21st mortgage is no mortgage at all. They by out the original creditor to the loan. But, they only have 1/2 of the actual contract. They make & apply whatever rules they choose including changing fixed interest rates. In the 15th of a 30 year loan, it is obvious that they charge hundreds more than originally agreed upon with your original contract holder. If you call them out they have to surrender the title IF you don't sign & cash that escrow check. By accepting the escrow check, you are bound to their mortgage until the next year. 21st mortgage is very rude & very much in violation of the consumer protection act and any state laws. & the other loophole, It is a Jubilee Sabbatical Year & if you believe in Jesus, they have to forgive the loan. It's the law!
Glory to God in the highest
And forgive us our debts as we forgive our debtors. Matt 6:12