Vanderbilt Mortgage Reviews

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.

These customer service reps are horrible, rude, heartless, and lack serious morals and values. Not even a month behind, they begin to call our family, friends, our work places, blow up our cell phones and home number. I was so extremely fuming from our last conversation, that I didn't remember driving home. This horrible ill mannered woman decides she is going to be helpy helperton and tell me we need to "downgrade our cars, what we eat, get rid of cell phones, etc." Really? I can accept someone trying to give ideas on making things better, but it is their TONE they use. Obviously, they didn't receive the memo that I refuse to be talked to like that.... Especially since we were paying for April and it was....ready for this, STILL APRIL!!

I was let go from my job in March 2014 and was hopeful that I would have another job in a week or two, but unfortunately, I am still looking. I called Vanderbilt on my due date of April 5, 2014 and told them my circumstances and I was given a 20 day extension. Today, 10 days past due, I got a call from them and missed it, but called them back. I explained my situation, but it fell on deaf ears. Told me I had signed a contract and my payment was immediately due. Told the guy you can't get blood out of a turnip, but he told me to borrow from family and friends. I explained that my family and friends can't help me because most are basically in the same boat.

My loan was purchased by Vanderbilt. I had no choice in the matter. They do nothing but harass me. I always paid promptly until my husband died and then my daughter was diagnosed with cancer. I ask them to work with me but they wouldn't even discuss that. I live on a fixed income and have no way of making extra money. My health is bad. I have Lupus and 4 other autoimmune diseases, high blood pressure, as well as other health problems. I tried talking to them to explain about my daughter, that she was dying and it was costing me a lot taking her for treatment. They told me that they didn't care. It was not their problem and the payment had to be paid. I have never tried to deal with such cold heartless people in my life.

Harassing Collection Calls to My Disabled Senior Mom. She has had a Mortgage with them since February 2000 and has never been late until late 2012 when her fiance passed away but never more than 2 weeks and she currently is delinquent on her payment by 12 days. She has already been contacted by numerous collection agents and has been treated terribly to the point I have had to get involved. She had to hang up on one woman that told her that her answers weren't good enough. So today on March 27th 2014 I received a call from them and when I got my point across I finally found the lady she hung up on and I explained to her she had upset my Mom profusely and she basically said, "that is not what this conversation needs to be about, all I want to know is when will the payment be in." SO GUESS WHAT I ALSO HUNG UP ON HER!!!!!! She informed me that My Mom didn't qualify for a Loan Modification because she has $198.00 a month leftover each month. I said that is not TRUE. She has $26.00 leftover each month. She quoted, "Well that is not my department and we are not the government assistance folks for HAMP."

Vanderbilt Mortgage used fraudulent practices and I believe blatantly broke the law in regards to their treatment of my friend, Hurles **. At this point a case has been filed with the Tennessee Human Rights Commission and he is awaiting the completion of their investigation. Below is a portion of a letter that I helped him draft with his complaint to the THRC: "In November 2014, my family purchased a mobile home, financed through Vanderbilt Mortgage. The initial loan was approved in my father's and my name. When my father passed away in 2007, the loan was modified to be in my name only. I have been on disability since approximately 1999, and my current monthly income is $721.00. My mother was not listed on the loan, but it required both our incomes to make the trailer payment, lot rent, as well as our other monthly bills. My mother passed away November 29, 2013 and we immediately lost her income.

We also bought a Modular Home financed with Vanderbilt Mortgage, 2 weeks after they got it in, my husband was on idle time at the mines where he worked, and we had very little income coming in and they have refused to work with us. They are rude, nasty and even told us to go to local churches and ask for money, if anyone wants to go into a class action suit put me on the list. Would love to see them get what is coming to them.

We have been in battle with Vanderbilt for over 2 years now. We began seeing hard times in 2011, before we ever missed a payment we called them to see if we qualified for one of their programs. They refused us in every way. Then we started falling behind, and we were reaching the foreclosing point, because they won't take anything but full payments, during one of their harassing phone calls they told us that if we caught the payments up, they wouldn't foreclose and they put us through one of their programs so we could keep our home. So we sold some personal items so we could keep our home, and when we called and paid up to date--THEY LAUGHED AT US!! Told us to keep making our full payments.

I purchase my mobile home in 2000 from Vanderbilt. I've had to go under chapter 13 two times to try and keep this home. They have sent the Sheriff to my house several times with foreclosure and eviction letters. They are so rude. I became disabled and partially unable to walk in 2009. I am totally unable to work with a small monthly disability check, not able to pay my bills, buy medicine and keep lights and food on the table. One Customer Service Rep. told me she didn't give a damn if I walk side the road and picked up cans. I am now $850.00 BEHIND. They won't accept the $650.00 that I have all or get out. They foreclosed on me today. The Sheriff will be standing at my door tomorrow. I guess I will die out of this debt. I will tell anybody if Vanderbilt is the lender... run. They keep me in the hospital all the time. Anxiety attacks.

We had been with this company for 10 yrs plus... And this past year we fell on hard times running a month behind. We always tried to talk to them to make arrangements and they were so rude and their supposedly manager was just as bad, won't help out said if not making full payment am I packing and leaving the house... Really... I have $1100 left to pay. I said well if they don't want to take a payment then they can wait another month. Sorry company rude and not helpful at all.

I totally agree with the many complaints against Vanderbuilt. I purchased a home in July 2013 with the option of the every 2 week draft. Shortly in the loan I had forgotten about the auto draft so I have been a week behind on my payments. I called with the money to pay the interest for the missing week when the lady states that I didn't have any interest to pay and that I was current. Then a week later another rep called DEMANDING that a payment had better be in their office on that very day, so I explained that another person said I was up to date but she acted as if she never heard me and continuously demanded the payment be in her office that very day. I now have applied and been approved by a different lender. DO NOT use this company. Please read all these horrible stories and trust us!!!

We had a drastic reduction in our income due to the recession. My husband is self-employed and we have been trying to get our mortgage caught up. We are 2 months behind. The employees seem to be more interested in being nasty than in being helpful, harassing phone calls, not willing to do ANYTHING to help (despite the options listed on the website). They also make it very difficult to nearly impossible to make a partial payment. Do they really think we want to deal with them? It is like the company would rather foreclose than do business ethically. Does anyone have a lead on how to get mortgage help for the self-employed in WY?

Admittedly I am 29 days late on my house payment. This is the first time I have ever been late with them. They called me today to let me know my loan was "in default". When I asked what that meant, the man couldn't tell me but told me that I was "in default". He told me I had to make a payment today but I told him I don't get paid until February 3rd and I'd have to make both Jan and Feb payments that day. He said "NO", I'd have to make the payment today or I'd be "in default". Finally, he told me I would have to pay the Jan payment plus late fees by the 31st. I told him I could only pay $415 of the $584 I owe, but that I'd gladly pay the rest Feb 3rd plus my regular payment just like I always have.

First of all after reading some of these complaints I'm lost for words. I fall in the same category. I've had my home since '99 and I too made timely payments until about 2 years ago. My wife's hours were cut to 36 hrs a week and I'm in construction and times are hard now. Work is slow. They say they are there to help you keep your home. Talking to them is like talking to fence post. Vanderbilt employees are rude, disrespectful, and sometimes just all out in human. I get harass daily. I too get so stressed out. They always say don't send 1 but 2 payments. Don't waste my time. They are hard to work with. I'm shocked with all the complaints there hasn't been a lawsuit yet.

In 2009, I become unable to work and I was the main money maker so just having my husband’s income REALLY hurt us financially. I asked, pleaded and begged for a modification but was told NO every time. And they harassed me awful thru their phone calls to the point I'd be so upset I was in tears. No one should be treated or talked to that way. A week ago I became in contact with legal advisors that told me Vanderbilt was one of the companies that the government gave millions of dollars to so they could help people from losing their homes. And after they went over our income & debt, we qualify for a loan modification. And these legal advisors are making sure we get it. It upsets me that they were giving all that money but refused to help. I agree we ALL need to get together and start a class action lawsuit.

In 2001, Purchased home from Oakwood Corporation with Chase Bank. Oakwood filed bankruptcy and loans sold. My husband passed away in 2009. I was not on loan but had put up five acres for loan. Discovered husband behind two payments and threatening foreclosure. I had $25,000 insurance on my spouse and asked for reprieve in which they refused. Found out they tried to repossess my entire acreage but tax office caught it. They forced me into bankruptcy and would only stop if I forked over all the insurance money. The $102,000 loan was paid off today and they burned me for over $91,000. Took extra month to close because found out all this time that I asked them for write down they said they were private lender and government programs did not apply to them.

I retired over a year ago and there was a glitch in my retirement. I had to wait 6 months for my retirement. In the meantime I had to use money I had put back and help from family to pay my mortgage and my utilities. I got behind on my house payments of 426.86 a month. My retirement came in and I got caught up. Vanderbilt would not work with me at all. I had insurance with them at the time only structural and they were going to charge me 175.00 extra a month. I found my own insurance but they tacked on extra on my payments for four months. They told me it was for insurance extras, well I did my homework and I know they are fraudulent. They own the insurance company home.

Do not buy any thing using this company. I bought a mobile home using them 11 months ago. I started an allotment through the government which takes my retirement pay and pays the mortgage, when it first started they gave the government the wrong number for the account, long story made short they screwed up so now they show me a month short, credit rating went to ** ha ha, so I just increased the payment to meet their requirements but they want extra money to make up the late payment right now. Good luck with that. They will get it in Feb and March. If you think they are good guess again 10 days late and your phone will ring of the hook so beware. Do not use them, go somewhere else. Thanks for you time reading this.

I bought a mobile home from Vanderbuilt 2 years ago. My husband and I did good with our payment at the start. My husband works in construction and work became slow so we started to become late but no more than 30 days. A year and 4 months ago, I was injured at work rendering me unable to work. Workers comp cut my benefits off 6 months ago till a hearing. I received harassing phone calls and at first I tried to explain what was going on and asked for a loan modification and was denied. I was told I hadn't had the loan long enough to qualify for a modification. They have sent people to my home but thankfully my driveway is over 200 yards and you have to come through a gate that has a No Trespassing sign on it and they cannot come past that legally.

After 9 years of making payments on my mobile home, I lost my job this past year and in the month of November was extremely late with my payment. I've received calls every day since... morning, noon and early evening. I've tried to explain my situation to them and they have not offered any assistance whatsoever. They have been difficult to deal with and have not tried in anyway to meet me halfway. Extremely nasty. What's really terrible is that the calls have been so upsetting with one representative even threatening eviction. I am desperately seeking employment in an effort to get caught up with all my bills, The harassing telephone calls have added to my already stressful situation. Please think twice before committing to do any business with Vanderbilt Mortgage.

There is 15,000 dollars of damage done to my home by 3 teens. I owe a little over 3,000 dollars to pay off my home. My insurance company, Assurant (very nice and friendly), mailed the check to Vanderbilt (not nice or friendly and they lie) so they can sign it and mail it to me so I can start repairing my home. Well, Vanderbilt said that they were not going to sign the check until I sign it first because I'm still making payments on my home. I ask Vanderbilt if I pay off my loan if they would sign the check over to me and they said no, because it would take time to even get my title and that they would still have to process the check because their name is also on it.

In August, I called and asked about a Modification due to my circumstances, and I was paid to date but knew I might have a problem in September. They took all my info and denied me. I did not make the due date payment. On September 10, 2013. When I do not make a payment on the due date, I should not be getting irate calls from their reps talking stupid about when I am going to pay them. If I am paying on the 30th day of same month of due date, they need to get a grip and not be threatening me from the 10th thru the 29th of the month after I have told them of my situation when I loss 3,000.00 monthly of my income, and especially if I never missed a payment in 6 years with a balance of 5,000.00 left on mortgage. I'm a disabled vet with PTSD! The last thing I need is to go off on these people!

I purchased a home with Vanderbilt last year July, and I was late a couple of times due to financial problems and the co-signer didn't move it, like he was supposed to. I was left with the mortgage, and when I asked for a modification loan because I am on a fixed income, and they said no. They were rude and nasty, and said no. So they told me to be out by the 28th of June 2013. I would not recommend anyone to get a loan with them.

My boyfriend bought a home through them and got behind a bunch of times. I just ran my credit score and saw that the account has been sent to collections 17 times and it's on my credit report! How can they submit an account to collections that my name is nowhere on the deed/title/mortgage???? He has since paid it off, received the title with his name as sole owner...yet, my credit is ruined!

I would advise anyone that may consider financing a home with Vanderbilt Mortgage to read and make sure that they understand the loan they are going to apply for as the salespeople are very eager to hurry you up and get you in your "new home" and in debt for years with the highest interest they can stick you with and forbid any situation come up that you cannot make your payment. They are the meanest bank I have ever had to deal with as they talk to you like you are not even a person with feelings. I suggest you look for another way to buy a home unless you are certain life's not gonna throw you any curve balls.

Back in January of 2007 I became permanently disabled from a fall. I paid on the new 2001 14x64 trailer until June of 2009 when my life savings ran out. I was still waiting my disability to start but it took 2 years and 7 months. I called Vanderbilt Mortgage because I ran out of money. Their manager told that a voluntary foreclosure is better than a forced foreclosure. So I sent the trailer keys back to them after I moved out of the trailer. They sold the trailer for $8000 within a couple of months.

Because of the recession my husband and I lost good paying jobs. We have struggled with making our mortgage payments but have been making them. I have been dealing with one of the meanest and rudest people that I have ever had the misfortune to talk to. I informed them Friday of last week that I had put in to take a loan out against my 401K to help catch up the and today the called wanted to know if I made that payment. I get calls almost on a daily basis. After all the complaints against these people I am really surprised there hasn't been a class action suit filed. If I get the opportunity to move my mortgage to somebody else I will.

Received news that I had been approved for a loan through Vanderbilt Mortgage Company to purchase a $82,000 Clayton Home. After deciding to not follow through with the deal, a week later, I received a notification through the mail that stated "at this time, we cannot extend to you the line of credit." LOL I am so thankful that I did not follow through with the deal after reading so many negative comments from others. THANKS!

Whatever you do please do not buy a home from Vanderbilt Mortgage. Their interest rates are as high as the law allows and you will get "Shafted". I bought a home from them in 2007 which was new - the cost was $70,000 which required a $10,000 down payment due to my credit history. The home was beautiful and I never had any problems until after 6 years, the HVAC stopped working... They said my warranty ran out about 5 months later. I was paying $1,000 per month for the house and lot rent ($215.00). After 7 years, I keep getting farther behind in my financial situation which I missed a few payments but sent them next day telegram... After 7 years, I had only reduced my debt down to $54,000. I paid $49,000 interest by the end of the 7th year...

I have been a customer with Vanderbilt Mortgage for 15 years. I always kept my payments up to date until I lost my job in 2010. I have not been able to find another job as of now. My husband is the only person working. I have been behind on my payments off and on for the past year or so. It is very hard with only 1 income. I get calls 6-7 times a day from Vanderbilt. These are the most rude and impolite people I have ever dealt with. I have tried several times to explain my situation, but they will not listen. They talk to me like I am trash. I sometimes have to pay half a payment one payday and the other 1/2 the second payday, as my husband gets paid every 2 weeks. I have been humiliated on more than one occasion. These people are threatening, rude, and they could care less about their customers.

I mailed a payment overnight with a money order to make a payment. Next thing I know, we got a call from Vanderbilt Mortgage Co. saying that I was 2 months behind. So "RUDE" AND VERY UNPROFESSIONAL. "SO AGGRESSIVE". I was treated like I was delinquent for several months. I did advise them that I sent a payment overnight, but instead of talking, they were using a LOUD TONE OF VOICE and don't want to listen. Next thing I know, the same office calls my son's work and the person that was talking to my son was so AGGRESSIVE and RUDE. He was being listened to by my son's BOSS!! How ridiculous is the scene that this so-called "LOAN OFFICERS " do when they call their customers. Their skills show a lack of professionalism and they should train them better.

We bought a repossession from them in 2011 and were told by the man at Clayton that our payment would go down around $300 a month after we paid on it a few months. It has been well over a year and our payment is still $848 on a used mobile home - It is ridiculous not to mention they are the rudest people I have ever dealt with. They are heartless. They lied to get us to get the home and refuse to help when we get behind.

They were very rude on the phone. I was told by one man that I could pay late and then told by another that he didn't have authority to say that. I am paying late due to previous stroke issues and recent surgery and forced retirement because of these medical problems. The phone calls upset me so much my BP goes to the roof with these people. It's not healthy for me to even accept phone calls from them. I have requested help and have given fin. info but they keep requesting again and again. Ridiculous repeats!! I am forced by circumstances to pay one payment behind three days into the next - no choice. Do I need legal assist?? I hope they understand.

Vanderbilt Mortgage financed a Mobile Home for my Daughter; she didn't even have a job. They never checked that. She had some cash that was left to her and that's all they wanted. The home was a 2004 model but they sold a 1998 heat and air unit instead of a 2004 and there is nothing we can do but keep fixing the unit. I would never finance through them and advise anyone else to consider another company. They won't do anything to help you with problems.

I have been trying to get a home modification and trying to get interest rate lowered. They refuse to help in any way. All payments have been on time and they refuse to help!

I foolishly trusted the company Luv Homes in Tyler, TX in March 2000. The salesman assured me about how solid the company was and how they take care of you when you're in need of help and info. The Insurance was 100% good guarantee, so he said... Well, minor repairs had to be done and the repairman usually came late and had me on a few times sign the work order he forgot this and that. Every time the problem wasn't fixed, I would call until someone would come out. One day, I got a good honest man. He went under the home and told us the house was older than they quoted us and it was dry rotted materials. They informed me about me signing. I learned to live with that.

I just got a call from a Vanderbilt rep. This is the first time in 5 years I have been late on a payment. I was not late when I was helping with my granddaughter with cancer, when my husband had a quadruple heart bypass, or when I came up with some weird problem with my blood. But when my husband had his foot amputated and had to go into rehab and then I ended up in the hospital, I had no choice…She, the rep, was rude from the start. She demanded details. When I tried to assure her she would have the money within the month, her response was that is not good enough. I explained it would have to be. She is sending me a bill in the mail…not that she wanted to. Well, either she will accept payment or she won't...I don't much care at this point!

When I thought about buying a new home 8 yrs. ago, I went to Clayton Homes and found what I thought would be my dream home. I was told, "Your credit is not great but good, and your payment should be no more than $550 month." I can handle that. Boy, was I wrong! It is up to $820 now. I did okay making payments within at least the first 5 days but work got slow about 4 yrs. ago and it was rough trying to make it with 24 to 32-hour week.

Wow, until today, I thought I was the only one that felt this way about Vanderbilt Mortgage. I have had the opportunity to deal with them a few times and they are the most rude and hateful staff of customer service people I have ever dealt with. They talk to you like you are 5 years old and have no sense and belittle you and try and make you feel really worthless and irresponsible. I am really surprised that they are able to conduct business like this because no matter what situation we are going through and why, we are still customers of Vanderbilt Mortgage and they should talk to us and treat us with the same respect that they would expect if they were the customer. Whoever is in charge at the top needs to take a good, long look at their operation. I would definitely not recommend this company to anyone, even my worst enemy!

I am still having trouble with Vanderbilt bank. I have the whole balance paid off. I had the money shipped overnight by FedEx from 21 Feb 2013. They received it on 22 Feb 2013. I received the title and other paperwork by 18 Mar 2013. I was instructed to go to the DMV in order to get the lien taken off. This I did. Vanderbilt still owes me $134.31 from the escrow account. This they have not done. I hope that you enjoy the explanation as to why they will not send me the $134.31 as I did. They also owe overpayment. I told them that the payment would be there in 10 days. I was given a quote. I paid that quote but they received the money before 10 days. They need to pay me back the overpayment amount.