21st Mortgage Corporation Reviews

I was late on my payments (2) and told them when we could make them and they refused to extend a payment or accept a half and then they came from Tennessee. They said and told me we was 4 due and the guy said I was lying about how we'd gotten behind and claimed it had been behind for a year. But I have all receipts they mailed to me when I done checks by phone. My last payment was made Sept 3, 2014, this is October 10, 2014. How do you deal with such people who are so rude and horrible talking to their clients. I'll never recommend them to no one for no reason. They are very nasty to people living on set incomes to begin with.

21st we set up to draft out of our bank account. They were suppose to come out on the first of each month. They were taking payments out before the first or after the first. Which before the first was over drafting our account and was taking away getting food on the table and paying bills. So we had to overdraft our account more to get food, the necessities. It comes down to our bank, will not let our account be over drafted anymore for a highly good reason. This month we mailed them their payment along with the stub from the payment book they sent us. Well today they called already with a pissed off tone because our bank declined their draft. They proceed to try and pry into my life and insist that their payment be made by draft because it was in a paper we signed. We read through the whole contract and it did not say such a thing.

I was speaking to someone in collections because my payment was late but no later than 30 days late. I told the representative that I had made the payment electronically but she was absolutely horrible to me. She and her manager basically accused me of having the money to pay earlier. I told her that if I had the money earlier I would have paid earlier and that my bill wasn't even 30 days late. I also told her that her customer service was horrible. She then "reminded" me that she was in collections and not customer service. I asked to speak to her manager but she was just as rude. Just because someone works in collections does not give them the right to treat people like crap or forget about customer service. I have never ever had such a bad experience in ANY business!!

We are only 29 days late on our pmt and they call us 2 or 3 times a week on our house phone and our cell phones. Even though I've explained why we fell behind......they don't care. Everything they call we get in an upsetting conversation I usually end up crying. We are not deadbeats. We are hard working people who have had more than our share of troubles. I've lost 3 sisters, my mom and my dad the past 10 years and had to help pay for some of those funerals. Our son was in a horrible car wreck 2 years ago which crushed his hip and tore up his sciatic nerves. He is disabled and my husband and I moved him in with us. Our well went dry after 34 years and we had to get on county water which cost us 1800 dollars a few months ago. That's how we fell behind on things.

I tried very hard to work out payment arrangements to get my loan back on track. But the people at 21st were rude and treated me horribly. They wouldn't do anything to help. They just kept asking how I spent my money if I didn't make my payments. They want three payments in one month or they will take possession. I have never dealt with any company who was so rude and condescending. And when I explained that I needed to pay my utilities and such and that I have children at home they did not care. They wanted their money now! My loan was sold to this company and I have had problems from the beginning. They call at all hours and I stopped answering so for that I was belittled. But I can't take their sadistic ways anymore. And all this for a 14 year old mobile home that really isn't worth what they would pay out to foreclose on nor is worth much to resell. I am gonna complain to every agency I can. Judging from the complaints here someone needs to do something. They are breaking a lot of laws.

We got a mortgage back in November 2013 and put a down payment down of $21,000. We have made our payments on time every month until the beginning of Sept 2014. We had to make a decision: buy tires or make the mortgage payment. We chose to purchase tires so we could go to work and make a living. Well Sarah calls the 1st time 9/4/14 and everyday since. It is now 9/10/14. We are not even 10 days late and our book shows a late fee is acquired on 9/17/14 but yet they are already demanding their payment. I told Sarah our circumstances. She gets belligerent and I got Belligerent back. She then demands to know where I work. Really. What the hell? I wish I had read these complaints prior to getting this loan. This company sucks. I told Sarah I used to work for Bank of America and we never harassed people when they were just 10 days late. Mind you my payment isn't considered late until after 9/17/14.

This is the worst company ever to deal with. I am 30 days behind & they are trying to evict me. I have been late in the past but has always caught up. I have tried speaking with them in the past but they have very nasty attitudes. They speak to you in a way that would make you wanna beat their **. It's no reasoning with these **. I've been living in my home for 16 yrs now, chase had my mortgage, then sold it to these ** about 6 yrs ago. In 13 yrs I've never missed a payment until 3 yrs ago. Me & my husband split up & I depended on him but once he left he didn't try to help with anything even though we got this home together. It gets hard @ times being that I have 3 kids to take care of. I can't go back to school because I have to work. What I make isn't that much but I try to manage. They don't care about **, just want their money on time. They have even told me to let my lights get turned off. Yeah, the hell will I do that. I will have nowhere to go. I'm only struggling to pay this off coz I only have 4 yrs left to pay it out. Please if you're looking for a mortgage comp., do your homework 1st & don't deal with them.

The problem with 21st is the clients. We just don't make enough income to file the lawsuits they have earned. 21st knows this fact. That is why they treat people badly. Badly is very, very, very generous. They waste a tremendous amount of time harassing their clients. Phone calls, letters, texts and calling people I'm associated with. I'm sure calling my siblings and aged Father is legal. We really need to come together as clients and do a class action lawsuit and put them out of business. That is how this country weeds out bad businesses. Take note 21st. Read Emerson's Law of Compensation. You reap what you sow. It will all come back on you. Bad business is the same as out of business.

We started out working with a fellow by the name of Scott **! He never spoke with us or never contacted us! He never had time for us, which we WERE his customers! After getting all of our information to him, the deal was ready to go! As soon as we were getting ready to leave town to sign the paperwork, the company we were buying our home through called us to say that this piece of ** Scott ** said he couldn't accept our deal because his unprofessionalized piece of ** couldn't tell us months ago that my work history was unacceptable. Had our hopes up and everything! I will make sure that everyone knows how big of a lying scamming company 21st is as well as their professionalized workers! I will LET everyone know about this occurrence!

My husband lost his job. He's did bus subbing when school was in and he couldn't find a summer job. 21st would said they couldn't refinance or do a loan modification because it's a double wide. We have poor credit so trying to get a loan is out. They made us feel like we were an inch tall. They don't care that the economy is bad and that you can't find a job and that you can't constantly keep borrowing money from friends and family and churches. They call several times a day to any number they think they can't reach you at, sends texts and emails too. Finally you get to the point you don't want to see the phone or the email. If you call them it's not quick. You have to talk to the person over your account then they pass you onto the supervisor. Good 20 min or so on the phone.

Hi, I answered my door, there were two "21st Mortgage" employees standing in front of me. Because it was so hot out and I'm so kind, I then invited the two women in because it was extremely hot and humid. They entered and then started to be extremely rude and patronizing. They told me that I couldn't be bothered to call and work with the company (we had been texting them, they sent us the texts and we kept in contact that way) and then went on rudely telling me they were going to kick my family and me out of our home because we were behind ONE MONTH. I said, we just made a payment three weeks ago and explained that I lost my job and its Michigan and its hard to get another. I've applied to many many jobs with no results.

My note due on 1st every month. I had just had surgery. I gave them a call letting them know that I was on leave w/o pay and if there was anything they could do to help me. I told them it would be before the month was out I would try to get help. 21st continued to call even now. I got a check written to them on that day, they got me so upset she insisted that she know I had enough money to overnight the check to them. I tried to reason with them. I just hung the phone up. And my mortgage was behind until that payment.

Continuous calls to all numbers. Company changed payment to one price. Now calls to say they need more money or will go to collections. After 16 year no misses payment's worse than any credit card company. Told me to borrow from friends. Very angry and disappointed at service after all the loyal years. Should have refinanced with another company when the market was begging for it.

Never use this outfit!!! I've never been treated with such utter contempt as these dirtbags. If you are merely using the grace period (not late enough for them to charge a late fee), they have asked if I could borrow from a relative or a church! Also was asked when I get paid. These goons are the most hateful kind and I'm doing what I have ASAP to get refinancing with a different company. I cannot wait to tell them that they are FIRED!!

I tried to payoff my son's mortgage for him. He called and got the amount from a 21st Mortgage representative. I mail a certified check to an address given on their website. I called to make sure that they would accept a registered letter at that address. I was switched to the legal department and the representative told me the amount was incorrect and my son would have to call them for the correct amount. He called and they said that according to their records no payments had been made on account! He has copies of the money orders he sent to make the payment. They said that they will get back with us because they had to review the account!!! He made at least 7 or 8 payments on the loan!! Where did the money go????

I called this company this morning because I'm behind 34 days to let them know when I'm going to make my payment. Wow! This is the WORST company I've ever dealt with in 56 years! I explained to them that I was behind because my husband was diagnosed with cancer. I'm already disabled taking chemo monthly. The Supervisor said that he was very SORRY for the illness but if we didn't have 2 payments in by the 22nd of August, they were going to put the house up for short sale or start foreclosure proceedings! They went on tell me to borrow the money. I'm not borrowing any money when I'm trying to tell you when I'm going to pay you. I will be writing to the Attorney General's Office today & HUD to let them know how rude they were. This is ridiculous!

Well my mistake was ever calling this company. Turns out, they have caller id! So to start with, I was trying to go through the loan assumption department. I filed my app and was quickly approved within 2 days. I was to send in all documents within 60 days as well as the down of 1145 dollars and that included past due and current payments from where the previous title owners had defaulted. So I agreed. The home was only 30 days past due and the previous owner had already promised June payment.

I did not like them talking to my little girl, asking her when is going to left the house. I did not like them yelling at me. My daughter is a minor, was scared after they told her to get out of the house. I was in the restroom. She had the phone to tell them I was sick and would get back to the phone in a minute. I cannot believe the behavior they will go. I am going to pay or not, but to call 10 times a day to ask a minor child countless things after she has told them to call back, we are not home and she needs to get out of the house.

We were 27 days late on our payment because of a bank issue we had and I tried to make my payment. I was blocked from the online payment method and the over the phone payment. When I finally got to pay my bill a "so called" supervisor got on the phone and strayed saying that I was classy because of my credit score and he can obviously tell by my credit score that I can't pay 147 mortgage. He went on to keep calling me classy over and over again and said that I am classy because I have a prepaid phone. Then my fiance called back to talk to a supervisor who was justifying his actions and then proceeded to hang up on him. We put 3600 down on this place and was late on one payment and they treat customers this way. We have talked to 8 different reps who all act the same way. Bottom line DO NOT BUY ANYTHING FROM THESE PEOPLE!!!!! There is nothing but bad reviews and I should have done my homework better!!

I Sent 8 Additional Principle Payments to 21st Mortgage In 2013. I requested a statement 5 times before they finally sent me a report. 2 of my additional payments, we actually posted to the principal balance. The others were sent to an account they call "Overage". I worked for several months trying to get them to fix it. They responded with that's how it happened and tough crap. They did not pay my property taxes in 2013, although their statement said they did. I don't know if they paid my insurance or not. I never received an updated insurance certificate for that year. After all this, we have had enough so we started the refinance chore (by the way San Antonio credit union is awesome).

Got behind in monthly payments. 21st started foreclosure process with me owing less than $750. It ended up costing $970 court cost plus the payments I was behind while unemployed.

Every dealing with them is exhausting. They are like a brick, no, an ugly concrete wall we keep banging our heads on! If there are this many of us willing to stand up, imagine how many there are all together. So why then has there been no government action taken? They are extremely rude, and the worst seem to get promoted so there appears to be a constant turnover. They have also stolen my insurance checks saying they have a major investment in MY home. Interesting, because if I hadn't made the claim to make the repairs, THEY would not have known about it. IF indeed they are so concerned, why don't THEY send someone to do the repairs!

I sign contract for fifteen years and 21st Mortgage decide to put another five on mortgage to make it a twenty year now.

21st Mortgage will put you through an experience of lies and fraud unlike anything you could imagine. It was not disclosed in my paperwork that I was not buying real property. Being a single mother on a low income budget I thought I had met my dream. A beautiful home within my price range seemed too good to be true. Well it was. When I signed my mortgage papers, it was pointed out to me in the paperwork that I was buying a home "as is." OK that should mean floors, walls, cabinets structurally "as is". The interest rate was higher on the papers than in my disclosure agreement. It was 8 pm on the last day the paperwork would still be valid and I was homeless. What could I do? They told me to get rid of my old trailer because in 3 weeks my new one was coming. I waited 6 months.

I had mailed avoided check stub reflecting my new account. I spoke to three customer service agents. I was told there was a menu option to add new number. I got a rude, bold face liar who told me my account was overdue. She yelled, told me I MUST listen to her speech and then refused to take my account number. Phone number transferred to never answered. Update: No mortgage company has the right to put trw notices until after the 30th day late!

I'm disabled. I have 6 kids, 2 boys that are in my home! I had fell behind. I got my account current! I've been waiting on my ss to come in! So I missed paying in 5/14. I told them I would have the money on 6/6/14. Well I only had half of it!! THEY were very rude. They told me to take my money and find a new place to live! John told me to be out by this weekend! I started crying and had a panic attack. Gave phone to my daughter. He was very RUDE, not concerned about anything. So I got phone back. On the phone they told me I had 4 hours to come up with Full payment. I told them I could on 6/19/14. He told me to find something to pawn? Well I can't lift anything heavy, but I tried so hard to lift my TV - I hurt myself! Having yard sale to try to come up with money. I'm scared. Where am I going to live? I have no family. We have Nowhere to go? Can you please help me and my kids?

I have dealt with these fools for nearly 16 yrs. I made the mistake of changing my insurance from a very reputable co. to 21st. The reason was it was a better deal and could be incorporated in with my mortgage. Unfortunately, I filed a claim for a water leak, this past April 2014. I was sent the check, but it was rejected when I tried to deposit it. Apparently, the check was to go to 21st mortgage first. I was blamed for this mistake by them! They then told me there would be a 10 day (business day) hold before I'd be issued another check. When I asked the reason for the hold, the person became angry, and said I was the one who screwed up. I began yelling and said, "You don't want to upset a 100% disabled veteran!" I hung up. I was shaking. I was so upset!

Harassing me and it is NOT even MY loan. They call my employers and my property manager trying to get info regarding mine and my husband's employers, where and when we are home. SO UNPROFESSIONAL.

Fell behind due to job loss and divorce. I asked for a way to reduce interest and thereby the monthly payment. 21st offered to redo loan if we paid $7000 (10% of balance). They would consider 11%. We are losing our property with the double wide. Could not find another co. to refinance a mobile home.

I have been with 21st Mortgage for 5 years. Did not have trouble with them till now. They raised my payment 20 bucks. When I called them to find out why, they gave me the runaround, passed me off to others. Still can't get answers. Don't understand why. Been reading some of these comments about them from you all. I agree with you. They are bad. When I owned my business, I would never talk to customers that way or I would lose them. I am thinking of going to BBB and complain about them. If no satisfaction, will go to attorney general's office. They can't keep getting away with this. Thank you.

Why is the Tennessee Attorney General and all State Attorney Generals not investigating this company. Their collectors are nasty and they wake you up at all hours of the day and night. They threaten you. You send them payments and they hold on to them until they say you are late and try and collect late fees. I hired a Lawyer last year because the account rep lied and tried to foreclose on my home. I was actually current in my payments. I then started sending my checks in and they did not cash them and forced my home into foreclosure.

As I sit reading how many others have went through the same things I have with this company, I can't help but wonder how they are getting away with it. I have experienced most (if not all) of these horrible experiences with this so-called "Company" and it makes me furious. I know about how they "hold" your payment for days, then post it after it's late. I know about how degrading they are on the phone... They have NO CLUE what customer service is about! I've been paying more into my escrow account for years than what they pay out of it for ins. and taxes, but it never reflects it. I have called and called, trying to get an answer to where the money was. They just transfer me around, then say they will send a payment history. I have 6 of those at the moment, and none of them match (all for the same time period). I've even asked about missing payments from the yearly analysis they send us each year, and they just tell me that I can't go by that because the computer just prints that up and no one checks it. But wait.... that's illegal!

This company is a joke and they don't care what you are going through. I called 21st Mortgage cause I was late only by 30 days. I wanted to be honest with them so that I could try and get some help so I don't lose my home. I normally don't get behind but when I filed my taxes, I was to use that to pay a few months up but then after 8 weeks, I called the IRS to find out someone stole my SSN which now puts that out 6 months cause I need to prove who I am. Then I'm thinking, "Oh wow now what." So I explained that to the supervisor and asked him if I could get a deferment for 2 months due to my money being messed up with IRS. The supervisor Jason told me that I should not depend on my taxes and need to be more responsible on making sure that my home payment is taken care of first.

This is the worst mortgage company I ever dealt with in my life. I ask for a loan modification, no help. They reduce it by $7.00. This was ask before all the problems started with them. They are rude and have bully tactics and ask too many personal questions. I see some of the complaints and experience some of the same stuff. They will call you almost every day. Then telling me how I should pay them and where getting the money to pay them at. Plus they will transfer you to another representative without telling you and the person that come on the line is so rude and demanding. I was sick and just got out the hospital I explain to them that just got out the hospital making a payment on Friday. They call me back like in one hour after telling them not to call me until day discussed.

My husband's name is the only one on our mortgage. I talk to them. In every phone call they ask me for all my work information & how much I make. Not your business, it's not my mortgage. We had weekly payment arrangements with our old mortgage company and they won't honor them. They also sent us an escrow update. It says that they pay our insurance. They have never payed our insurance. Now I've got to do the leg work to prove that we have our own and it's up to date. Loath talking to that company!

I've been dealing with 21st Mortgage for 6 years and ever since I've been with them, there been problems. My mortgage payments is due in the middle of each month. Not all the time I was late. I was paying my mortgage on time. Now this time, I am not even a month late yet, they constantly call me. I just let my phone ring cause I know if I would answer it, they would get sassy with me asking me all kinds if questions. So, now since I don't answer they calls, I had received a letter from them stating that if I don't make the full payment by Friday, they will take further action. I am tired of this company doing this to me. I'll tell anybody do not, I mean do not (!!!!!) Use this company. Like I told them before and I'll say it again, if it's the Lord's will for me to keep this trailer, he will make sure I keep it. Cause, I am not catching a heart attack behind their threats.

They are a nasty co. They rip off people and act like they help by picking up high risk folks. I am in process of fixing to sue them folks. Sad how they destroyed my trailer moving it. I have video. It's unreal. Workers not experienced at all. See 21st in court. Cannot wait to show judge this co. major mistakes.

My pipes busted in my trailer back in January 2014.So the adjuster came out and gave a bid on it. My insurance company sent me the check about 3 weeks ago and now I can't get 21st to send it to me. They call me every day for payment on the trailer even when it's not due yet. They harass you nonstop. This is the worst company ever.

We have a loan serviced by 21st Mortgage. We have worked with many different companies and found them to be the most unaccommodating. Personnel are very unkind and not willing to help. We've tried to call twice to get our mortgage interest information from them for tax purposes. Both times we've been on hold for over 20 minutes without a response. A gracious email sent to them requesting help has not been answered yet either. If you happen to be late with a payment, they will call you incessantly and harass you until you've paid. I would rather pay my mortgage to a company that answers when you call and is understanding should a mitigating circumstance arise. You won't find that here.

I have dealt with this so-called mortgage company for the past 2 years. I have been through 6 so called customer service reps and 7 supervisors, all who have been very nasty to me and never seem to want to work with you. My payment is not due till the middle of the month and I am getting 3 or 4 calls a day to make sure that my payment is going to be on time. I was out of work for 6 months due to a medical issue I had from being in the military. I did fall behind on payments for a week or 2 but never did I fall a month to 3 months behind. 21st Mortgage would call me when I was 2 days behind and treat me like I am a convict, or I should say a prisoner. I had help come from Veterans programs to help me when I was down, but this company would say they would take my house from family and I if the payment was not sent in in the next few days after a call.

We had our mortgage transfer to 21st, and OH MY GOD!! These people are the worst. 1 hour hold time to talk to the operator, then 2 hours to speak to someone about your account. By Law there were suppose to send us a WELCOME LETTER Informing us about the change and our new account number, it's been 3 weeks and they don't even have us in their SYSTEM!! We don't even know where to to send our Payment, and when we ask they say "call tomorrow we should have you in the computer".... I JUST CAN'T BELIEVE THE FEDERAL GOVERNMENT ALLOWS FOR THIS TO GO ON!!

My loan was purchased by 21st Mortgage last year, I have never dealt with such a nasty company before. We always had a grace period the beginning of the month to pay our mortgage with the old company. Not with 21 Mortgage, after the first of the month be prepared to be harassed. When I answered they not only wanted to know exactly when I was going to pay them, keep in mind, it was the 5th of the month and they had no disregard that I was at work, but expect these kind of questions: "Why is your payment late? Will this happen next month? Where do you work, how long have you worked there, what's the phone number there? How much do you make, how much does your spouse make and work, do you get paid weekly or bi-weekly, how much are your monthly household bills?"

My existing loan was transferred to this so-called lame company. I have nothing but problems ever since it was transferred. They tell you to call to get information on your loan. When you call, they can only "MAIL" anything to you, not email, not fax, but MAIL. Their website is so 19th century that it does not even provide you with any information. Such a wasted company. I am not in works to move this loan to another reputable company. HEED THIS WARNING, STAY AWAY FROM THIS COMPANY. I've never seen such unorganized crap in all my life.

Well, we're having the same problem with this so-called mortgage company! And its true they don't tell you a lot of things! We got pre-approved then they kept on asking for more and more personal documents, then we go and sign the contract and a week later they tell us that, "No! You won't be getting your home after all! Because your 60 days are up." We didn't know that we had to have the home delivered within that time, and the salesman never mentioned it either! So we told them fine! If you're not going to deliver the home to us, then we need our down payment back! And all they had to say is that, "No! You're not going to get it back!" What the hell, is that even legal? Well we already have our lawyer working on it, and what everybody is saying about them is true! They're just ripping people off!!

This company is very nasty, I lost my job Five months ago and they talk very nasty to me till I hung up my phone. They will not work with at all. I'm about to just give up. All the complaints are true.

21st Mortgage is one of the worst companies I have ever dealt with, they are very unethical in the way they handle business. My advice to anyone who is considering using them as a loan company for a mobile home - Please don't, they are slum bags and will harass you forever and also if you authorize them to take money out of your account, they will illegally take more than authorized. This company is in the same category as a low life car dealership, and we all know how they are. They sell and repo homes to make money and will repo your home in the drop of a hat. We all go through hard times and these people are unprofessional in the way they react to their customer needs. Please stay away from these loan sharks.

We have been dealing with them for about 2 yrs now and we wish we had NEVER bought this place. Over the last few years, we have had some financial problems but the payments have never been more than 30 days late and it's only been a couple of times and they were ALWAYS caught up. This last time they started harassing me when my payment was 4 days late, it's ridiculous. I'm trying to find a way to get another company to refinance but because the house is valued far lower than what it was sold for and what is owed, we are having a hard time doing it. I would urge anyone to avoid this company at all costs. They are vampires disguised as a mortgage company.

This is the worst company I have ever had to deal with. We bought a mobile home through another company and ended up dealing with these clowns. They harass the hell out of you even when you're not behind in payments. And send you 3 or 4 letters at the same time not to mention being nastily talked to when you have the misfortune of having to do so. If you're late with a payment, they automatically send you foreclosure notices and more phone calls having to be talked to by 2 or 3 people. Our home burned down and we had to purchase a mobile home fast through Palm Harbor homes who have since went bankrupt and were sold a very cheap mobile home. The window blinds were rotten, the windows fall out, there is no insulation in the walls. The floors are falling in and we've had it only 2 or 3 years now. These problems were told to them when we got it and never addressed. I'm sick and tired of these nasty people and I don't believe they should be able to harass people the way that they do. We have been behind a payment due to wife being sick (brain Tumor, Heart attack) and their response was to start foreclose.

I was just informed that 21st Mortgage called my neighbors looking to get a hold of me. Now I am less than 30 days behind on my mortgage and just made a payment today that was posted and deducted from my bank account. I have requested a printed copy of what is left for pay-off and have not received anything from these clowns. To begin with I never signed my mortgage papers with them for they bought out the mortgage company I signed with and now I'm stuck dealing with these vampires. I work on the road and sometimes I lose track of my bills and what date they're due on but I always get everything paid when I'm home on my days off.

I have never done any type of business with 21st Mortgage. Nevertheless, they are taking me to court in an effort to take some land that I own. 21st loaned a large sum of money to a couple to purchase a Double-wide Mobile Home and some property in 2009. Now, 21st wants to foreclose on the couple. The problem is 21st Mortgage Corporation did not do their homework on the property. The property has been land locked since 2002. I own some of the surrounding property. Now, 21st is suing me not only for an easement. They are also suing me for some of my property because a road easement still will not unlock the couple's mobile home. I do not think that I should pay for 21st Mortgage NEGLIGENCE. I WELCOME ANY ADVICE. I'm going to have to get a lawyer. I am a Wounded Warrior with 26 years in the Army.

We purchased a home in August of 2012. We signed the papers in October 2012. We were finally able move in to the home two days before Christmas (with an open septic tank). In November, we received a call asking if we wanted to make the payment on 12/1, 12/15, or 1/5/13. Those were our only choices. It was our understanding that we would not be making payments for 45 days after we moved in. *Lies* We chose the 1/5 payment because with expenses of moving in mid-winter over 50 miles away, we didn't have much money left. The land was ours, free and clear and paid for - over 60 acres.

I was reading some of the posts, and they are so true. They have harassed me. They have been very rude to me. They will make you lose your religion on them. They don't pay the insurance on my home yet and still I had to send them the check for my repairs and they issue portion out to me like I'm a child. I had to spend money out my pocket to get my home fixed, before they would release my insurance money. Before I could finish my repairs, the same repairs had to be done again inside because it rain. They are some rotten people. And they still have insurance money that I can't get from them because 21st wants me to pay for the repairs out my pocket and then they want pictures or send someone out to look at the repairs. And then they will send out another portion like they pay my insurance and they don't pay it. Just one Mad Customer in Alabama.

Do not deal with these people. I called 3 weeks ago to have my pay dates changed and not take a payment out on the in between week. I sent them a Fax with this information also. They will not help you if you get in a financial bind. They are very challenged in understanding requests for service.

My husband and I attempted to purchase 2 repo homes that 21st Mortgage had advertised on their website and both times after we showed interest in them, they raised the price. This is consumer fraud. When I called them out on this, I received a phone call from James, a sales manager with the 21st Mortgage Re-Marketing Department. He was incredibly rude and condescending, and told me that I didn't know what I was talking about. He kept pointing out the disclaimers on the website stating that the price could change and that price did not include delivery and set up. I understand that it does not include delivery and set up to my property, but James stated that I also needed to pay delivery and set up from the original property to the manufactured home sales lot where I viewed this home. I told him that they should have thought about that before they go posting prices on their website. He stated that I could still purchase this home if I would like to. I told him that I would not be purchasing this home or any home with 21st Mortgage.

My husband and I separated in November 2010. I contacted 21st Mortgage as soon as we split up to request a modification on my mortgage. I submitted 50 pages of documents to request the modification. After 3 times of submitting the paperwork, I was told "NO", they could not modify my mortgage. Therefore, I lost my house and property, which the property was paid for free and clear before the home was placed on it. So I lost everything because of this nasty Mortgage company not working with individual who really needed it. They came to the property and demanded me out before the eviction date of Oct 1, 2012 and were very nasty to the point I had to contact the local police department. They were told not to harass me anymore and they were not to come on the property until after Oct 1, 2012 at 10:00 a.m.

We have been trying for several months now to help our son with his 21st Mortgage. He is going through hard times... a divorce and broken back. After months of my agonizing negotiations with them, 21st Mortgage finally agreed to reduce his payment while he is trying to sell his home. We were willing to make two payments for him so he could keep his head above water but they refused to accept two payments in advance saying if he could afford two, then he could afford the whole payment. "We" not "He" were willing to make "the" payment. I guess they would rather have nothing and that is what they got.

My husband's job hours changed and we lost a large part of our income. We called to make payment arrangements before it got behind and they refused to work with us and up to that point we were great customers. Eliza got on the phone and gave us 1 week and then 2 weeks and that is all they could do. We have 3 children and I am expecting twins and never dreamed we could lose everything when your husband works hard every day and still cannot make it. They are so nasty at 21st. First, we were not even 5 days late yet when they started calling family about us and we were in constant contact with them trying to get them to help. If you are thinking about 21st as your mortgage company, please think about the impossible happening because if it does, they will not work with you!!!

I originally bought my home in 2001, financed with Chase. In 2005, the home was transferred to 21st and the nightmares began. First, they took over the payment on the property tax and added that to my payment. Next, they took over the insurance and tacked that onto the payment. I cannot make a payment via their online or phone system; I must speak to Tom ** each month, and I am always asked when my next payment will be made... I make it on time every month for 12 yrs. and still, I am treated like white trash. I chose to live in this type of home for the inexpensive lifestyle... not because I can't afford a stick-built home. If you have any choice, pay cash for your home before you finance w/ these guys. I live in CO, so it doesn't matter. They treat all customers poorly!

This is the shadiest mortgage company I have ever dealt with - poor customer service and shady mortgage loan and non-transparent practices. You don't know exactly where your money is going. Monthly payments can change and they won't tell you even though it's a fixed rate. Their rates are high. Just financing with them will drop your FICO score because they are considered a consumer finance company, meaning for people who can't afford a mortgage to begin with. I am ordering an audit on my account through an external auditor to see if things are legit or not. I'm unsure why most of my payment is going to interest too.

I have had my mortgage with 21st for 7 years and have had nothing but problems from them. They are the worst mortgage company I have ever had the displeasure of working with. If they are your only choice, then I strongly recommend that you wait for another option. I moved and have been leasing my home for 2 years and due to my renters being late, I have had to deal with constant harassing phone calls more than 10 a day as well as texts and emails. I have endured being yelled at as well as threatened, verbal abuse and being talked down to. They also contacted my renters, threatened them and told them the amount of my monthly mortgage payment and told them they were going to foreclose on my home if they did not pay the past due amount. 21st Mortgage will resort to whatever means they think are necessary even if it is illegal, which is to discuss my mortgage loan with anyone. Beware! Do not use this company.

I have bought a home through 21st Mortgage. I have leukemia and sometimes I miss a lot of work because I am sick. I was two payments behind and I was trying to work with them and get my payments caught up. I even tried to move my due date and they refused. They will yell at you on the phone and treat you like you are a child, and they made me make all 3 payments within 14 days, and I had to come up with $2500.00 to save my home because they kept threatening me and to take my home. When I told them they are not very compassionate or helpful, the supervisor responded by saying that they are to people that are really sick. If having leukemia is not being sick, I don't know what is. I have had enough of these people already and now I plan to turn them into the attorney general’s office about how they treat people and how they are conducting business.

My husband and I bought a home in June of 2012. We didn't get to move in until late August due to the people that were working on seaming it together. But the first payment was due in August nonetheless. Now, we have lived in the house for 8 months and we need to replace the floors in the kitchen, baths, and laundry room. All we hear is, "Your 60-day warranty has expired," and there was nothing they could do. They had no problem calling me when I was one day late with the payment while at the hospital with my stepdad gravely ill. The attitude and rudeness I experienced was unacceptable and horrific. I would never recommend this company to anyone who is looking to buy a mobile home.

21st Mortgage Corporation does not have any compassion for people who cannot pay mortgage payments on time. I am less than one month behind in my payment and when I speak with them on the phone, they talk to me as if I am an irresponsible child and a piece of trash. They are a terrible mortgage company to deal with and each time I talk to them, they have no regard for my circumstances or illness. And today, I received an "Intent to Foreclose/Repossess" letter demanding I pay an amount of which 1/2 of it has already been paid. The letter stated that they had made several attempts to contact me by phone, letter, and/or mail when in actuality, I spoke to them only a few days ago to let them know that part of the one month payment would be sent a week later.

I had contacted 21st Mortgage about arranging my payment to be later in the month. I have been with 21st for 13 years and was in good standing with the company. I called to let them know that money would be short this month, because of a trip we already paid for early in the year. They transferred me to a manager and she began to question my decision about choosing a vacation over my mortgage payment. I explained to her that I have never been late and am in good standing but she became very aggressive and condescending. She explained that my mortgage would incur daily interest charges and I told her I understood. She then said, "Do you, really? Tell me if you do you understand, explain then to me what that means, Ms. **." I was so shocked. I told her I did understand and again it is my choice. I told her the vacation is already planned and I understand my interest charges will add extra money to the final payment.

21st has lost or, I believe, held my payments, then called and threatened my credit rating and demanded payments be made over the phone. Funny, this has now happened 4 times in the past 36 months. When I make the payment over the phone, mysteriously they seem to find my lost checks and they get deposited as well within 2 days. I have requested that they notify me when they do receive the so-called late or lost checks, and every time they have failed to do that. I believe that because their loan interest is compounded daily, they hold these checks to gain more interest from you and then when you have paid additional monies and they are ahead, then they deposit your so-called late or lost payments. They are rude and very unprofessional, and I would suggest finding another mortgage company rather than finance with 21st Mortgage, or even pay rent. You will be better off in the end.

After we decided to choose a repo home, spent time and money to go see it, and we were ready to get the contract signed, mysteriously someone came and wanted to buy the mobile home cash. Kellen ** stated that she did not know someone else was selling the same home. SMH long story short, we chose another repo home only to find out it can't be financed because they would rather fix up the home(s) and sell them at a higher rate rather than wholesale or as is homes. If they plan on fixing them up, why bother putting them up on their website? They are rude, unprofessional, and not a good business to deal with.

My late husband and I had a mortgage with 21st and it was a huge mistake. Everything was fine until he became ill and we became 2 months late on our payments. We were told we couldn't make one payment. We were told they would do a 10-day foreclosure. We signed the deed in lieu of foreclosure papers. We were never notified of a date to be moved. Everything we owned was gone, everything! I am disabled and my husband was a veteran. There were several things we could have done if we hadn't been lied to and we're heartbroken due to our situation. Now, I am in a horrible financial crisis. I have no home; I'm alone ... Thanks 21st; I don't even have wedding photos.

First of all, my mortgage payments have been automatically deducted from my account and have never been a problem. It is a relatively new loan, for a small amount. I never received any notification from my bank that my December 15 payment had been sent back for NSF, and I therefore assumed it went through as usual and went about my usual affairs. I receive numerous 800, 865, and other prefix calls per day, as I am looking to go back to school, and have looked into this online. My voice mail is inundated with calls. The first call from the mortgage company was 12/28, but they said it was "Anthony from 21st, return my call..." I'm sorry, but being a relatively new company to me, this was not verifiable as my mortgage company, and I didn't realize what or who it was.

Let me make this short. This company is the worst I have ever done business with in my life. They are extremely rude and unprofessional. All I was trying to do is change my payment date to 3 days later on the same month. I was up to date and always on time since I do automatic withdrawal. She was rude and kept wanting to know why I couldn't make it on that day. I asked to speak to a manager and she continued to ask why I couldn't pay. I asked time, over time, over time, over time to speak with a supervisor, no luck. I had to hand up after giving her a few choice words which fit her perfectly. Do not use this company!

My husband and I bought a mobile home back in 2008, 21st is our lender. In 2010, we had to move the mobile due to unforeseen circumstances. At that time, I was informed that although 21st would not be able to help us with a tag loan, they would most certainly be able to help us with the costs of our electric, water, and sewer hook-ups that we would need to put in, in order to place the home and make it a liveable situation. So, we moved the home, with costs out-of-pocket, and waited for 21st to help with our hook-ups.

My wife and I got our home back in Sept 2012, and so far, I really have nothing bad or good to say. It does appear that no one really knows what is going on. When I call to ask a question, one person says this and then the next time, another one says something else. I guess I am just old-fashioned, but I like it when I can see a person eye to eye and talk them days might be over with.

I'm behind one month on my mortgage. I have resumed making payments but am unable to pay the past due payment. Until today, I have had professional dealings with the company, except that they have unfortunately found it necessary to call, email and mail letters to me daily. It's as if they think that will make me produce the money out of thin air. They kept repeating (two names: Tommy and Jaz **) that they might be able to forgive the past due amount. Today, when I made my weekly call, I challenged them to prove they were really willing to do this. After giving them all my budgetary information for a second time, they refused to help me because I can't do the things that were suggested to cut my expenses. The manager, whose name I don't have, then proceeded to yell at me and treat me like a recalcitrant child. So, I sent them an email requesting no more contact and called a lawyer.

In 2007, I purchased a land/home foreclosure package from 21st Mortgage Corporation. A few years later, I learned that there was an encroachment issue. Our neighbor’s home is five or more feet over our property line and also possess a portion of our land. In September of 2011, I contacted 21st Mortgage and asked them what could be done about this. I let them know that the neighbors and I would be willing to do some kind of land swap to try and remove the encroachment. I was told that if that were to be done, we would need to pay for a survey and draw up all the paperwork, but that they would make no promises on what they would do. I left it alone until July of 2012 until I realized that I could not be refinanced or that I could not sell a property to anyone with an encroachment issue. So basically, I have been paying for something that I will never be able to sell if I wanted.

My insurance company (AAA) sent me a check for damages to my house. The check was made out to 21st Mortgage Corp. and me. I endorsed the check ($6451.25) and sent it to Travis at 21st. He said that I could not do my own roof and I had to use a contractor. I got a contractor (although I did $20,000+ improvements with no help from 21st) and the bill is $8,800 for my roof alone. 21st sent them a check for $4000 and kept the rest until the job was done. Why do they make interest money off my insurance check? Then, I got AAA to send me the depreciation check in the amount of $4,099 and it was made out the same way. That check is the depreciation for the roof only! 21st Mortgage is going to keep it until all the work to the entire home is done to their standards. Who owns what? I have paid $50,000 of down payment and mortgage payments over 10 years and just put $25,000 into improvements to my home and property. Who has more invested in this home and should control the money, 21st Mortgage Corp. or me?

This is the most unprofessional company I have ever had to work with in my life. I have emails sent to HUD regarding 21st Mortgage's behavior and recordings of them yelling at me, calling me a squatter, and telling me I need to get out of the house by the weekend because I have not made a payment. When I asked them what is the legal process of foreclosure because I know you can't just kick me out on a weekend, they hung up in my face. I was smart this time and recorded the whole conversation so it would not be a he-said-she-said in court (because I will be taking them to court). I even let the supervisor who was yelling at me know I was recording the conversation. He didn't care. He kept talking to me like I was garbage. He kept using bully tactics despite the fact that I said he was being recorded.

I am behind on a payment. I have Bone Disk Disease and just found out I have 6 vertebrae out and received my 1st injection yesterday. I am in the process of trying to get my mortgage modification and I called and explained it to 21st and all I got was yelling, degrading and the most unprofessional conversation I have ever had. I requested a statement of my payments and they refused. When I bought my mobile home, I took my retirement of ten thousand dollars for the down payment and I have an interest rate of 12.9%. I have never been treated so terrible in my life.

I have made my pay off on my mortgage on February 28, 2012, only to receive another payment book on March 1. I have written to the company, requesting status of my mortgage, but have not received any response. Whenever I have requested any response in writing, the company refuses to do so. All I want is my deed to my home, be rid of 21st Mortgage and their nasty employees.

My payment is 12 days late & they have made numerous calls threatening foreclosure, refusing a promissory to wire the payment on 12/30. They cussed my husband and insulted me more times than I can count in 1 conversation. She was screaming so loud at me that I had to hold the phone at least 4 inches away. She also started listing items purchased on my husband's debit card & told me to take them back. I feel like this just could not be acceptable to FDCPA standards. Horrible experience, in tears! Plain hostile!

In August of 2007, I contacted 21st Mortgage in regards to a property advertised for sale at 450 Cherry Branch Road in Crossville, TN. I submitted a credit application over the phone and a few days later, was contacted by phone and told that I had been approved for the loan. I was told at that time I needed no money down. Instead, I was to make double payments on the property for 6 months to satisfy what was delinquent on the property as well as keep current with payments from the time I moved in.

Lien was paid in full in June 2010. Title was mailed to incorrect address. When 21st Century was contacted, they mailed a "lien release" with names misspelled. When 21st Century was contacted again, they subsequently mailed another "lien release" to the incorrect address again. It has been three (3) months since the lien was satisfied and still have not received correct information as to be able to acquire a title for the manufactured home.

I purchased a mobile home through Paradise Home sales back in 2006 through Lucy (who is a very nice lady). She was selling it for a former worker of 21st Mortgage. The lady from 21st, whose name happens to be Missy, assured me the trailer was nice and in excellent condition! The mobile home was not on site to view, but they sent beautiful photos so I agreed to purchase it. When they brought the mobile home out, there were questions about certain things that weren’t done. I called 21st Mortgage and they assured me they would send someone out to fix it! They never did! I called again, they told me I had to speak to Missy, the owner of the trailer and supervisor!

We eventually moved from Louisville, Kentucky where the home is located to our present address in Illinois in March 2008. We put the home up for sale for $18,500. We still had a balance of around $18,100 with 21st Mortgage at the time.