Vanderbilt Mortgage

Vanderbilt was really nice and thorough. They were easy to work with. The only thing we had to do was give them the information that they needed. They told us what we had to get back to them such as the verification of income, picture, ID, and driver’s license. We did just that and everything went really smoothly. The process didn't take long. But because of the weather, it was hard for them to set up and do everything they needed to do in order to get the trailer. Also, Lincoln County has so many requirements. You have to get so many permits and that took so long.

Vanderbilt is the only company that will finance a new mobile home. They’re a pretty good outfit and working with them was easy. They’re pretty straightforward and there were no issues from the get-go. I uploaded documents via phone over email, which was outstanding. I had some issues with Vanderbilt on the flood zone stuff. They sent me a letter, called me, and emailed me stating that they had people look into it and that my home is not in the flood zone. During closing, I signed all the paperwork. In the past two months, I have received probably six letters and they’re all opposite of each other. One will say, “Your home is in a flood zone. You need flood insurance.” A week later, I receive one that says, “Your home is not in a flood zone.” It’s been going back and forth like that.

The home-buying process with Vanderbilt was pretty straightforward. The only big issue I had was that it was kind of back and forth like, “Oh, you don't have anything left. Oh, wait. You do. Oh, wait. We finished it. Oh, wait. Just kidding. Oh, you signed all your documents. Oh, just kidding. We forgot to send you documents.” For the most part, it was easy. There was just a lot of waiting and then I was being told misinformation. A lot of it has to do with the fact that we had to talk to multiple people at different times within Vanderbilt. Our agent will be gone, so we had to talk to someone else who didn't know our situation.

You don't lose anything by trying with Vanderbilt, and I’d tell people to try them. They helped us a lot and it was step by step. They asked questions, and we answered them back. We also asked questions and they answered them back as well. We were very patient and the rep was definitely very patient with us too. From application to approval, the process didn’t take more than a week. It was just paperwork in our part and then their part, and it was very understandable.

I enjoyed working with Vanderbilt. My wife went through them on her last house, which was the reason we chose them. It's been a streamlined process. Everything was laid out very simply and they were very understanding. I don't have a whole lot of time when I'm at my job to do stuff and they were very accepting that it might take me a little bit. The reps were perfect. Every time I had a question, they called and I didn't even have to call them on some stuff. They would call and check up on me and ask me if I had any issues or anything they could answer. We had tried a couple of times and things didn't work out but in this last process we went through, we were still undecided when we started on which mobile home we would go with and Vanderbilt was very understanding about us changing and gave us all the options on it. Vanderbilt is in the top three, if not number one as far as going about getting a loan from them.

Vanderbilt is a terrific company. It was easy to get a mortgage. They walked me through the loan process and explained everything to me. Everything went smoothly. I would highly recommend them.

The loan process at Vanderbilt went smoothly. It was really good. We had a good relationship with the reps too. They helped us out a lot. They were really good at working with people.

It was a horrible experience. The title was all around. There were a lot of problems involved with it so it took us months to finish the loan process. It wasn’t all on Vanderbilt's part. It was majority of the title work that had to be done. But the process could be a little easier. A couple of reps were good with me about coming back and forth. Brittany was the rep that I worked. She was the best person I talked to through the whole process. She even contacted me afterwards to make sure everything was smooth and worked out good. I'm happy with her communication skills with me. Prior to that and after that, the communications weren't that great because nobody at Vanderbilt ever talked to each other. There was a lot of confusing stuff on there too that Vanderbilt's rules were different than a lot of the stuff that I've dealt with before.

The application with Vanderbilt was pretty easy. I called and asked if there was anything I needed to provide, and they said they had everything. It's easy to contact them, but it's kinda difficult to figure out who you need to talk to.

The application process with Vanderbilt was pretty easy. My loan officer was very helpful. Her name was Stacy. She answered any question I had. I would love a better rate, but the market was extremely high when I bought my home. So, I might reconsider refinancing down the line.