I will first state that my payment with21st mortgage was 10 days late at the time of this incident. I received a call from the collections department of 21st mortgage so they could ask when I planned to send my payment. The representative was polite but once her manager Renee got on the line to confirm the arrangement the conversation turned for the worse. I have never in my life been talked to with such disrespect in all of my life! The collections manager Renee would not accept an honest answer about the next months payment after she wanted me to tell her what kind of money or payment I would have a month from now. I told her I wasn't sure that I could definitely send the next payment on the 15th but that I would try and that wasn't good enough for her. She them implied that I was a dishonest person just because I was late on my payments, that I lie and since I could not guarantee the exact date of the next payment she informs me that they will expect daily communication. That's harassment! If I tell them what I know I can do and when I know I can do it, any questions beyond that is irrelevant to the issue I was called about. I would like to say again, Renee in the collections department of 21st mortgage is the most disrespectful, rudest, and worst example of a manager a mortgage company could ever employ. If mortgage companies would learn how to talk to people with decency and respect, they might would have better results in collecting delinquent accounts

Never trust 21st Mortgage company.. If you want to finance a mobile home RUN if you are sent to 21st Mortgage. I owned 10 acres. The only place I ever lived. The only land my children had ever known. Our home caught fire and we needed a quick fix and trusted 21 mortgage. My husband and I, financed an Oakcreek 5 br 3 ba through 21st Mortgage corp. Our dream home. Our floor started sagging really bad in the kitchen. OakCreek informed me that in our loan 21st mortgage did not add the 7 year warranty in. So even though we were told we had a 7 years manu. warranty. We did not. Noone would fix it. We were told it would be over $10, 000 to repair a 9 month old mobile home and put a foundation under it to prvent further damage. My husband had an accident and was out of work. We fell behind 1.5 months. They called daily. Called me a liar. Told me i needed to sell all my posessions to pay them. They had me crying on a daily basis. Told me how i did not care if my children are homeless. I gave up. I got a call from their so called respective attorney. He said if I were to sign a deid of lieu that it would not scar my credit as badly as a reposession. He said there would not be repo notices in the paper or repo signs put on my property. We signed and there are signs everywhere. And repo notices all over the web. I lost my home and my children lost 10 acres to play on. Don't let this happen to you. RUN far and FAST from 21st Mortgage. We have moved on and are very happy. So I can't complain about the outcome of loseing everything I had ever knew. See the sign on my gate and there are more at the actual house on the back of the property.

My husband had started a home loan with this comapny. Our first payment was due on 9/01. well they never took the auto draft out. we had called them to find out why they kept telling us that our loan has not been booked yet. we asked them when they would take it out they said that they would call us and let us know yeah right that never happened. we found out that hard way when it came out 24 days late. we called them yet again we were told that if the loan was behind that they could not do any auto draft. well that was a lie to b/c two weeks later it came out again. every person that i have talked to has been very rude with me yelled at me, has even told me to put the money in the bank now. They dont need to talk to people like that. we are the reason that those clowns have their jobs. They recently told my husband that if he didnt pay they were going to come after me for the loan Im not even on their. Thats not even legal. Im hoping that after a year with this rip off company that we can find another loan comapny that will treat people better. This is nothing but a bunch of ass hole that like to lie and threaten people family.

Our elderly parents were talked in to getting a Loan for a manufacutred Home, 21st Mortgage approved a Loan that has left them in Financial ruined. The Mobile home company that process the paper work did not follow applicable law and questionable behavior. I informed 21st mortgage and they Did nothing to investigate the potencial fraud. This Company should be investigaged by the FBI and THE STATE Tennesse ATTORNEYS OFFICE.

We have been with 21st since 2004. The honeymoon was great for the first couple of years. Then the list of financial issues you can't find in a horror fiction novel hit us. We started getting behind on payments trying to keep up with everything, including the skyrocketing cost of living. We began getting calls if we were two weeks late. They truly don't care, they just want their money now, regardless of your personal issues. At one point, we were about 3 months behind. They were calling my neighbors, my job and my wife's job. We both heard from co-workers about speaking with our mortgage company, because we were "behind on their mortgage and we are trying to locate" us. My parents have been called by them, her parents have been called by them, but best of all, they found my wife's ex mother in law who called us and said our mortgage company had better stop calling her, causing more trouble between her and her ex!

DO NOT try and tell me this is against any company policy! I have one set of neighbors, my wife's ex mother in law, and one of my wife's former employees who have told us they will say in court what these people have done. I would welcome a personal debate with any 21st employeess who will say I'm not being truthful.

Furthermore, we have asked time and again for them to work out a different payment schedule with us. We have been paying 12.25%. They have continuously rebuffed our efforts to save our home, saying they are under no obligation to modify our mortgage. My wife and I are now having to file an
emergency bankruptcy in an attempt to avoid foreclosure.