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About Vanderbilt Mortgage
Vanderbilt Mortgage and Finance (NMLS #1561) is a national housing lender that operates under the umbrella of Berkshire Hathaway. It specializes in financing both new and used manufactured, mobile and modular homes. Vanderbilt also finances improvements for these types of homes, including energy-efficient upgrades.
Pros & Cons
- Direct lending for used home purchases
- Accommodates borrowers with lower credit scores
- Numerous payment options
- Home improvement loans with zero down
- No home equity loans or HELOCs
- No in-person branches
Vanderbilt Mortgage is a national lender helping people finance the purchase of new and used manufactured, mobile and modular homes. It works with all types of borrowers, including those without great credit. A loan specialist helps walk you through the application.
Vanderbilt Mortgage Reviews
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Communication was easy during the process and then it was mediocre after. It would have also been nice for Vanderbilt to give me a title application, showing that they can offer the title to be transferred over to my name. That way, I can get it registered. I didn't know I needed it. They told me everything I needed was in the closing paperwork that they emailed and sent me in the mail. But none of that was. They told me they can't get it for me, but I can try to go up to the Tag office and try to get it. But my only other option is to wait until the title comes in then they'll email me a copy of the title in my name. If anybody does business with Vanderbilt though, I highly recommend Bethany. She was wonderful. Anytime I had a question, if she didn't know the answer, she would always find it and then get back to me in a timely manner.
They took care of us, and they were very nice, helpful, and walked us through everything. They were very great. Any questions we had, they were more than welcome to answer. I called them back a couple of times with questions that I had just out of the blue, and they never said, "I'll get back to you." They answered my questions right away. I would recommend them 100%. We were first-time homeowners, and it was really nice to be able to walk through.
I was new to the process and didn't know what all was going on. I had a lot of questions and Vanderbilt got an answer for them. The rep was very helpful. I asked more questions and I got the answer I needed. Some of my questions might have been dumb, but Vanderbilt reassured me that all questions matter. They helped me understand what was being said and how things worked, and led me in the direction that I needed to be with them. And everything went as smooth as it possibly could have. It might have taken a couple of weeks. But once Vanderbilt got the information, they processed it as fast and as conveniently they could.
We had to do all of the work for them. They would tell me they'd call me back on a certain day but I never heard anything. Also, I never received anything that had numbers on it. I know what my payment is and how many payments but I never got a total of what I was financing. Other than those, Vanderbilt was amazing and I would highly recommend them.
The process was quick and super easy. It went smoothly and we didn't have any troubles. Everybody was real helpful. My wife called them before and they got right back with us.
Communicating with them was very easy. The three people I dealt with throughout the process had no problem answering questions. They were very kind and courteous every time we spoke. But, selecting their sales places where they allow financing to go through would have made our process a lot more efficient and swift. Other than that, the build I got is very good. It's not your average manufactured home. They came a long way.
Vanderbilt kept in touch me. At least three different ladies called to reach out to me for anything I needed. I think you have to have a pleasant voice to work there because everyone that called me was super pleasant and super sweet, and I never felt any pressure. Everything worked out. They took my application and next thing I knew, they were calling me up to close. They also put off the loan due date a few months because the home wasn't built and hasn't showed up yet. It was a super easy process. I was expecting for it to start being difficult at some point, but it never did. It was the easiest banking experience process that I've ever had. That's buying a $100,000 home so that says a lot. I would do business with Vanderbilt again.
The experience was good, overall. They're friendly and supportive. There are things I think outside of Vanderbilt's control that I would like to have had a better experience with as far as more loan options or APR options. But I know that they're not really able to do as much.
The process with Vanderbilt was very long but I don't think it was anything on their behalf. They needed more information because it was an estate and there were multiple heirs. It was overall a good experience.
It was good with Vanderbilt. It was easy to do business with them.
The communication with Vanderbilt was extremely poor. I don't know if Vanderbilt was short staffed but we never knew what was going on. The sad part is that the people we bought the house from had their mortgage through Vanderbilt and it was like they didn't even know they existed. After all was said and done, they called the previous owners and asked why hadn't they made their mortgage payment. They were missing some kind of a form that was supposed to have got sent out and it got sent late.
Everything in the end worked out but instead of driving down a nice, smooth, paved road, you were off road and in some ditches to get through this process. It was a lot of not knowing what was going on. If we hadn’t already started or been about two-thirds of the way through the process, I would have gone out of my way to find another lender. We bought a few houses in our time and this was, by far, the most difficult process we've ever gone through. Also, we had to send them $10,000 for a down payment and they told us we were supposed to send that to the title company. That was quite nerve-racking.
Vanderbilt was good about contacting me rather than me having to contact them, which I enjoyed. They were constantly checking up to see where I was at in the process. A few weeks ago, a woman called me and was asking me questions about things I need to get done. Her name was Dani. I had a lot of questions 'cause this was my first time dealing with any of this and she was very helpful. She repeated herself multiple times for me because I was taking notes and trying to understand. She was very patient with me which I appreciated extremely.
It took so long to get Vanderbilt to communicate with the other parties involved and it seemed like if I wasn't the one checking to make sure everybody was doing what they were supposed to be doing, it wasn't getting done. It was really a horrible process and it took forever. I had to lose my temper more than a couple times and no one really seemed to care. I started the process in September and they just moved in a week ago. Everyone was pointing a finger and we could have knocked off a month or two easily if people would have acted like they gave a damn. I'm self-employed, so I understand that it took an extra month to get everything going. But I never would have gone to them had I known it would have been such a freaking odyssey trying to get it all done. I'm totally disappointed with it and I wouldn't use any of them.
The reps were nice. They gave us everything that we needed and told us beforehand of what was going on.
The people we have talked with concerning our mortgage have been very positive. It was a very pleasant experience.
It went real good with Vanderbilt. The other companies wouldn't give us a chance to get in the house but they did.
There was a lack of communication with Vanderbilt. The lady selling the house would ask a specific question and Vanderbilt would answer around it. She would never get a straight answer from anybody. Up until the day of closing, we had no idea what was going on. In fact, the lady selling the house jumped all over someone and got things moving because we had no idea how to do the down payment and where the closing was until the day before. It took two weeks longer than what they said it was. That aside, everything else was fine. The paperwork was easy and that was all simple to do.
I had to do a few things to get exactly what I wanted in reference to getting the home that I wanted. I talked to Vanderbilt's rep, Katrina, told her that I saw this floorplan, and that I wanted my home to be like that. She was able to accommodate me and she ordered my home. But my process was crazy because I signed my papers about a month or two after I ordered my home. My home was supposed to be delivered in October but it wasn't delivered until December. After ordering the home, I was not getting any leeway and every month I was being told my home was going to come that month but it didn't. It went to the point where I had to go down there and was able to find out that initially, they never had a delivery date for my home.
Then, when my home came, I had a lot of issues and everything was wrong with my home. It's on my lot and I have yet to move in it. From what I'm seeing, the countertops were mismatched. When Katrina ordered the home and the manufacturers contacted her, they said they no longer carried the island that that I wanted but they never told me what kind of island I would get. Then they emailed and said they didn't have the flooring and when I asked if there was any other option that I could choose from, they sent me pictures of what flooring I could choose. They also asked me if I wanted to do a new countertop because they didn't have the same countertop as the one in the plan. I chose what I wanted but when the home came, the painting was another color, which I wasn't aware of. The painting wasn’t coated on the wall the right way either. There were spots that were white that they missed.
Aside from that, the bottom of my refrigerator has a broken piece to the bottom of it. They told me that wouldn't affect the refrigerator working but I have a broken piece on the foot of the refrigerator. Also, my sockets were crooked and weren't aligned right. It was like they just screwed the sockets in. Then, in some of the closet rooms, the ceiling was brown and they didn't clean that out well. When my trailer got on my property on December 28 and the whole time it was there, my front door cannot lock. You can go to my front door, push it, and it would be wide open. They didn't notice that and said that maybe it was the manufacturing of the door that was wrong. My mom even called the guy who helped with the delivery of the home on my behalf because I work so I couldn’t always talk to them. We even sent multiple pictures of what needs to be done.
Aside from that, the guy who was there doing my sheetrock told me that my top lock doesn't lock on my back door. But when you go to the front door, all you have to do is push the door and it would be wide open. They just found somebody to come and fix it. So, they fixed it. But the knob on the door has a stain. You can see the black residue where there had been some scratching off the paint from them trying to close the door to make sure the door latched. I told them I wanted a new door and they said they would clean it.
For my overall experience, I felt like I got a used mobile home and they just came in to fix it up. I'm supposed to be ecstatic and the house is coming along. But I feel like all the time I'm waiting for my house to be ready and they got me a used home that needs work. That was a bad experience for me to know that I walked into what's supposed to be a brand-new home and the home is not brand new. All this work shouldn't be done for a brand-new home.
Everything went smoothly with Vanderbilt and communicating with them was extremely easy. They always responded back and they kept me in the loop at all times. The rep I worked with helped with everything I needed and I didn't have any trouble.
There are not very many places that will loan a double-wide or mobile home. Vanderbilt answered all my questions and if they didn't have the answer, they tried to find that out for me. We're not done with the process as of yet but it's all right.
In the beginning, I wasn't told all the things that I had to go through in order to purchase the home. I thought it was going to be a quicker process. I didn't know it would talk so long. I didn’t know so many people were involved. I told them I wanted to be in by Thanksgiving, but I ended up being in by Christmas.
Doing business with Vanderbilt was easy. One rep, Bethany, was very helpful and my loan specialist was good too. The only thing that was pretty hard was the bill of sale.
Vanderbilt's loan process was pretty easy. Their rep was helpful. He always got right back to me.
Vanderbilt helped us as much as they could more than anybody else did. We appreciate everything they've done and they're doing for us. The rep we worked with was a very nice person. She helped us through everything.
Everybody that we dealt with was very nice and helpful, except for our loan officer, Charlie. He was terrible and every single time, it was us having to reach out to him. Also, I wish he called us and let us know if he isn't going to be able to close on the same day. There were several things that he told us that different people from Vanderbilt were like, "No. Who told you that?" That was kind of discouraging. We had to scrounge up and get funds for this and that when really, we didn't even need it. It was very frustrating and my wife was really worried about it. And it was like he got frustrated whenever she would call him and he quit answering the phone for her. We ended up asking for a different loan officer. The new guy was with us the last two weeks and he was a great guy. He was easy to get along with.
The whole process from the loan application to the close was so simple. I would highly refer them to all of my friends and family. They close between 3-5 weeks and other Companies said it would take at least 4 months.
My experience is just this... I've been with them going on 8yrs come February 24th. I've had a total loss of all my belongings and my baby pup in a fire on November 28th,2021. It was ruled as a total loss and the homeowners insurance sent a check to cover the balance owed and my husband and I have lived with black mold ever since 2014 and I now have developed cirrhosis of the liver and spleen issues with massive swelling and vomiting as well as breathing issues and swelling of my throat among many other immunodeficiency issues since living there all these yrs dealing with the mold. Now we decided to try after the fire for a new home with putting our land up as collateral and were denied due to a car payment and the fact that he hadn't been at his new job but a few short months.
Now mind you we both draw disability as we have since getting the first home and neither of us worked then and our payments from disability were way lower than now and we had a car payment and he had a loan when we got our first home but now with way more income and only a car payment we no longer qualify to have another loan to replace our loss. Just a lil while back we qualified for a 115,000 dollar loan and now we qualify for nothing with better income and land to use for collateral... Can someone explain how they can get away with kicking someone who is already down as low as we are right now. Never been late on payments and all our bills has always been paid and on time with just our disability checks oh but now suddenly we can't keep up and make all our payments from disability alone as we've always done before? What's wrong with that picture?
I strongly advise anyone looking for a loan from them DO NOT TRY!!!! They are NOT the company you want and all those so called good reviews are a total crock of lies unless of course you are one of the rich people they love to see coming. I for one will never go to them again and the homeowners insurance company they use sucks as well only giving a measly amount of what I had worth-wise in my home and lost... just my sectional couch and washer and dryer unit cost more than I got for all I lost.
It took a little longer to verify employment, but that was on my other employer's thing because it took them a while to get back to Kelsey, the rep. Apart from that, the process was good and my fiancee and I now have a house. I would highly recommend Vanderbilt.
The process was a little slow, but it was good. It took longer than I thought it should have. The guy that started it out quit and they had to put us with somebody else. But other than that, everything's been good and the customer service has been wonderful. They call and check in often with us to make sure that there's nothing we need. They've been very patient with us and understanding with the weather conditions.
Everything's good as far as getting ahold of them doing whatever they need to do. They contacted us before we needed anything. We knew we were expecting a call, but they always called a little sooner than they were supposed to, which is good.
They were wonderful and they have good people. They're attentive to you and they know what they're doing.
Everyone there was super nice and kind. They explained things to us, the first-time homebuyers, and they gave me a phone number where I can pretty much always reach somebody if I need to. Also, they're super affordable and they worked with us. They offer great downpayment and monthly mortgage options.
Vanderbilt's process took a little a bit long due to some issues with the title transferring. Regardless of that, it was fine. Everything else went fast. My rep answered all the questions and she returned calls fast. Vanderbilt explained everything clearly. They are a great company and they got me a home. Everything is working fine, so far.
Everything is good with my dealing with Vanderbilt, getting this thing closed, and getting it all done. They were nice people and dealing with them has been nothing but decent.
Vanderbilt was flexible with its credit guidelines for the loans that it offered. Anytime I called, somebody was always helpful. The person that I talked to the most was Jennifer. She was my go-to contact throughout the whole process. If I couldn't get ahold of her, she always called me back in a timely manner. She was transparent the entire process. In working with them, we were able to purchase our own home again. Overall, it was a good experience.
The process was a little long but other than that, it was fine. Everyone was very nice. They were fantastic people and they handled it just fine.
Vanderbilt made the process super easy and smooth. It took just a few days to get approved. Customer service was always really friendly and nice. They also always answered any questions that I had. Vanderbilt was much more pleasant to work with than the home company.
Communicating with Vanderbilt has been easy and my rep was really nice. They answered everything I had and got back to me when they said they would. The process was as smooth as it could be. Go ahead and get with Vanderbilt.
Conducting business with Vanderbilt turned out to be a lot easier than I ever dreamed it would be. Customer service answered every question we had. Everything's great. I would tell friends to definitely use them. No ifs, no ands, and no buts.
Working with Andrew was a great experience, he was knowledgeable and explained everything. He addressed issues that we was having with the dealership. Would differently recommend using Vanderbilt for financing. Have already suggested it to a niece who is purchasing a home.
The people at Vanderbilt were warm, very friendly, and open. My loan rep was awesome and he called me to help calm me down. I thought the process was gonna be two to three hours long. I got in there and everything was on PowerPoint. It was so cool and very easy. Everything went so smoothly. It was calm and I wasn't nervous.
They were very quick and easy to deal with. They kept us informed and would answer any questions to the best of their knowledge. I would recommend them to family or friends. Thank you for being so prompt and patient with us.
I love my choice of home that I have chosen, working with Mrs. ** was easy, making the next step, until completed, thankful to her I did had a wonderful experience. 14×76 purchased in Summer. The home is now located at **.
We tried the FHA first and it was taking so long. They were dragging their feet. We switched to Vanderbilt because there was a little more money and everybody was so much faster, and that's definitely what we wanted. We were going after the time frame. We wanted to get it done quickly and they were always able to answer our questions too.
Doing business with them was easy. I called and spoke with one of the customer service ladies and they transferred me to somebody else. Then they got me the same person that remembered me and then I talked to my loan officer a few times. I left messages, they called me back and they were just all over it. They were really good about it. I wish my house payment was a little bit cheaper, but that just goes by the credit. Hopefully, we can refinance down the road. But they've been good and I feel good about it.
Vanderbilt Mortgage was the best option. It was a smooth and quick process.
Good company about getting you your loan but beware. Will start upping your charges every year. You will see your payment slowly go up until you are no longer to able to make payments. I am very close to that point. My finances have not went up or down. Just what they charge me every year.
Fast and Easy! Would recommend to anyone in need of a home loan. Fast and friendly service every step of the way. Was a first time home buyer and excited to be a homeowner. Great five star service. Thank you.
Everything went smooth. The reps knew what they were doing.
From the time I put the application in until we closed, it was absolutely seamless. We majority communicated via email unless I had to make a phone call with them because I worked during the daytime. But the rep made it very convenient for me to be able to communicate with them.
Conducting business with Vanderbilt was easy.
Since the beginning, the rep and I only texted each other. But she texted the whole time before I was in the house saying how long it would take and when Vanderbilt predicted me to be in the house. She was accurate on when I would be inside it. It took eight months to get into the house. She texted me and said we should be in it within a couple of days. Two days went by and we got the okay to move in. So, Vanderbilt did good.
Everything went super smoothly. I love more than anything the online portal so that I can check everything online and make sure stuff are paid, and look at my loan. Also, going through Vanderbilt is super easy and anytime you reach out to them, you get help. They also help you make sure that things go smoothly and let you know your options, which is nice. The only issue that we have is some of the trim is loose. So, we have to staple it back or however they did it. Other than that, everything is good.
Due to COVID, our homebuying was a long process so everybody was delayed a lot. But for Vanderbilt Mortgage approving me for the loan, they worked fast. The rep was nice about everything. She got me to the right people that I needed to talk to and I got the papers faxed off to them now. They said that they would take care of it. Anytime I have a question about anything, I just call Vanderbilt and they let me know that everything is okay. They gave me an option to pay electronically or I can call in and pay the 1st or the 15th. I pick a day and it gave me options to do what I want to do in that case. So, it was cool. I'm just following the work with Vanderbilt. If they continue to be as open with me and patient and everything that they told me in the beginning would work like that the whole time, it's gonna work out fine.
Everything was great with Vanderbilt. The young lady called to tell us when our first payment was due, how to log in online, and we could pay it online. She was very informative and answered all the questions that we had.
Working with Vanderbilt was very easy. They did a really great job.
My rep Todd was awesome. He kept up with me every step of the way and never left me out of the loop. Almost every other day, he was calling me, emailing me, messaging me, however he could get a hold of me. With everything that I've dealt with, this has been the easiest thing. They made it super easy and worked with me. They went above and beyond to help me get this home. And they'll never know how much it means to me for what they've done for me. I've told people whom I've been talking to who are talking about getting homes that Vanderbilt is the place to go.
So far, everything has been good. The only thing was the interest rate which was pretty high.
We had such a horrible time with the sales department that it was just refreshing that the mortgage company held to their end. They did what they were supposed to do in a timely manner. They could be better with communication. But I was the person who called all the time, asking questions.
Our experience with Vanderbilt has been good. Everything’s set up the right way. We got a couple of things we're looking at that's gonna need to be fixed, but nothing major. It was very easy to communicate with them. Natalia was great. She texted, called and she took care of us well.
Everything went smoothly with Vanderbilt. We were pleased with everything. We had a couple of questions about the insurance. We wanted to use our own insurance and it was addressed almost immediately, within 24 hours. We had all of our questions answered and things were taken care of. I've sent my other son their way. He's also trying to get a loan through Vanderbilt. That's how pleased we were.
I had questions and Vanderbilt gave me the answers. It wasn't that hard working with the rep.
They gave me a chance when nobody else would. The application process was easy. The people were nice and were really down-to-earth. I learned a lot of things that I didn't know as far as filing my property that I own. Then the mobile home I'm buying, I can file that. There’s a tax write-off period.
Vanderbilt was really nice and they helped me out. This is my first time buying a home. Vanderbilt gave me a better understanding of what was going on and what I needed to do. The interest rate I got was wonderful and I was pleased. I worked between Vanderbilt and another company and the process took a couple of months, which wasn't much time. I'd tell friends to go to Vanderbilt.
I had three companies to choose from for my mortgage. With a mobile home purchase, you can only get a 20 with the two companies. Vanderbilt gave me 22 and that was the only reason I went with them. You want your mortgage to be as long as you can get it. I made my decision on a two-month extra mortgage plan and I'm probably paying more now in the end. I should have gone with the other ones because my mortgage would have been lower.
It was a ** show from the beginning. It took the rep four months to get things done. I told him, "I paid rent for this month. Make sure that just the paperwork doesn't close for the next two weeks." It was the new month and they had all these stuff that they needed to do that they hadn't done on their end. They could have used those two weeks to get those stuff completed.
When I make a phone call and leave a message, it doesn't mean they would call me back. It would take them two weeks to follow up on something they had to deal with. It was just always something. They ended up having to hit my credit. They said it was gonna be past the 60 days thing so they were going to have to do another credit check. That dropped my credit score because now I was at nine hits. They said I needed to get a couple of quotes and they had to hit me. With the third one, I was told that my down payment was no longer 6,000 but 9,000. They ** around on the whole process to where my credit had to get hit again.
Communication was horrible and customer service was not very friendly. Since I couldn't screw this up, I had to put up with them instead of it being the other way around. There was one woman who said, "This is your fault because you didn't do this." They were horrible getting back to me, horrible getting ahold of them, and they were horrible for my team.
Another thing was the people who owned the house before I didn't need flood insurance but Vanderbilt said I needed that insurance because I was in the flood zone. They never gave me a list of things they needed from me. I ended up taking three days off vacation time looking for insurance that would give me flood insurance. Everything was awful and I wouldn't use Vanderbilt. Working with them was the worst experience of my life and I would tell anyone asking me about them to stay away.
The gentleman I spoke with knew that I was very nervous about everything and he was very helpful. He told me step by step what the process was going to be to get my mortgage all set up and he did a fantastic job. I wanted to customize stuff but I got one that was on the lot because it was cheaper and everybody was so helpful. They knew my money situation and they were like, “This would be the best bang for your buck. Let's do it this way.” Vanderbilt is the company to go for. No matter what situation you're in, they're willing to work with you and help you.
Vanderbilt's rep was really good with communication and keeping us updated on what was needed and setting the right expectations during the whole process.
We've been able to communicate with Vanderbilt fine. We got our pre-approval and our sales rep took it from there. Then we said that this is our closing date. We went in and I was asking, “So, what do we do whenever the actual numbers come through?” She said, “No. These are actual numbers, even though everything says estimates on it.” It would have been better if it was a process where you get estimates in and do a pre-loan kind of deal like being given what you're approved for, what we're expecting, but then doing a final deal once actuals come through.
Vanderbilt's process was very easy. Everything was spot-on. I appreciate everything that they have done and are still doing. Every time I called in to ask a question, I never had to wait for a phone call back. If my person wasn't available, they always made sure I got to the right department to get my questions answered. They're easy to communicate with. They don't talk to you in finance terminology, but they talk to you like you're a real person. They break it down so you can understand it.
My experience working with Vanderbilt has been wonderful. They did everything that they said they were gonna do, and they were doing it in a timely manner. The rep, Sandra, answered all my questions and she explained how everything worked. When she told me something was gonna get done, it got done. It wasn't difficult at all to communicate with Vanderbilt. The only thing is when I went to close, I only had a certain amount of time because I was buying the land through the land homepages with them and we had set up a contract because the people we were buying the land from wanted a contract, and they didn’t meet the deadline to get everything signed for the contract for the land. The rep said that there was some kind of holdup with the deed. It was only supposed to take a week, but we ended up taking two and a half weeks.
They really worked with me to get the house that I wanted. Anytime I had a question, if they didn't know the answer to it, they got the answer for me. They were very quick to answer and handle any concerns I had. They also told me that I wouldn't have to pay payments on the house until until I had been living in it for 60 days. My rep has a great personality and she was very helpful in the whole process. She explained everything in detail.
The reps at Vanderbilt were very concise, clear in interactions and answered any questions we had. We couldn't have been happier with how the process went. Out of a very stressful process of buying a house and getting everything moved, they were one of the high points. We had a manufactured home made and our agent interacted with Vanderbilt far more than we did. It was more of towards the end when we needed to sign things and they needed to go over sensitive information. My wife talked to them far more than I did and I only had a total of two conversations with them but those interactions were very positive. They were very helpful and knowledgeable, and we didn’t have any problems.
The only downside is we got contacted because they said they needed to go over things towards the end and we thought it was gonna be an overview of everything. We were worried that something happened with the loan and it ended up just being a survey thing. We got a lot of problems already. It ended up being kind of a waste of time. But the lady was sweet and it didn't take long. It was a minor annoyance but it freaked us out for a little bit. Vanderbilt was very easy to deal with and I would look into doing business with them if that was an option.
The loan process was so easy. Vanderbilt had all the paperwork for us. When we met to sign the papers, it was just a quick process. When the rep came in, she was really nice and she introduced herself. She was very informative too and she walked us through each step of the paperwork. She told us what she was gonna be doing. She was super sweet. Also, Vanderbilt was quick to get the information that we needed to give them processed.
The application process with Vanderbilt was understandable and easy to do. The reps were super helpful. They’ve been great with any questions we've had even if it wasn't necessarily about financing but about the process itself. I can call and get somebody, and if I want to know something, I'll find out. First time home buying could be stressful but Vanderbilt helped make it a little bit easier on us. Also, we’ve been working on our credit. Being young and dumb and with college loans, it’s been terrible. We never worried about it until wanting to own a home. We weren't quite at the point where most people would approve us, we're just right under it but we knew we had the means. My husband has a good job and we do okay for ourselves, and we knew we could afford it. Vanderbilt took a chance on us and we appreciate it. We are about to pay our first mortgage payment next week.
The quality of the home is the only negative. Upon closer inspection, it looks like it was a little rushed and maybe people weren’t as careful about what was going on. But most of the stuff, as long as you're not looking close, you don't see it. It's no biggie and everything works like it should so we're all right. It’s our forever home and we love it. Working with Vanderbilt helped us out. We got it done and now, instead of throwing money in the trash by renting every month, we're investing in our future and our kids’ future by putting it in our mortgage and owning our own home.
The Vanderbilt reps worked very well with me and they were very pleasant. They stayed in constant contact and I always knew what was going on.
Working with Vanderbilt was pretty good. I would recommend them because everything has been straightforward and easy.
Getting approved for the loan with Vanderbilt was not very easy. I helped my father-in-law with most of the loan documents and the salesperson that we had was not too specific. He kept coming back on us and trying to get some paperwork, pieces, and pieces together. It was like a puzzle. We could have just gotten a package and a list of documents that we needed. That would be great instead of going back and forth trying to ask for pieces. But Vanderbilts's service was not bad. It was just miscommunication. My father-in-law has bad reception where he lives and he put my phone number there. I was like the middleman and I was trying to go back and forth and trying to get these pieces together. Every time I would get an email from the company then it made things really difficult.
The loan officer was polite, answered the questions I had, and explained the escrow. It was a seamless experience with Vanderbilt. I'm getting a home, so that says it all.
The representative answered every question I had pretty well. It was just terribly hard to chase down the same person that was helping us. But other than that, it was alright. Vanderbilt did a good job. They were good people to work with and they went out of their way to help us.
Everyone's been great at Vanderbilt. From the home show guy to everyone they have sent out to our house to do every aspect of it has been amazing, other than the guys that came from Vanderbilt in Tennessee that left a mess and didn't fix the cracks. Then there were a little bit of issues about the loan process. But Vanderbilt helped us through it and we got through it. We started in April and we closed in June and the house just got in here about two weeks ago.
Sometimes there are communication issues. But the process has been straightforward. Once I let Vanderbilt know what I needed, they were very helpful to go through the whole process. We had a problem with the lenders and we had a few hiccups in the loan. But overall, they kept me informed, and I was happy with the service. My only complaint is the percentage rate. It's 8% way above the market average and that really turned me off about the loan. If that will go down, Vanderbilt would have a lot more happy customers.
Vanderbilt is very easy to work with. Everybody has been nice and helpful. Julie, the loan officer, was always kind, friendly, and never seem to be in a hurry or aggravated with any question I might have had. The only thing is that the interest rate is a little higher. But we didn't have to tie up our land.
Give Vanderbilt a shot. We've had a very good experience with them. The customer support was great.
Vanderbilt was the only loan company going through the home provider we bought from. The mortgage process took 20 weeks. I put my property up as collateral and the loan officer that they were using could not get any of his information correct. He had my address wrong and then he put me in a floodplain which really threw everything off. This was all because he refused to believe me when I told him what the address was. Vanderbilt should get rid of that guy 'cause he wouldn't even call me directly. He would go through my home provider to relay a message to me.
The process with Vanderbilt was easy and things went fairly smoothly. I was able to track everything online. If I wasn't able to get one of the ladies I dealt with, I was able to talk to someone else who would know the answers. The home we got was nicer than what we thought we would be able to get. It was of good quality. For the overall experience, I liked Vanderbilt. We're hoping to upgrade in several years and I will probably use them again if they're available to use. They were really good and I would recommend them. We've had a few different loans and this was the one that was the most streamlined because it had a pretty fast turnaround. Once I figured out what I needed to send them, they kept me in the loop and said, "Everything looks good. You should have approval in the next week or two. We've got to do all the paperwork." From the time we started to the time we closed was two weeks.
I got incorrect information from Vanderbilt repeatedly, even up 'til last week. When I called back they told me that the previous rep told me incorrectly. Because things took much longer than they were supposed to, I ended up with their manager. We've moved into the house and we've been here two weeks but it isn't even the house that we bought. It's been a complete nightmare.
With the financing part, I had to constantly call them and say, “Okay, this is done, this is done. When are we doing this?” Nothing was done when they said it was going to be done. Vanderbilt should be up-to-date and know what's actually going on. They should be upfront and honest on how long the steps take. If it's going to be six months to process papers, then tell me it's going to take six months. Don't tell me it'll be 60 days.
The home has been on our land going on the third month and we hadn't moved in. There are different items and different stuff was going on with the home. So, I called Vanderbilt. I was so upset that I was in tears and the rep consoled me and told me to calm down. I told her the problem that was going on and she got the ball rolling. She told me that she would get it done. She was trying to find out what was going on and she called me back not too long ago, and I thanked her. So, Vanderbilt had helped me by talking to me and trying to see what was going on. So, I've been satisfied with them.
Me and my husband wanted to find out if there is any way that we can push back our payment and the rep, Sherry, told me that she will help and they would get back with me. I hadn't heard from them yet. She told me to give them a little while, they will discuss my case,- and that they will text me or they will call me back to let me know. But so far, Vanderbilt have been good. I hadn't had any problem with them.
Getting the loan was painless and easy. Getting out was a pain. We sent Vanderbilt a check for the payoff with the words "payoff" and our account number clearly written on the check. We calculated the amount by multiplying the number of remaining payments in the book by the payment amount. These people waited six months before sending us a late payment notice. Their claim was because they had been applying the payments monthly and the amount ran out, not so. Our payments were under $100 and the check was written for just over $6700. It would have taken years for the amount to run out if what they said was true. They did this to squeeze a little more wine from the grape.
An honest company would have notified us that they had not sent us a payment book containing ALL of the payments. They would have notified us that the figure we sent was not sufficient. They would not have waited six months and handed us a story that stunk to the heights of corporate greed. They may have gotten their late fee, but they will never get any more business from me. Unlike Vanderbilt, I am an honest man.
I had an awful experience with Vanderbilt's reps. They are a pain in the ** to work with and they make it hard for a person to get a home. Just everything, from words that can't be abbreviated, to ink that has to be strictly blue or the fact that I had to call a thousand times to get ahold of anybody on any given day of the week. They could show a little bit of compassion for somebody that's buying their first home but they acted like I had done it a thousand times.
Also, they didn't finish anything inside the home. I had to do their work for them as far as the trim. There are staples sticking out of the wall and patches that they didn't fix. They also didn't caulk in their holes and the plumbers didn't use glue on the pipes. They also didn't hook my shower up. It's just a nightmare. My brother who is a licensed plumber took care of that for me and Vanderbilt compensated him for that which is great. But it's ridiculous I have to go through that. If I was an older single lady or guy who doesn't know the things that I or my family know, think of what kind of mess I would be in. That's what pisses me off. Because they're screwing people and I'm sure there's not a lot of people that are catching on to it.
Vanderbilt's application process to underwriting seemed like forever. I had to get information, had to show my tax return and after I showed my tax return, I still had to prove some proofs of income. I thought when they saw the tax return, that was automatic, but it didn't. I still had to show some proof, but I guess people have fraud so they can’t trust anybody. Other than that, the two people that helped me were fine.
Doing business with Vanderbilt has been really easy. It took a while to get the process going but that was mostly my county and the issues with working through that. They were really quick to contact me if there's anything they needed from me and then contacting the county which was very difficult to get a hold of.
Doing business with them was easy. The reps were very knowledgeable and quick with processing all the paperwork. They were very good about either emailing or getting the phone to talk about things.
The customer service is clear and they always help me. I got a pretty high-quality build.
Jesse was one of the best people I have ever spoke with. I was texting him and I was able to call him. He could answer all my questions right then.
Once we got ahold of Vanderbilt, our sales went smoother. Everybody we talked to was great and very helpful. Vanderbilt was great. The biggest issue we had was that they were so busy, and nobody was ever in their offices to take calls. We called for a couple of days to get ahold of somebody.
They answered all our questions and kept us informed. There were some issues we had from the seller's end and that dragged things out a little bit. But once we got everything done, the process was at a decent pace. Everything went good.
They helped me with everything I needed. They showed me each step and every time I had a question, they’d personally text me while I was working. It made everything very convenient for me. They were awesome. They made the process a whole lot easier for me, me being a first-time buyer and I don’t know anything about a loan.
The rep was a hot mess. She wasn't good at communicating. And so we would hear from higher-up people, and then she would give us a different answer than what they told us. Other than that, conducting business with them was easy.
The loan process took two months altogether and it was fairly easy to talk to Vanderbilt. But there was a big miscommunication with the guy I was working with. I thought I was getting a will included in my loan. When we did all the closing paperwork, I didn't read the fine print on everything and it said in there that I was not getting a will. That was my fault. Since I've found out about the whole will situation, I tried to reach out to my guy a couple of times but I always got his voicemail. I left my contact a couple of times. Overall, it was fairly easy conducting business with Vanderbilt. I have a knowledge of what to expect and what I was looking at going in. Vanderbilt is a good company. But going into it, you need to be aware of everything because there are things you can overlook that can impact stuff down the line.
Vanderbilt is a great company and so are its employees. Communication has been pleasurable and everybody that I talked to and did everything with was there for me. The loan specialist was just as excited as us about us getting a home. She was really fabulous and she kept me up to date on everything, which I liked. She answered all my questions too. On the whole, it was a hassle-free and good experience.
I decided to work with Vanderbilt because I got immediate response and people were cordial. My rep contacted me and we mainly communicated via email, which was my preferred communication. I liked how polite and responsive he was. It was so easy at times that I was concerned that things weren't getting done. I didn't hear from him so I got nervous but in reality, things were progressing in the timeline that they were supposed to. Everybody was helpful when I would call in. The only thing was that I got voicemail a lot when I would have to call in. But they responded within 24 hours. If somebody was looking for a mobile home loan, I would tell them to go with Vanderbilt.
Vanderbilt is number one in my book. This ain’t my first rodeo with them and they are the way to go. They are good at customer service. They will help you when your credit ain't the best. They will look out for you and give you a home. They are a very reasonable and honest company.
Everything was dealt with in a timely manner. This is the first time we ever undertook a purchase of a mobile home and everybody knew what they were doing. Vanderbilt is the servicing company to use if anyone is trying to venture down the same path we are.
Vanderbilt needed to work a little bit on their internal communication. The left hand didn’t know what the right hand was doing. I would get a call three times a day from different departments. They should have known what they were doing with each other instead of bothering me all day. That aside, I've been overall satisfied with Vanderbilt. The reps were nice to me and they answered my questions.
The quality of the build is pretty good and we like the space since we needed more. It's right around 2000 square feet. I recommend Vanderbilt.
The communication was pretty good. It got confusing sometimes when the phone calls didn't match the mail I received as the mail was usually late. Other than that, they had an open line for me to call them and clear any confusion that I had. The reps were professional and they knew what they were doing. Vanderbilt is a good company to go to. They're very precise and direct to the point. Everything’s straightforward and laid out.
Vanderbilt did really well. They stayed on top of my loan application. I had a girl who did most of the work and they would call me and let me know where things were at.
Vanderbilt was very helpful with explaining stuff to me and keeping in contact with me. They kept me informed by email and by the telephone. When I would have to call my loan specialist and another young man that I had to talk to, they would always be there. And if they weren't, they would call me back. They're a very reliable and friendly company. They would take care of you.
Doing business with Vanderbilt was pretty easy. The reps did an okay job and everything went smoothly. Their interest rates are a little high but other than that, it was fine.
The communication with Vanderbilt was really bad and there was never centralized communication. On some days, the rep would email me, sometimes he would email my husband, and sometimes he would email our Realtor. It was never all at once and was about different things. There were periods where we couldn't get ahold of him for a while. This aspect could have been better. Vanderbilt accepted our offer at the end of March and we didn't close until the middle of July.
There was a lack of communication between Vanderbilt and the home manufacturer. Things were bad at the start and I had to do all the running myself. But after I lost my temper a couple of times, it became easy to conduct business. Things were good after I finally got to talk in person with someone in Vanderbilt. They worked with me and got things all worked out. Vanderbilt is easier to work with than anyone I dealt with.
Vanderbilt had the best deal on the down payment with no closing cost. The communication with them was very good. Every time anything changed, they always contacted us. We never had to contact them to get any information. Instead, we were called and updated on what was going on. I had a very pleasurable experience with the whole procedure. We didn't have a house before and now, we have one.
The rep was good. There was no problem with the loan process and I would recommend Vanderbilt.
Vanderbilt's been fine. The whole process, signing the mortgage, getting all of the paperwork done, getting the house moved out there, was simple and easy. It wasn't too long on their end, but due to rain and the state of the lot I chose to put it at has delayed the process. But everything on their end went smoothly.
Working with Vanderbilt was seamless. The rep was very knowledgeable, nice, courteous and professional. I filled out a few forms and talked to a couple of people and they took it from there.
The first time I tried to contact Vanderbilt, I didn't get any response. But it was the middle of that whole COVID thing, so I just kept trying until I finally got somebody. It took them a couple of weeks to give me a callback. Then I kept getting handed off to different departments and different people. If I could have worked with only one person, it might have gone a little bit faster. But overall, it was not bad at all. When we finally got started to when we finally got finished, it was three weeks.
Working with Vanderbilt was really easy. I work nights and we got a lot of communication done through email. It worked really well for me. It took four weeks to get everything situated, and then I had to come up with the money. Everything else went pretty smooth and I got everything done.
I was approved for the mortgage right away. Though I haven't talked to anybody, they send messages once in a while.
My agent or loan officer was difficult to get ahold of. I would send him emails and he would turn around and ask me for stuff that I already sent him. I would tell him that I already sent the information but he couldn't find it in his email. The communication could be improved a little bit. I got the impression that Vanderbilt was overloaded with work and maybe that's what contributed to some of the issues. That aside, the process was an overall easy transaction. I’d tell friends to utilize Vanderbilt.
The application process wasn't very hard. The communication was good.
It was easy with Vanderbilt. The total process took about two months.
My son's got good credit so everything went real smooth. The guy who met us there when we signed the papers was super nice. I'd recommend people to go to Vanderbilt. They were real good to us.
Vanderbilt was good about letting me know as things progressed where the loan wasn't ready yet. However, there was miscommunication during the signing process where we had told Vanderbilt repeatedly that we would get our own mortgage insurance. They went ahead and my mother thought she was signing for a warranty insurance. Instead, she was signing for a warranty insurance and the underwriter mortgage insurance. That wasn't explained and when you get to that point, you don't have time to read all that. If my mother had time, they would have been in that meeting a few more hours. We weren't aware of that until we got the policy in the mail. We didn't like that after the fact, something happened like that.
Staying in communication with them was very easy. They would contact me if any changes were being made and what was coming up next. They let me know from time to time what I would be facing and explaining throughout the contract about this and that. The rep took things slow and she was all the time wanting to know if I understood what I was gonna sign. I'm impressed with Vanderbilt.
Vanderbilt did a credit check and everything came back okay. Their people talked to me and checked all my stuff out. They seemed concerned. The timeframe to get the loan went no more than a week. I was pre-approved so I liked it. Interest rates are always gonna be high and you just have to deal with it. But if I had gotten the loan through the bank, it would have been crazy with what they wanted for the interest rate. Vandebilt helped me buy a home and it's a whole lot better than with the banking that I deal with now.
Vanderbilt is a large company and they have multiple hands on things. There is a person that handled this and another who handled that. Sometimes one didn't know what the other one was or wasn't doing. It made it a little confusing as to who you were supposed to be talking to about something. It was also COVID and that elongated process like not being able to get the paperwork processed because things were shut down or the appraiser couldn't get out there in time. The loan is finished but we won't start payments until October. Overall, my experience was fine.
Vanderbilt was good about letting me know exactly what I needed when I was first filling out the loan documents. I had email correspondence and a couple of phone calls. They were always really good about answering my phone calls or getting back easily if I had questions. I mostly communicated with them via phone, which was perfect for me. The rate and terms I got were very competitive compared to what I could have gotten at a local bank. This was why we initially went with Vanderbilt. We couldn't get a manufactured home loan for anywhere near 6.25%.
From the application to the closing process, that took a little longer than I thought it would. But I understood that. I work in a bank and I know with COVID, we were completely inundated with applicants and it’s going all at the same time. Once we signed our loan documents, we expected our house in about 12 weeks but it was 6 months almost. It was also wrong for the foundation. It wouldn’t fit on the foundation that we built. Another one had to be done to fit the foundation so it was a year-long process.
I'm happy with Vanderbilt. They answer in a timely manner. My bill is due on the 1st of the month. I pay my bill when I get my Social Security check which is on the second Wednesday of the month and not the first of the month. If I get paid early, I pay earlier my bill as well. Vanderbilt never harassed me over that. I have an easy time making my payment over the phone through the automated line. I recommended Vanderbilt to my son and his fiancée. They are paying their new home through them now.
The process took a little bit more time than what I wanted it to. It seems like after I submitted my paperwork, it still took a while for Vanderbilt to go through it and get it processed. I submitted a year's worth of bank statements then they wanted something else. I submitted that then it was something else. Even if I submitted more paperwork than they asked for, still, it didn’t speed the process up. But once the ball got rolling, it was pretty smooth.
The loan process was pretty easy and the communication was very clear. I would recommend Vanderbilt at this time. My first payment isn't due until August 1st, so I haven't had to deal with anything other than the initial paperwork.
Any little thing that needed to go on, they always emailed us or called, and they were pretty good on that. It was very excellent. If they were busy when we called, they immediately contacted us back once they got opened. There wasn’t any delay. The process took about a few weeks to a month altogether. They did pretty good to me.
Everything went great. It was very easy to conduct business with them.
The times that I needed to communicate with Vanderbilt, it wasn’t difficult at all. They were there for me. When I made my calls, they put me through to the right person that I needed to speak to and I didn't have any problems at all. The rep had an answer for everything that I asked and if she didn't, she made sure she got back with me on it.
Vanderbilt was helpful to me and the reps explained everything to me. It would be a good place to get a loan.
The loan process with Vanderbilt was quick and it went smoothly. We had 10,000 to put down but they told us we had to do 7,000, which was 10% of what the trailer was. So that was good. The reps contacted me to let me know what was going on and what they were doing. They answered all our questions and provided everything we needed. I love all three bedrooms as well as the master bathroom. It has plenty of rooms and it’s gorgeous. I like how the shower and the tub are separate, the big walk-in closet and the two other bedrooms are big enough so kids can have a regular sized bed with toys and stuff, and the hallway is what caught my eye. It's different. It was one of my favorite trailers.
The reps and I were doing emails and calling each other. The rep taught me a lot with the email and she was very patient with me because I don’t do that like the DocuSign. People should go through Vanderbilt.
The loan process was very easy and went by very fast. Everybody from the first person I started with to the fourth or fifth person I ended up with was very helpful. I already recommended Vanderbilt to two other people looking for mobile homes.
The loan specialist that I dealt with was very proactive and worked ahead to get things done so that when it was time to close, everything was good to go, and it was an easy process. The complaints I have are with the actual setting up, getting everything installed and put together, and what all we were responsible for. I felt like we were out-of-the-loop on that. But as far as the loan process and everything with Vanderbilt, it was good. I reached out to them wherever I needed something. I liked that they were upfront, simple, and did all the hard work so that once everything was done, we just had to sign it.
We were able to get the loan done sooner than expected. Vanderbilt did a good job with that.
The process with Vanderbilt was pretty smooth. I had their extension phone number. I call and get an answer right away. But I didn't really have to reach out that much because everything was so simple and already taken care of. We had a pretty good deal.
The rep sat there with me and helped me fill the application out. He also helped me with all the questions I didn't know how to answer. 2 days later, they called me and told me I was approved. They were really sweet people and easy to talk to.
Vanderbilt helped us every step of the way and everything was upfront. Every question we needed an answer to, they answered. If they didn't know the answer, they found it for us. Even though I know a lot of people that work in those departments have really bad days, they still were really friendly. Overall, it was a good experience.
When I signed up, there were different people that I talked to along the way, and they explained everything. The loan officer also let me know what was needed and we went over everything. My experience was good. They explain things well and take you step by step.
Vanderbilt is easy to work with. It wasn't hard to communicate with them too. There's a time lapse on everything, but that's to be expected with what it was.
Vanderbilt was a wonderful choice. The whole experience was pleasant.
I did not have a pleasant experience with Vanderbilt. The process was pretty hard and I didn't get approved. Their agent needs to follow through from beginning to end. Once the process has started and a customer has initiated the application, they need to be very open and make sure the customer understands everything and they walk the customer through it. Just don’t leave them blind and have them waiting. They’re already going through enough stress trying to even go into the process. Even though I was very dissatisfied, I’m still gonna go back to Vanderbilt for my mortgage for my trailer.
I had an excellent experience with everybody at Vanderbilt except for the closing team. They really worked on getting things done at a tight deadline to get the purchase done. They gave me a notice of what I'll need for each step ahead of time instead of when we got there so that I could be prepared. Brittney, their rep helped me through the application and she went above and beyond to help me out. I was having some issues with the tax office and she was calling them after business hours trying to get whatever she could. She was my saving grace with Vanderbilt.
But on the day of closing, I couldn't even get ahold of my closer at all. I had to reach back out to the girl that was helping me before the closing team to get answers for closing. Other than that, I would definitely recommend them to anybody who is in the same situation as I was. Another reason I picked Vanderbilt is 'cause they do manufactured homes and trailer homes, so I would recommend them as well to anybody that's trying to get into a mobile home.
Once I knew who to contact, the process was relatively easy. Vanderbilt was easy to work with and they have programs for people who don't have a larger down payment. The rep took our concerns and took time to answer them the best that she could. However, we didn't hear anything for like 100 days on the status of our loan. I know that there was a backlog but an open communication is always nice.
We started the paperwork back in January and it took a few months for everything to get set up for Vanderbilt to say yay or nay. The timeframes could be streamlined a bit. Other than that, everything went great. The reps were straightforward whenever they needed something and we got it to them in a timely manner.
Vanderbilt was easy to apply with and they also financed mobile homes. I spoke to the lady that handled my application process the most. She was very friendly. If she didn't know, she would find out for me. She never acted like I was bothering her when I called. She communicated well. When she went on vacation, she let me know how long she would be gone, when she would get back, and if I had any questions, who I could ask for that would answer the question for me. The process would have been a bit shorter, but we changed homes midway through. Altogether, it took us three months. They could have communicated with us a bit better. A lot of times, it would take them a bit to return our calls, especially if we had concerns. But all in all, it wasn't bad.
There are some things that I did not realize when we did the initial viewing of the home. And then I didn't realize it again during the walkthrough. There were some big issues that we have to deal with now. The floor is not well put together. They disclosed to us that there was a leak in the hallway next to our heating and air unit and that they had fixed it, which they did, and they put down new flooring. But what they didn't tell us was they did not replace the subflooring underneath. We have a lot of soft spots. The flooring itself is buckling, so we have to pull up all of it.
And then we found when we moved in that in the farthest bedroom, there had also been a leak with the bathtub, but they had covered it with a dresser. When we originally looked at the home and did the final walkthrough, there were cut-out holes in the walls where they had to access the plumbing. And the floor has sunken in to the point that all of that flooring also has to be replaced. And the roof leaks. We didn't know that either. All in all, I still would have bought the house. I just would have offered a lot less for it. Vanderbilt is a great company to get financing through. They're very helpful.
I went through the process and it was pretty easy and straightforward. Everybody had everything already filled out and ready for me to sign. Getting the home took a while because we needed to get the land ready and get the house paid.
I was happy with Vanderbilt Mortgage. Their rep was very thorough.
The guy I was working with told me what all I needed to have ready and I got all that together. Then, I talked to somebody on the phone a couple of times about the payment and whether I'd want to do the two a month or once a month. He explained the difference in those and I picked the every two weeks. Then we went and signed all the papers not long after that.
We had to give the trailer place money down and I wrote them a check out of my savings account. I just realized the other day that when they sent my papers saying the automatic draft was gonna start, it was for my savings account, so I had to go in and change all that. I wish they could ask somebody which one they want to take it out of instead of just assuming. Other than that, it's great. I’ve been waiting to get a new house for 20 years now and working with Vanderbilt made a big impact. It’s helped a lot. If they weren’t willing to loan on mobile homes like a lot of places, I would have been screwed.