Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
Ongoing Unresolved Home Repair Issues Request for Immediate Attention To Whom It May Concern, My name is XXXX XXXX. I purchased a XXXX XXXX home in late XXXX through XXXX XXXX in XXXX, FL. Since the initial setup, there have been multiple construction-related issues, which I reported to the seller over time. While some of these were addressed, the situation has significantly worsened, resulting in mold, water damage, and health concerns for my family and me. 

Initial Concerns ( XXXX ) After the home was delivered and installed, I noticed cracks and missing trim where the two sections of the house were joined. XXXX XXXXXXXX sent a team to make basic repairs. 

In late XX/XX/XXXX, I began to observe mold and condensation build-up in several areas of the house, including : Electrical outlets and panels Sinks and range hood Bathroom walls and behind shower inserts HVAC vents and ceilings I contacted XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX and spoke withXXXX XXXX ( Customer Care Coordinator ). I provided photos and detailed information. The main AC unit had failed due to old coils, and we had to use a portable unit. An inspection later identified the failure as amanufacturing defect, and XXXX XXXX confirmed that repairs including a new AC and furnace ( installed by XXXX XXXX XXXX XXXX, FL ) would be covered. 

At this point, XXXX XXXX XXXX and XXXX XXXX XXXX or XXXX XXXX ) also mentioned that it might have been cheaper to provide a new home but never explored or escalated that option. 

Major Repairs and Damage to Home ( XXXX XXXX ) From XXXX to early XX/XX/XXXX, my family and I lived in an RV on our property while extensive repairs were made. This included : Removing and replacing cabinets, baseboards, and bathroom fixtures Replacing flooring from the hallway to the kitchen, and in the master bathroom Patching a leak behind the shower wall multiple times due to poor tile work Adding minimum small 4-5 foot joists without removing old soaked insulation Leaving debris under the home and failing to properly ventilate by not properly venting the underbelly Despite assurances from XXXX XXXX that the insulation would be replaced, this was never done. No proper cleanup or drying occurred in critical areas. 

Continued Issues ( XX/XX/XXXX Present ) By XX/XX/XXXX, new problems had emerged : Soft spots under the newly installed laminate flooring Bubbling paint and visible mold Condensation in the laundry room, around outlets, condensation in the electrical panel and mold in the range hood I again contacted XXXX XXXX. She sent out a contractor, XXXX XXXX XXXX, and her husband. While XXXX worked diligently, her partner ( recovering from surgery ) was unable to assist. XXXX identified the following : Black mold under the new flooring Range hood improperly installed ( fan tape never removed ) water inside electrical boxes and mold in wall cavities Leaking master shower ( underneath ) Mold on floor joists and decking under multiple rooms to include new decking Photos and documentation were taken during this visit onXXXX XXXX, XXXX. 

A few days later, XX/XX/XXXX abuilding scientistand builders inspected the home. Their interaction was limited, and they focused mostly on unrelated topics. To compare my home and other jobs in surrounding areas. The building scientist used a remote-controlled camera system to inspect under the home. One staff member commented that this wasthe worst they had seen.

They also noted : Bulging floor due to poorly joined decking Poor airflow in the master bedroom HVAC vent system possibly oversized for the home Inadequate attic insulation Communication Breakdown and Lack of Transparency I followed up several times to receive the official inspection report. The first I heard from anyone wasXXXX XXXX, XXXX, when XXXX XXXX informed me that the inspection blamed ourwindow unitfor the issues which is inaccurate and dismissive, considering the extent of underlying mold and structural problems. 

Despite multiple requests, I still havenot received the inspection report. I was later told byXXXX  XXXX XXXX email that the report had not yet been provided by XXXX XXXX, despite XXXX XXXX and XXXX XXXX XXXX  stating otherwise. 

Final Request for Resolution As XXXX  veteran, I am extremely disappointed with how this situation has been handled. We are now facingpotential health risks, XXXX  and XXXX XXXX, with a new born in the family can not be in this home, due to mold and poor air quality. Our home, a {$250000.00} investment, has been systematically damaged by faulty construction and careless repairs. 

I am formally requesting : 1. A full and transparent release of all inspection reports and photos 2. A new full inspection by a neutral third party picked by home owner 3. Immediate remediation of all remaining structural and environmental hazards 4. A discussion on further compensation or replacement of the home, as previously suggested If you require any additional documentation or would like to speak with me directly, I can be reached at ( XXXX ) XXXX. 

Lets work together to do whats right and restore the safety and value of my home. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation