After locking the loan at 3.25 on a Friday something went wrong with the computers and Monday it was lost and we had to relock at a new higher rate 3.375. Granted we still got a better rate than our old 3.75 but it did bother us that something went wrong that couldn't be fixed.
The process was longer than I estimated. I felt helpless at times because I think know where we we're in the process at times.
Ross Kulik has shown much care,patience, and knowledge and ability.... very great person to work with,,,
Amazing to deal with and always answered every question we had!!!
The entire process was easy to understand. Everyone was very friendly and always willing to help out, no matter what the case may be.
Ms. Tatum and Ms. McDermott were friendly, Professional and very helpful from start to finish. As a first time Home owner and VA Home loan applicant, they made the entire process easy and stress free.Thank you
Very very helpful with a couple of issues we had
Shawn was awesome from start to finish. Even while on Army status he was still on top of my loan every step of the way.
The remarkable character of our Loan Officer is what made our experience with Veterans United Home Loans special and successful. If it was not for her, we would have terminated our relationship with the company long ago due to the behavior of the Staff Appraisal Reviewer, or SAR. The SAR was uncooperative and risk averse, refusing to use the power of her position to make common sense decisions and support our effort to use this important VA benefit.Following a low appraisal, the SAR refused to adopt very strong evidence of the actual value of the property based on excellent comps. Instead, she quickly sided with the appraiser, who used comps that were well outside the neighborhood and more than a year old, despite the availability of 7+ comps from the past 90 days within 0.5-1.5 miles of the property.The appraisal report, completed by an over-zealous, mean-spirited, power mad appraiser with a well-established local reputation as a rude and spiteful person, listed one MPR ('Minimum Property Requirement') that had nothing to do with the integrity or safety of the structure but was purely aesthetic. A second MPR misidentified one area as a porch and one door as a vital emergency exit. But when the MPRs were addressed following consultation with the city building inspector, who later approved of the repairs in writing, the appraiser decided that the work was not completed in the style that he preferred and refused to sign off on the work. Despite written verification from the city's inspector that the work, completed by a licensed contractor, complied with state building codes, the SAR quickly sided with the appraiser, refusing to exercise her authority to use evidence and common sense in making decisions. Lastly, when evidence was provided to show that a painting project was already in progress to meet a paint-related MPR, the SAR refused, once again, to exercise her power to keep things moving along, causing unnecessary delays for all of us and prompting the seller to threaten to walk away.It is important to note that the VA's RLC (Regional Loan Center) in Cleveland immediately issued waivers for these items after receiving the very same evidence submitted to the SAR. This SAR is either afraid to assume any responsibility by doing her job, or has no real understanding of the criteria used by the VA in making these kinds of decisions, resulting in wasted time and unnecessary emotional anguish for everyone else involved. A risk averse, unaware or ill prepared SAR gets in the way of important efforts to provide secure, meaningful housing for our nation's veterans, so we sincerely hope that management at Veterans United, along with the VA (which we have contacted on this matter), will review our file and address this rather serious flaw in the system. A SAR who takes a default "No" position in order to play it safe and protect their own reputation makes Veterans United look foolish and can potentially put veterans who are in need of real housing at genuine risk.
Great people to work with jump through hoops to get you the home you want
Extremely professional & courteous.
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Very easy to work with and all the people are great to work with
Very positive experience. Scott did a great job describing the process to me. And I really appreciate his patience with me.
