Fast and easy process, the team was on the ball every step of the way

All the team was very helpful and understanding. They never let me down and always had an answer to all my questions.

Working with Karlie Clark at Veterans United was an experience I won’t forget.There were moments during the process where I wasn’t sure, where things felt overwhelming, and I questioned whether I was making the right decisions. Through all of that, Karlie never wavered. She stood with me every step of the way steady, patient, and supportive when I needed it most.She took the time to explain everything clearly, made sure I understood my options, and never made me feel rushed or pressured. Instead, she gave me the space to think while still being right there when I needed guidance. That balance is rare.What really sets Karlie apart is how much she genuinely cares. This wasn’t just about getting a loan approved, she wanted me to feel confident and secure in the process. And because of her, I did.If you’re looking for a loan officer who will stand by you, especially during the moments you’re unsure, Karlie Clark is the one you want on your team.

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!