they refuse to put my behind payments to the rear so I could get back on track and they refused any refinancing or any thing that would help me out, they refused to help with back payments and they finaly agrred to put some the extra money and apply it to the escrow payments that were behind but they refuse to put any payments to the rearrage, they call my house every day 2-3 times and cell phone and work phone till my boss threaten to call his attourney on them for harrassing their employee at work, then they backed off a bit, but they will hound you for the money instead of refinancing the loans , because they make lots of money from the very high interest rates and they do not want to lose that no matter what. I f you are behind more than 30 days they will hound you to all ends and days till you get caught back up, no lie one time they sent 5 registered letters and 5 regular letters all for the same late payment and all saying the same thing, my post office lady said that she delivers so many 21st mortgages notices out and they are the most unprofessional of all of them.

Cons: they buy out mortagages from other companies

.

I hate this company because first of all, the receipts always go to my ex. even though I pay the note and am on the note. They have a way of antagonizing me, the male employees are the worst. When they hire an employee, at first they are nice-but later, mean, demeaning me, insulting, hateful, do not care if you loose your property. I have tried to pay on the property, but have been unemployed, had surgery, and without ex.husbands income for one year. Non sympathetic, I get questioned for every penny I make under welfare or unemployment. I hate the situation I have with 21st.
I also wish, I could refinance with a more professional company.

1
★☆☆☆☆

I hate this company because first of all, the receipts always go to my ex. even though I pay the note and am on the note. They have a way of antagonizing me, the male employees are the worst. When they hire an employee, at first they are nice-but later, mean, demeaning me, insulting, hateful, do not care if you loose your property. I have tried to pay on the property, but have been unemployed, had surgery, and without ex.husbands income for one year. Non sympathetic, I get questioned for every penny I make under welfare or unemployment. I hate the situation I have with 21st.
I also wish, I could refinance with a more professional company.

Pros: loan

Cons: personal dealings

.

My husband and I purchased a mobile home in '05 but were with a different mortgage company. Well about a year later 21st Mortgage took over our mortgage due to the other company selling out.\r
\r
We've never been late on payments until just recently. I lost my job at the beginning of the year and we're barely making ends meet. \r
\r
I've explained our situation with 21st Mortgage, asking if we could skip a loan payment and possibly have it added on to the end of our mortgage but that was unexceptable to them and they simply do not do that. If I don't answer my phone they call my husband at work, which he's not really in the position to deal with them at work and thereby getting upset because with them causing his high blood pressure to sky rocket. \r
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I've tried working with them on a daily basis but they just don't care. They demand their money on the due date and when you're one day late the calls start coming in. *sigh* They KNOW I'm out of work and that we can barely make a payment to our other creditors but it falls on deaf ears. \r
\r
Unfortunatley last month our payment was 30 days past due so it's now reflected on our credit history and that's something I can't help for right now. But now, even after my husband has mailed the payment for April they're calling me telling me that I have to do a stop payment on it since they don't have it yet. Well quite honestly I don't want to pay for the $22 fee to stop payment because that's $22 we just don't have, #2 21st Mortgage won't reimburse us for that fee and like it's happened before. They don't have our payment so I give them the payment over the phone and lo and behold...they get the payment we've mailed and it posts the next day. \r
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Quite honestly...I HATE this company and wish we could re-finance with a different mortgage company but it's hard to find one that will finance a mobile home in our area. \r
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If you don't have to deal with them, then don't!

1
★☆☆☆☆

My husband and I purchased a mobile home in '05 but were with a different mortgage company. Well about a year later 21st Mortgage took over our mortgage due to the other company selling out.\r
\r
We've never been late on payments until just recently. I lost my job at the beginning of the year and we're barely making ends meet. \r
\r
I've explained our situation with 21st Mortgage, asking if we could skip a loan payment and possibly have it added on to the end of our mortgage but that was unexceptable to them and they simply do not do that. If I don't answer my phone they call my husband at work, which he's not really in the position to deal with them at work and thereby getting upset because with them causing his high blood pressure to sky rocket. \r
\r
I've tried working with them on a daily basis but they just don't care. They demand their money on the due date and when you're one day late the calls start coming in. *sigh* They KNOW I'm out of work and that we can barely make a payment to our other creditors but it falls on deaf ears. \r
\r
Unfortunatley last month our payment was 30 days past due so it's now reflected on our credit history and that's something I can't help for right now. But now, even after my husband has mailed the payment for April they're calling me telling me that I have to do a stop payment on it since they don't have it yet. Well quite honestly I don't want to pay for the $22 fee to stop payment because that's $22 we just don't have, #2 21st Mortgage won't reimburse us for that fee and like it's happened before. They don't have our payment so I give them the payment over the phone and lo and behold...they get the payment we've mailed and it posts the next day. \r
\r
Quite honestly...I HATE this company and wish we could re-finance with a different mortgage company but it's hard to find one that will finance a mobile home in our area. \r
\r
If you don't have to deal with them, then don't!

Cons: not understanding, sometimes rude, not willing to work w/you

.

My wife and I have been struggling for the past 7 months with everything. My wife lost her job due to cutbacks and I work on commission and the economy has cut my paychecks because no one is buying anything. Long story short, I'm 4 months behind on my house payment. I made a deal with them and they said for every payment I make, they'll make one. Well, I get a call the day or two before thanksgiving telling me they are going to take my house if I don't pay $2000 by November 30th. I have a 7 month pregnant wife who is having a high risk pregnancy, a 7 year old son and I'm working every day to send them payments thinking that they are making one when I make one only to find out that they said I broke the agreement the first payment I made. They said I didn't pay when they said to, but I paid on the date they told me. They don't do what they say and don't keep their word. How can any human tell another that they are going to take their home away right before thanksgiving and christmas? They are just evil people. This company should be shut down. They are bullies and say things just to scare you. I hope one day the employees there feel the way they made me and my family feel.

1
★☆☆☆☆

My wife and I have been struggling for the past 7 months with everything. My wife lost her job due to cutbacks and I work on commission and the economy has cut my paychecks because no one is buying anything. Long story short, I'm 4 months behind on my house payment. I made a deal with them and they said for every payment I make, they'll make one. Well, I get a call the day or two before thanksgiving telling me they are going to take my house if I don't pay $2000 by November 30th. I have a 7 month pregnant wife who is having a high risk pregnancy, a 7 year old son and I'm working every day to send them payments thinking that they are making one when I make one only to find out that they said I broke the agreement the first payment I made. They said I didn't pay when they said to, but I paid on the date they told me. They don't do what they say and don't keep their word. How can any human tell another that they are going to take their home away right before thanksgiving and christmas? They are just evil people. This company should be shut down. They are bullies and say things just to scare you. I hope one day the employees there feel the way they made me and my family feel.

Cons: Rude, heartless employees and they are just evil.

.

The first day I was there my trainer made a woman cry. I should have left then. I started with 8 other people, 10 months later, I was the last to leave. I kept thinking I could make a difference, and started to realize, one person can't change a culture.
They reward law breakers that call customers at 4 AM, they make deals with customers they don't keep, they pride themselves on calling customer's brothers, neighbors, grandparents, work to get their money.
No decent human being could ever stay working there. Sorry for upsetting your families people, I have asked God to forgive me, but I hope you do too.

1
★☆☆☆☆

The first day I was there my trainer made a woman cry. I should have left then. I started with 8 other people, 10 months later, I was the last to leave. I kept thinking I could make a difference, and started to realize, one person can't change a culture.
They reward law breakers that call customers at 4 AM, they make deals with customers they don't keep, they pride themselves on calling customer's brothers, neighbors, grandparents, work to get their money.
No decent human being could ever stay working there. Sorry for upsetting your families people, I have asked God to forgive me, but I hope you do too.

Pros: Even in a bad economy, they are still hiring

Cons: Revolving door for employees - abusing customers

.

I was a good customer for 6 six never missed a payment until I had 2 deaths in my family. I couldn't make a payment so I called to explain that I had to use the money for travel and proper clothes to wear for a funeral. They were very understanding . I wanted to make an interest payment and they suggested that I make a partial payment and then told me they could change my due date from the 1 to the 15 if that would help me. I told them great that would help a lot. I made a partial payment then the next month I made a regular payment and a partial payment and for the month a regular payment. I had $117.00 to left to pay on my partial payment but because I did not pay on the 15 of the month they sent me a letter stating that I was 2 month pass due and they never credited my account for the partial payments at all. I have had a total of 6 deaths in the family in 3 months and 3 were due to cancer. 21st mortgage just dont care they are cold, heartless and greedy. They will call your friends and family they will lie to them and try to get information from them even after you tell them not to call them. Now they want to take me to court and repo my house for being $117.00 behind on one payment and 1 day late on my regular payment. They totally lie about everything including my interest rate when we first started.

1
★☆☆☆☆

I was a good customer for 6 six never missed a payment until I had 2 deaths in my family. I couldn't make a payment so I called to explain that I had to use the money for travel and proper clothes to wear for a funeral. They were very understanding . I wanted to make an interest payment and they suggested that I make a partial payment and then told me they could change my due date from the 1 to the 15 if that would help me. I told them great that would help a lot. I made a partial payment then the next month I made a regular payment and a partial payment and for the month a regular payment. I had $117.00 to left to pay on my partial payment but because I did not pay on the 15 of the month they sent me a letter stating that I was 2 month pass due and they never credited my account for the partial payments at all. I have had a total of 6 deaths in the family in 3 months and 3 were due to cancer. 21st mortgage just dont care they are cold, heartless and greedy. They will call your friends and family they will lie to them and try to get information from them even after you tell them not to call them. Now they want to take me to court and repo my house for being $117.00 behind on one payment and 1 day late on my regular payment. They totally lie about everything including my interest rate when we first started.

Pros: not any

Cons: cold, heartless company, rude harrassing not worth rating

.

This is the worst mortgage company ever! Run like the wind if they want you as a customer and or you are forced to have them as your mortgage company ! See about getting someone else! They constantly harrass you 3-5 times a day call you at work to harrass you as well! Yell and scream at you never letting you get a word in! They should be closed !

1
★☆☆☆☆

This is the worst mortgage company ever! Run like the wind if they want you as a customer and or you are forced to have them as your mortgage company ! See about getting someone else! They constantly harrass you 3-5 times a day call you at work to harrass you as well! Yell and scream at you never letting you get a word in! They should be closed !

Pros: None that I can think of!

Cons: Rudeness is a large factor!

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21st Mortgage is the absolute worst company I have ever dealt with. The have resorted to the lowest standards. They have called all my neighbors, my brother's in-laws and my ex of ten years and told them to have me contact 21st Mortgage. They continue to call me at work 2 & 3 times a day even after I have told them not to call me at and I even faxed them a letter stating not to call me at work. They are very rude, hateful, and yell and scream at me but tell me I don't have a right to yell and scream back. They say they will get me for harassment if I call them and their neighbors, but yet they can harass me 2 & 3 times a day and humiliate me. When asked how they got these numbers, they say they have all my friends and families names and number and will continue to call!

1
★☆☆☆☆

21st Mortgage is the absolute worst company I have ever dealt with. The have resorted to the lowest standards. They have called all my neighbors, my brother's in-laws and my ex of ten years and told them to have me contact 21st Mortgage. They continue to call me at work 2 & 3 times a day even after I have told them not to call me at and I even faxed them a letter stating not to call me at work. They are very rude, hateful, and yell and scream at me but tell me I don't have a right to yell and scream back. They say they will get me for harassment if I call them and their neighbors, but yet they can harass me 2 & 3 times a day and humiliate me. When asked how they got these numbers, they say they have all my friends and families names and number and will continue to call!

Cons: Rude, hateful, demeaning, humiliate,

.

(21st Mortgage is THE WORST COMPANY to deal with.They call every day three to four times a day.I'm on a buget right now.They don't care.I didn't get pay my taxes yet and they sends letters tell me if I DON'T PAY THEM they will pay them Iwould have pay them inescrow account.I was pay my taxes.The workers have know manners and are VERY rude on the phone.

1
★☆☆☆☆

(21st Mortgage is THE WORST COMPANY to deal with.They call every day three to four times a day.I'm on a buget right now.They don't care.I didn't get pay my taxes yet and they sends letters tell me if I DON'T PAY THEM they will pay them Iwould have pay them inescrow account.I was pay my taxes.The workers have know manners and are VERY rude on the phone.

.

The only thing worse than having a mortagage with 21st is working for them. Most of us work like slaves for very low salaries. Others get to go play politics and barley work at all. I can't wait to leave this place. The conditions are poor and the morale is worse. Our bosses and the teachers pet care more about politics than they do our customers, who they treat worse than the employees.

1
★☆☆☆☆

The only thing worse than having a mortagage with 21st is working for them. Most of us work like slaves for very low salaries. Others get to go play politics and barley work at all. I can't wait to leave this place. The conditions are poor and the morale is worse. Our bosses and the teachers pet care more about politics than they do our customers, who they treat worse than the employees.

.

21st Mortgage is THE WORST mortgage company I've ever dealt with. Because I got the house in a divorce, when they assumed our mortgage, they refused to speak to me, the LEGAL owner of the house, because my name wasn't on the mortgage. But they will call multiple times a day if the payment is ONE DAY LATE. They are rude, hateful, and very inconsiderate. Not to mention their terms are unbelievable ridiculous! I've been paying on my mortgage for 6 years now and still have barely made a dent in the principal because of their terms. Your payment doesn't have to be late, just past 30 days since the LAST payment, and they consider it late and absolutely NOTHING you pay goes to principal. IT""S ROBBERY! DO NOT USE THIS COMPANY! DO NOT ACCEPT THEM BUYING YOUR MORTGAGE FROM ANOTHER COMPANY!

1
★☆☆☆☆

21st Mortgage is THE WORST mortgage company I've ever dealt with. Because I got the house in a divorce, when they assumed our mortgage, they refused to speak to me, the LEGAL owner of the house, because my name wasn't on the mortgage. But they will call multiple times a day if the payment is ONE DAY LATE. They are rude, hateful, and very inconsiderate. Not to mention their terms are unbelievable ridiculous! I've been paying on my mortgage for 6 years now and still have barely made a dent in the principal because of their terms. Your payment doesn't have to be late, just past 30 days since the LAST payment, and they consider it late and absolutely NOTHING you pay goes to principal. IT""S ROBBERY! DO NOT USE THIS COMPANY! DO NOT ACCEPT THEM BUYING YOUR MORTGAGE FROM ANOTHER COMPANY!

Pros: NADA

Cons: EVERYTHING

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