21st Mortgage Harrassed by 21st Mortgage Knoxville Tennessee

My home is currently financed through 21st.  We are in the process of having it re-financed through our local bank. 21st is aware of this and cooperating 100% with us. Our payment was about to go 30 days late, but they are co-operating with us so that it does not.  They have always treated us fairly and when we were running a little late they have always worked with us.  All you have to do is work with them, and they will work with you!

Although the company handled how they responded the collections, since you were behind they could have saddled you with tons of fees and lawayers fees as well, if they already haven't. Mortgage companies DO NOT take partial payments, they want everything you owe and normally send payments back.

It is important to do research like the last poster said. My husband and I bought our home 14 yrs ago and took out what we knew we could afford. I am disabled and have been for years. I just had my 45th surgery and found out today I have to have yet another one. So you see I know all about hard financial times. However, my husband works 2 full time jobs and I help out with our business when I can. I know alot about the mortgage business and it is important to look ahead. Our payment has stayed the same cause we took out a fixed rate mortgage and we have never had a late payment. We have no credit cards, pay with cash and no CAR payments.

The fact that you have been late in your past will affect you getting a mortgage in years to come. Next time, read all your documents and look in the future. Keep payments affordable. Always keep an emergency fund and cancel credit cards if you have any. Sure life happens, however, your mortgage is your best investment! I hope your health improves, but your finances are ultimately your responsiblity.

I have had a loan with this company and never had a problem with them. If you pay your bills on time then maybe you could avoid the hassle of someone contacting you. If you show you are irresponsible....you will always be treated that way. When you sign the dotted line, you are making a promise to that company to pay the agreed upon amount on the agreed upon time. If you are contacted by them and don't return their calls...then yes they are going to continue to call. My advice to you and others is before you sign a contract, find out what type loan you are getting yourself into. How long are you going to be paying for it? Can you afford it for the next 20 years? Research....research...research. Sure it is easy to get online and file a complaint bashing someone else. Take a look at yourself, sure everyone has hard times, but take your responsibility in this too.

It is the policy of 21st mortgage to only address customer complaints in a confidential discussion with our customer. To appropriately respond to a complaint may require releasing confidential information, which is strictly forbidden under federal privacy regulations. We will attempt to contact the referenced customer to resolve this complaint.