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Links and Resources for Home Financial Assistance and Payment Options

How can we assist you today?

Mortgage Interest Statements (or 1098's) are available on the Document Center page once you have logged into our Online Account Access.

Automated Payments

Phone: 866-380-0373

Online: 21stmortgageonline.com


Please note- We are not able to offer payments by credit card.

Loan Payoff Information

Phone:  800-955-0021
ext 2900


Fax:       877-830-3100


M-F:      8AM-8PM (ET)


Postal Service
21st Mortgage Payment Processing
PO Box 477
Knoxville, TN 37901
ATTN: Payoff dept.

Overnight
21st Mortgage Payment Processing
620 Market Street
Knoxville, TN 37902
ATTN: Payoff dept.

Arrange Payment

Phone:    800-955-0021


Mon-Th:  8AM to 9PM (ET)


Friday:      8AM to 8PM (ET)

Arrange Payment

Phone:    800-955-0021


Mon-Th:  8AM to 9PM (ET)

Friday:     8AM to 8PM (ET)

Automated Payments

Phone: 866-380-0373

Online: 21stmortgageonline.com

Please note- We are not able to offer payments by credit card.

Loan Payoff Information

Phone:  800-955-0021 ext 2900

Fax:         877-830-3100

M-F:        8AM-8PM (ET)


Postal Service
21st Mortgage Payment Processing
PO Box 477
Knoxville, TN 37901
ATTN: Payoff dept.

Overnight
21st Mortgage Payment Processing
620 Market Street
Knoxville, TN 37901
ATTN: Payoff dept.


Payment Options

At 21st Mortgage, there are several methods to assist in making your loan payment. A conforming payment is a periodic payment sufficient to cover principal, interest, and escrow, where applicable, for a given billing cycle. The payment must be made in US currency and accompanied by an account number or the provided payment coupon. Conforming payments shall be applied to the account the day the payment was received. Customers may make conforming loan payments that will be applied to the account the same day the payment was received by the following methods:

Automatic Draft

The easiest and recommended method of payment is automatic draft. We obtain your written authorization and withdraw the payment amount automatically from your checking account when the payment is due.

To enroll in automatic draft:
1) Contact the Customer Service Department, or call 800-955-0021 ext. 2900 to initiate the process.
2) Fax this completed form to 877-830-3100.

On-line Bill Pay Through Bank Account

Online Payments may be made through the customer’s bank account via online transfer.
Payments must be completed by the customer by 2:30 p.m. EST Monday – Friday, except Federal Public Holidays.

On-line Payment

Payments may be made at our online payment site using a checking or savings account.
Payments must be completed online by 9:30 p.m. EST Monday - Friday, except Federal Public Holidays.

Payment by Phone

-Payments by phone may be made using a checking or savings account number. Payments must be made by speaking with a financial counselor and completing a Check-by-Phone using the customer’s checking or savings account.
-Payment must be completed by 10:00 p.m. EST Monday - Friday, except Federal Public Holidays.
-To make a payment by phone, please call 800-955-0021 and speak with any financial counselor.

What you need:
1. Your Loan Number
2. Bank Routing Number
3. Checking Account Number

Automated Phone Payment

You also have the option of using the automated phone system at 866-380-0373.

-Payments made using the automated phone system must be made prior to 6:00 p.m. EST Monday - Friday, excluding Federal Public Holidays. -Payments made using the automated phone system may be subject to a $2.00 fee in certain areas.

What you need:
1. Your Loan Number (Do not enter the zeros preceding your account number)
2. Last four digits of your social security number

Wire

Payments may be wired through Western Union Quick Collect or MoneyGram Express Payment.
Payments made by wire must be received by 3:30 p.m. EST Monday - Friday, except Federal Public Holidays.

Western Union
What you need:
1. Your Loan Number
2. Code: City, State: Ethan, TN
Need to find a Western Union Dealer near you? Visit WesternUnion.com


MoneyGram Express Payment
What you need:
1. Receive code: 2579
2. Your Loan Number
3. Payable to: 21st Mortgage
Need to find a MoneyGram agent near you? Visit moneygram.com

Direct Mail

Checks or money orders may be mailed to the payment processing center.
21st Mortgage Payment Processing Center
P.O. Box 148
Memphis, TN 38101

Mailed payments must be received by 5:00 PM EST Monday - Friday, except Federal Public Holidays.

Relief for Servicemembers

21st Mortgage is committed to support our customers in the military.

If you or a family member are in the military, you may be eligible for certain rights and protections under the Servicemembers Civil Relief Act (SCRA), including a reduction in the interest rate on your mortgage for the duration of your active duty plus a period of one year thereafter, as well as protection from foreclosure for the duration of your active duty plus a period of nine months thereafter.

We encourage any military personnel with a question or problem relating to their mortgage to contact us. Please send us an email or contact your financial counselor at 800-955-0021.

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Foreclosure Prevention


Options Exist to Avoid Foreclosure:

If you are experiencing financial hardships and are worried that you cannot make your scheduled loan payments, please call 21st Mortgage today at 800-955-0021 so that one of our experienced Financial Counselors can review the options that are available to assist you.

Available options vary with the unique circumstances of each individual, but some alternatives include:
  • Repayment Plans
  • Payment Assistance
  • Debt management programs with independent, non-profit agencies
  • Loan Assumptions

Documents Needed to Discuss these Options:

To help determine which of the available options will best be able to assist you personally, you will want to have various documents available during your discussion with 21st Mortgage. These documents include:
  • Tax returns
  • Recent pay stubs
  • Bank statements
  • Monthly bills
  • If relevant, medical or other unanticipated bills

HUD-Certified Counseling Agencies:

HUD is a U.S. government agency that offers free or low-cost counseling to homeowners. For a list of HUD certified counseling agencies in your area, please call 800-569-4287 or review the information available at HUD-Certified Counseling Agencies for counseling agency listings by state.

Trying to sell your home? Our Sales Kit offers suggestions to help make the sale!

Sales Kit

Payoff Quote

Payoff quotes can be generated using our Online Account Access, by written request to our address below, or via fax 877-830-3100.

21st Mortgage Customer Service
PO Box 477
Knoxville, TN 37901

Mortgage Interest Statements (1098's)

Mortgage Interest Statements are available on the Document Center page once you have logged into our Online Account Access.

Fee Schedule


Subordination Fee for Second Mortgages: $200. Agreement signed and recorded by junior lien holders to subordinate their liens to 21st Mortgage’s. (Not applicable for AL, IA, MN, MO, OH, WA, WV and WY.)
Late Fees: Lesser of 5% of past due payment amount after the 15th day of delinquency or per contract if permitted by state law. For New York loans secured at least in part by real estate, 2% of past due payment amount after the 15th day of delinquency or per contract.
Interactive Voice Response Payments (using automated phone system): $2.00.
Non-Sufficient Funds: Lesser of $20.00 or per contract. Assessed when a draft or check is returned by your bank due to insufficient funds in the account or when the account does not exist.
Attorney’s fees: Reasonable attorney’s fees for hourly work performed if 21st Mortgage has to rely upon an attorney to enforce its interest in the collateral or defend a claim. These may include attorney's fees for borrower bankruptcy filings or foreclosure/replevin proceedings.
Broker Price Opinion (BPO) Fee: Charged by broker if a BPO is needed to ascertain the value of the collateral for certain loss mitigation options or foreclosure sale.
Title Search Fee: Charged by title company or title examiner to determine condition of title prior to filing a foreclosure accepting a deed-in-lieu of foreclosure
Appraisal fees: Charged by an appraiser to ascertain the value of a property.

Frequently Asked Questions


Q. How does 21st Mortgage protect my personal information?
A. 21st Mortgage takes stringent measures to protect your personal information because we know privacy is a concern for all consumers. Once you complete your application it is encrypted for transmission and then kept secure with industry-leading security servers.

Q. Where do I send my payments to?
A. Making a payment is easy through our online site or they can be mailed to:
    Payments
    21st Mortgage Processing Center
    PO Box 148
    Memphis, TN 38101