When you enter the Veterans United building lobby and are greeted by the receptionist, you are immediately comfortable. Jennifer Candler was my personal loan specialist. From the moment I was introduced to Jennifer, she emitted warmth and kindness. Purchasing a home can be a very stressful ordeal and with the help of Jennifer and her staff, it wasn't. I live in Michigan and purchased a home in TN. Jennifer and her staff allowed me to remain in Michigan and handle all the paperwork either by computer or UPS. I am very excited ... I now own a beautiful home in TN thanks to the help from Veterans United. Thank You Veterans United and Jennifer Candler.
I have written extensive comments to the Veterans United leadership team through other means. My comments are in regard to concerns I have with Veterans United and their overall loan process. I have also made it clear my Loan Service team of Tom Champion and Kyle Rutkowski, did nothing less than exceptional work on my behalf to their company. I have great respect for Tom and Kyles help in completing my loan, but I would never recommend Veterans United (VU) as a home loan company, which is unfortunate for Tom and Kyle. I would not recommend VU, NOT because of Tom and Kyle but in spite of Tom and Kyle's excellent support and understanding throughout the process. My reasons are simple. I am a U.S.A.F. veteran having served 25 yrs. I am a freelance technology contractor and have been for almost as long as I was in service. My dealing with the VU Underwriting process raised questions about me providing fraudulent documentation when there was no fraud. They discounted and disavowed documentation provided by my employer and my employment history and used discretionary decision making in what I believe should have been clearly documented guidelines provided by the U.S. Code for VA lenders which in my opinion were not followed.In my time in the Air Force we often went through inspections with the IG and never were required to do something that was not clearly defined by written guideline. If something was not accounted for in the guidelines, new guidelines were added to insure clear guidance for the future. In my civilian work, I have worked for DOD, Aerospace and Automotive industry manufacturing and EVERY deliverable within these works required clear and unambiguous guidelines and requirements or there is risk to both life and material. Nothing is allowed to be discretionary.I'm not angry at VU for their practices, I just would never want anyone else to be subject to my experience with any part of the organization other than the Loan Specialists. As far as I'm concerned Tom and Kyle were hampered by poor policies and guidelines or checklists and had no ability facilitate improvement in their processes. At the end of the day I got my loan and am happy for getting through it, but I would not come back to VU for another loan, ever.
Response from Veterans United
Hi Jon, thank you for providing these details around your loan experience. We are glad that in the end, you were able to obtain home loan financing. Ultimately, it is appropriate to consider how loan approval guidelines are developed and maintained. The discretionary aspects of the loan process can at times provide needed flexibility. We appreciate your perspective and invite you to contact our Client Advocate team directly to continue the conversation.
An outstanding organization that made the buying process quick and enjoyable!
Veterans United loan specialists are very knowledgeable and helpful in all phases of the loan application process. They are courteous and are always available to answer any questions you may have. They are looking out for the best interests of the veteran. My experience with Veterans United was excellent.
Don't expect to get the home appraised for the actual worth.
Response from Veterans United
Hi Kenneth, we appreciate hearing from you. As we have previously discussed, the VA appraiser is managed directly by the Department of Veterans Affairs. We understand how important it is to discuss these scenarios. It is our hope you'll enjoy your new home, and that our explanations have been helpful.
the entire home buying process was made smooth by constant communications explaining the process start to finish. everyone was professional and exhibited a very upbeat attitude throughout the process. I would definitely recommend Veterans United to anyone seeking funding for their home loan needs
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Great choice! Veterans United made our home buying experience easy and stress free!! Thank you, Thank you!!!
