CIS Home Loans Logo

CIS Home Loans

star star_half star_border star_border star_border
13 User Reviews

3.6

Overall Score

LAST UPDATED: June 3rd, 2022

CIS Home Loans is a full-service mortgage bank with over 25 years of experience in the industry— CIS stands for Character, Integrity, and Service. The company works to help its customers achieve their goals of homeownership in 49 states and Puerto Rico.

CIS Home loans specializes in manufactured and modular home financing, but also offers financing services for traditional, site-built homes.

To see what others are saying about their experience, jump to CIS Home Loans Reviews below.

Top Ranked Companies

thumb_up

The Good

  • Wide Selection of Loan Products
  • Loan Options for Manufactured Homes
  • Online Account Management

Wide Selection of Loan Products

CIS Home Loans offers several home loan options for its customers to choose from, including:

  • Fixed-rate mortgages
  • Adjustable-rate mortgages
  • FHA loans
  • VA loans
  • USDA loans

Borrowers can go online and get pre-qualified for a loan as well as apply for its down payment assistance program. Down payment assistance is not always offered by mortgage lenders, CIS Home Loans can greatly benefit those that are first time or low-income homebuyers. Assistance is not guaranteed, speak with one of its representatives for more information on its qualifications.

Loan Options for Manufactured Homes

CIS Home Loans is one of the few mortgage lenders that offers financing options specifically for manufactured and modular homes. The three loan options are USDA, FHA, and conventional loans.

It is difficult to secure a traditional home loan for a manufactured home so hving three financing options to choose from for a manufactured home loan is a huge bonus to those looking for this type of home.

Online Account Management

Borrowers can access and manage their mortgage accounts online. Through the online account management system customers can:

  • Make payments
  • View loan balance
  • Request payoff statements
  • View escrow accounts
  • Access 1098 forms

This feature is a huge bonus, borrowers will not have to stay in the dark when it comes to their mortgage. Everything will be accessible online, helping build transparency and trust between borrowers and CIS Home Loans.

thumb_down

The Bad

  • No Mobile App 

No Mobile App 

Although the company does have an online account management system, there is no company-specific mobile app available at this time. Some competitors offer apps that allow customers to find loan officers, contact local real estate agents, and manage their mortgage on-the-go. 

gavel

The Bottom Line

CIS Home Loans is an approved Fannie Mae, Ginnie Mae, FHA, VA and USDA loan lender that provides a wide selection of loan products. However, it does not provide any interest rate estimates or ranges online, making it difficult to compare its affordability with other mortgage companies.

Those that are in the market for manufactured homes will find CIS Home Loans to be especially beneficial. Use its online mortgage calculator or talk to a representative to see if CIS Home Loans is right for you.

View Best Mortgage Lenders

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

1.6

star star_half star_border star_border star_border

13 Reviews

Review Breakdown

5 grade

8%

4 grade

8%

3 grade

0%

2 grade

0%

1 grade

85%

Sentiment Criteria

Value

star star star_border star_border star_border

Quality

star star_half star_border star_border star_border

Service

star star_half star_border star_border star_border

Trustworthiness

star star_half star_border star_border star_border
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
star star star star star

Alex Covert Brentwood, TN

CIS Home Loans is a company that focuses on taking care of their customers and their employees. They have a rich culture focused on self improvement and giving back to the community. I have worked for them as a contractor and I have had nothing but positive experiences with their employees. I would highly recommend CIS as a loan provider!

4 years ago