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**We are not affiliated with any mortgage servicer, the investor/beneficiary of your mortgage note, the mortgage insurer (if applicable) or any government agency. We are a homeowner advocacy group with more than a decade of helping homeowners and professionals with mortgage assistance negotiations. The information found on this page is for educational and convenience purposes only. The information found on this page should be considered as opinion and not fact based on our experience with lenders over 10+ years. Consult your mortgage servicer directly or a professional before using any of the information found on this site. If you are seeking an intermediary to assist you in getting help with your mortgage you may contact us at 888-934-3444 or via email at [email protected] for further review for a no fee, no obligation, consultation. If required you may be referred to a local professional or legal counsel for additional assistance with your mortgage. Please read through our Disclaimer page for additional details. We do not represent in any way any financial institution named on this page. If you feel that any of this information has become outdated or is incorrect please contact us immediately.**

21st Mortgage Loan Modification RMA Form Application Package

Loan Modification RMA PDF

Start with a Request for Mortgage Assistance (RMA). Download Forms Here.

Next Loan Mod Steps

What are the loan mod steps. A Road Map For Success!

Other Mortgage Programs

It may not be too late to try other options. We can review what’s out there.

Get 21st Mortgage Froms

Take the first step to getting started on your Loan Modification. Download Forms Here.

Next Steps

Find out what’s next. Make sure you cross every ‘T’ and dot every ‘I’.  No Mistakes!

Other Mortgage Programs

It may not be too late to try other options. We can review what’s out there.

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21st Mortgage RMA Loan Modification Package Forms

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21st Mortgage RMA Loan Modification Package Forms

Limited Time Offer Coupon!

FREE  Custom 21st Mortgage Strategy Session With A 21st Mortgage Experienced Team Member.

Step 1: Fill Out 21st Mortgage Loan Modification Package

Find out why no one knows more than we do.

What is a 21st Mortgage Loan Modification Package?

21st Mortgage Loan Modification Request For Mortgage Assistance (RMA)

If you want to apply for a loan modification with 21st Mortgage the first requirement will be to complete and submit 21st Mortgage Request for Mortgage Assistance (RMA). It’s important that you use the latest paperwork. It is always better if you check with a professional before submitting the paperwork . There are many professionals you can work with to get help but it is very crucial to find the right ones so that the process goes on smoothly. That’s why we put the latest paperwork we could find online; to help you. That is what we do as we are a company working to help our customers with Mortgage relief.  Click here to request a call from a loan mod pro or call 888-934-3444. 

What is the 21st Mortgage hardship affidavit?

21st Mortgage Hardship Letter

Built into their application 21st Mortgage have a hardship affidavit citing your hardship,

Pro Tip: When reviewing you for a modification approval 21st Mortgage looks for your original reason for defaulting or RFD. If the RFD has not been cured (hardship) has not been resolved in many cases the will not be able to help.
EXAMPLE: A RFD like loss of income must be resolved by replacing that income. One of typical thing they will want to know is if you are making more or less income. What comes next varies from case to case based on the mortgage assistance options that are available.

Real Estate Mortgage Loan Modification Definition

What is a loan modification?

First of all Loan Modification is not a refinance. Getting a new loan to pay off your old loans or combining loans is called a refinance. You cannot combine loans, such as a first and a second mortgage, when you are completing a loan modification. A loan modification is basically exactly as it sounds. We will work with you and the lender to get the terms of the loan changed.

What terms can I change on my mortgage with a loan modification?

Banking industry does not have the ability to think outside the box. So the things that you can modify and how you can modify them are highly limited.

Interest Rate Modification

The thing that the people want changed the most is the interest rate. Although this is also important but this is not the only thing can be don to change the payment. The mortgage servicer will push to reach affordability to it will be based on your income.

Loan Term Adjustment Mod

The other thing they may change is the life of the loan but some people complain that they add payments at the back of the loan. They don’t extend the loan by the term of your missed payments. In most of the cases they extend the loan back again to 30 years or even more. We have seen as much as 50 years, but as 30 years is the norm, any extension beyond is generally no more than 40. This is completely controlled by the beneficiary of the note and the limitations they set.

Principal Capitalization and Principal Reduction Modification

When they take the amount you owe them that you have missed then that is called Principal Capitalization this includes any past due payment, interest, and fees later adding them to the outstanding balance of what is owed. In rare cases that are generally dictated by the amount of perceived equity in the home (or lack there of) the investor on the loan may be willing to take a reduction on the principal owed.

Step 2: Submit Loan Modification Package To 21st Mortgage

Thoroughly review your documents. The wrong information can hurt you!

21st Mortgage Loan Modification Submittal

Getting Your Forms Submitted To 21st Mortgage To Get The Process Going. What is in the 21st Mortgage Loan Modification Package?

It is not only limited to 21st Mortgage because usually all the lenders have the same requirements. You will have to provide your financial information to you servicer such as a monthly budget, your tax returns for the last two years along with a 4506t to show the returns were actually filed, pay stubs or proof of income like a profit and loss, bank statements, reason for requiring to do a loan modification, and a hardship letter.

Pro Tip: Working with our professionals should allow you to be able to pick out the documents your servicer 21st Mortgage will need. When your mortgage company requests items after they’ve started their modification review process they passed over sending your file to the next stage.

Step 3: 21st Mortgage Loan Modification Broker's Price Opinion (BPO) or Appraisal


21st Mortgage Loan Modification Value

Getting The Right Value Goes A Long Way.

To complete a loan modification successfully the lender like 21st Mortgage will have to balance out all the options available to the homeowner. One of the option is to check whether the value is acceptable or not. There are many different ways to get a value including the ones in which the valuation is done online. In some cases a value is completed by a real estate agent, also known as a Broker’s Price Opinion (BPO), In this tyoe the broker compares the properties in the area. Tye may also want to do an interior valuation in which case they will need access to the home. In some cases a drive by or external value is completed. Doesn’t matter what the type of valuation is they will compare the properties currently listed but the one more important are the ones sold between the previous 3 to 6 months. They consider the homes perceived condition, the size of the living space, the size of the lot, how many stories it has and whether or not it has a pool. They will also consider market conditions and how fast homes are selling in the area. There are many factors they take into consideration.

21st Mortgage Loan Modification Appraisal

Loan Modification Appraisal Values

In some of the cases the real investor for which 21st Mortgage is working for will require to complete a valuation before approving any terms of loan modification. For this part the lender will do a computer based valuation called an Automated Valuation Module (AVM). It happens very rarely that the lender will hire a broker for Broker’s Price Opinion (BPO) due to cost preventions. In even rarer cases the beneficicary will pay for a by a licensed appraiser. The homeowner may be required to pay upfront fees in some of the cases for these services.

Pro Tip: AVMs are not accurate. They can often show a skewed view on what your property is worth. Want to get a property valuation? Contact us for a Property Valuation.

21st Mortgage Value Disputes and Variances

Filing Value Disputes and Variances

It can often happen that the value comes in too wrong, It can either come in too high or too low. What can you do in that case? This can happen to anyone whether you are a professional of a rookie may not matter, you may have to deal with a value dispute. Depending on who the investor is or if it’s insured there may be different processes for filing disputes with 21st Mortgage or another managing entity.

Pro Tip: Equity is not always your friend. If you have equity your lender may not work with you because they would rather you sell your home and pay off your loan or refinance. If you don’t have enough equity then they may feel that this will not be a good investment for them so they may also decline you. Speak to one of our Loan Modification specialist for a free no oblication review by calling 888-934-3444.

Step 4: Net Present Value (NPV)


NPV and how does it work?

21st Mortgage’s Net Present Value or NPV Process and Analysis.

After a valuation has been completed and it has returned then the lender will decide whether you qualify for the loan modification or not and to forward your file or not. Usually there is an auditing process before the submission to management and if approved there is often another auditing process the occurs before an approval letter is issued.

Pro Tip: Check Your Numbers! Reviewing the NPV is crucial to understanding whether the offer made to you is accurate. We regularly see servicers misinterpret the information submitted to them. Understand how your loan modification underwriter may think is important. Call us for a free consultation at 888-934-3444.

NPV Decline

21st Mortgage NPV Counters

NPV stands for Net Present Value. NPV is basically an algorithm so the lender can get the value for his money. This isn’t a stable value either. It changes from day to day. The process of looking at two separate borrowers and checking where they can make more money is known as NPV. In most of the cases the borrower is behind on his/her payment so the lender will have to decide whether to take the amount owed and increase their balance is even worth it or not. Homeowners have to know that when the numbers don’t add up for the investor that is when they are most likely to get declined.

Modification Decline Appeal

21st Mortgage NPV Counters

There is only one way to counter the NPV and that is to look at the points and find the ones that don’t make sense and attack those parts. You should look at each point and imagine what would be the likely output. The most typical are incorrect income figures but it could go beyond that to things like the property’s perceived value and even in some cases the consumers credit report.

Pro Tip: If there is a time to appeal a loan modification decline it’s now. This is the time to analyze everything you know from their review. Make sure that you have all your proof straight because you might only get once chance at a decline appeal.

Step 5: Loan Modification Approval


Trial Payment Plan

Three Payment Plan

If you get approved for the loan modification with 21st Mortgage in most of the cases you will be put on 3 month trial payment plan. You will not know what the finalized terms will be that they are offering you but the final payment should be inline with what you will be paying for the mortgage at least at the onset of the new plan.

Finalized Loan Modification

21st Mortgage Modification Complete

There is a finalization process when the loan modification is being completed with 21st Mortgage.The finalized Loan Modification documents will be sent out somewhere between second and third trial payment if you are on trial payments. They usually come with a prepaid package to return the documents to the lender. Once the documents are returned and the loan modification goes through the final audits with underwriting the master loan documents are amended to show the new terms of the loan.

Pro Tip: If you go through the trial plan payments and do not get a modification implemented you may have legal rights. Need a legal consultation? Contact us to be connected to an attorney or call 888-934-3444.

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How Does ACG Get Paid?

Absolute Consultant Group has a great team to work with your lender to speed up the process. No upfront fees are charged from our side. If you are offered a loan modification but are denied in the end you will not have to pay us anything. Call for details 888-934-3444.

Understanding The 21st Mortgage Loan Modification Status

If you have talked with 21st Mortgage you will have noticed that they are not easy to deal with and the paperwork is also not easy and much lengthy. 21st Mortgage have not been seen a little interested in making the process any simpler but that’s why ACG is here to offer you to  assist with your application for the Loan Modification process to get mortgage assistance from your servicer that you and your family deserve.

21st Mortgage Help For Consumers

ACG is a company based in the United States to help you with the modification process with 21st Mortgage. We will be your single point of contact and you will not have to deal with 21st Mortgage. Working with will get you process going a lot faster and easier.

Call Us 888-934-3444 Today.

21st Mortgage Loan Modification Breakdown

What is the 21st Mortgage Loan Modification Package?

For any mortgage loan serviced by 21st Mortgage you will have to submit 21st Mortgage Request for Mortgage Assistance (RMA) package to get loan modification. Depending on the investor involved you should always use the most up to date paperwork for your application; It will be much better if you speak with 21st Mortgage or a professional before submitting the package. The paperwork we last found was put up on the Absolute Consultant Group(ACG) Website. ACG helps homeowners with their 21st Mortgage Loan Modification process.

There are 6 Sections to the standard 21st Mortgage Loan Modification Package.

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21st Mortgage Loan Modification RMA Package PDF Breakdown:

Hardship Letter Affidavit Application Check List

  1. Borrower Information This section requires the complete information of the borrower.
  2. Property Details You will have to put all the details of the property in this section for which the mortgage is.
  3. Hardship Information This section requires the details of the hardship which the consumer is facing and the type of hardship.
  4. Borrower Income You will have to put the complete income details of the borrower.
  5. Current Borrower Assets This section will require the complete details of the assets currently owned by the borrower.
  6. Borrower Cerification Agreement This section lists the terms and conditions for your application for mortgage assistance.
  7. 4506T – The final document in the whole page is the 4506-t which is used in order to verify the tax returns that you provided.  Make sure to follow the directions throughly.

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Disclaimer: Using The Wrong Form May Lead To A Denial

We provide mortgage servicers mortgage assistance package, forms, and applications to for educational purposes only. This is a sample document used to obtain mortgage assistance relief workout programs with your mortgage servicer. Prior to completing the form contact your (your client's) Mortgage's servicing department OR one of our professionals at 888-934-3444 to make sure they are sending the right loan modification or short sale package. Your home loan servicer, whether dealing with a Home Loan Modification or Short Sale (mortgage settlement, short pay off or discounted payoff) RMA Package offered on this website may not be the correct package depending on your investor. By downloading this RMA (Request for Mortgage Assistance) from our website does not guarantee loan modification assistance or any other mortgage relief programs to try to avoid foreclosure through mortgage servicer, its agents, employees, affiliates or subsidiaries. Prior to the use of any documents you should consult an attorney.

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