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!

  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.

  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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