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J.G. Wentworth

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LAST UPDATED: June 3rd, 2022

Attention: J.G. Wentworth Home Lending was acquired by Freedom Mortgage.

Visit Freedom Mortgage for expanded mortgage products and services.


Please note: Information in this company profile may not be current and/or accurate.

Established in 2000, J.G. Wentworth began to offer multiple financing options to its customers, home loans being one of the services. Whether you’re buying your first home, your next home, a vacation home or rental property, their loan officers will help you carefully assess your needs. Then they will help you to find the best loan program for you with their mortgage loan technology.

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The Good

  • Fees and Closing Costs 
  • Coverage 

Fees and Closing Costs

Even though you will pay closing costs with J.G. Wentworth, the costs will still be much lower compared to other home loans financial institutions. It is estimated that you might only pay $725 in closing cost to J.G. Wentworth. 


Currently, J.G. Wentworth covers 46 out of 50 states in the United States. 


The Bad

  • Time in Business 
  • Mobile App

Time in Business 

J.G Wentworth only has been in business since 2000, which is considerably less experience than other leading financial institutions. Time in business does not always reflect quality; however, businesses in this industry tend to be more credible the longer they've been in business.

Mobile App 

J.G. Wentworth doesn’t offer a mobile app. Not having a mobile app might make it difficult to make electronic payments and keep track of your financial information on your mobile device. 


The Bottom Line

J.G. Wentworth offers competitive interest rates, competitive closing costs, and covers 46 out of 50 states in the US. However, the company doesn’t offer a mobile app, and might not have as much experience as other financial institutions. 

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Star Rating

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3 Reviews

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Patrick L Sugrue Ooltewah, TN

We applied for a loan with J.G Wentworth as part of CostCo's mortgage assistance program. The loan officer was fantastic. She was very available to answer all our calls and expedited our loan as a result of her hustle and responsiveness. This was in 2016 and most companies were taking a minimum of 45 days. J.G. got our loan approved and closed in less than 30 days. While we were overwhelmed with paperwork to submit, guess that's the normal procedure these days. She was with us every step of the way and always with a cheerful disposition. Great Job J.G. Wentworth. Shortly after our loan closed, it was sold to another bank but that process was seamless and no problem.

2 years ago

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Kathleen East Bend, NC

If I could give a 0 I would. I have never in my almost 40 years on this planet delt with any place so deceitful. I was given a pre approval at the beginning of March. With that I found a home to which it was sent through the underwriters and at that point given a conditional approval. I jumped through hoop after hoop. I did everything they asked me to do. In this time I paid $500 earnest money $250 Due Diligence $500 for a home appraisal (to JGWentworth) and $425 for a home inspection. All of this done under the information that I would be approved with everything they asked. They also wanted me to have a reserve in my checking account of $3000 after we closed to which I had to ask a family member for which to do had to have them fill out a form and get a bank letter stating that they have the funds to cover it. I had to get my deceased ex husbands death certificate and our divorce record. I gave bank statement 4 different times. I had to hunt down a person that worked at a realty company I used to rent a house from. The company was no longer in business but that didn’t matter. I still had to locate an employee that would have worked there at the time just to fill out a paper that stated I made all of my payments on time. I did this. The impossible but still managed to do it. I've done the impossible for this company. Every hoop they threw at me I did what was asked. All this with the idea that I would have my home loan. A day before closing they come to me and say that my Debt to Income didn’t meet what it needed to be because they were using income from 2 years earlier that was before I got my promotion. I have been in my current position a year and a half. A day before closing after I have spent 2600 dollars getting everything together to get in this house they deny me the loan. Don't trust this company. I'm begging you go some place else. Remember They had my income information on file from the beginning but wait until 1 business day before closing after they had me pay off a loan I had for $900 appraisal ordered by them $500 Home inspection $425 due diligence $250 and Earnest Money $500. I paid all of this at JG Wentworths request under their conditional approval. I did everything within 24 hours that they asked me to do everytime they asked no matter how ridiculous the request was. Where are my rights? As a buyer. Why don’t I have rights ? How is this OK?

5 years ago


Review Source

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Krystal Cooke Houston, TX

I have used this company three times. After the last time I did more research and found out how wrong I was for using them. Having a customer representative bully me for not wanting to sell anymore of my annuity. This company calls constantly after using them. They under give for your annuity. I will never work with this company again after finding out just how badly they treat customers and complete disregard for anyone's best interest.

1 year ago Edited April 13, 2022