21st Mortgage Corporation Coronavirus Forbearance Information

Servicer Contact Options

Arrange Payment:  800-955-0021

Mon-Thur: 8 am to 9 pm EST
Friday: 8 am to 8 pm EST

Online Portal:  21stmortgageonline.com

From Servicer Website

21st Mortgage Corporation – COVID-19 Update – A message from our CEO

The impact of the Coronavirus pandemic has brought about conditions in our society that we would not have imagined just a few weeks ago. The efforts of social distancing will ultimately help to limit the spread of this virus but most of you are likely already seeing the impact to the social and business conditions in your communities.

We want you to be assured that we are here for you. Our offices remain open and our dedicated support teams are available to take your calls and help you in any way that they can. We care about the impact that these unprecedented conditions may have on you and your family.

If you or a family member have contracted the virus, we wish you a full and rapid recovery. If you have experienced job loss or other circumstances that have impacted your finances, we may have options to help you stay current with your home loan.

If you need assistance or have questions, please contact your 21st Mortgage representative at 800.955.0021. You may also access our online resources at www.21stmortgage.com.


If you are experiencing financial hardships and are worried that you cannot make your scheduled loan payments, please call 21st Mortgage today at 800-955-0021 so that one of our experienced Financial Counselors can review the options that are available to assist you.

Available options vary with the unique circumstances of each individual, but some alternatives include:

  • Repayment Plans
  • Payment Assistance
  • Debt management programs with independent, non-profit agencies
  • Loan Assumptions


To help determine which of the available options will best be able to assist you personally, you will want to have various documents available during your discussion with 21st Mortgage. These documents include:

  • Tax returns
  • Recent pay stubs
  • Bank statements
  • Monthly bills
  • If relevant, medical or other unanticipated bills

If you have forbearance questions and would like to speak to a certified housing counselor, please call the Hope Hotline at 995Hope.org

CLICK HERE for 995Hope.org

Please ask questions or report your experience with this servicer below. Your feedback will help other homeowners navigate homeownership preservation options. REMEMBER: Ask for everything in writing to protect yourself against surprises.


  1. Marvin Stanley on June 6, 2020 at 7:07 pm

    What type of covid relief is offered in reference to mortgage.

    • Forbearance Report on June 7, 2020 at 4:22 pm

      The Federal CARES Act, which was signed into law on March 27th, 2020, provides certain protections for homeowners that are experiencing hardship due to COVID-19. The first step is to determine if your loan is federally backed. If your loan is owned by Fannie Mae or Freddie Mac or insured/guaranteed by FHA, VA, or USDA your servicer must grant you up to 180 days forbearance.

      If your loan is not federally backed, your servicer is encouraged to follow the protections provided to homeowners under the CARES Act, but they are not required to.

      If you are experiencing financial hardship due to COVID-19 and are afraid that you will not be able to keep current on your mortgage payments, you must contact your mortgage servicer immediately to discuss what options may be available to you.

  2. Linda Savoy on June 12, 2020 at 2:38 am

    How do I apply for this program

    • Forbearance Report on June 12, 2020 at 6:14 pm

      Linda, if your mortgage is Federally backed by either Fannie Mae, Freddie Mac, FHA, VA or USDA, your lender should allow offer forbearance just by requesting it according to the Federal CARES Act law that was passed on March 27th, 2020.

      If your loan is not federally backed, they should still offer you forbearance and are encouraged to not require any proof of hardship.

      The guidelines for 21st Mortgage states that you need to be prepared to provide documentation to prove you are experiencing a hardship. If your loan if Federally backed, documentation is not required to be granted forbearance.

      Step one, use these lookup tools to see if your loan is Federally backed:

      Loan Lookup Tools:
      Fannie Mae Loan Lookup Tool
      Freddie Mac Loan Lookup Tool
      MERS ServicerID Loan Lookup Tool

      Step 2, if your servicer is going to ask you for documentation, we recommend using a secure digital locker to easily access and share your financial documentation. It’s easier to protect yourself when you’re not emailing your personal financial information to your lender.

      You can sign up for a free, secure digital financial locker here.

      Step 3, contact your servicer and ask for forbearance.

      Now, it’s important that when you ask for forbearance, that you also have a conversation about what your options are for paying back the skipped payments and getting your loan back into good standing after the forbearance period is expired.

      Follow the instructions on this page for contacting your servicer.

  3. Cas Jimenez on August 21, 2020 at 3:41 am

    Are 21st Century loans FDIC insured?

  4. Misty Turner on October 2, 2020 at 4:40 pm

    21st mortgage does not offer this……guess they only care about getting our money all we wanted was to defer one freaking payment nope. Been on time for over 5 years.

    • Tina on October 23, 2020 at 7:13 am

      I agree Misty. Covid affected both my husband, my son’s school and myself which in turn cut us financially. They weasel and snake their word play to make it seem they are doing you a favor but really they are not doing anything at all!!

      They are doing nothing to help their customers in need

    • Eleanor Mallard on November 2, 2020 at 8:32 pm

      They are ridiculous…. don’t care whether you eat or have lights, and water…. Better have that payment though!!!! Covid or No Covid…, Biggest mistake of my life!!!!

      • Keith R Becker on November 7, 2020 at 2:36 am

        Did ever get any help, I just went through this same thing with 21st. Look for any information thanks , God bless

        • Krystyn on November 13, 2020 at 8:35 pm

          something happened to me today. They do not want to help you in anyway, just want their money. We have to feed, clothes and have electricity for our kids. How can we do that when my husband’s job is not working!

      • Linda F on March 15, 2021 at 5:51 pm

        OMG!!! Isn’t that the TRUTH!! They sent our payments back to us THEN told us we were past due!

      • Nadia James on May 4, 2021 at 12:07 am

        They are rude unprofessional and bottom feeders. All the things on their website are nothing but a pack of lies. The so called programs they offer to help you are a joke. I see so many complaints about them. They are nothing more than predators and think money magically falls out of the sky overnight

  5. Jacquelyne on November 17, 2020 at 4:41 pm

    I have been going through the same thing. My hours and wages have been cut due to Covid. I have been with them for over 9 years and they will not do anything to help. 21st Mortgage is a joke. They do not care about their customers at all. Ridiculous to say the least!!!

  6. Robyn L Devine on November 30, 2020 at 5:47 pm

    I have been with 21st for ten years. Definitely the worst company I have ever dealt with. Their website says they offer forbearance and assistance to help but they do not. Very rude and pushy. Good luck to all going through the same thing.

  7. Alisha Gordon on December 21, 2020 at 1:49 am

    We are going through this as well my husband hours was cut at work hes in the oilfield they told us we had till dec 28 to come up with x amount of dollars we cant even pay our light or water bill they call every day harassing me and my husband and when we tell them our plan they say it’s not there expectations

  8. Misty on December 28, 2020 at 8:04 pm

    21st mortage is a predatory lender that could care less of what you’re going through. I called in to ask about forbearance and I literally got yelled at and belittled and told they don’t offer any forbearance. We have been knocked down and literally kicked while we are down by this company. Its beyond me to think how heartless people are even in the wake of a GLOBAL PANDEMIC. You guys are the face of evil in the world today.

    • Christine on February 24, 2021 at 9:44 am

      I am 70 years old Misty and have been dealing with 21st since purchasing a manufactured home in Marshall Texas from Academy Homes of Marshall. I inherited homesteaded land from my parents in 2001. After 40 years in LA I planned on retiring to my hometown. When I returned in 2006, I purchased the home as personal property to be placed on 1 acre of the land. In March 10, 2021, I am being evicted from the house. I never put up any of my land as collateral nor sign the Statement of Ownership and. Location (SOL) recorded at the agency that governs all manufactured homes in Texas…some way 21st or the Seller attached the land as collateral without my signature in the SOL. I agree…they are a predatory lender who pry on land holders in Texas. I paid over $11k as a down payment. My original purchase documents has FHA in them but now 21st says the loan isn’t federally backed. I am struggling and not well. I have been fighting back in Pro se and no attorney in Texas will help me because I am a person of color with no financial backing. 21st reps are rude because they thrive on predatory lending practices for such a time as COVID19.

      Do you know who I can turn to stop the eviction? 21st is trying to kill me and perhaps others going through the same thing in the middle of this pandemic. And while predatory lending is not punishable by law…without the knowledge of the homeowner should be.

  9. Miguel on January 3, 2021 at 3:49 pm

    There’s no words to explain about this company they are by far the worst people and company ever I would recommend stay away if you could or find a different mortage company they do not help you if ur needed and call and harass you twenty for seven stay away there piece of crap.

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  11. Frank on February 10, 2021 at 1:01 am

    I have filled a complaint with my senator about possible noncompliance with the Cares Act

    • Marilyn Monroe on February 13, 2021 at 12:17 pm

      Honestly, they are the absolute worst! They’re very persistent in collecting their money, no matter how bad your situation is! We are in the middle of a pandemic, people are contracting this horrible virus & dying at alarming rates, and they have no morals nor decencies when it comes to working with you on payments while experiencing a hardship. I have been with them for 13 years and I was late on a payment due to hospitalization, they harassed me so much for that one payment to that that I turned off their notifications! Their staff certainly lacks proper phone etiquette & have the absolute worst attitudes. I recommended that any & everyone stay away from these devils! I also recommend that 21st Mortgage send their employees to etiquette classes bc they lack class! The government should slap hefty fines on corporations that don’t adhere to their rules and regulations put into place!

  12. Terris Boomer on February 13, 2021 at 7:25 pm

    21st Mortgage is the absolute worst company to ever deal with. I’ve been with them for two years and it’s been hell. They are very disrespectful, belittling, trash talkers and can less about your situation other than getting there money. I was out of work from the moment the pandemic started till November 30th. I was anle to get loss mitigation with a bargain of paying at least half for one month. Even then I was criticized and talk to like I was less than a person. I’m over this company and wanna sale just to not to have to deal with the disrespect every month.

  13. Terris Boomer on February 13, 2021 at 7:27 pm

    21st Mortgage is the absolute worst company to ever deal with. I’ve been with them for two years and it’s been hell. They are very disrespectful, belittling, trash talkers and can less about your situation other than getting there money. I was out of work from the moment the pandemic started till November 30th. I was anle to get loss mitigation with a bargain of paying at least half for one month. I worked a project that has now ended earlier than anticipated and dread having to deal with them. Even then I was criticized and talk to like I was less than a person. I’m over this company and wanna sale just to not to have to deal with the disrespect every month.

  14. Beth Smith on February 16, 2021 at 7:48 pm

    I wonder how many complaints that have been reported to BBB Better Business Bureau. And anyone and everyone SHOULD check with the BBB before making conducting any business with ANY business.
    I WILL be making a report on this company for sure. Everyday until something is done about this businesses unethical business practices.

    • Rebecca on March 5, 2021 at 5:49 am

      I am going to do the same. is even day email and calling has to be harassment.

  15. Jimmy on February 22, 2021 at 4:00 pm

    21st mortgage yes very rude and disrespectful

  16. Rebecca on March 5, 2021 at 5:47 am

    21st Mortgage people are very rude and don’t care . They email me everyday they say if I call we can try and work something out and when I call I get asked if food is more important than my house! There has to be something that can be done. These people are heartless and I wish I had never gotten a loan with this company. By far the worst ever!!!

  17. Leah on June 2, 2021 at 4:23 pm

    Does anyone know if they have some type of forgiveness program? My husband was hospitalized with sepsis and now they have some type of heart problem. They said he won’t be able to go back to work for a while although we aren’t sure on an exact time frame yet. He may have to have surgery he will need to go to the office daily for treatments. I know some loan companies have something set up for this. By looking at the comments, I’m assuming they don’t but figured I would ask anyway.

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