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
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