21st Mortgage Corporation

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 more

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. more

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. more

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 more

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 more

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 more

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 more

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. more

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 more

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 more

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! more

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, more

(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. more

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. more

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 more