Unlock Every 21st Mortgage Phone Number for Faster Support
Did your loan get moved to 21st Mortgage and now you have no idea who to call? Maybe you already tried the main line once, sat on hold for a while, and gave up halfway through. A lot of manufactured home owners run into this same wall when they search for the correct 21st Mortgage Phone Number for their exact need.
This guide fixes that problem for good. Below, you will find every working phone line, the right one for payments, payoff, hardship help, and general questions, along with the hours, addresses, and email you need. By the end, you will know exactly who to call, when to call, and what to say the first time.
21st Mortgage Phone Number – Quick Reference Table
Before anything else, here is the fastest way to find the 21st Mortgage Phone Number that matches your reason for calling. Each line below connects to a different team, so dialing the right one the first time saves you a transfer.
| Reason for Calling | Phone Number |
| General Customer Service | 865-292-2120 |
| Payments & Payment Plans | 800-955-0021 |
| Mobile/Online Payment Help | 888-598-6121 |
| Loan Payoff Requests | 800-955-0021, ext. 2900 |
| Hardship & Loss Mitigation | 800-955-0021 |
Save this table somewhere handy, like a notes app or a printed copy near your bills. These numbers come from 21st Mortgage’s own contact pages and match what current borrowers report using, so you can call with confidence.
How to Request a Mortgage Payoff (Phone Number + Required Info)
Selling your home or refinancing into a new loan? You need a payoff quote first, and it has to come straight from the lender. Call the payoff line at 800-955-0021, extension 2900, and ask for a written payoff statement.
Have your loan number ready before you dial, since the representative will look it up right away. They will also ask for the date you plan to close, because your payoff amount changes daily based on interest that adds up. Most borrowers get their statement by mail, fax, or email within a few business days after the call.
If your closing date shifts, call back and ask for an updated figure. An old payoff quote can be off by a noticeable amount if too much time has passed. It only takes a few minutes to confirm the number is still accurate.
Ask the representative to send the payoff statement to your title company or closing agent directly, not just to you. This small step avoids mix-ups near closing day, when timing matters most and nobody has time to chase down paperwork.
How to Set Up a Payment Arrangement by Phone
Life happens, and sometimes a payment slips through the cracks. If that sounds like you, call 800-955-0021 as soon as you know you’ll be late. Waiting only adds stress, and in some cases, extra fees.
The representative will pull up your account and offer a plan that fits your situation. This might mean a short extension of a week or two, or a repayment schedule spread over a few months. Every account is different, so ask what options you qualify for before agreeing to anything.
For a full breakdown of every way to pay your bill, including online, phone, mail, and autodraft, our 21st Mortgage payment guide covers each method in plain language.
Hardship, Loss Mitigation & Foreclosure Prevention Contact
If you’re facing a job loss, a medical bill, or any hardship that puts your home at risk, don’t wait until you’re several months behind. Call 800-955-0021 and ask specifically for the loss mitigation department.
This team works with homeowners on modified payment plans, forbearance, and other options built to keep you in your home. Bring proof of income and a short letter explaining your situation, since paperwork like this speeds up the review process. The sooner you call, the more choices you’ll usually have available.
Homeowners who wait until a foreclosure notice arrives often have fewer options left. Reaching out early, even just to ask questions, keeps every door open.
Ask about every program you might qualify for, not just the first one offered. Loss mitigation teams sometimes have more than one path available, but they don’t always list all of them unless you ask directly.
21st Mortgage Customer Service Hours
21st Mortgage answers calls Monday through Thursday, from 8 a.m. to 9 p.m. Eastern Time. On Friday, the hours run from 8 a.m. to 8 p.m. Eastern Time. The office is closed on weekends, so plan your call for a weekday if your question can wait.
If you’re in a different time zone, convert these hours before you dial so you don’t call outside the window by accident.
Tips to Reach a Live Representative Faster
Nobody wants to sit through a long phone menu just to ask one simple question. A few small habits can cut your wait time down noticeably:
- Call right when the lines open in the morning, since wait times climb fast by mid-morning.
- Avoid Mondays if you can, since that tends to be the busiest day of the week.
- Say “representative” clearly when the automated system answers, instead of pressing through every menu option.
- Keep your loan number written down so you’re not fumbling for it once someone picks up.
- Write down the name of the representative you speak with, in case you need to follow up later.
These steps sound small, but together they often shave several minutes off a typical call. Borrowers who prepare before dialing this 21st Mortgage Phone Number tend to finish their call in one round instead of getting bounced between departments.
21st Mortgage Mailing Address & Payment Processing Address
Phone calls work for most questions, but some requests need to go in writing. 21st Mortgage uses two different addresses depending on what you’re sending, and mixing them up can delay your request by days.
General Correspondence Address
For letters, disputes, or general mail, send items to: 21st Mortgage Corporation, ATTN: Customer Inquiries, 620 Market Street, Knoxville, TN 37902.
Payment Processing Center Address
For mailed payments only, use this separate address: 21st Mortgage Payment Processing Center, PO Box 148, Memphis, TN 38101.
Sending a payment to the Knoxville address instead of the Memphis one can slow down how quickly it posts to your account. Double check the envelope before you drop it in the mail, especially if your payment is close to the due date.
If you’re sending a certified letter or need tracking, ask the post office for delivery confirmation. This gives you proof of the date it arrived, which can matter if a payment or dispute is ever questioned later.
Contacting 21st Mortgage by Email or Online Form
Not every question needs a phone call. 21st Mortgage also accepts written inquiries through an online contact form on its website, which routes your message to the correct department based on what you select.
If your question relates to loan servicing questions handled through our team, you can also reach out at james@allthings-mortgage.com, and someone will point you in the right direction. Keep in mind that 21st Mortgage itself does not publish one single customer service email, so the online form or a direct call remains your fastest option for anything account-specific.
Written requests take longer than a phone call, usually a few business days for a reply, so save this route for questions that aren’t urgent.
Making Payments Online vs. Calling
Both options work, but each one fits a different situation. Paying online through your account portal is faster for a routine monthly payment and skips hold time entirely. If you haven’t set up your login yet, our 21st Mortgage login guide walks through account access step by step.
Calling makes more sense when you have questions, need a payoff quote, or want to set up a payment plan. A representative can also confirm a payment went through if your online portal shows an error or a delay. For anything beyond a simple monthly payment, picking up the phone usually saves time in the long run.
How to Verify a Legitimate Call from 21st Mortgage
Mortgage scams are common, and manufactured home loans are a frequent target for them. Knowing a few warning signs can protect your account and your money:
- A real representative will never ask for payment through gift cards, wire transfers, or a payment app.
- Legitimate calls won’t threaten instant foreclosure to pressure you into paying immediately.
- Scammers often use spoofed caller ID numbers that look official but aren’t.
If a call feels off in any way, hang up and dial the verified 21st Mortgage Phone Number yourself, using the number printed on your monthly statement. This simple step confirms you’re speaking with the real company, not someone pretending to be them.
What to Do If You Don’t Get a Response
Sometimes calls go unanswered, or an issue drags on without a real resolution. If that happens after a fair attempt on your part, you have a few options beyond calling again and again.
You can file a complaint with the Better Business Bureau or the Consumer Financial Protection Bureau, both of which track lender responses and hold companies accountable for follow-up. Keep records of every call, including the date, time, and the name of who you spoke with, since this history helps if you need to escalate later.
If your issue involves loan servicing questions our team can help clarify, reach out at james@allthings-mortgage.com. For more background on how 21st Mortgage operates day to day and what borrowers should generally expect, check our 21st Mortgage review.
Most issues get resolved after one or two calls once you reach the right department. Staying calm and specific about what you need usually gets a faster answer than repeating the same general question to different representatives.
Frequently Asked Questions
What is the 21st Mortgage Phone Number for customer service?
The main customer service line is 865-292-2120. It’s open Monday through Thursday, 8 a.m. to 9 p.m. Eastern, and Friday, 8 a.m. to 8 p.m. Eastern. Have your loan number ready before calling for faster, smoother service.
What is 21st Mortgage’s payoff phone number?
Call 800-955-0021 and ask for extension 2900 to request a loan payoff quote. You’ll need your loan number and expected closing date ready. Statements are usually sent within a few business days by mail or fax.
Does 21st Mortgage have a live chat option?
No, 21st Mortgage does not currently offer live chat support on its website. Your best options are calling directly or submitting a request through the online contact form. Phone support remains the fastest way to get account-specific answers.
What number do I call for a payment extension?
Call 800-955-0021 and ask to speak with the payment assistance team about your options. They can review your account and offer short-term extensions or repayment plans. Calling before your due date usually gives you more flexible choices.
What is 21st Mortgage’s fax number?
21st Mortgage’s primary fax number is 800-813-8164, mainly used for payoff requests and hardship documentation. Confirm the correct fax use with a representative first before sending. Always follow up by phone to make sure your fax was received.
Conclusion
Finding the right 21st Mortgage Phone Number no longer means guessing or getting transferred around in circles. You now have every number, address, and hour organized by exactly what you need. Whether it’s a payoff, a payment plan, or hardship help, you know exactly who to call and when. Keep this guide handy, and your next call will take minutes, not hours.
