21st Mortgage Corporation Mortgage Complaint

21st Mortgage Corporation Mortgage department,

Other mortgage Loan servicing, payments, escrow account Iowa

I opened a mobile home mortgage with 21st mortgage. I make more the minimum payment every month but the overage is held in suspense instead of applying it to the Principal of my loan. I have to call in every month to have them apply the overage to the principal amount. Any overages should automatically be applied directly to my principal. 21st Mortgage suggested I mail in a payment instead of paying online and include a note to apply it to principal. Mailing a payment is less reliable and costs postage as well as time. The online payment is reliable and free. I also have not received a statement to-date and believe I should be receiving these monthly with a break down of my principal, interest, escrow and etc.