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21st Mortgage

United States,
Mississippi

Consumer complaints and reviews about 21st Mortgage

Paula Bain Send email
 
Feb 23, 2012

Need Help

In 2006 I bought a new double wide. I put down 25, 000 but my interest rate was 13% told if paid timely payments for two years could refinance get lower rate. I have applied every since 2007 sometimes twice and there is always an excuse. My crediting rating was low when they approved the loan yet that seems to be there reason not refiance. Sometimes my credit score is low simple because information came off the report. Upon purchase the dealer failed to advise me about a foundation required to get a Hud loan. I was not even given that opition they just automatically used 21St mortgage. Now I can not get in govt modicafions or help because of the foundation issue. Having I put down 25, 000 I could have paid the 1500 for the foundation right then. I'm on disability and it really hurts.
SUESUE2010 Send email
 
Feb 23, 2012

Need Help

My husband and I purchased a mobile home through 21st mortage and we were newlyweds buying what we thought was right at the time. We were told at closing we would have 13% interest rate, but could refinance in two years if we had made perfect payments for that time and with no money down. It has been three years now that we have been paying automatic withdrawal perfect payments the whole time. I called recently to see about refinancing for a lower interest rate and was told that I would have to pay 7500.00 to refinance and it would only bring it down to a 10% interest rate and thats if they decided to refinance for us. I asked what my balance was and I was told 74, 000 and I thought that cant be right so I had them tell me what the beginning loan amount was 3 years ago and I was told 76, 000. I asked how can that be we pay 983.00 dollars a month and we have not even made a scratch on our home loan. So I am needing help badly someone please tell me what can happen if we just walk away from this. If we purchased an actual real home before we leave this trailor can they take that? My husband and I are young and have worked hard to have great credit and I do realize that will be affected, but 21st mortgage has done nothing but lie to us. We had every intention to refinance within the time frame do have a decent monthly payment but this is crazy. Can they garnish my husbands wages? I really do not know what to do, but I cant imagine keep paying 983.00 a month and it just goes to them and not making a change in my loan amount at all?? Someone please answer soon and help. Thank You I live in MS also.

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