The GOOD: Daniel Roberts. During the entire underwriting phase of the loan, Daniel was kind and genuinely interested in making this phase of the loan process as simple as possible. He consistently kept communication with me and worked diligently to ensure that I understood and felt comfortable with the process. On several occasions, he assisted me and advised me on better courses of action to take when I had difficulty obtaining documents to place in my file. I truly wish Veterans United had “1000 Daniel Roberts” within their organization because he understands “great customer service” and is the walking blueprint that their staff should follow. If so had to rate his performance, he is a twelve, on a scale of one to ten. He’s not that good, he’s great at his job.Now the BADEverything in the loan application process, though tedious, was great UNTIL the loan was approved for closing. Closing documents went from Veterans United owing me $8k+ to me owing them $10k+ which was an $18k+ swing that just didn’t make sense. Not only that, but I initially told the lending agent I wanted a low interest rate and didn’t want any closing costs. It was their job to work with me and find the best solution to achieve both but during the entire process I was told, “ you won’t have closing costs.” I received SEVERAL different closing statements to review before finally having the opportunity to talk to a team lead to resolve this issue. After talking to the team lead (Aaron Swanner) he assured me that with the new interest rate that I selected, I wouldn’t have any closing costs but then I received a closing document to review which stated I would owe $400. When I questioned this, he apologized and said Veterans United would make it right, correct their deficiencies, and that he would request a Lenders credit to make sure there were no closing costs. Well, that was either a lie or a great misrepresentation of what happened because all they did was take money that my real estate agent was giving me at closing ($750) and subtracted the $400 that they initially said I had to pay and gave me the rest at closing. They (Aaron) said that this is not what happened but when you deal with an organization that continues to fix their mistakes throughout a process, it’s hard to believe what is THEIR truth versus my perception of reality.

Karlie, Christina, and the entire team were exceptional to work with. They stayed on top of the loan and were responsive to all challenges faced very promptly. They found sound financial alternatives and we finally closed on our dream home!

The app needs ro be optimized for iPad. I have a hard time reading somethings and I use iPad for those things. But even with the iPad the app is still formatted for iPhone.When I ask what else is needed when wanting a complete comprehensive list. I want to know what exactly it is that needs to be completed. Not have some things completed, then asking the loan coordinator, they tell me thats it. Then something comes up. Be more transparent. it's what has made part of the process aggravating. The lack of transparency when completing things things that I thought were it.Some of the requirements that were asked were a bit much expecialky since I couldn't move forward in some cases. Like abour me being a remote worker. That holding things up had me looking at competitor lenders like USAA and Navy Federal. I was about to do juts that if it wasn't for Karlie taking up on that.

First time home buyer 68 years old and they made it so easy to understand and to do all the steps necessary. I am now a homeowner