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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.
OPTIONS EXIST TO AVOID FORECLOSURE:
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
DOCUMENTS NEEDED TO DISCUSS THESE OPTIONS:
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
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.
What type of covid relief is offered in reference to mortgage.
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.
My husbands job filed for Bankruptsy in 2022. He has been unable to get gainful employment and we have not been able to pay November 2023 instalment. I contacted them to see what we could do and he advised and i quote “Ask family and friends to pay it for you”. keep in mind as of today it is not 30 days past due yet but called to see about forbearance and they were mean.
How do I apply for this program
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.
I have a mortgage through 21st mortgage company, I recently was diagnosed with papillary carcinoma and had to leave work due to this. I called mortgage company to ask if I could please have 2 to 3 months reduced rates and cover the escrow. Was made to go over all bills and asked about my tax return. Today was informed they will not work with me even though my bills are greater than our income and we owe over $4000.00 on taxes.
Are 21st Century loans FDIC insured?
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.
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
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!!!!
Did ever get any help, I just went through this same thing with 21st. Look for any information thanks , God bless
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!
OMG!!! Isn’t that the TRUTH!! They sent our payments back to us THEN told us we were past due!
They sent mine back too!!! FedEx it back to me!! AND THEY WILL NOT OFFER AND ASSISTANCE FOR YOU!!! I even had HUD go in a 3-way call with them and all they kept saying was “Nope” !!!!!
THEY WILL NOT FOLLOW THE PROTOCOL WITH FANNIE MAE OR FREDDIE MAC fed backed loans! Even though they are encouraged to do so by the President’s new pandemic relief!!!
There are still options! Get an attorney! File bankruptcy!! Then they get nothing!
They sent mine back too!!! FedEx it back to me!! AND THEY WILL NOT OFFER AND ASSISTANCE FOR YOU!!! I even had HUD go in a 3-way call with them and all they kept saying was “Nope” !!!!!
THEY WILL NOT FOLLOW THE PROTOCOL WITH FANNIE MAE OR FREDDIE MAC fed backed loans! Even though they are encouraged to do so by the President’s new pandemic relief!!!
There are still options! Get an attorney! File bankruptcy!! Then they get nothing!
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
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!!!
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.
I also have 21st. Lived in my manufactured home for over 20yrs. I fell behind during this pandemic and applied for Rent Relief through Housing is Key. Unfortunately due to this BS security agreement with 21st they paid my past due rent on my behalf instead of waiting for my rent relief application to process and get paid. Now they repossessed my home, sold it at private sale to themselves for probably less than a he $63,000 I owed (leaving me with $0) and also expect me to pay over $20,000 to reinstate my loan and get my home back. I truly hoped this moratorium would have protected me but unfortunately it failed to do so! Now my 6year old daughter and I are fighting not to be homeless!
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
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.
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.
21st mortgage will not work with you for any reason. They try to foreclose at 30 days past due. They refuse to help and once you are being They shut off you being able to pay online and want you to western union it and that cost another 50 dollars! They are rude and unprofessional. They have it where if you file a chapter 13 you cannot include it except what you are behind on then they give your lawyer all kinds of grief! They make it very hard. They do not care that you have a collapsed lung and a failing heart. They have no programs to help. Why has the government not invest aged this mortgage company?
That’s because this company is backed by WARREN BUFFET.
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.
[…] 12. 21st Mortgage Corporation Coronavirus Forbearance … […]
I have filled a complaint with my senator about possible noncompliance with the Cares Act
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!
We should all do this!!! This is not fair!!!
Girl 21st dont care if you are dead they still want that money
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.
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.
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.
I am going to do the same. is even day email and calling has to be harassment.
21st mortgage yes very rude and disrespectful
I say we all put a lawsuit on them
Yall we need to band together and sue their asses. Who wants to go at it
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!!!
I agree call the better business Bureau.
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.
21st Mortage sucks… they do not care what your situation is you better make that payment on time… I am 13 days late and gonna be paying my payment in 3 days which will bring it current… when I talked to them about 5 days ago they told me to sell my Grandchildren tv or any other values I may have, or borrow the money from a relative..I told them I was not doing any of those things!! And they said they would move forward with further action.. I said whats that mean they could not explain. I am like look by the time you get your attorney and draw up paperwork the payment will be current….They are scum suckin, loan.sharks that stop at nothing…
And I thought we were the only ones dealing with this so called business we had our home only 4 years never had problems till the covet 19 hit they are rude they told me the other day we’ll what is your long term plans I told her I can’t think long term it’s week by week I’m the only one working and they suck .. there has to be something we can do every comment I’ve read are people in trouble not one has a positive comment.please let me know if anyone has a good plan
[…] 10. 21st Mortgage Corporation Coronavirus Forbearance … […]
I only need until feb 1 to pay my past due plus next pay and they don’t care at all. Well they want a home infested with mold and warped floors more than they care if we survive. I loved dealing with them in the beginning! Thought how great they were but they don’t care guess they never did.
[…] 12. 21st Mortgage Corporation Coronavirus Forbearance … […]
[…] 12. 21st Mortgage Corporation Coronavirus Forbearance … […]
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