Find answers to any home buying related questions
How do I file a claim on damage to my home?
I have received a claim check. What do I do now?
Where do I mail my payment?
How do I obtain a payoff quote on my loan?
Is an Escrow Account required for my taxes?
What can I do if I am worried about foreclosure?
You may obtain a payoff quote immediately by logging in to your online account or by creating a secure online account on our website. You may also call our Customer Service Department at 1‑800‑970‑7250, fax your request to 1-865-380-3418, or submit a request by email or mail. If mailing, select your state from the box below to determine the address your payoff payment should be mailed to. A printable blank coupon is provided for your convenience:
Overnight Mail:
ATTN: 71096 Clayton Homes
Vanderbilt Mortgage and Finance, Inc.
6125 Lakeview Road
Suite 800
Charlotte, NC 28269
Overnight Mail:
ATTN: Retail Lockbox/CN-OH-L1RL
Vanderbilt Mortgage and Finance, Inc.
5065 Wooster Road
Cincinnati, OH 45226
Overnight Mail:
Vanderbilt Mortgage and Finance, Inc.
1010 W. Mockingbird Lane
Suite 100
Dallas, TX 75247
Regular Mail:
Vanderbilt Mortgage and Finance, Inc.
PO Box 71096
Charlotte, NC 28272-1096
Regular Mail:
Vanderbilt Mortgage and Finance, Inc.
PO Box 742533
Cincinnati, OH 45274-2533
Regular Mail:
Vanderbilt Mortgage and Finance, Inc.
PO Box 660180
Dallas, TX 75266-0180
To obtain a lien release*, mail a written request along with a check or money order to cover the $25 processing fee to the address below. please be sure to include the loan number and customer's name on both and make your check payable to Vanderbilt Mortgage and Finance, Inc.
Mail: Attn: Paid Out Department
Vanderbilt Mortgage and Finance, Inc.
500 Alcoa Trail
Maryville, TN 37804
*Notes:
If Third Party Request: If the lien release request is from a third party (Attorney, Bank, Title Company, etc.) you will also need to provide us with a copy of our customer's authorization or proof of how you obtained this home.
If Loan Paid Out More Than 7 Years Ago: For loans that have been paid off for seven years or more, you must also provide us with a copy of the Title or a print out from the DMV showing our lien and the home information.
If you have further questions please call our Customer Service Department at 1‑800‑970‑7250.
There are two ways for you to see if Vanderbilt has received your insurance renewal. First, look at your policy effective date and expiration date on your insurance renewal notification. If they are for a new term and Vanderbilt is listed as the Loss Payee, we should have received a copy of the renewal policy directly from your insurance company.
If you have access to login to our secure website, another way is to login to our secure website. Click on “Insurance” from the left hand menu and look at your policy “Expiration Date” to see if it has been updated. If not, see “How do I update my policy information?”.
If you have questions, please call HomeFirst Agency at 1‑800‑804‑9389 and speak with a customer service representative.
If you have received a claim check from your insurance company due to damages to the home, our process is to monitor repairs and we would like to see them completed within 6 months. We know this is a trying time for you and our goal is to have the repairs completed as quickly and thoroughly as possible.
The following information will be needed in order to issue funds:
Vanderbilt will issue a partial check payable to you and your contractor or to the store where you will be purchasing your materials once the above mentioned items are received. As you spend the funds from each disbursement send the receipts or paid invoices in order to release additional funds to continue repairs. Once all the repairs are completed, send colored pictures of the repairs.
The required information and color pictures may be emailed to VMFClaims@VMF.com or mailed to the address below. You may fax estimates and receipts to 865-380-3427.
ATTN: Mortgage Claims
Vanderbilt Mortgage and Finance, Inc.
PO Box 9800
Maryville, TN 37802
IMPORTANT NOTE: Always include your VMF loan number on all correspondence and color pictures.
Any name listed as a “payee” on a check must sign the back of the check exactly as the name appears on the front of the check. This is known as “endorsing” the claim check. Additional instructions for:
There are a few ways to update your insurance policy information. First, if you do not have access to login to our secure website, you can update your insurance information by mail or facsimile. See Who monitors Vanderbilt loans for homeowners insurance maintenance?
Please have the following information available:
Second, if you have access to login to our secure website, you can submit your updated insurance information and we will do the leg work for you! Login, select “Insurance” from the left hand menu. Click the “Update” button. Fill in the requested information. Click “Submit” and we’ll take care of the rest. Once we verify your policy information and update your account, you will see your new policy information next time you login to our secure website.
Provide Vanderbilt Mortgage and Finance, Inc. with:
Both of these documents are issued by the Federal Emergency Management Agency. You may contact them at 1‑800‑621‑3362.
Please forward these documents to:
HomeFirst Agency, Inc.
ATTN: Insurance Tracking
PO Box 9770
Maryville, TN 37802
—OR—
Fax: (865) 380-3785
Upon receipt of these documents, HomeFirst Agency will review your request. Please allow 2 weeks for the review process. HomeFirst Agency will notify you if the flood insurance requirement can be waived.
Please note Vanderbilt will not accept any of the following items as proof that the property is no longer in a mandatory flood zone: an appraisal, a survey, an elevation certificate, topography studies, building permits or letters from community officials.
Vanderbilt Mortgage and Finance, Inc.
ISAOA/ATIMA
PO Box 9770
Maryville, TN 37802
If you have not received your 1098 Tax Form by February 1st or need a replacement, please do one of the following:
If an escrow account has not been established for your loan, payment is due to the taxing authority indicated on the bill. However, if your loan is escrowed for taxes, through Vanderbilt Mortgage and Finance, Inc. (VMF), you may receive an informational copy of the tax bill. Because some taxing authorities do not forward tax bills to mortgage companies, write your loan number on the bill and send a copy to our tax department via fax at 1-865-380-3726, or by mail to the following address:
ATTN: TAX DEPARTMENT
PO Box 9800
MARYVILLE, TN 37802
You may mail a check to the address mentioned below. Please be sure that your loan number and “Tax Advance Repayment” are clearly noted on your check. If repayment is not received by check, a Monthly/Biweekly advance amount will be set up and collected along with your scheduled mortgage payment (and escrow payment, if applicable). An Advance is a separate amount collected for any expenditure paid on your behalf on items for which no Escrow Agreement has been established.
ATTN: TAX DEPARTMENT
PO Box 9800
MARYVILLE, TN 37802
Your initial tax escrow payment is determined at the time you apply for financing of your home and land if land is included with your mortgage. The sales price of the home and value of real estate included with your mortgage is multiplied by the most recent rate charged by your taxing authority and becomes your annual property tax estimate. Your initial escrow payment is 1/12th of your annual property tax estimate. Your annual tax escrow projections will be determined by taxes owed and paid the previous year.
Property taxes are assessed against the property, not the person. Taxes are not pro-rated between new and previous owners. However, during a typical home-loan closing, tax amounts are pro-rated between the buyer and seller. You may confirm this by reviewing your contract.
If you have questions and/or concerns regarding your property taxes, or if we may be of additional service, please do not hesitate to contact our office at the following telephone number and time(s):
1‑800‑970‑7250
8:30 a.m. to 8:00 p.m. (ET), Monday-Thursday
8:30 a.m. to 5:30 p.m. (ET), Friday
When mailing payments, please write your loan number on your check or money order.
United States: If you are mailing your payment from within the United States, see our payments tab on our contact page to determine the address your payment should be mailed to. Printable blank coupons are also provided for your convenience.
Military: If you are a deployed military member using one of the following military addresses, please mail your payments to the address below. Printable blank coupons are also provided for your convenience.
Military "States"
Armed Forces Africa
Armed Forces Canada
Armed Forces Europe
Armed Forces Middle East
Armed Forces Pacific
Vanderbilt Mortgage and Finance, Inc.
PO BOX 660180
Dallas, TX 75266-0180
90 days after an returned or failed payment, Vanderbilt will resume accepting funds on VMF.com and the automated phone pay system. Please contact us at 1‑800‑970‑7250 to discuss alternative payment options or view our Payment Options.
Reoccurring Automated Draft payments will start again once the loan is up to date.
Vanderbilt only submits a payment to a bank once to avoid multiple penalties. Questions regarding insufficient funds may be best answered by contacting your banking institution.
We charge a day‘s interest on the principal amount you still owe us, every day. The smaller the principal balance, the less interest we charge. The sooner you pay the principal balance, the less interest you will pay.
Here is how it works:
To calculate interest, we start with the interest rate on your loan. Next, we divide the interest rate by the number of days. Your loan agreement will tell us if we use 360 or 365 days. This gives us the daily interest rate. You can find your daily interest rate in the “Explanation of Amount Due” box on your monthly informational statement.
Next, we multiply the daily interest rate by the amount of principal you still owe on the loan. We do this for each day in the billing cycle. We add up all the resulting interest charges. This gives us the total interest charges for that billing cycle.
If we receive your payment after your due date, less of your payment will go towards paying off the principal balance. This means more of your payment will go towards interest. It will also take you longer to pay off your loan than the payment schedule says. The payment schedule assumes you pay on the due date every month. You may also owe a late fee under your contract.
If, when we receive your late payment, the total interest charges you owe are more than the amount of your payment, you will have to pay the difference. This difference is called an “interest deficit”. You must pay the interest deficit before you can begin reducing your principal balance again. Refer to the “Payment Breakdown” box on your monthly informational statement to see your current interest deficit.
To further assist you with money saving options, please see our Payment Calculators.
If you believe your payment was lost, below are the procedures for the most common payment methods. If your method of payment is not listed, check the front or back of your payment receipt for a phone number to call.
By Check:
Contact a Vanderbilt representative at 1‑800‑970‑7250 to discuss the situation and obtain a fax number to submit a copy of your cancelled check.
USPS® Money Order:
Go to the nearest Post Office, call 1-866-974-2733, read “Replacement of Lost or Stolen Money Orders” on the USPS® website.
Western Union®:
Contact Western Union® at 1‑800‑999‑9660 to find out if it has been cashed.
MoneyGram®:
Call MoneyGram® at 1‑800‑542‑3590 to find out if it has been cashed.
Amortization Schedule | $25.00 |
Assisted Phone Pay | $10.00 |
Complete Payment History | $25.00 |
Copy of Contract | $15.00 |
Copy of Title | $15.00 |
Duplicate Year-End Statement | $15.00 |
Mortgage Deed of Trust | $15.00 |
NSF (Returned Check) Fee | $30.00 |
One Year Payment History | $ 0.00 |
Other Document Copies | $15.00 |
Lien Release Recording Fee | $57.00 |
Verification of Mortgage | $20.00 |
Yes! If you elect to “Go Paperless” nothing will change regarding viewing the following documents online. However, you will no longer receive printed copies by mail.
* If applicable and available
The main requirement for customers to go paperless is to first create a secure online account then there are 3 steps to complete the process and “Go Paperless”.
If you opt out, you limit the extent to which Vanderbilt Mortgage can provide your personal financial information to affiliates Companies related by common ownership or control. They can be financial or nonfinancial companies. and non-affiliates Companies not related by common ownership or control. They can be financial or nonfinancial companies. .
If you do not opt out within a reasonable period of time (30 days after Vanderbilt Mortgage provides you with its notice), then Vanderbilt Mortgage is free to share your personal financial information for certain purposes with affiliates Companies related by common ownership or control. They can be financial or nonfinancial companies. and non-affiliates Companies not related by common ownership or control. They can be financial or nonfinancial companies. .
If you did not opt out the first time you received a privacy notice from Vanderbilt Mortgage, it's not too late. You can always change your mind and opt out of certain information sharing. Remember, however, that any personal financial information that was shared before you opted out cannot be retrieved.
There are two ways to opt out of certain information sharing.
If you are a signer on the loan and had your name changed due to marriage or divorce, you will need to complete a name change form then send in a copy of your marriage license or divorce decree and updated social security card (with your new name) and drivers license (with your new name) as proof of the change. Please write your loan number on each document then email, fax or mail them to:
Email: customercare@vmf.com
Fax: 1-865-380-3418
Attn: Customer Service
Mail: Attn: Customer Service
Vanderbilt Mortgage and Finance, Inc.
500 Alcoa Trail
Maryville, TN 37804
When you registered to create your secure online account to view your VMF loan information, you created a unique USER ID, PASSWORD, SECURITY QUESTIONS and ANSWERS.
If you no longer have the same email, have forgotten which email you used, or need further assistance logging into your secure online account, please call the Customer Service Department at 1‑800‑970‑7250.
If you are experiencing problems logging in, there could be three reasons:
If you continue having difficulty logging in, please contact our Customer Service Department.