I am in agreement with Mouse. We also have 21st mortgage, have NEVER been late on a payment and we are still being screwed. First we found out they didn't pay our property tax (it was suppose to be included in loan amount) our payment went up because of that to include it in the loan at that time and then a few months down the line, we find out they are no longer paying our home owners insurance which they did for a year but then decided we no longer had any escrow. So it's not everyone's fault, when in fact we are doing what we are suppose to be doing. Think about it before commenting and walk a mile in someone else's shoes! When you sign loan papers with a mortgage company, you are suppose to trust that they will follow what is written in the loan you signed and not change the rules down the road to suit their needs.
