21st mortgage not only has our payment gone up every year because of home insurance that is included in the note (they told us it was the insurance companies fault, but we soon found out they owned the insurance company), they call our neighbors, family, and call at work even though they have been told not too, we are only a month behind and they will not work with us( I asked about the loan modification and they said they do not do that), they already sent us a default letter, I have had a lower paycheck b/c of work slowing down due to the... read full review »