I purchased my mobile home from Clayton homes first and had it refinanced through Vanderbilt afterword but not knowing that it was the same company well along with finding out afterward. The payments were too high along with a real high interest rate. I still have the cost in a loan taken out and refinanced to a lower interest rate and now still have another ten years on it. They tricked me into thinking it was only a Twenty-year loan that was actually a thirty-year loan. I had contacted them on the fact that this home is now rotting away the outside is made with crush board and falling apart! I also contacted them about the coronavirus asking for a ninety-day payment deferment, and they said that they didn't have a right to call me about that. User's recommendation: Don't deal with these people they're not honest!