Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (FL)

Our mortgage payment, taxes and insurance all are included in our payment. It is clearly written in our mortgage closing statement. I was sent a new taxes bill for the new year and in that was a delinquent notice saying the taxes had not been paid at all since we moved in, or had the home built. I have been paying in so why are they not paying our taxes. The tax collector also said they have not made an inquiry about taxes for this year, she said it looks as though they have no plans to pay the taxes this year as well. We have been trying to refinance because our interest rate is almost 11 %, they do not offer XXXX or modifications my only option is to refinance. I was told we could do that in XXXX. When I called and spoke to XXXX, he informed me that we are XXXX payment short we are at XXXX payments and need to be at XXXX, which is understandable. He also stated, I recorded the phone conversation because they lie and like to back step on their words, he said we would need a substantial down payment or I would need to attach my land to the mortgage. I am not doing that. There is also a clause in the mortgage that says if borrow becomes legally unable to manage borrowers affairs they have the right to take our home. My husbands XXXX is progressive. XXXX. He did have XXXX XXXX but that was to XXXX and to stop XXXX. My husband is on XXXX due to a XXXX injury and XXXX XXXX injury that occurred before we got the mortgage. He does have problems daily.We need to see if this is legal in the state of Florida. They also have not sent us a yearly break down of where our payments go as required by law. The tax collector has reported us to the credit bureau and I am having a hard time getting another lender to refinance us because of that reason. They have threatened us almost every month to take our home, this causes alot of stress and mental anguish on my husbands part. We are in DESPERATE need of help fighting this corrupt mortgage company. I googled them and found XXXX website had over XXXX complaints. They claim that all phone calls are recorded but they are not. I have stopped speaking to them on the phone for that reason and I only correspond thru email or regular mail so there is a paper trail. Can you please help us. I cant sleep anymore. I am scared they are going to come and take our home. Please help us find out where our escrow money went. I asked on Friday for them to send me a break down and I recorded the phone conversation as well. It seems as though they are trying anyway they can to take our property and home from us but seeing as the property is not attached they now want to make it impossible to refinance unless I attach the land, or they are not paying the taxes so we will loose the land. We are speaking about 21st Mortgage company. They are the rudest, most disrespectful group of people, XXXX XXXX, XXXX and XXXX XXXX, those XXXX are the WORST. They say there is no supervisor and they call and email and text over and over and over. We have an agreement, they know we get a XXXX check on the XXXX of every month, they know we will send the payment AS soon as the check comes, but every month we go thru the same thing. The disrespectfulness, the meanness, rudeness. By the time you get off the phone you are hysterical in tears. They are THE ABSOLUTE worst company to have to deal with and we are limited because we have a manufactured home. Make sure you record ALL of you phone conversations because they will say XXXX thing and do another. They actually told me to disconnect my cell phone, turn off my cable and to go with out food in order to make my payments, but unknown to me they have all this money that I could be using for food just going in their pockets because they are not paying my taxes. This is just awful. Please pray for my family.