Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
My name is XXXX XXXX I am a XXXX veteran and I bought my manufactured home back in XXXX with a loan through 21st Mortgage. I have paid this mortgage as agreed for XXXX  years but my partner and I have been going through significant health issues which temporarily increased our expenses and put us into a hardship that led to missed mortgage payments. We are very concerned about the way that 21st Mortgage has handled our account because we were up front about our problems and asked for help and they turned their back on us. There are many complaints about 21st Mortgage online and they talk about how this company does not follow the rules and guidelines to help distressed homeowners and how these actions are wrong. When we were behind XXXX months on payments we tried to call in to make a single monthly payment and were told sorry, we will not accept anything less than the full past due balance. When we asked if we could be considered for help by putting the past due payments at the end of the loan or getting a modification or repayment plan we were told sorry, that is not possible. We have never received any loss mitigation assistance from 21st Mortgage and dont understand why they would turn your back on us and threaten foreclosure. 

My partner XXXX has had significant health issues since XXXX when she had to be hospitalized for issues related to her XXXX. In XX/XX/XXXX she was exposed to XXXX and had to go into the hospital again for 4 days. The following month she was having difficulty breathing and was rushed to the hospital and had to undergo emergency XXXX since the blood clots were affecting the majority of her XXXX capacity. She was in bed for a good month. We are on a fixed income and these different incidents led to increased out of pocket medical costs as well as extra medication costs. I am a XXXX veteran and in a wheelchair and XXXX daughter had to help us get to our medical appointments and errands while this was going on. We were not able to make the XXXX payment on time, but then were able to get caught up the following month and back into good standing. Shortly after that her daughters car broke down and we had to help get a working car going for our family. Because of all these increased costs we wiped out all of our savings and were falling behind on all of our bills. 

In XX/XX/XXXX we were not able to make the monthly mortgage payment to your 21st Mortgage and needed some time to get back on our feet and we contacted them in XXXX to make our regular monthly payment. Their agents were very rude and said no, we will not take a single payment, you will have to pay the full past due amount plus fees. They said if we do not pay this back in XXXX lump sum payment we are going to put you into foreclosure. We asked if they would consider a deferment or modification or some type of repayment plan and they said No, we dont do that and hung up on us. I believe that this behavior is inappropriate and I also understand that this company DOES offer loss mitigation options for distressed clients. Their failure to consider us for any type of assistance is evidence of unethical servicing practices, that is why we contacted your organization to file this complaint. We are now receiving threatening letters and emails from 21st Mortgage every couple days telling us they are going to foreclose on our home if we dont pay them immediately.

Company response to consumer: Closed with explanation