21st Mortgage is pretending to still be in business via their website, but they lost their financial backer and have no money to lend. They are currently just working as bill collectors collecting on our loans. This company will not work with you on refinancing your loan or modifying your loan. They will not let you skip a payment if you are in financial hardship and add it to your end balance like other mortgage companies I like millions others lost my high paying manufacturing job in Nov 2008, rather then go on unemployment I took a much... read full review »