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J.G. Wentworth Home Lending
Overall Satisfaction Rating
3.96/5
  • 5 stars
    109
  • 4 stars
    5
  • 3 stars
    1
  • 2 stars
    5
  • 1 stars
    29
Based on 149 ratings submitted in the last year
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J.G. Wentworth Home Lending

ConsumerAffairs Accredited Brand

J.G. Wentworth Home Lending is a direct lender with highly competitive mortgage rates, an easy application process and exceptional customer service.

Mortgages made easy and affordable

Putting you first is the thinking that drives the J.G. Wentworth Home Lending client-friendly mortgage program.

Super low interest rates

Count on mortgage rates that are very competitive – and with no “gotcha” points or hidden fees. Use our online calculator to see how little you could be paying.

The mortgage you need we most likely have

Buying a home, rental property or vacation home? Refinancing an existing mortgage? We can help with loans that include:

· Fixed-rate and adjustable-rate mortgages

· FHA loans with a low down payment

· VA mortgages with no down payment

· And more

Simplicity

Our application process is easy and fast. This time-saving process starts with a free, no-obligation quote delivered to you in minutes.

Trust

We have an A+ Rating with the Better Business Bureau, and our parent company, J.G. Wentworth, has served the community since 1992. Together with these assurances of quality, check out the many testimonials from customers just like you.

J.G. Wentworth Home Lending is an Equal Housing Lender. NMLS # 2925. We do not provide legal, tax or investment advice. Please visit our website for more information on State Licenses and Disclosures.

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236 J.G. Wentworth Home Lending Consumer Reviews and Complaints

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Rated with 5 stars
Verified Reviewer
Original review: Dec. 11, 2018

I had the pleasure to work with Laura ** at JG Wentworth during our most recent closing on a home. She was always there to answer anything I needed either by phone or e-mail. She took the time to go through all of the details of how the process worked and ways I could help save money on my end. Even the Senior Loan Processor Amy ** was very polite and quick to let us know what documents we needed to submit or whether she had received it. I have closed on a few homes in the past, and some of the loan officers were not the best at responding to any questions or able to give us detailed answers to what was needed. We were able to close on time and with very little work necessary on our end. I would more than likely work with Laura and Amy in future loans.

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Rated with 5 stars
Verified Reviewer
Original review: Dec. 5, 2018

Megan was awesome! Very responsive and informative. I was given several options to lower my mortgage before closing. When I had a question she was one text or phone call away. In the process, I received some unexpected news and asked if it would be possible to close within several weeks so I can fly out. Needless to say it got done. Besides sending documents, I didn’t really have do much. The process was painless.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Dec. 5, 2018

We had a wonderful experience with Jesse **, NMLS #** Sr. Loan Officer. He is very professional, articulate, diligent, and knowledgeable regarding the refinancing process. He was able to take our application, gather necessary documents, and schedule the closing of our refinance in three weeks! We highly recommend his to anyone interested in refinancing their home. We are very grateful for his efforts and expertise!

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Rated with 5 stars
Verified Reviewer
Original review: Nov. 30, 2018

Megan ** from JG Wentworth was very professional and personable person to work with. She explained everything to me from the beginning to the end in the process of refinancing this loan. She helped us reduce our extremely high mortgage payment to a much lower payment that is more manageable. Our experience was incredibly painless and wonderful. I would highly recommend Megan. I appreciate all the hard work and courtesy that went into the refinancing of this loan.

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Rated with 1 star
Verified Reviewer
Original review: Nov. 27, 2018

I was interested in refinancing and was speaking with Russell **, Senior Loan Officer, Woodbridge, VA. I was not finished with my application and specifically asked that my application NOT be submitted until after the weekend had passed so I could go over things on Monday before submission. Never heard from him on Monday, I assume he was off. Although I thought he had given me his cell number, no response to my messages until Tuesday. Anyway, the application had been submitted by then, even though I asked that it not be until he and I went through it together. My credit score took a five-point drop due to the hard inquiry that I had asked not to do until we got together after the weekend to finalize it. Frustration for me means that I will look elsewhere when I am ready to refinance or buy another home.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 27, 2018

My experience with JGW started off pretty rocky. The 1st two loan officers left the company and I had to start the process of purchasing my home a total of 3 times over several months. Mike ** was my 3rd and luckily final loan officer. He was supportive and consoling throughout my difficult time. He was responsive and very knowledgeable. His experience is what brought our family to the finish line. He is truly a wonderful person and anyone who is lucky enough to deal with him is blessed. Thank you again Mike for all of your support and help. We can't thank you enough.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 20, 2018

Jesse ** was extremely amazing. He was so patient working with me and taking time to explain every step in details from the beginning to the closing. I hear a lot about how house buying process is so stressful but I must say, this was such a stress free experience for me and I am so glad I worked with him. Thank you Jesse, I really do appreciate your step by step guidance.

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Rated with 5 stars
Verified Reviewer
Original review: Nov. 17, 2018

My whole experience was wonderful. From my first contact with Jinnette ** at JG Wentworth to the closing of my loan, the process was great. No stress or pressure. Everything fell into place. She was upfront and personable. I can't believe how easy it was. She did all the work. I just provided information. What a blessing she was. I would refer anyone I know to her. Thanks to all at JG Wentworth.

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Rated with 1 star
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Verified Reviewer
Original review: Nov. 16, 2018

Do you enjoy having to constantly follow up with people? Do you like to be YELLED at when asking for an update? Do you enjoy working with people that can't take responsibility and are constantly pointing the finger? Are you planning on missing your closing date? Would you like to lose your mind after you tell them they were behind schedule and they literally yell at you and blame you for being behind schedule even though you send them everything they ask for within an hour of the request? Do you like it when people lie to and get angry with you because you asked for an update or explanation on something? Do you like asking a yes or no question and getting a 20-minute ambiguous answer that doesn't answer the yes no question and then trying to spend an additional 10 mins to get them to pick Yes or No?

Do you love calling and emailing people every day for the same issue? Do you frequently send personal information like SSN, Bank Accounts, Drivers License, etc. only to wonder if they got it and if it's still sitting in the email even though you have explicated asked several times for a quick "Got it" or "Thank you" confirming they have received it? Do you have a need to work with Incompetent "professionals", Liars, Rage Monsters, Morons, Arrogant Salesmen type people, and Lazy Finger-Pointers? If you answered yes to any of these questions, You will Love working with J.G. Wentworth because they literally did all of the previously mentioned things. This is my first bad review ever and they deserve it! They literally did not have a Single redeemable quality.

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5 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 13, 2018

I had the pleasure of working with Jesse **. Initially he was a bit too pushy for my liking (probably taught to do that) but in all honesty, as soon as I asked for some space and time, I got it. Extremely responsive to any and all questions, and very knowledgeable. I would certainly highly recommend Jesse!

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 12, 2018

Jesse ** was completely professional, reliable, timely and accurately answered all my questions in regards to my closing. He was able to keep the processing moving along efficiently and enabled my close to be completed on time and smoothly. I appreciate all his hard work. Thank you.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 7, 2018

Had a great experience with refinancing our home mortgage. Worked with Jesse ** who was fantastic. He was very professional, available for any questions, walked me through all the stages. Was an incredibly smooth process.

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Rated with 1 star
Verified Reviewer
Original review: Nov. 2, 2018

I worked with Joseph ** on a mortgage loan. He took my information and had me send in paperwork for the loan. This process continued for a month. I paid $500 for an appraisal. 2 days before we were supposed to close they decided I didn't have enough credit established and denied the loan. This person knew when he ran my credit on the first day that he could not complete the loan but he drag us along and had us pay for things that are no help to us now. Do not use this loan officer! He is not honest!

5 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 1, 2018

My experience with Jesse ** was very favorable. He had a very professional way about him. Jesse had a calming attitude that made the whole process easier to get through. He was extremely accessable also which I was so very grateful! A very good man. Thanks Jesse.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 26, 2018

Jesse was very patient during this long process. He handled the situation very professionally. Never did I feel that I had lost contact with him. He kept me well informed from start to finish. I would rate his performance as an A+.

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Rated with 1 star
Verified Reviewer
Original review: Oct. 18, 2018

Here are my experience dealing with 2 different agents at JGWW: 1st Agent, Michael ** at Troy, MI - I was contacted by Michael after I inquired about mortgage loan from Lendingtree.com. I was skeptical at first about obtaining loan from out of state, but he explained to me that it is common, and that JGWW has the advantage of low rate and low origination fee for Costco members, which prompted me to proceed with the application.

First problem that I encountered was with their documents submission portal. They could not resolve it until 2 or 3 days after. That was not a big deal to me. The worst part was when there was suddenly no response at all after I submitted all the docs requested of me. At one point, I felt that I was scammed! Although that turned out to be an overreaction on my part. But seriously, no communication all of a sudden. He stopped responding calls and emails without explanation.

2nd Agent, David ** at Woodbridge, VA - The Costco program led me to give them another shot, so I submitted another inquiry hoping that another one of their agents could use the same application and information I had previously submitted. It turned out they could not, so they had to run my credit again. That was fine, and this agent actually reached out to me for clarification, so I thought it would work great this time around. There were a few times of playing phone tag, and he did not respond to my last email, so I thought I would try another call.

Finally, I got a hold of him, and we talked about my loan request of $610K for a house that I was trying to make an offer for. By this time, I already have 1 full approval (although for less than that amount) and 1 pre-approval for $620K. David said that he could not approve me for a $610K loan, which was fine, so my question to him was that I wanted to know how much could JGWW qualify me for. I informed him of the approvals that I was already given. Then that was when he started becoming agitated. He told me that I was being dishonest with him, and told me that he would not help me when all I asked was for him to let me know the amount that he could pre-approve me for. I even offered to send him an email of my $620K pre-approval, which he declined.

I would usually walk away after being treated that way, but I continued to press for a pre-approval figure because by now I have wasted 2 credit pulls by JGWW. He finally agreed to get back to me tomorrow, but I am curious to find out if he actually will. Note that I typically do not file complains, but I felt really offended by the accusation.

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4 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 16, 2018

Jesse ** was my Loan Officer and Cathie ** was my Loan Processor, they both did a terrific job! Telephone conversations and email communications were consistently clear and concise. There was transparency in regards to the figures, and I did not discover any surprise hidden fees. All of my questions and concerns throughout the entire process were promptly addressed in a very professional manner. I also found the website easy to use and convenient for uploading and submitting requisite documents. My closing date was fast track, and the date(s) moved around a bit, but the J.G. Wentworth team was able handle it and support my needs. Everything went perfect, and I strongly recommend using these folks.

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Rated with 1 star
Verified Reviewer
Original review: Oct. 12, 2018

I am only writing this review so that other people don't have to go through what I am going through for my home loan. I was/am working with Jennifer ** (Brand Manager) at the Woodbridge, VA office and I have never had a more unpleasant and frustrating experience. From day one it was nothing but excuses for delayed responses, mis-information, emails that weren't clear that created extra work, etc. We now sit here today, 3 days past our original closing date because they didn't have everything done. What was I given? Excuses. Now we rescheduled our closing to today and guess what, we were told last night at 4:45 pm that they won't get the information to the title company on time. Jennifer is notorious for sending late in the day emails so that nothing can be done until the next morning and then it's almost impossible to get a response at that.

I am now sitting here, waiting to see if they can get stuff over to the title company in time to close today. If not, me, my one year old son, 2 dogs and husband don't have a place to live tonight as we have to be out of our rental by midnight tonight. This morning I ask for an update, and I'm once again, given excuses that 7 of their underwriters are out of the office because of a storm and that the underwriter who was working on my file last night didn't have power so there was nothing they could do. I have sympathy for the storm but it's so hard to be empathetic when so much is on the line and my empathy has been worn thin by all the prior excuses.

The amount of time, constant nagging to get responses, stress of not being communicated to, late notices that things aren't going as planned and general frustration just isn't worth it. PLEASE THINK TWICE BEFORE USING THIS COMPANY! It's frustrating that I am down close to $1,000 in extra mover labor fees, canceled move in/move out cleaning appointments, paying for a weekend move instead of a weekday move and potentially staying in a hotel for the next 3 days until this company gets their stuff together. What's even more frustrating is they're still going to get all their commission on this and there's not a darn thing I can do about it. I have repeatedly asked how they're going to make this right and guess what I get... yep... excuses! There are lots of options out there, I would highly recommend skipping over this one.

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Rated with 5 stars
Verified Reviewer
Original review: Oct. 10, 2018

Loan Officer Megan ** contacted me immediately and won my trust within minutes. We discussed my needs and she came up with a plan that suited me completely. No pressure, no push she simply convinced me that she was looking out for my best interests. We put the deal in motion and it went off without a hitch, and in a timely manner. She held my hand all the way through the process. This is not my first mortgage and more often than not the process can be similar to a visit to the dentist. Megan qualifies as a "painless dentist". She is an asset to your company.

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Oct. 5, 2018

Thanks for being patient, working well with my time constraints, and explaining things to me after hours. You worked so hard to make what would have been a very stressful refinancing experience very smooth.

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Rated with 5 stars
Verified Reviewer
Original review: Oct. 4, 2018

From the beginning to the end, Morning **, was very upfront and honest with me and, I appreciate that, he was able to explain step by step, line by line all the options that I had, and at the end, everything came through just like we've talked about. Thanks J.G. Wentworth for having Mor, as part of your staff. I was pleased.

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Rated with 2 stars
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Verified Reviewer
Original review: Oct. 4, 2018

Customer Beware: If you go with JGW, be sure that your closing date is firm. JGW started with very good rates and fees, that is why we decided to go with them, but when there was a closing delay completely out of our control (structural issue on the house where sellers would not close until they settled with their insurance), JGW charged us $11OO to push the closing 30 days. I spoke to both the agent and the agent's manager who both, without apology, insisted the fee be paid to extend the lock, even though I said I would allow a higher rate if that lock were to be allowed to expire. They refused to allow that. There was no flexibility in policy, even though the delay did not come to a significant cost to them.

Bottom line: The manager had little regard for the situation or his customer. It was very clear, the chance to collect some extra fees was primary in the conversation. In the end, I was told the relocking fees would actually accumulate if we did not close. We did close 30 days later, and JGW got the extra money, even with little extra cost to themselves. I believe they bank on the fact that once you are that far into it, you will just pay the money instead of going through the work of going with another lender, and delaying closing further.

Good short-term profit strategy. Very poor customer service. Your repeat business is not their concern. I even told the manager that if JGW followed through with the charge, my only recourse would be to tell of the situation in a review. He never even called me back after he said he would follow up. And if they don't publish this, the review will be placed at the Lending Tree level where JGW was referred from.

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5 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 2, 2018

Jesus was upfront with pricing and what to expect. I was going to work with someone local but could not get straight numbers and loan estimate to assure me of my expenses. Jesus was quick to respond with questions I had and moved the transaction along quickly.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 1, 2018

Jessie was very helpful and attentive at all times. There were no questions he did not answer. He would return calls within minutes, never adding to the stress involved. He is a credit to your organization's mission.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 27, 2018

We got quotes from 5 major companies and their's was the best. When you call ask for Philip ** he was the nicest person to deal with and answered the phone every time we called. He became a friend and not just a lender. He was able to get everything worked out so that on our first home purchase we got a traditional loan for a great rate and closed in 30 days. I highly recommend and would do business with them again.

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Sept. 27, 2018

I started this process on 8/17/18 - I sent in all my paperwork on time and as requested, when requested. There has been confusion about documents needed from VA. Confusion on what forms need signed - as of today I have sent in the same form filled in three different ways, because they did not fill it out correctly to begin with. I had a last minute termite inspection I was told about 9/21/18 and we were too close on 9/28/18. Had that completed the 22nd and sent everything in. Today I get an email about what work did the termite men do - this I sent in with the report Saturday - clear as day on the form. Also another form from underwriting for correction. Tonight - I received a second set of closing documents - with a higher loan amount, more fees and my escrow set at twice what it should be - raising my payment by 300$ a month.

Now again these are the second set of closing documents - the first I signed on the 25th so we could close by the 28th of September. They are also a big fan of the 4:55 pm email, the office closes at 5. Therefore any questions, concerns or work that need completed gets put off for the next day, or the next week. I am so beyond frustrated with the process - and I would dump them - but I need to get this done and have the stress out of my life - I wait patiently to see what tomorrow's fubar situation will be. My husband served 15 years for this country - we deserve better than this.

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7 people found this review helpful
Rated with 5 stars
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Verified Reviewer
Original review: Sept. 25, 2018

JG Wentworth was easy very easy to work with. I almost went with another lender because of all their promises until I spoke with Jeremy at JG Wentworth and realized there were some hidden costs in the other company's offer. Not so with this company. Everything was straightforward and easy to understand.

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Rated with 1 star
Verified Reviewer
Original review: Sept. 22, 2018

I told I was that I would be approved of loan by loan officer Marty. I was told to get my house appraised. They charge me $525 for the appraisal. Three months later I was told my loan was denied. They telling me my money can't be refunded. I ask Marty before I paid for the appraisal if my loan get denied will I be able to get my money back he said yes. Still no money back. I was told by his supervisor I can't get my money back. So money gone down the drain. Don't do business with them.

7 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 21, 2018

Jesse ** is great loan officer. He was very helpful in guiding me through the refinance process for my loan. He was quick to answer any questions I had, and kept me informed on what was happening. I'm extremely happy with the whole experience.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 18, 2018

Jesus ** was amazing! He helped me with my loan process from start to finish. He is extremely knowledgeable with what needs to get done and make the process happen. Jesus responded immediately to every one of my questions. I truly felt as though I was his only customer. My brother passed away during the loan process and he took a moment to send me his condolences. This was a very respectful, professional, human experience! I am so grateful to Jesus and all the staff for such a professional job well done!

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J.G. Wentworth Home Lending expert review by Michele Lerner

This financial company offers a variety of services, including home loans. It is licensed to offer mortgage products in 40 states. It is a direct mortgage lender

  • Financing options: Consumers can get conventional, FHA, VA and USDA loans from this company. The company offers both fixed and adjustable rate loans and HARP loans for refinancing.

  • Online quote: Interested homebuyers can fill out a short form online to receive a quote for their home loan. The form does not require any personal financial information.

  • Calculator: The website features a mortgage calculator to help consumers estimate how much their monthly payment might be. The calculator breaks the payment down showing how much will go to principal, taxes and insurance.

  • Live chat: Interested consumers can chat with a company representative online. Consumers don’t need to provide anything other than their email address to chat with a representative.

  • Best for: homebuyers, homeowners who want to refinance and real estate investors.

Profile picture of Michele Lerner
Michele Lerner Mortgage & Real Estate Contributing Editor

Michele Lerner, author of “HOMEBUYING: Tough Times, First Time, Any Time”, has been writing about personal finance and real estate for more than two decades. Michele writes for regional, national and international publications in print and online for a variety of audiences including consumers, real estate investors, business owners and real estate professionals.

J.G. Wentworth Home Lending Company Information

Company Name:
J.G. Wentworth Home Lending
Address:
3350 Commission Court
City:
Woodbridge
State/Province:
VA
Postal Code:
22192
Country:
United States
Phone:
8557011892
Website:
www.jgwentworth.com
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