Vanderbilt Mortgage Reviews

I had a really good experience with Vanderbilt Mortgage. The gentleman that got me for the screening information process loan was really nice and very good in the way he asked for the information. They’ve been pleasant and I would definitely recommend them.

Vanderbilt Mortgage had lower interest rates and the one I got was great. The experience with their rep was straightforward and all to the point that led us in the direction of picking. The home loan process was simple and in about a couple of months, they approved me. My mortgage has insurance coverage and I really like it and I auto renew it. Making a payment on the mortgage is very easy too and I'm very satisfied with my overall experience with Vanderbilt so far.

I went through Ocwen Homes and they got in touch with Vanderbilt. The lady rep called and told me I was approved and we went from there. We had another great rep who I am able to call with anything I needed. Everything was awesome.

I found out about Vanderbilt through my parents who goes to them too for their house. Their home loan process was quite simple and a lot easier than I thought it was gonna be. They asked me a few questions, told me how to write some stuff on a paper and explain stuff on my credit card. Then, the next thing I know, I got approved. Also, their rep was pretty nice and I can understand what she was saying.

My trailer's getting old so we found another trailer park and I bought a new trailer through Vanderbilt. The reps were really good to me. Once we got started, I knew it was gonna take a little while. I went ahead and got this lot, put a down payment on this lot and on the trailer so they can hold it, and everything worked out. I can hardly hear most people since I have a hearing problem in one ear, but their reps were clear-talking and I could hear them on the phone. They work with you so you'll be able to afford the payment, and that's what I like. Overall everybody should go through Vanderbilt. They’re a great finance company.

My husband doesn’t have great credit, so we didn’t qualify to a lot of the mortgage companies and the rates were high. Vanderbilt was the first one to give us a chance and I'm so glad they did. The reps were all very informative and explained all the processes. Even with the stuff we might not like, they were still very open and upfront about it. They always return my calls. I hate the fact that they won’t refinance us after a while, but other than that, I can’t say anything negative about Vanderbilt or any other processes we went through.

We were trying to buy some land and Vanderbilt Mortgage owned the land so we bought it and that was our first purchase from them. Then, we were looking for a home on the internet and we found a home Vanderbilt Mortgage was the one that was selling the home. We were satisfied with our first purchase so, when we found a home that we liked and found out they were the mortgage company, we wanted to go ahead buy that home from them. They were really good when we were dealing with them going through the process and they took care of everything. Also, they were all nice and kind and we didn't have any problem with any of them. The closing didn't take a long time and everything was done before a 30-day period. We were satisfied with them.

I got the loan application from Clayton Homes, filled it out, then Clayton submitted it to Vanderbilt on my behalf on a Thursday, and Vanderbilt approved this work and I got the offer from Vanderbilt on Tuesday. Some of their reps I spoke to were really nice and helpful. Our mortgage included the house, the insurance, and property taxes. I'm happy with the insurance coverage as it's probably more than what I would have gotten if I had gone somewhere else. I renew it every year though the interest rates could be better. But overall, Vanderbilt has great and fast service.

The first time that we had Vanderbilt was when we bought our home back in the early 2000’s. We went with another bank for the refinance then they sold our mortgage to another bank. And that never happened with Vanderbilt that’s why we always wanted to go back to them and we currently have two mortgages with them. We bought my wife's trailer first and that's under her name. Normally, people don’t like mortgage companies. But, we liked Vanderbilt so well that we just stuck with them on the second mortgage which is under my name. We were given two choices of creditors but we picked Vanderbilt so when the other people called, we turned them down because we’d rather wait for Vanderbilt. Everybody’s treated us well at Vanderbilt and we’ve had no problems with any of the reps. Anything that I had asked or had any questions about, they answered quite well. I would highly recommend Vanderbilt for anybody if they want to do a mortgage.

We got a mobile home financed through Vanderbilt. They did real good and I was satisfied with the way things went and with payments.

It was my first time buying a home. I ended up in the hospital during the process, but Nick from Vanderbilt stuck with me and called to let me know what’s going on and asked how I was doing. He always answered and called me back or left voicemails. He was really fantastic. My most recent conversation with Vanderbilt was when my house got broken into a couple of days ago. They were quick to help me with that and they're fixing it now. They are very friendly to work with. I love Vanderbilt all the way around.

The home loan process with Vanderbilt was great. They helped me get my first house and when I used them again to get my second house, their process was a lot easier. The reps were all helpful and answered all my questions.

The application process at Vanderbilt was all pretty easy. My application went smoothly and the representatives were good, easy to contact and to talk to. I would recommend Vanderbilt.

Vanderbilt Mortgage has been really good to us. Everything went well when we applied for the loan. Everybody who we spoke with was good, too. I was never dissatisfied and we try to pay our payments before the due date. I would recommend them.

Vanderbilt’s very nice. I like them. I’m an ex-banker and loan officer so to me, it was just like anything that I would’ve done. The process was very streamlined and I didn’t see any bumps in the road. They didn’t have any mistakes, did everything the way they’re supposed to and didn’t take a lot of time. One of the ladies even called me before we had our closing, and then one of the guys came and did the closing. So, I’ve already been pre-warned how everything was going to be before he even got there. And they were both very nice, pleasant and knew what they were doing.

I had broken up with the father of my child so I had to get a place of my own. I found a trailer and told Vanderbilt that I would get it if I could get it before winter. When I put my paperwork in, it took about a week to get approved. Then after that, the process went fast and I got in before winter. The girl I worked with and the one I bought the trailer with was real helpful and nice. One of the doors was not put right so there’s just a few things that they still have to go touch up, but overall it was a good experience.

Vanderbilt Mortgage is super. They were very helpful with everything, and everybody there was great and really good to me. They called me back when they were out to lunch or elsewhere, and I had to leave a message, and they called me right back. They're all doing super jobs and should keep the good work up. The representatives were wonderful and answered my questions all the time. I would recommend Vanderbilt to anybody.

The lady at the home center set us up with Vanderbilt. And I really enjoyed dealing with them because every step of the way they let me know what was going on either by mail or phone. And I would receive it in writing as well. For me, it's a big deal when you can back your words up with paper. If I had a question, they would explain it to me to where I could understand it. That was awesome. Everybody was really nice at Vanderbilt. This is the second home I've purchased in my life and Vanderbilt has been the best mortgage company that I've dealt with so far. I definitely recommend them.

When we first applied for a loan, it was for a Mead mobile home and they wanted a big down payment but we didn’t have it. There were some issues and it was just one thing after another, but we were working with Taylor Sales and Mortgage company. So when they came up for that they had a repo brought in, we went down and looked at that and then I called and told Vanderbilt that we were interested in it and everything went straight through. And it was perfect.

Vanderbilt was the first company we went to and they were the most helpful. We got all the paperwork turned in and within a couple of days, we heard back, and everything moved quickly after that. We got approved within a week. The rate and terms seemed pretty reasonable to us considering what everything else was. It was all a very positive experience. The representative had answered every question we had and was extremely helpful with anything we needed or wanted to know about. We really appreciate that. We have recommended them to a couple of people.

I heard about Vanderbilt Mortgage from my daughter and they seemed like they would work with me better than the others. And they worked great with me. I signed the papers on August 26th and they pushed my payment back because I didn't have my trailer until the end of November. Their reps were always helpful. When I couldn't find out anything from the place where I bought the mobile home, they would get in contact with them and find out for me. I'm also satisfied with my mortgage rate and terms. I thought my payments would have been higher than what they are and I'm really satisfied that they got them under what I would have liked.

One of my friends recommended Vanderbilt Mortgage and it was also one of the options where we could finance the home that we bought. Everything went real smooth and the reps were very good. It was easy to get in contact with them and they're very easy to deal with. The process took about three weeks, and I'm very happy with everything.

I heard about Vanderbilt from Clayton Homes when I purchased the house. They offered a deal so I financed with them. They were mostly waiting on me to get affirmation when they give out the price I wanted and be comfortable with. They worked with me and it was great. When I talked to the reps, they answered my questions and they told me what I wanted to know immediately. Everybody was polite and straightforward. I wish the rates could be lower but I have no room to complain so I feel great about it. Everything ended up being fine.

My mother went through with Vanderbilt. And they were the only one that would help us. The rate and terms we were given were fair and I'm paying less than what I was paying then.

The gentleman whom we got the trailer from told us about Vanderbilt. My son took care of everything for me as I was out of town. I had to come back in for a few days to sign some papers. Every now and then, they'd call and I'd talk to them, but not very often. We'll be making our first payment next month. The rate must be pretty good because my son liked it. I would recommend them.

We bought our first home from someone and they already had their financing through Vanderbilt so we refinanced it through them. The reps we worked with were great. We like them and we kept using them. I am very pleased with Vanderbilt.

My dad had a loan through Vanderbilt and they had lower and better rates than other finance companies. The process was quick and fast and their reps were very nice. The experience was awesome and I'd recommend them.

My loan process with them was very pleasant and done quite quickly. They're very professional, patient and very helpful. They answered all the questions we had. Vanderbilt was very good dealing with. We had no problem at all with it and it was a pleasant experience.

I lost a house in '99 from the flood and the mortgage went to 21st Mortgage. After I got my house paid for, I asked if they would finance another home for me and they wouldn't. I've heard good stuff about Vanderbilt and they didn't give me any hassle so that's why I chose them to finance my house. They're good with financing and I like the interest rate. They took my old house for trade-in and they allowed me $8,000 for that. I had to turn around and pay $2,000 some more down on this house and they financed the rest. I'm on a fixed income and I wanted to work where I could've lowered the payments a little bit but the rep told me that's what I had to pay.

I had a nice experience with Vanderbilt Mortgage. The representatives were accommodating, organized, and explained everything well. The process was also easy to follow and get set up. It didn't take that long either. Everything was pretty good.

Our home loan process with Vanderbilt Mortgage was easy. They were knowledgeable and answered all our questions and the entire process only took three weeks. I make my payments on the website. I wish it had an app though. I'd definitely recommend them.

One of the things that Vanderbilt offered was a land in lieu of a down payment and we had the land. We did the mortgage with them and they were very good and very fast. They were a little hard to get a hold of sometimes, but they answered my questions well whenever I did reach them. I would recommend Vanderbilt.

The finance rep from Vanderbilt was excellent and he went out and beyond. I went to another location and he closed the deal for the sale. He knew his job and he explained as far as figures and everything down to the wire. I will be happier if I can have a lower interest rate, but I'm okay with it. I had a good experience overall and I will recommend people to them.

Vanderbilt was very prompt in responding to my application and getting the information. They got back to me and let me know where everything was in the process. They did an excellent job. Their rep was very responsive and answered all my questions. He knew exactly what he needed. The process was a little bit complicated for me because I was going through a divorce and had to get my name off of my other mortgage so I had to send additional information, but it was known upfront that that was needed. Moreover, I would have loved for the interest rate to be even lower than what he got for me. But I understood because it's a mobile home and I didn’t want to put the property up since it would take longer. Overall, it went very well and I was very pleased.

The loan process with Vanderbilt Mortgage was quick and simple. It was easy from start to finish. If I had any questions, their rep was there and he would answer them with no problems. It was really pleasant. I was told what to expect upfront and the process that it was going to happen. They’ve been great and I'm very happy. I’ve recommended Vanderbilt Mortgage to other people.

I have been working with Clayton Homes for almost a year, waiting on the property, but the actual loan process with Vanderbilt went very quickly. Vanderbilt automatically withdraw from my checking account and it's really great because I don't have to worry about being late. They also take care of the escrow account, insurance, and land taxes. I've no problems whatsoever and I couldn't ask for anything better.

The loan process seemed like I had to jump through a lot of hoops but it was all right. Also, the reps always tried to figure out answers to any questions I had every time I called them. We had good contact and they responded if I left a message.

I am happy with Vanderbilt Mortgage. Their staff were all pretty good and the whole financing process was all right for me.

Vanderbilt worked with me while I was paying some of the total that was on the house. The rep was wonderful and she answered my calls. The only complaint I had was that they changed my address on my closing documents and I don’t even know where they got the address from. It messed up a bunch of legal documents so I had to go back and fix all of that. Other than that, everything went just as planned.

The reps at Vanderbilt were definitely friendly and I was able to call them anytime I had any questions. They were very helpful and they made sure I had all the paperwork I needed to have turned in. Closing the deal was pretty quick and it didn't take very long at all.

There have been no issues and everything was smooth with Vanderbilt. Their representative was very good. He was able to explain the process answered any questions I had. Also, I have dealt with them before.

I'm very happy with the interest rate I got at Vanderbilt. They were very considerate and helpful. However, we had an issue with the appraiser and it slowed everything down. They lied and said they could not get an appraiser on everything, and then a week later the appraiser showed up. He said he forgot to take the pictures and have it done in the next day. It was nearly another three weeks before we got everything finished and it took us a couple of months to get it all done. Everything else went pretty good.

They gave me a seven percent interest rate and that is alright but I'd like it to be lower. The process was very easy. I did it on the phone and the representative was very friendly and courteous. It was all good.

When we went to buy our mobile home Vanderbilt was on the list of 10, so we picked them out. The overall process was fast and they were really nice, friendly and helpful when we first made contact with them. We love Vanderbilt and would recommend them to a friend.

I've been with Vanderbilt for two months and I'm satisfied with them. Their representatives were friendly and knowledgeable. They worked with me and helped me out if I had any questions. They were really nice. The paperwork wasn't too bad and I am most definitely happy with the interest rate.

Anna was real easy to work with. It’s easy to interact with whoever I talked to at Vanderbilt. They’ve been very friendly and even when I talked to customer service to get things set up, they walked me through the process and didn’t make me jump through a bunch of websites and things. It was really easy, quick, and painless. I'd recommend them.

We've been working with Vanderbilt Mortgage for a few months, since we got the trailer. Their customer service reps were nice. They called and I have no complaints. I'd recommend Vanderbilt if somebody wants to borrow.

The mobile home was custom built, so we didn't get it for six weeks but the papers were signed and everything was done way before the home was even delivered. Everything was done very quickly and everybody was extremely helpful. They kept constant contact with me, letting me know what was going on. If I had any questions, they answered them before I could ask them. So, it was a very efficient and smooth process, and I would definitely recommend Vanderbilt.

Signing up with Vanderbilt Mortgage wasn't hard at all, but it took a year to get the mortgage. I had a couple of liens on my property where I got a divorce, and my husband didn't pay the bills and they've done that for me. They had ran an ad in the paper. Then, I was in and out of the hospital and everything. So, it was just a big mess. Despite that, though, they're a good company and I'd recommend them.

The loan processing with Vanderbilt was long but it worked out so I'm happy. The interest rate's fine as well. However, I got a letter from them just recently saying it was going up from $512 to $524. I wasn't sure exactly on that and have to call them to find out.

Vanderbilt Mortgage is the first company that got me financed. They were easy to get in touch with and everything went smooth. Their staff are friendly and eager to help. I'll recommend them.

The customer service reps from Vanderbilt Mortgage were excellent. I'm pleased with the rate they gave me. We learned about them through one of the mobile home dealers and have been working with them for the last eight months.

So far, I've had a fine experience with Vanderbilt which I heard the first time through my daughter and son-in-law. The home loan process, interest rate, and representatives were all good.

They make Bank of America look good. Took over my mortgage - I didn't choose these idiots. Sent me all kinds of garbage that I had to do this, do that direct withdrawal etc. No grace period which I had even back with Bank of America, yes Boa. Can only schedule payment for due date or earlier on their "website." They want to charge you for absolutely everything - everything! Didn't pay my property taxes - claimed "they just got the bill." The guy who I talked to played dumb he acted like it was my fault!!! These clowns had almost $4,000 of my tax money that they were holding on to. Will probably try to charge me for that too. I had to call and 'email' until they finally paid - I had to check with the town.

The loan process took quite a while because I was slow in getting my paperwork together because I had knee surgery. It took me a while to get my end altogether but once I got it altogether, Vanderbilt was pretty fast. The interest rate could be lower but it's okay. Every time I called over, I didn't get a machine, and got a person, so it was good as I hate talking to machines. I would recommend them anytime, and use them again if need be.

Vanderbilt's home loan process was organized and they did a good job handling finances. I thought it would take longer but it was quite fast and we are grateful for them. We had passed by Clayton Homes on our way to doctor's appointments and always wanted to go there and see their homes. We really liked their homes and they were the ones that told us about Vanderbilt. They said that Vanderbilt helps everybody out. I would recommend Vanderbilt Mortgage.

The service reps at Vanderbilt have been very pleasant. When we inquired about a home loan, they told us the ones that they deal with. The rate was really good, although I thought I might get a lower one. But it was better than what I have had in the past, so I was pretty happy with it. It's been a good experience and I would recommend them.

We learned about Vanderbilt through the trailer lot that we bought our trailer house through. The home loan process with Vanderbilt was really good. It went through pretty quickly. We got the approval in two days. Everything went through really well. They were very helpful and updated me completely with everything and kept me well-informed. I didn't even have to give them anything. They went and got the tax returns and all of it for us. Their website could be a little easier to maneuver to pay my mortgage. But other than that, it's all good.

I'm happy with Vanderbilt Mortgage. The loan process went really easy and smooth. It's easy to communicate or get a hold of them throughout the process. I go online to pay the monthly mortgage payments. However, we are not really happy with the interest rate. It was a construction loan and not the regular real estate loan, so the interest rate is a little higher than usual. We are hoping to refinance in two years if we can. But I would still recommend them to a friend.

Vanderbilt is easy to deal with. The process went easily. I pay over the phone but I didn't set the account up correctly the first time. But after I got it set up, I just push a number to pay and it's done. I would have liked the interest rate a bit lower but from what everybody else had told me, Vanderbilt's is the best I could get. The only problem was going through the whole process of getting to them as it was all automated stuff before I could get in contact with somebody I could talk to.

When I went to buy a house, Vanderbilt was the one who approved my loan. I've been with them for a couple of months and they've been good. My loan specialist named Laura has been very pleasant. They don't aggravate me with anything. I didn't like the rate but other companies offer similar rate and a couple of buddies of mine said the rate I got is 99% likely what one gets when buying a mobile, modular or manufactured home.

I had a nice experience with Vanderbilt. Everything was fine and I was very comfortable with their representatives.

Everything was okay during the home loan process with Vanderbilt Mortgage. They were good to me, however, they kept wanting more and more information on stuff that I already gave. That might have been on someone else’s part and not Vanderbilt, but it was a lot of paperwork. Other than that, I’m very pleased and the ones that I called at Vanderbilt to get answers have been really polite and got back with me. If they didn’t know the answer then they’ll ask someone else.

Everyone I've dealt with from Vanderbilt Mortgage was informative and very courteous. Even when it came down to me signing my final paper, they were very informative and professional. I appreciate the services that they gave me. They were easy to contact and stayed in touch with me throughout the loan process. I am happy with my interest rate and excited about the opportunity I was given. I have recommended them to a couple of people.

We had our first home with Vanderbilt and since we had already established with them, I would rather instead go with them instead of trying to go to any other finance company. They sent us a paper every chance they got and let us know the amounts and what we needed to do with them. We were very satisfied and so far, we're still pleased with them. We will recommend Vanderbilt to someone.

We have been working with Vanderbilt for the last six months and have had a good experience. Their customer service was very good too. The rate could have been better, but it was okay. My husband's father had gone through them, as well.

Vanderbilt Mortgage was recommended to me by the seller. Their reps were knowledgeable, respectful, courteous, and they easily conveyed to me the process of how it was going to work. They even advocated for me. As a matter of fact, the buyer had failed to tell them that I had a down payment on the home and there was another discrepancy that if it hadn't been for Vanderbilt, I wouldn't have recovered it. But, I wasn't really happy with the interest rate when I was told in the beginning of looking for a home to buy, but that didn't come to be, so I ended up buying the home and I'm making the payments now. Though I wish someone had told me about disability and life insurance or had been offered in the options. Other than that, I would highly suggest them to anyone.

When I went and vied for my house, I was told that Vanderbilt would finance it through. I could get cheaper finance rate because of what we'd put down. There was around $33,000 or $34,000 left on my house once I have put $50,000 down. My daughter called them and got everything set up. I'm on Social Security and I get my check on the third Wednesday of every month, but Vanderbilt said my payment would be coming out the first and everything. So, we had it set up where the succeeding month is paid in advance. We've only had it for about four months, but I'm satisfied with the way it's set up and I'm very happy with with the interest rates.

Vanderbilt had good rates and looked like they were going to be fair with us. They told us they'd get us a good mortgage and we said, "Okay go for it." The process took just a few days and things have been great so far. The interest rate's pretty good but if they lower it, then it's fine.

I heard about Vanderbilt Mortgage through the trailer company I bought my trailer from in Fletcher's Oakwood Homes, and I used them to finance the trailer. Vanderbilt lent me the money and I made my third payment last month. I have no problems with the customer service representative too. Everything's been going smooth and they haven't bothered me but I wish their rate was cheaper.

I found out about Vanderbilt Mortgage through our mortgage company. We dealt with my bill, and when we got ready to go, it was done. They were easy to contact and quick to respond. Vanderbilt Mortgage was really nice, and the experience was super.

Vanderbilt is one of the best companies I've ever dealt with for getting loans. It's been the most simple task for me and a good experience. The paperwork was submitted and they called me up to tell me I was approved for the loan. Everything is held into place and I didn't have hardly anything to do except sign papers. They stayed in contact with me every time. It took a little longer because I was making changes so they had to redo the paperwork three times on the loan part. But everything went quick and smooth. They called me back the next day with the new paperwork and was ready. I couldn't ask for a better company because they've done me a great job so far.

I heard about Vanderbilt years ago. When we were filling out the application for Clayton Homes, they said that Vanderbilt Mortgage was the one that they go through, so that was the one that I chose. The interest rate is okay. I have a contact number and when my dad gets his check, we make the payments online. It’s pretty easy to get in contact with somebody if I need to. If I can’t get somebody right away, they call me back normally within an hour or two.

The mortgage process with Vanderbilt was pretty easy. I had no problem contacting anybody. I first went through a company called Cunningham Financial but they said my credit score wasn't high enough for their approval. But I'm happy with Vanderbilt. We've had a mortgage before and it seemed like there wasn't much involved this time as it was the first time. Vanderbilt handled a whole lot of stuff for me.

Fell 2 mo behind on mortgage, my fault. I sent a payment and shorted it 4.50. So next month when I had my bank send payment that's what they sent. I wasn't clear and change it back to the 650.00 that it is, so I fell 1 mo. behind. They are so nasty, I've called and tried to explain and even asked for help from those agencies but because I didn't do a land home package they won't help. I put 25,000.00 down. If they think I'm going to let them get my home they're nuts. But there is no reason to be so rude about it and call every day!!!

I've never purchased a brand new home so doing a home loan with Vanderbilt Mortgage was a learning experience. They helped me figure out what my payments were on certain due dates - payment-wise and insurance-wise. It was a lot to be thrown at me at one time and if I had a question, I had no problem calling and getting in contact with them. If they weren't there, they would call me back.

When we bought the mobile home, Vanderbilt Mortgage was the one they used. We've been working with Vanderbilt for three months and everything has been very good, so far. Everything is also fine about the rate.

This is my second time doing the home loan and it went smooth for me. Vanderbilt was very timely. Every time I tried to have any contact with them, I had no problem getting somebody to help me. They were quick to respond and very clear about any information they needed, criteria I had to meet and different things that they needed me to do to help qualify for the loan and make the loan possible. They were very helpful. It was touch-and-go for a little bit but they helped me through the process. Any questions I had, they were able to answer and were very friendly. It was an excellent experience.

We were looking at buying a modular or manufactured home for our property out in the country and went to different places in the area looking at the housing. Vanderbilt was one of the mortgage lenders that they use and given our financial background, we were told that they were probably the best one to use. There were some difficulty in scheduling appointments and we had to wait for things to come in. There was some disorganization and lack of communication between the mobile home sellers and Vanderbilt. I already recognized that part of the communication problem is definitely with people we bought the mobile home from. And so I don't know how much it could be attributed back to Vanderbilt. We have to close almost four and a half weeks later than we wanted to. The house was sitting there on the lot and it was just ridiculous.

My home loan process with Vanderbilt Mortgage really went well. This was my first time buying a home and they were easy to contact. I was a very happy and satisfied customer, and I will recommend them to someone else.

The people that we bought our trailer from told us about Vanderbilt. When signing up with them, all I did was show up, sign the papers and set the house up. So far, they have been fine, and so with the loan.

Everything's been good with Vanderbilt Mortage except a few things weren’t done while they were supposed to have been. My account was supposed to have been set up for bi-weekly automatic draft payments and this was back in September when I purchased the home. I had to call and make every payment. I've talked to about 10 or 12 different people and always got the same answer which was they'd look into it but this still hasn't been done. But the reps have been really nice and the loan process, which includes the paperwork, was really good.

My parents bought a home from Clayton Homes and they used the same bank so they recommended Vanderbilt Mortgage. I didn't have any problem getting approved for the mobile home and it was fast and easy enough. Vanderbilt always answered all my questions and sent me letters telling me everything that I needed to know. They would call me to make sure everything was okay. To make payments, I call their bank, gave them my account number and routing number so they can take out the money out of my bank account. They asked me how much I wanted to pay each month and that was it. However, the interest rate was high probably because it was my first time buying something. Hopefully I can refinance my home and have a better interest. Other than that, I'm happy with them. They gave me the opportunity to buy a new home. I would recommend them to someone else.

Vanderbilt Mortgage took payments I already sent in and they are still not finished with my trailer. I've called up and they said they'd fix it but they haven't come out yet. I couldn't tell anymore the number of times I've called them. I am very dissatisfied. I'm ready to go up there and tell them to come and get my trailer. They told me that they would do everything they promised but they had done nothing. The molding inside my house is popping off the walls. I accidentally broke it, but it ain't worth two cents. They didn't even put my steps up, they just threw them on the ground. I had to get another man to come out and put my steps up for me. I fell backwards off of them the day before yesterday as they're wobbly. I thought about getting a lawyer. If I fell backwards, they would have to pay my hospital bill.

I went to Vanderbilt to get a home. The loan process was easy. I'm happy with the interest rate so far, and the people were easy to get a hold of during the whole process.

I’d used Vanderbilt Mortgage a long time ago and my wife used them a couple of times too. The process was a little drawn out but they got that fixed up. It was pretty much not Vanderbilt but it was the trading companies. I make my payments to Vanderbilt Mortgage by check and it's pretty simple.

Vanderbilt offered me a 20 year finance loan. They seemed to be more connected with Clayton than the other ones were so we went with them. The lady that did our loan treated us like they know us. She even asked how our pregnancy was going so they didn't just care about the money. A lot of times, I would call in whenever things would happen, and she would call me. They were really helpful and knew what they were doing.

I was told about Vanderbilt Mortgage through the mobile home company that we got our trailer through. Everything with the loan process went smoothly. It was easy to get ahold of them. Randy was really great with us. He kept me on top of everything that was going on. I really liked him. I would definitely recommend Vanderbilt Mortgage.

I'm a satisfied customer. Vanderbilt was very helpful and communicative. They called me and let me know everything was working in progress. The representative helped me out a lot with the online process and setting up my mortgage payments. He showed me how to do it on the phone and walked me through it. As soon as I was told Vanderbilt was going to look upon my request on the loan, they set an appointment and finished it fast. Everything opened and closed real quick. Everything was great.

I am a single grandmother raising 5 grandchildren. I have been in collections due to family issues. I am the only one supporting two adult children and 5 grandchildren. I just adopted in July of 2016 for 3 yrs now. This mortgage co. has worked with me to keep my grandchildren's home. The last thing they want to do is take someone's home that's just so much more for them to do. Danielle ** my rep has been so helpful. She designed a plan to get me out of default. Now in two mo, I will be current again! Thank you Danielle ** and thank you Vanderbilt mortgage for the 2nd chance to be a homeowner. Please use common sense and caution when reading negative reviews. There are always two sides.

We bought our home from Clayton Homes and Vanderbilt Mortgage is owned by the same people. They will approve anyway but they will get you for EVERY penny you have. From the start of the loan process it was a mess. The interest rates are outrageous. Not a lot of lenders will not cover a Mobile/Modular home so Vanderbilt takes advantage of that and ** you with the interest rates. For the quality of the home it's not even worth it. If your payment is not made by the first of each month expect a call from them a few times a day and expect the rudest people to try and belittle you.

Because of Hurricane, my husband and myself were out of work for 3 weeks. We are trying to get caught up with all our bills, and we asked them for a deferment, and after 2 years of making our payments on time, they told us NO!!! They sold us a piece of crap house with painted kitchen counters but at the time my husband was a private contractor and they wouldn't count his income, so this repo was the only thing they would give us. Now after 2 years it has lost 15,000 in depreciation. This place has no heart for people who really need help.

I have had a terrible experience, trying to get my home refinanced through another company because the interest rate is so high. I'm just about ready to close and they tell the new company they won't release the lien and they have your property listed as personal property instead of real estate. Very crooked company. So with that being said, you will never be able to get refinanced because they have it rigged so that you will always have to use them. I see why people lose their homes because they have no way of lowering the payment. Please beware.

Listen to what other people are saying. I have lived here just 3 months and was told it was suppose to be move in ready and it was not. Had to go through a mess to get plumbing problems fixed. And other things was suppose to be fixed as well and it never got fixed. Not have leaks in one of the bathrooms, and leak in the ceiling. The flooring is coming lose and the company uses a loan company, which is connected to the sales rep and forces you to use their own insurance company. It is a scam so stay away from this company. I was lied to about having the best plumbing pipes and there is leaks underneath. They had the water turned off to hide the leaks. The air did not work and had to contact a manager. Stay away and listen to the other reviews.

I have to agree with everyone, they are rude. I was late on a payment and called them. They threatened me with foreclosure for being 45 days late. I have never been so disrespected. After how they treated me I reported them to the BBB. I had a rep from VMF call and she said the customer service agent might have been having a bad day. REALLY? So that allows you to talk to people like they are trash. NO!

Spent three months with this company trying three separate times to get a loan finalized, meaning of course every time I was preapproved and got hear "CONGRATULATIONS. JUST A LITTLE MORE INFO PLEASE." The day before Thanksgiving, I got the worst call, "Sorry we denied you." Wow Lizabeth at Vanderbilt may Karma bless you.

I would like to share my experience with everyone about Vanderbilt Mortgage and Finance. In an attempt to see if anyone else has experienced the same or similar issues. In August 2001 I received a loan for $62,000.00. Since then I have paid over ($120,000.00) on this loan with a balance of over ($54,000.00) I still owe on the original 62,000.00 I borrowed. Throughout the years Vanderbilt has made me promises to refinance at a lower rate; even saying they would consider the fair market value of the home which is $17,000.00.

As a single parent, night bought my first and only home from Vanderbilt in 2002. I was very inexperienced in this situation and have never regretted anything so much in my life. They took advantage of my eagerness to provide for my family to make this sale. I did a land in lieu of a down payment. My stepfather had land that had been in his family for generations and they convinced me to get him to sign 20 acres over to me to use for down payment. They relied heavily on my child support in order to approve me along with my income. I have had my home for 14 years and still owe over 36,000 on a 64,000 home. My payments have gone up over a $100 and I have struggled to make my payments for several years. Every year or so my payments go up "due to insurance increases". I have literally begged this company to help me but they tell me to have my phone or cable turned off, lower my grocery bills or borrow the money.

From the very beginning, the people that we worked with were polite and friendly and the loan process was surprisingly easy. We are first time buyers and didn't know what it would be like to get this big of loan. We were so excited when we got approved and Vanderbilt was obviously the best choice. Collin was super nice and asked me if I would like to tell my story.

I don't have a loan or have ever hear of Vanderbilt until I came home from work and the moving company they hired to move the neighbor repo home had driven all across my yard. They may have a phone to hoarse you, but they won't answer your calls. DO NOT USE THIS COMPANY.

Homes was repossessed and the home is still on my property. We have been through court and my family have moved and have not removed the home from my personal property. My rate was 10.99. I need to know what can I take to get the home off of my property. I live in Gadsden County, Florida.

I wish I had never heard of Vanderbilt Mortgage. I got afraid to answer the phone or open the mailbox. They are worse than loan sharks. I am doing a reverse mortgage because of them. I have a registered letter waiting on me at post office from them and I am afraid they will try to foreclose on me before we finish up. Then what do I do?

I became delinquent on my mortgage. I paid and caught up I thought. Not by them. My records showed that I had. They added fees that unbelievable. While on the phone, I was told, "You people are always late and do not like to pay your bills." I asked "What people or you referring to?" Black people always have an excuse! What is your income! I hung up the phone and will not answer them. My stress level was so high that my blood pressure increased to the point of numbness around my mouth. Those folks are horrible.

I've had an account with them for 14 years. Last year I hit a rough patch and ended up a month behind. They called me multiple times a day and told me to borrow money from friends and family. They are so rude that at Christmas when money was very tight they told me I should not buy any presents for my children and tell them that their present was our house! Also if you can't afford homeowners insurance they tell you "Don't worry about we will get you a "policy" through our company" but when I needed some repairs to my home I was told that the "insurance" only covers my loan to them so they are insured and I am not. Do yourself a favor and run the other way if they offer you a loan.

The absolute worst company I have ever dealt with!!! Their customer service people are rude and they will not work with you in any way. My husband and I purchased home in 1999. He passed away in 2004 and they will not remove his name from the loan and put it in my name (I am still paying the mortgage)!! They have harassed me almost daily from the day my husband passed!!! PLEASE DON'T EVER USE THIS COMPANY!!! YOU WILL NEVER GET ANY PEACE!!!

Our home loan was taken over by Vanderbilt a little over a year ago. Since then, they failed to pay the taxes on the house. The only way we found out is that we took out a loan for home improvement and our Credit Union informed us of it. After fighting with them on the phone, they finally paid the taxes and thankfully our credit wasn't dinged. Along with this, they've raised our escrow fees not once but twice. The second time was almost $100 a month claiming a "possible" escrow shortfall throughout the year. Our taxes on the house only went up about $50 for the year. So technically they're overcharging us by about $700 this year alone. We'll be dumping this so called mortgage company as soon as we can.

I was trying to purchase a home, was never treated so rudely. I had the money and was going to buy off their website because I am homeless as of right now which I told the salesperson I was having trouble finding a mover so they put theirs in touch with me. He was to go look at my land where it was going and because their mover lied and said he could not put a mobile home on my land they sold it right out from under me with a buyer's order signed. Besides that my land is perfectly flat and straight up the road into my property and by the way is a mobile home development. My lot is 2 1/4 acres.

These people are very rude. My husband was injured in his job and out of work about three months now. I was trying to work out a way to pay but they didn't want to hear it. So I've been keeping in touch to let them know his process and paying something but they call every day and very very rude and ask where we get money from.

I have had the misfortune of dealing with Vanderbilt Mortgage for several years. I am not a wealthy person and struggle to pay my obligations but I do pay. Three months ago, Vanderbilt tacked an advancement charge onto my account claiming that a delinquent tax payment had been made to protect the property from tax sale. I repeatedly informed them that there were no delinquent taxes owing on my property. They insist that the payment was made but do not have a bill to show the delinquent tax. Do they expect me to believe that they decided that taxes were delinquent and paid them without a bill to substantiate the charge and further that they did not retain records of the payment and that I had to get it from the tax office.

My mortgage was recently sold to Vanderbilt. In all of my years of working with mortgage companies, I have NEVER been treated so poorly. Vanderbilt adjusted (increased) my escrow account and failed to notify me. I sent my mortgage payment as specified for the monthly amount. Vanderbilt sent me a letter 31 DAYS LATER telling me that I was short on my escrow.

My nightmare started in Oct 2007 when I found out about the dirty deal that vanderbilt and Clayton homes did with my mother. They gave her a loan in my name without my permission and that's when this nightmare started. I found out about this home when she didn't want it anymore. I am forced to live in this mold infected dump until it's paid for. Please be careful and mindful of these two money hunger companies. They will do anything for money.

My husband and I went in to buy a home at Clayton Mobile homes of Wilmington NC and believe me, I wish I had walked right back out. It started with friendliness and handshaking. $3400 down on a brand new home, THEN it was FHA would not finance us because of a hospital bill so we were pushed to go with Vanderbilt, the bank owned by Warren Buffett and his little minions are from hell.

We purchased a home in 2010 from Clayton Homes and used Vanderbilt Mortgage as our lender. One month after closing I was laid off as a nurse. We got behind but caught back up. In 2012, my husband was laid off. We got behind again but caught back up. In 2013 after paying on our home for 3 years our home caught fire. The insurance investigation ruled it electrical and found Clayton Homes liable. We received $110,000.00 to pay our home off.

First off I just want to thank everyone for posting their reviews. This has really helped me. My husband and I just got approved for a loan on a repo and we were on our way to go look at the place. So I found myself on this site as we were on our way up there. All the reviews on here are basically about the same thing. Harassment, rudeness, cold-hearted and the worst one taking advantage of people by taking more money and more money every time. I feel bad for you guys. I hope and pray something gets done about this cause this is so wrong.

My husband bought a mobile home and financed it with Vanderbilt in 2004 for 30,000. We lived in the mobile home and made monthly payments. My husband passed away and I called to get a payoff on the account and was told 15,000. Then 6 months later was told 18,000. Then another 6 months later they told me 24,000. I told them to come and get it. I let them repo it. They finally moved it in Oct. 2015. I do not understand why I got such a huge price difference. And the company they had move it stole $2500 in tools that were on the property as well as damaging my field lines for septic and running over the water well and damaging a branch and the driveway. And now no one wants to reimburse me for damages.

My wife and I started out in a little 16x80 trailer house on our own land in 2002. In 2010 our family had outgrown this house and I felt for our safety in the house due to its age. Our credit was not the best so a traditional bank mortgage was out of the question. That's when we found Clayton Homes of Oklahoma City. "Everyone's approved! Just put up 2 acres of land as collateral and we can help you obtain your dreams!" So we went on a Sunday afternoon while they was closed to kinda look around and found a home that we loved and would be big enough that the kids would each have their own room. We settled on a price for the house. The original price was 79,000. After negotiations, we agreed on 68,000 and some change.

We bought our home in 2006 with a down payment of 15000.00. We've had nothing but issues with the home. I've always sent a bigger payment & found out it goes into an account until a full payment is achieved before they apply it to loan. The other day I called after learning that our home had 4 forms of mold in it - found after they discovered I had mold in my body. We had to stay in a hotel as the home was no longer safe for me to stay in. I called Vanderbilt telling them about the situation and that homeowners insurance wasn't going to cover it. Of course the insurance is owned by Vanderbilt. Vanderbilt told me to sell everything we own to fix it and make the payment. I said, "Why don't you show a little compassion," and that reviews I had read were right. He said it wasn't their job to care, and that their job is to collect their money. They called our neighbors to get a hold of us and came to our home.

I HATE Them! They are the worst, did I say the worst, group of unprofessional, uncaring, don't give a care group of people I have ever seen. From the beginning it was something with them. Nasty Nasty Nasty. I had to call the head of the housing people to get them to come out and fix things that was wrong. Now 7 years later... they are as nasty as they were back then. They don't care about any other bills that you have, if you have a family that needs your support, or if something happens that you need to have some time to make your payment. If you can stay away from them PLEASE do!!! I wouldn't even give them a one star if I did not have to rate them... They need to be sued and have to refund people. They are nasty. I understand you got a loan from them and it's your place to pay, but where does working with the customers come in at? Care about something!!!

My experience with Vanderbilt is disgraceful! After a house fire my in-laws were forced to go to Clayton Mobile homes. They were eagerly to help and even prayed over my mother in law since she had stage 3 breast cancer. Vanderbilt approved them for a loan that was supposed to be $469 a month. Everything was fine for 2 months then my mother in law passed. When Vanderbilt found out that my father in law had lost half his income they requested he start making 2 payments a month of 469! That way his account would never go to collections. Since he is disabled and on a limited income this is not possible.

These people are the rudest people on the planet!!! They don't care about financial hardships that everyone has sometime in your life. They start calling you and your family members the first day you're late. I don't know who trains these people but they should be horsewhipped!!!

My payments keep increasing and are now over half of what my social security check is. They refinanced my loan without my knowing and I now owe $138,000.00 on a $35,000.00 mobile home. Can't even file bankruptcy because I have nowhere else to go. Is there anyone that can help?

We were originally approved for a loan which required 15% down payment. If I could afford 15%, I could afford a stick-built home. So we find a home for a lower price and they said we could put 10% down for the home only package. Our sales representative told us to do the land separately and find owner finance and Clayton Homes would add the well and septic into the loan. So we put our 10% down on the home. After Clayton Homes received our down payment, they informed us they would not be able to add the well and septic due to the type of loan, the home-only loan. So we ask that they add us to a home/land package, which is what we were looking for initially.

I am so sorry that I ever started to do business with these people. They are rude, heartless, arrogant **. I'm sure that everybody has their ups and downs as we go through our lives. People hit hard times and need time to recover. I recently went through a divorce in which hit me pretty hard financially. I tried explaining my situation to these people and they had the audacity to suggest that I take in a boarder, have a yard sale, cut back on groceries, go to beg at a church, etc.

They harass and lie to us. I have had my home for almost 12 years. They cheated me on my home owner's insurance and lied about it. I missed one payment and the idiot that handles my account is threatening me with foreclosure. The property it is on was mine and I will be damned if they get it. I get this place sold, I am going to take a cashier's check to Vanderbilt and throw it in his stupid face.

Everything everyone else has said about Vanderbilt is completely true. They are immoral, unethical, rude and should not be allowed to defraud the general public. Where are the agencies that monitor these kind of organizations? Being paid off to look the other way! Caveat emptor! Let the buyer beware.

Vanderbilt is the worst mortgage company. I will tell anyone not to deal with them. Their staff that is employed are hateful and very very rude!!! Talk smart to you always threaten to take your home. I have had my home for 11 years. Just because you be late sometimes they ready to take your home. If I been paying what makes them think I don't want my home.

THIS IS A FIRST FOR ME. I have never been so disgusted in my life, never in my life had to deal with something like this. But after reading the reviews about this Company I am just speechless. How on earth can people be treated and talked to with such rudeness? Something needs to be done about these people. There has got to be a way to handle this COMPANY. I know there is someone who can put a stop to this. I so wish I would have known about Vanderbilt before I signed with them. This too shall pass.

Vanderbilt Mortgage is a joke!! Never have I dealt with a company so unwilling to help one of their customers. I have held a mortgage with them since December of 2007 and have never missed a payment. Ran into a slight rough patch and asked to extend ONE monthly payment, usually not that big of a deal right? Well, guess again! Vanderbilt SUCKS!!!

Sold me damaged home that had flood damage. Told me they would fix it. Never did. Now my floor is caving in and they harass me to make payments on time. My mortgage went up also. They are very rude.

My family and I are victims of fraud, unfair trade practice, and predatory lending done by Vanderbilt mortgage from Maryville, Tennessee, here in South Carolina. We were presented a higher contract but opted of out it before purchasing it. (We changed our mind about purchasing the home) later about two or three weeks later, we receive a call from Clayton home, informing us that Vanderbilt mortgage had some good news for us. They presented us another contract that was lower with a fixed rate with escrow included in the loan.

Work could not start until early spring due to Colorado weather. In May 2015 it rained so much there was hard flooding. Our house was roofed and completed mid June. The House was safe, in no danger. VANDERBILT kept the portion of insurance funds meant to pay contractor stating I had to prove I PAID CONTRACTOR BEFORE VANDERBILT MORTGAGE WOULD release the funds to me. I requested proof they could do this, because under Colorado law they can not. It is considered "bad faith."

I call Vanderbilt to let them know that I submitted my monthly payment on 15th of the month. The representatives that answered were very rude to me. She began talking to me like I was a child and insisted that I elect auto payment to help me remember.

All I'M gonna say is this company is ridiculous and I will never never never recommend anyone to Clayton Homes especially if they finance through Vanderbilt.

My girlfriend and I went through Clayton Homes which was facilitating a home for sale for Vanderbilt. In the buying process everyone was nice. After closing, things went sour. They are rude and unprofessional. If you can get home financing at another place, please do.

We bought a home and when we did we had to put our land up for collateral. And we moved in the summer. It took 8 months or so to get underpinning. And then we had to pay 500 dollars because our pipes busted because they didn't do their job and we lived there for 2 months without a stove. And I was late on a payment and they told me I was a failure and I was always gonna fail. Worst service of my life.

This place is horrible. We bought our double wide 3 piece home in 2006. In 2009, my husband lost his job. It took months for Vanderbilt to realize we had a hardship after constantly telling them and in December 2009, they finally called themselves helping us by lowering the interest from 10% to 8.5% and started the loan all over again, which meant the $50,000 or so we had already paid, got absorbed by them, and the loan started all over again with maybe a $2000 drop from the full amount.

Horrible company. No grace period, very very very rude people. They start harassing you after 1 day of being late on a loan. They actually told me my marriage would fall apart because we cannot make payments on time. What a waste of life on these people.

We try to get a loan for 2 months, after we receive a official letter of loan approval and 11 days later they cancelled it at the very end. In my point of view they will never had to told us everything was ready to close if they weren't sure. Totally disappointed.

I took over these payments back in 1/2011 and not once that I have spoken to a person that was understanding and kind. I strongly believe in customer service and they lack in that area tremendously! If I could get another mortgage company to refinance this loan I would in a heart beat. I am always being criticized for the fact that there are times that I have to make my payments later than the due date which is on the 1st of every month.

We apply for a loan. We got one. Went to to the lot in Morganton NC. I was told he still had our paper work, said walk in come first. I call main company. I applied and we talked to the head manager and got us approved for a loan only $59,000.00. Then he said we will apply for a better loan. I called and I spoke to this lady in finance she wasn't so nice. What can we do with that amount. We bought one about 19 years ago. Never late. Paid it off early. They changed a lot. Want us to pay 7,000 dollars down. I feel like they could of done us better. They didn't care about getting us a good loan.

My Wife and I bought our first "home." It was a brand new 1999 double wide mobile home but we bought it in 2001. Very lucky to get it with our finances and credit shaky. It was $35,000 - 3 bed, 2 bath, den, fireplace, a really nice home for the price and like I said very lucky to get so we were extremely happy with it, even though seemed cheaply and quickly built, but we loved it. For Me, her and the 2 kids it was just right. We got financed at 16.9% so in the long run it would cost us $85,000 after 15 years!! We were financed through Chase Manhattan and was sent a payment book with payment "coupons" to send in the monthly payments, it was a year's worth.

Repeated harassing phone calls if a loan payment isn't there on the due date.... No grace period allowed. I am a signer on my daughter's loan and they have harassed her for most of the thirteen years she has paid on this loan. It was set up to be a fifteen year loan for about $55,000.00 dollars, she has paid around $62,000.00 and they still say she owes about $20,000.00. There is something wrong with this picture and they want to charge her between $50.00 and $100.00 for a payment history.

We have tried we are waiting for claim with the VA and have had paperwork sent. I was told they were working with us. Not the case. I was served papers at 10:30pm for foreclosing. My husband cannot even know because of his heart, unstable blood pressure and cancer I cannot even let him know. We use our money to pay people to help. I am disabled also. We have our grandson who was hurt on deployment and his son living with us also. He gets a whopping $2.30 a month and is unable to do much and has to have another surgery. My husband's cancer is back and I am done. They scream at you on the phone tell you to just quit, "You can't afford us," then turn around and say they will then not.

We bought a single wide from Clayton Homes in Dec of 2004. We've always made out payments every month for the last 11 years. Our payment is due on the 1st but due to the date of our paycheck varying, we sometimes have had to wait until the 5th, 7th or even the middle to third week to pay. In the beginning we'd get phone calls from them on the 5th demanding payment. They were always rude and didn't care whenever I would try to explain that our paycheck varied and we'd pay them when we got paid. In my opinion, I'd think they'd rather wait a few days to get their payment versus me giving them a payment that would bounce. I even told them that, but all they cared about was demanding a payment right then and there. Seriously, when the money's not there, it's not there and there's nothing I can do about it... But when it comes in a few days, I'll make sure to give it to them as promised. I dealt with with that over the last 10 years from them.

I'm not pleased with customer service. They are trained to talk to customers any type of way. They ask questions to get in your personal business... They also do not listen very well. Wish I would have never gotten with this company.

My experience as a customer with Vanderbilt Mortgage was unexpected. Their bank charged me NSF fees which was 20 dollars two times that came to 40 dollars in nsf charges. The customer service representative refuse to take the time to get correct check number process right. They also charged me $17.50 because it reached the due date over the 15th. They will not call you until later to let you know they are still having problems with your payment so you will be charged the 17 dollars and 50 cents as well. Even when you sent your payment on the first of the month. They will also claim that you are so very late on your mortgage payment and will call you on the 6th of the month asking for your payment. They are so cruel that your relatives will be harassed with calls about your payment. When they haven't even given it any time for it to get to the company.

We have had a loan with Vanderbilt Mortgage since 2007 and we have always paid our payments every month. There may have been a few times we were a few days late but the payment was always made. In December of 2014 when oil prices went so low my husband's work which is drilling gas wells slowed to only working around 3 days a week.

March 2015, after arriving home from work I entered my home to hear my wife having a rather heated discussion on the phone. She was very upset with whomever she was talking to and stated, "Stop calling me, I make my payment and I know it's late but I always pay the late fee!" After she hung up the phone I inquired as to whom she was speaking to and my wife informed me that it was a Vanderbilt collections agent (female) who was very rude to her on the phone.

We bought our land package with Vanderbilt a few months ago. We are finding that they are somewhat unreasonable about getting their payment on the first day of the month. They do harass really for no reason and if they are reading this... it really does not work, most the time they hang up on me. But what has really upset us is that we got a letter that had our so called adjusted escrow bill on it. When we bought the land package we had a very good down payment to put down... They held the first year insurance out for the home, and we had them hold out enough from our down payment too so that we would have enough to pay the taxes when they come due.

I bought a Clayton home that legally is owned by Vanderbilt because it is not paid off. I have always had problems with this home and the appliances and in October of 2014 I saw the first signs of mold and I called my insurance company. I called Vanderbilt when my roof began to collapse and I had to move out on Feb. 2015 because the toxic mold made me and my child very ILL. A customer service manager ** from Vanderbilt promised to have someone call me with some options since I do not have $15,000 plus to repair this home. No one ever called me back. I called them and I got some customer service man harassing me for a payment and telling me that I have to pay for this home regardless.

Vanderbilt has an insurance that will not pay to have our home fix and we are paying for it. Our home leak, got mold, got to put things down to catch the water when it rain. We report it but they will not fix it, and they keep changing our monthly payments. We don't know what to do. The insurance adjustor said we need a new whole top for our home. What kind of business is this.

They make mistakes constantly and cover them by threatening you. I will be writing the Federal government. I guess they want their license pulled. We need to do class action against them.

We have had our home financed with them. Never again. They are ruthless. They tell you to sell stuff to get the money. I sent 1700.00 moneygram on Friday. Spoke with Jerod and he said I needed to send 207.00. I did and if I didn't have another call on Monday to call them back. Needless say I am not calling back. They call everyday. Telling me I need to exhaust all my means to get the payment in. I am working 50 hours a week and so is my husband. We owes than 10000 on the account. Then I am going to let them know what I think. Anyone have any clues with how to file a complaint against Better Bureau or State Attorney general's office? Also considering a law suit of mental and emotional abuse.

We paid almost $2000 in January. Received a letter in the mail on Feb. 20 saying we owe another $1,146. March they wanted us to make two more payments. Is this even legal? In January we were only $400 from being caught up. Now we owe 4 months payments.

Sad we got involved with them. First the interest rates are too high and this is most likely a waste of my time but we went to Clayton homes and needed affordable living. That’s where the mess really started 2007. Well we have a very good pay scale since 2010. No one wants to be late or short paying. Well my husband's self employed. What the Government takes we struggle all the time. Well Feb payment due and we are well aware. So the phone rings. It is Vanderbilt.

Please don't sign a contract with this company. They have harassed us in the past when I wasn't able to work because I had small children. I was given a summons for jury duty and the judge excused me because I needed to work and I showed him the letters these idiots sent me. Just go get a loan from a bank, the reason it's so easy to get a loan from them is because they are loan sharks. They are rude, want to know what all your bills are and then tell you to go borrow the money from a church and get groceries from a food bank. Then they say they are sending your info to someone who may be able to "assist" you and they never call you back until you are late again. They need to be put out of business for harassing hard working people who are trying their best to pay their bills.

On January 21st we mailed the payoff on a trailer that we have on adjacent property to our home. Our ten years were almost up and the amount was minimal. After two weeks we received the escrow which was a surprise because we thought it would take months to get that but as of today we still have not received the title. The first time I called (after two weeks) they said it was mailed a day earlier than the escrow. The next time I called the person said it was going out the next day and the third time I called they said it wouldn't be going out until the 23rd which is a month after receiving the payoff.

In Feb 2013 we purchased a home from Clayton Homes financed thru none other than Vanderbilt Mortgage. Since that time we have never been assessed a late charge, yet if they don't get their payment on exactly the due date, they call and demand to know what's holding up the payment. Today the rep was rude not only to my husband but to me as well, which in turn received exactly what was being dished out and resulted in me hanging up on him. I don't typically react in this manner as you catch more flies with honey, but his entire attitude and testy manner pushed me beyond control. Clayton Homes and Vanderbilt work in concert as I have been informed both are holdings in Mr. W. Buffet's many companies. They rush you through the closing and contract and after today I am convinced this is part of their typical business practices, the "fine print" if you will to allow them to harass and belittle customers into payment.

I purchased a home in 2010 from VMF and the loan was based off my husband's income. Which had over-time included in it. So when over time was cut in 2011 it was hard to make those monthly payments. Which as far as I am concerned they committed a fraudulent loan. This was another company that is as bad as the companies that went down in the 2008 market crash. Which we still make payments late or not. We put our land up which was paid for. I know DUMB on our part. I have had numerous cuss out matches with these people. They make you so upset if you could reach through the phone and you could choke them, you would. I have had them call us at 11pm at night telling us they are foreclosing which is BS, we are only 30 days behind. Which everyone one of them are rude and uncaring people. It must be a requirement to get the job!!!

Have had our home for 9 yrs. and have never been more than 15 days late. These people are total **! They make you feel like you're total scum and that you are gonna lose your home for not even being a month behind. I would NEVER recommend this finance company to anyone!!

These people are mean and evil. They call after only one day. When my husband became unemployed it was hard to make ends meet and we were having to work with our creditors to pay things a little late or different dates. Talked to Vanderbilt and the person I spoke with yelled at me and made me feel like less of a person. Told me it was a miracle we even have our house. I filed a complaint with the BBB. They called another time and were rude so I asked to speak to the supervisor. He *sounded* surprised when I told him about all of this and told me that shouldn't be happening and that he would talk to the people in question. I've never had an issue since, but I still hate them. Due to my credit situation, I can't refinance to another loan place so I'm stuck. *sigh*

Have been with Vanderbilt since 1998. In the beginning it was ok. They financed a 1982 singlewide mobile home and I paid it off. Then they financed a 2006 new custom ordered Clayton Rio Grande. They took my land as a down payment. A few years ago, they jacked my payment and I am on a fixed loan at 7.5%. I freaked. They said someone made an accounting error on their end and didn't pay my taxes and insurance and I had to make up for it by paying them over $4,000. I could not make the payment. I have always been on time with my payments, even through all this. They forced me into an in house loan modification to get my payments down. They threw me into a new 30-year loan with a $25,000 balloon at the end.

I agree with all the other reviews I am seeing on here. They relentlessly call both my husband and I if we are a few days behind. They call my father and grandfather whom I put down as contacts while filling out paperwork. They must lay really well up there because all of the reps that call me must NEVER be late on any of their bills. They would have to pay me a fortune to harass hard working people all day and be as rude and hateful as I can when I get them on the phone. What a miserable existence for them. They do nothing at work but cause more stress and strife for families trying their best to make it.

This company has called me when I am as little as 5 days late with my mortgage payment and told me I am an irresponsible worthless person. I make my payment every month and have every month for 2 years. I have never been more than 10 days late and every time they call me, they tell me they are going to foreclose on me and throw me and my kids out in the street. I am not stupid, my loan is not in default please... I have told them on several different occasions that talking to me like that isn't going to change anything because I cannot get the money any sooner.

These people are the rudest people I have ever did financing with. As stated on my bill, after the 16th I will be charged $5 for a late fee. The woman I talked to was hateful. Said after the 1st, my payment is late, and that I signed a contract stating that. Then went on to ask why my payment was late, what is the reason behind it? I thought this whole time I had until the 16th to pay it. Never been told any different. This woman was very hateful in the way she talked to me. I will be refinancing through someone else. This isn't my first bad experience with these people.

We recently had a very severe storm come through causing damage to our roof. The insurance came out and promptly paid the claim, so we could get the roof replaced because it was leaking into our house in 3 rooms. Since the claim was well over $3,000.00, it was made out to us and Vanderbilt. We were told by Vanderbilt to endorsed the check and send it to them and they would send the check back for the repairs, which was the first lie! 5 months later with 100's of conversations with VMF and more damage to our home, Vanderbilt has yet to release our Money to pay for the repairs.

Bought a house, told taxes came out of mortgage. No such deal here. My home was sold in tax auction. Never knew about. They had to buy back. Still a nightmare 8 years later. Just for the heck of it tried to get a second mortgage and after being transferred 5 times, they can't even start to help me.

Tried to pay my loan off. They told me I could not do that because it would ruin my credit. So I called back on Monday, told them I needed a pay off. The pay off was the same as the interest. I ask why. He told me that's how they did things. They're very rude so I gave them what they wanted. I just want everyone to know never get a loan thru these people. I've learned my lesson.

Got a loan from them in Nov 2013. Calls galore ever since. Always start when you are one day late. Rude as ever people. They sent us paperwork for a loan modification, faxed it to Vanderbilt on Oct 17 and on Nov 2 received 6 separate pieces of mail. 4 stating we didn't qualify because we had enough money to make payments and 2 stating we qualified for a payment plan? They all stated if we did not agree with it we could appeal no later than 14 days from date on letters, which letters were dated Oct 21, that have us 2 days! Oh well I guess we will continue to make our payments of $947 month which they just raised this month to $972. LATE, LATE, AND LATE!

My husband and I took on this mortgage after my mother passed away and although the house had not even been delivered, they explained that she had put the land up as collateral and they would take the land as the loan was in arrears. I have been paying this loan for 15 years and have been 30 days late 3 times tops. When we call to report a payment we are harassed if we are more than 1 day late. They try to keep you on the phone asking you why you are late and why you can't pay on time. They are rude and show no empathy whatsoever to the point I tell them "what difference does it make, you are not going to try and help me." They are a disgrace to the loan industry and my heart goes out to anyone who has them as a mortgage holder. If you are thinking about using them DON'T!!!!

We were at the last part of our contract with 2 weeks to close. When we sent our deposit it was sent back saying the home was just sold! But we're told the day before there were no other perspective buyers.. They didn't even speak to us but left a message saying they were sorry for the inconvenience.... then once I actually called them back they told me that I was lying and called me and my husband a liar! They're rude, heartless and extremely unprofessional. I have yet to read one positive review on this company. Maybe it was a blessing in disguise!! To me personally it seems like a scam!!

I have had a loan with vanderbilt mortgage for 10yrs. I still owe as much then as now. I've never been late until a month ago. They've called and threatened me and tracked down anyone who knows me and told them continually I don't pay my bills. They even called my 80 yr old mother. My interest rate is 14 percent. I got behind because I got chronically ill and yet they continue to harassment me!

Had home damaged during storm. Can see daylight from bedroom thru rafters. Insurance company wrote check to Vanderbilt in my son's name who owns home. My wife and I have his power of attorney, but we had him sign it during a rain storm where he works outside. We got estimate from contractor to write estimate. He included cell and business phone. Insurance adjuster had number and estimate. Sent info to your claims department. They refused to accept check saying signature didn't match the one on file for my son.

After fifteen years paying on my single wide, I was unable to make my payment for Sept, Oct and Dec of 2012 due to having to replace a heat pump, hot water blew and flooded the home and head gasket to my car went out. Though I called each month offering to send a payment or two I was informed if all payments were not received by the 1st of the fourth month, a stop accepting payment would be placed on my account. Vanderbilt contacted me on the sixth month offering to refinance my home if I would send in a payment reflecting six months. I was assured a contract would be sent to me. The contract was never sent but Vanderbilt insisted I still send in the six months worth of payments or they would foreclose on my home. I was advised not to send in any money without a contract. On the 11th month I received another call from Vanderbilt offering me the same deal on refinancing my home provided I send in another large sum of money. Once again I received no contract. Here we are Oct 2014, and Vanderbilt is taking me to court for contempt on Oct 13, 2014.

The home was purchased for me by my friend. Vanderbilt would not allow my name on loan because we were not married at time of purchase in 2005. We did get married and then he passed away in 2011. The will stated that he left the home to me and I notified Vanderbilt about name change on loan. I furnished them copy of will, marriage license, death certificate and my income from SS and his retirement. They said I would have to apply for a loan in my name and refinance the house. I get statements in his name addressed the Estate of **. He's been gone two years there is no estate. Also the credit for the house payments go in Him. I am so tired of this and at my age I can't even sell the house without signature from kids. My attorney said, "Walk off and let them have it." So seriously thinking about doing this. When you talk to them you get a different story each time.

If all of you file a complaint with the federal government via FTC (federal Trade Commission) for consumer protection, they will go after them. It is against the law for any creditor to contact someone at their place of work if you notify them in writing not to do so. Please send it with return receipt for proof of this. All their collection practices are illegal. I would also guess that their loan policies are too, example making you use their insurance company to insure the home. No reputable loan company would ever require that unless you let your policy lapse.

I have a mortgage with Vanderbilt. Since buying my home in 2009 I have fallen on very hard times. Vanderbilt is not will to work with me. I tried to get them to modify my loan but they will not. Now I'm 2 months behind and they say if I don't bring it up to date by Friday they are going to foreclose. Heartless people. My heart is breaking.

This company is heartless. Have they ever heard of a grace period??? When I first bought my home and moved in they were sending my account notes to my old address, that should have been a sign! Plus they would call to see if I was interested in my house that I was already living in and had purchased well over a month. Well I fell a month behind because my work cut my hours and they put on this big front like they will help and then they don't! Said my situation didn't change! Yeh my hours were cut back and they somehow raised my escrow stating it was my homeowners insurance, which till this day I do not understand how that's legal!?!?

We purchased a single-wide home in 2000 and we had a very nice piece of property on hwy 701 that is 10.5 acres. There is a 5000 sq ft home next door and a 4000 sq ft home across the street. We were intending to build a 5000 sq ft home there while living on the property. Vanderbilt said we have to use the property as collateral so we did. Our credit was not the best so we were compelled to accept the high 11% interest. We struggled making the payments for 10+ years and asked more than once for a loan modification so we could better afford it. At one time recently we got behind on our payments and they foreclosed on us. They performed the sale proceedings in a secret little room of the court building, while I was in the main court all day, waiting for my case to be heard, without informing me of the change of location. We lost the home and our property, that we intended to build our house on, since I had retired before purchasing the trailer. What can be done?

These are the rudest people I have ever dealt with in my life. I lost my job recently and called to make arrangements. At first, they seemed as though they were going to work with us then got ugly. They called everyday and called contact list and harassed them. I was trying to get my unemployment going and my husband is a truck driver whose wages vary from week to week. We also did loan modification sheet and they said he made enough to cover all our expenses. They said we needed to call everyone we owed and get them to work with us on payments and have them deferred but then they would do nothing. They said we needed to go borrow money, right I don't have a job, talk to family members or whoever but we needed to get our payment made right then. I hate this mortgage company and wish they would sell my loan. I would not and never will recommend them to anyone and only hope that one day that they have to go through what we have and no one, no one helps them. I could go on and on but am so livid just writing this. Something needs to be done about these rude, arrogant people.

These are some of the rudest people I've ever dealt with in my life. They call you several times a day. They call your contacts and identify where they're calling from which is an invasion of my privacy. If you don't answer their call they immediately start leaving messages with your contacts. I had a rep tell me to cancel insurance on my daughter when I was late because I had to pay $1103 to renew my car insurance. He told me I could pick her up or she could ride the bus. I was also told that unless I told them where I would be getting the money from the following week to make my payment they weren't going to accept the payment. I told them it was none of their business as long as they got paid. They said it is their business. Forget the fact that I was only 12 days late at the time. You would've thought I was months behind. They ask you all types of personal questions like what did you do with your money when you got paid last week. Someone needs to file a class action lawsuit against them for the pain and harassment they have inflicted on so many people.

They promised me that they would let me redo the loan so I could take her name off. So I paid on the loan, trusting them. And guess what - been paying on it since 2011 and now they say she has to stay on the note till paid in full. They do not want lies to them from you, but they do not mind lying to you. You can tell they are only money hungry and I do not like being mislead. So now trying to sell the home to yet again to start over, but they will never get my business again.

My wife and I went to Vanderbilt through Clayton Homes and placed $5000 down on a home they had for sale on their website. After holding our money for over a week, they informed us they had sold the home we put money down on. Sold it out from under us. We then put the same money on a second property and were later informed they had sold it too.

They have harassed me endlessly. They tell me how much money I have, not thinking of repairs or any sort misfortunes I have ran into. My father was dying, I needed to be there. I got one payment behind and always pay on the 25th. They need to stop. There is so much more I could add.

I was forced to find a place for my children and I. In 2009, I was thought I was renting to own a beautiful trilevel with four bedrooms, two full baths and full basement house in a nice part of town - $800 a month. It was great until the sheriff shows up with foreclosure paper. So after a lot of phone calls and a attorney, I finally got back my down payment. A glutton for punishment, I found Clayton mobile homes from a neighbor that just started. I was supposed to be getting some type of gov assisted first time homeowner's loan. So after a lot of paperwork and a lot of nerve-racking phone calls for more money down and $7000 later, they found a loan with Vanderbilt at 13.3333%. At first was OK. At first it was great - even know I was paying $586 a month plus $270 for lot rent. A $42,000 loan turned into $142000 loan. For a mobile home - WHAT!! But had to have a place for my kids.

I paid one month in advance to VMF because I did not know what was going to happen in my near future. I was told I wasn't going to be able to work in the summer because I was a student assistant. So, I paid my mortgage one month in advance just to make sure I have time to look and receive some kind of job in the mean time. I found another part-time job in the evenings, an immediate blessing. And then was told I could start back to work that June for some reason they changed their tune about student assistants working in the summer but, the bad news is it is like a rehire. I would not receive a paycheck for 5 weeks. I thought, well okay, I paid in advance I should be okay. Well I was one day shy of being two weeks late. And a woman called me. She was terribly rude to me. She talked over me and would not allow me to talk and then she accused me of yelling at her. I told her I was not yelling at all but I surely could.

I bought my home in 1998 and it was financed through Chase but they "sold" all their MH accounts to Vanderbilt, I was told. I lost a great job in 2004 but managed to get by and began a new job in 2005 but was placed on and off lay off in 2007 and let go in 2009. During this time, I had to file Chapter 13. These people called me constantly, talked to me rudely, told me my payment should come before my light bill or food, talked to me like I was an animal and made my situation so much worse by torturing me mentally at a time when I was desperate already. I became so depressed, I gave up even trying.

My husband lost his job in 2012. We ask Vanderbilt to do a loan modification for us. The loan is in his name only. We were told he made enough money to pay all our bill with money left over. HOW CAN THAT BE GOING FROM $600 A WEEK TO $235 ON UNEMPLOYMENT? They are rude and after we file all the correct paperwork for the fair housing bill passed by the Obama, Vanderbilt is still foreclosing on our house. RUN FROM THE COMPANY. DO NOT BUY ANYTHING FROM THEM EVIL PEOPLE.

We received a loan from them. After the allotted time was up to back out food out, husband had another agent orange issue which we were already had a claim in. Because of the multi dr appointments 2 1/2 hours away and both of is disable they say they will refuse any money unless completely caught up . They are rude and make you feel like scum of the earth. You have to use their insurance and it does not cover anything. You get multi phone calls and mail every day and the voicemail they leave are awful. I am so done with those people that seem to have all the money in the world or can walk up to anyone and get what they want. Join the real world, real lower income people cannot do that. We feel bad enough without that. They need to be knocked off their pedestal they are on and look at the dirt they make people feel like.

Today July 28th, 2014, after speaking to Jarad as well another customer service representative on Thursday of the previous week, Jarad called me back today with the same? He called me back taunting me - this has to stop...

This company is not fair and they lie just to get money from you. They will do anything and everything.

I have dealt with these people for almost a year and have never missed a payment or been over 29 days late on a payment. I called them today to let them know my payment would be in in a week due to having to pay a huge medical bill. Man on the phone, who didn't identify himself started "lecturing" me on my house payment being more important than paying my hospital bills and payments for having several procedures that HAD to be paid before the procedures could be done. He is a joke, just a loser who probably can't get a job anywhere else. Plus you can google it... They get commission on how much collections they collect in a month's time.

I am a disabled veteran that served during 9-11 tragedy and I suffer from PTSD. I went through knee surgery in December of 2013 and January of 2014. Then our 30-month-old son was hospitalized for 2 weeks at a children's hospital 2 hours away. We told Vanderbilt this as soon as we were able and I even tried to pay with a debit card via phone call since we were unable to go anywhere to send a certified check or money order or Money Gram (their preferred method) but they don't accept debit cards. Last night a field rep by the name of Bruce came by and told us to speak to a man that did nothing but belittle me and called me a ** and an inconsiderate **. Told me that weren't making any effort to pay our bill and I should have starved myself while taking care of my son at the hospital.

Had to stay on the phone & answer personal questions for over 45 mins to make a payment!!!! Unreal! It took a little digging online, but I found out: They don't care how they treat people because they are rewarded with a bonus depending upon how much money they bring in within the month. So they call nonstop to harass, lie, degrade, yell, interrupt, ask personal questions, use scare tactics & are rude beyond belief just to get that extra money. I'd rather be polite for free & go to bed knowing I am a good person than treat people the way they do to get a bonus. But, Vanderbilt teaches their employees the opposite & rewards that behavior. Very sad.

We have a mortgage through Vanderbilt for a mobile home bought in 2004. Due to unforeseen circumstances, my husband and I filed bankruptcy two years ago. We had all intentions of making the payment due on our mortgage even though they were listed on the bankruptcy.

I bought my home in 95 on a 20 mortgage, should be paid off in 2015. I've had 3 extensions for health reasons but no payments been late. They are automatically taken out of my checking account. I spoke to a lady a Vanderbilt and she figured it would be paid off in July of 15.The boss on the other hand says Feb. of 16 which makes no sense at all. He says that the way it figures out that 20 year mortgages could be 21. How the crap he figures that, I haven't a clue. They sent me paperwork and it still doesn't sit right with me. I think from all the lawsuits they have had they are scamming the little people!!

My original loan was with another company who sold to Vanderbilt. I was not informed of the sale for 3 months. I am now making my payments but am a different job due to unforeseen circumstances. I was told if my payment is not in on the 1st of every month, I am automatically in default and foreclosure. I get paid every two weeks and try to make my payment on the the first payday of each month like clockwork. If payment is not there on the 1st, then on the second they start calling me at home and work. Harassing me and are some of the rudest people ever. They have told me to get on food stamps or find other welfare programs for assistance (I don't qualify for any). I was told to change what I eat or sell my car or whatever I can do so I can make an extra payment and be on ahead so that when I do make my payments it will be early.

Pre approved for $100.000.00, after application approval credit line for $78,000.00 at 10.22 percent interest and $9300.00 down. After not wanting a new home, or one on the lot and submitting 3 different home and land packages, VMF rep. calls Clayton rep in Athens and tells her all they will approve is a land home package that has already been repaid. I asked why I do not have the option to work with land and homes under that amount, she says she does not know and calls me back after calling corp. VMF and tells me the same thing. They will only approve an already repaid home land package. No explanation. Keep looking she says. Did I mention payments would be $815.00 per month for 23 years!!!!! At 10.22% interest. She says before you tell anyone, remember you recently filed bankruptcy and I told her you and them knew that when you ran our credit and I told you that too! I'm not hiding anything!!!!! VMF is the one playing dirt!!!

Being young, we got sucked into this "mobile home" at 13.75%. Have tried for YEARS to get them to refinance. They do not refinance & no other company will touch a mobile home. In 12 years, only $6,000 has gone to the principal. And interest has gotten just under $100,000. Now that we are set to buy a REAL home, they are laughing at us and said to sell. Well who is going to pick up a 12-year-old trailer with most of the principal left on the mortgage? We either sell, pay on it for the next 18 years or turn it in and ruin the excellent credit we have worked hard for. NEVER USE VANDERBILT MORTGAGE!! Rudest people I have ever met on this planet. Wish there was a way to force them to settle with us.

Me and my husband got our loan through Vanderbilt in 2009. Have never been late on even one payment till this winter of 2013-2014 due to the very bad winter conditions. This winter he did not work and so his lack of income hurt us. We have a few other loans other than this one and that is including a vehicle loan. We contacted Vanderbilt and ask them what we could do to stay up to date with payments. They denied us for all possible things of course and all other companies were willing to work with us to keep us from falling behind so I told Vanderbilt we scrapped up every dime we had to make our payment so now we fell behind on all other bills and trying to catch up once again with Vanderbilt. They call everyday and I simply told them you guys did not want to work with us and others did, so now you gotta wait for your payment. And now I see that by the comments they do this crap to everyone. Wish we knew this before loaned with them and nobody in my area will deal with this kind of home so stuck with this company.