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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