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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