I am so glad that I found info on this site about 21st mortgage. I have been contemplating about getting a refinance loan through them. I called to ask a few questions and the guy on the phone did seem like he didn't have time or didn't care. He acted as if I were bothering him and told me to just go online and fill out an application. I should have known that they sounded too good to be true. The info on their website seems like they are the answer to mobile home loans. Oh well!

I don't know who the manager is I've dealt with but her & the other lady are complete bitches. I have never dealt with a company like these people if your 1 day late they will blow your phone up it's ridiculous & what's bad my name ant even on the house its my boyfriends & they tell me I'm just as responsible for the notes as he is. They have asked me how much child support I get a month that's none of their business we was 18 days late making payment & I was told they was coming to get it. They even asked how much freaking tax money we was getting back. Well after the payment was made & the next months payment were ahead don't owe till April they still acted like assholes asking me if the home was vacant okkk what does that matter they got their money so why do they wanna know if anybody is staying in it @ the time. Last year @ this time we owed 18000 on a 1997 model which is a dump when we called few weeks ago to see how much we still owed its only came down 1000 bucks & we have paid 4300 in this past years time you tell me what the hell is really going on... Paid that much in a year & its only came down 1000 bucks lets get real here people this company is a complete ripoff & if everybody they doing this way would get together hopefully we could stop this mess!!! Were @ the point now soon as we can find something else we will either try to trade it in towards another one or just let it go back

About 10 yrs ago I heard a advertisement to refinance my home for a lower rate, That was 21st mortgage, they denied my request. Then next thing I know 21st has bought my loan form Chase !!! Now I have to put up with constant harassment from 21st, they call constantly, sent threatening letters, they try to put there insurance on my home, calling my family, friends and even at work. I am rarely more than 2 wks late on a payment, but when you get to the 10th day late, they really turn it up, and get nasty & rude, hateful, just plain awful ! ! I don't know how it is legal for 21st to assume my loan without my permission then harass me on a consistent basis, They use illegal collection practices, calling at work, ect I have been dealing with these crooks for 12 years. I would like one of them to come to my home and try to talk to me face to face like they talk to me on the phone, NO RESPECT I do not recommend anyone to do business with 21st Mortgage or their insurance company. They are thieving, disrespectful, greedy, it is because of companies like 21st that we have a mortgage crisis.

Totally agree. My mortgage was originally with Chase and they sold it to 21st. They harass and lie. After purchasing my home, I've had a heart attack and gone downhill. I am still working but am continually falling behind. I usually pay about 2 weeks late. I just have to ignore their calls but then they start calling my job and my elderly parents. They want to know all my personal details so that they can tell me what I can afford to pay! They tell me to borrow the money. They tell me I'm not trying hard enough to borrow when I tell them I have no one who can lend me money! They suggest I go to food banks instead of buying food. Go to churches in my area and beg for help! I could go on all day! But I won't.
I am actually considering just stopping payment's and just giving it back to them because the stress is affecting my health adversely. I have other options to live if I do this. I'm just afraid of the repercussions.What they can legally do to me.