The fact that he is living with his dad doesn't bother me. But if you call him a mooch and a freeloader, that does bother me.

Many 21 year-olds and older are living with Mom and Dad, or Mom or Dad due to the economy. I know many college grads who are back home since graduating in the spring, and who knows how long it will be before they move out.

I do not consider a 21 year-old a mooch or freeloader if they are pitching in around the house, doing their share of the chores and working full time. I also think a lot has to do with his attitude. Is he respectful of his dad? Does he respect you?
Those are things I would be concerned with.
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