21st Mortgage
Reviews and Complaints

I have an escrow account with 21st for my property tax and insurance. Submitted my property tax bill, and this is the response I got via email. The bill you sent was for your land...$xxxx. You will need to pay this bill.

Very frustrated! This is a tax bill, but they won’t pay?

The verbiage on the site says:

Will you escrow property taxes and insurance for my home only or land & home loan?

A. For all 21st Mortgage loans, we escrow an amount each month to pay your annual property tax and insurance obligations.

This mortgage company is one of the most rudest and disrespectful company I have ever experienced. If I'm late they will chew you out disrespectfully and make you feel real small. Then I received a call from them and I didn't return the call but man they wanted why I didn't call them back and they kept stating that I hung up on them and stop coming up with excuses. What in the world! These people are so unprofessional.

I have had nothing but terrible experiences with this company. I was behind some time back and when I was getting caught up, I called and the person on the phone puts you with a "supervisor" who has to approve the payment arrangement. This person was so rude. She kept asking, "What's your plan? What's your plan?" Nothing I said appeased her and she told me that they would not work with me again if I got behind. I asked for her supervisor to make a complaint and never got it (I still have that email asking for it by the way).

So a new scenario is I had to change banks. Had no problem adding the new bank info to my account online, but when I notified them, I was told that I had to supply bank letterhead or a voided check in order for them to update the auto draft. Really? It says in black and white on the website that it's there.

I can't wait to be able to refinance with someone else.

Me and my husband purchased a home thru 21st mortgage is 20202. Agreement was partial payments every month. I've been paying then husband lost his job did a loss of mitigation in April this year for 3 months. He recently was in a wreck and flipped and totaled his truck with no insurance on his vehicle so we r down 1 car. He had to have surgery and surgical pins put into his arm last week. I couldn't pay mortgage last month then over the weekend we get a intent to foreclose on our house for 30 days last. No one is willing to work with us, they are being very rude and in appropriate saying to move out and sell my home etc. I don't plan on doing any of that I've worked to damn hard for my home and family to just give up. Yes life happens things don't always go as planned and people need to understand that.

Worst people skills ever!

I called to get an understanding of when my payment would be considered late on 9/12/2023 the customer service representative who was very rude and disrespectful made a easy question and answer a back and forth that was getting worse by the minute until I finally ask to speak to a supervisor having no idea that his supervisor was even worse than him no feeling is worse than dealing with disrespectful wannabe thugs who you owe money too ended with me telling both of them to kiss my you know what never again will I call 21st it is what it is and will be what is going to be .

Worst customer service I have ever seen since Triad Bank sold my account to these people. When I'm late in making my payments and even paying my Mortgage with the late fee, they don't stop calling and when they say they can help you they yell at you and ask you very compromising questions about your personal life. I don't recommend them I wish Triad Financial would be my bank again.

I used them as a lender for my home a few years back and I really regret it. They were awful during the entire loan process, I still remember feeling like a shell of a human as the man was going over my payments and credit. My credit score was around 670 (not awful but could be better) and he was like we are doing you a favor because your score really should be in the 700 range. Doing me the favor with my 10.4% interest… for a mobile home with 10,000 down and total purchase price 38,000. I had never bought anything before and just didn’t know, but I saved 10,000 for a down payment which took 15 years. That was 8 years ago and they have been just as awful as I would expect. My loan payment is $465, I’m behind $141 from last month (July) and I haven’t been able to make the August payment. Mind you I have to make payments via western union because they won’t let me make payments on their online portal because I haven’t been answering calls or responding to emails. Well I haven’t been answering your calls or emails because you are just mean. Tucker “definitely want you to communicate with us but no mean words coming from me” right that’s what your supervisor is for. Good cop, bad cop. They also don’t let you make partial payments so I western union payments, having to pay an extra $25, this way I can actually make some payment. I made a payment 6 days ago to get me close to caught up but I’m still behind $141. They would like me to barrow the money from someone to make that $141 payment immediately and then told me I need to make my August payment of $465 by the 18th. I told them my spacerent is due and it’s $1900 and my pay check is only $2000 and I’m negative $17.35 currently. Im a single mom of 3 living in Southern California, gas is over $5 a gallon, my groceries have tripled, my child care bill has doubled, I have a car payment (it’s a 2017 van), I have canceled every other service except internet. These guys don’t care. They are relentless. They call and email non stop and when you do build up the courage to talk to them they treat you like crap. I can’t believe how I was just treated, I’m still crying. I’m behind by $141 and I told them my plan is to catch up next month with my 3 pay checks, even though I have my car registration ($279) also due I’m still trying to catch up. Nope not good enough, you need to barrow the $141(legit asked me to barrow money from a friend or family), make that payment by tomorrow and then make August payment by the 18th. They are so degrading and this isn’t the first time I have literally started crying because of how humiliating they are. I hung up. I answered all their questions 10 times over and I knew when Tucker Edmondson said please hold while I make these notes, I should have hung up because next a supervisor gets on the line and they legit make you go through all the questions again picking apart everything making you legit feel like you are no one. Do you think people don’t understand the importance of making their mortgage payments? He kept saying this is your mortgage and you need to prioritize making these payments. I think most people do and it takes courage to say I’m struggling. I have had a mortgage with them for 8 years and only asked for help during 2020, still made all my payments just made them in smaller payments. They were forced to help people then and even then I remember being spoken to like crap. The supervisor even said you have made all your payments on time till this past October. Yep because I do understand it’s important and if I wasn’t bleeding money just to get to work and pay for food I’d likely be able to continue making on time payments. Needless to say they are sending me a letter of default because I’m behind 2 months.. That’s the $141 from last month and August payment. It’s August 10th but I’m behind because it was due on the 1st. Please do not barrow from them. They don’t care about you and will make sure you know how worthless you actually are. They actually seem to enjoy how they treat people too, the excitement in his voice as he’s humiliating me was hard to miss. I just imagine a giant call center with a white board on the wall with names of employees and slash marks under each of how many people they made cry and humiliated. Please do not put yourself in the position I am, barrow from someone else. I promise these people will make you regret it.

Your representatives and supervisors for collections ate rude nasty and out of touch with time. They are dismissive to their customers needs. Never knew a company to send an account to collections after 4 days but the fact that out of 5 representatives and 2 supervisors only received quality service and information. I WOULD NEVER BUY A HOUSE IF YOU GUYS WERE MY ONLY LENDOR. Was trying to assist my mother and everyone was so disrespectful and passive aggressive.

I am behind and attempted to make a partial payment 2 different times I was refused they would not allow me to make a partial payment the Customer service representatives are loan specialist we're extremely rude Criticizing me and berating me and asking me why I was late after I had answered the question 10 times continuing to tell me how worthless I am because I was behind all my payments and I was attempting to make a substantial partial payment which I was refused

I have been behind on my payments, struggling for sometime. I have called numerous times as instructed from letters to only be belittled and talked to like I am a dog. I feel bad enough that I am behind and have asked for assistance and have not been offered anything even though in the letters I received said we are here to help you, give us a call. I do not want to loose my home and will pay 2 payments on wed and 1 pmts on 6/15, that should leave me 1 month and I can make 2 on 7/1. It would be nice to receive some kinda of assistance. I have lost 800 a month recently and it has really hurt

This company is a pretend lender. They cannot lend money! My SS account was the creditor! My so called Loan was paid in full at closing! 21st Mortgage is a 3rd party debt collector…a fraud! They have securitized my note and sell/trade daily (Mortgage Back Securities). 21st and their investors make millions off trading my signature! 21st Mortgage is owned by Warren Buffet! It is Identity Theft! I am entitled to all money made off my signature! I’m seeking a forensic audit!

We are 12 days behind on our payment, my wife received a call and she answered letting them know that the payment will be sent on the 21st of this month! They continued to say that we needed an extension which we didn’t ask for one, we just let them know that the payment was going to be sent on the 21st. The lady then put her on hold and put her manager on the phone. He then started harassing my wife about our money that what do we do with it and such which is none of his business. he kept saying they won’t be able to take our payment and such and threatening us with not taking our payment but wouldn’t answer our question as into what will happen since they aren’t trying to take our payment that’s not even 15 days late. He continue to try and belittle my wife and talk down to her which is very unprofessional! When asked what their plans were he wouldn’t give her answer. Which doesn’t make sense what the phone call was about but my wife was just letting them know the date that the payment will be made to keep communication with them. Needless to say Federal law says 120 days delinquent i'm not even 30 days delinquent. What I am thankful for is the fact that every phone call is on a recorded line. The fact that they didn't understand is that some people work in law and has an understanding of law is beyond me.

But thanks for your ignorance.

We were talked into putting our land as collateral for our manufactured home. We recently tried to put our boys with us on the deed to the land for estate planning purposes with life insurance to pay off loan in the event something happens to us. This land has been in our family for over 200 years. But we were informed should something happen to us, the home and land goes to 21st to be sold. So as a result Our home is now for sale and must be moved. Had we known this would be an issue we would not have done this. We did not think this would be a problem. As a realtor I have seen this done Countless times.

The claims division visited my property after a string of catastrophic storm. I heard a lot of noise from the roof that appeared damage. I hired a roof inspector and he confirmed the roof damage and intrusion of rain at outer roof line and vents. When the insurance adjuster visitwd they denied any roof damage and acknowledge only $300 wind damage to under pinning. They denied any roof damage. Then...they were advised of the roof inspection and recorded damage. The claim department then authorized new roof. Nold roof was not repairable. 21st Mortgage will lie to you. I am certain many claims have been fraudulently denied so claims are denied. The claims adjustor failed to go onto roof for proper inspection. No telling how many claims they have denied. Again I have found them dishonest and the customer service is self serving and disrespectful.

I applied for a home loan. At first they approved my application. Then they ask me to send them additional documentation. I did. Then they denied my loan and offered me lesser amount. I call the loan originator, he told me I lied about how much income was on application. I did not lie; I didn't know what they were looking for on the tax return. Then I let my tax preparer talk to him and he rudely told her they are looking for income without expenses. My tax preparer ask if we could send a year to date to show how I made so far this year. He said anyone can put anything on a year to date document. He made me feel that I was liar. This my first looking for a home and very disappointing experience. October 25, 2022 11:45 am.

We are in the national disaster of Hurricane Ian and suffered huge damages although our house in and of itself is livable. After the electric came back on (7 days without) our air conditioning was fried. It was 94 degrees here and my husband is 78 and disabled. I called the insurance and the adjuster said I could pay out of pocket and get reimbursed 6k. BUT the check would be payable to 21st and us so there would be a delay. I also have a leaking roof but no more funds to fix…and this is rainy season! I called 21st and they were helpful and told me to have insurance mail them the reimbursement and they would turn it around in 24 hrs. 3 more phone calls between insurance and 21st to confirm arrangements. It is now 3 weeks later and STILL no reimbursement! This past Monday I spoke to a supervisor who swore she would expedite this and send out check overnight delivery, hopefully within 24 hours. Still no check today and when I just called she is not in and file shows no additional notes. I asked for a manager but no one has called me back. They are the most heartless, uncaring, do nothing company I have dealt with during this whole disaster! Their Facebook page does not allow comments and I can see why! We have never been late, never had a reason to even call them. Shame on such a heartless company!