Learned a lot of what to do and what not to do throughout my loan preaaproval process. Feeling very happy and secured with my mortgage loan thru Veterans United Home Loans. Thank you for the help I received. :)
I think VUHL is an invaluable asset to those of us looking for a low interst mortage loan. I am extremely displeased that the VA process of appraisal comes at the end of negotiations and not at the beginning. It's appealing to have the appraisal after a number has been reached and is tantamount to strong-armed mafia tactics of "making an offer they can't refuse". This needs to be addressed before I will ever do any more business with VUHL. As it stands, if I ever sell my house and a buyer comes through with the VA I will not do business with them. I will not have my property undervalued in order to get a deal done.
Great team thanks for all the help loved the video you guys sent after we were locked in
Chad was really great. I truly loved working with him, he really seemed to care about finding the home I want. I was always afraid realtors just want you to buy the most expensive home possible, but Chad was not like that at all! I will recommend him to others.
Terri was great
Aaron Madrid and Matt Lucas were a pleasure to work with....I felt very comfortable.
Everyone, Derek, Andrew and Donna M. were always there for any questions i had in order to complete the paperwork. I feel everyone put their all into making my loan happen. Their hours of working so hard and for all their explanations on certain things are very appreciated by me. I couldn't even find the best words to thank Derek K. for a comfortable start with my first purchase. Thank You So Much Kathy
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Your business ethics and attention to detail is absolutely superb. Alice represents your company in a manner that warrants recognition. Her professionalism (and some straight forward candor) on the limits of my loan and the speed in which she processed everything is noteworthy. She gave me hard truths and facts when I had too high of expections yet worked as an advocate on my behalf. If I owned this company I would lean back in my chair and smile...you have a true professional in Alice. My hats off to her and more importantly, my gratitude for such a great home buying experience
Thanks for the good work.
The experience overall seemed pretty good. There were a few times that it seemed there was a lack of communication, resulting in me feeling that things were not progressing. I believe they were but it was just a feeling.
I am a person who needs to be kept up to date and know what is going on rather than asking for information. I would like to suggest that there be some kind of electronic update with each step so that the mortgagee is kept abreast of progress. It feels like you are lost in the shuffle at times.
Good job great work fantastic leadership and overall a grade A team. Thank you for all your hard work.
THANK YOU ALL FOR SUCH A WELL DONE HOME BUYING PROCESS. MADE MY LIFE EASIER THROUGH IT ALL
Alisha was REALLY great to work with.
No further comments.
They did an wonderful outstanding job on my home loan.
I wish I'd better understood Veterans United's relationship with Carla. I would have parted ways with her very early on if I'd had a sense that I could. It seemed that she was assigned by V.U. and part of the deal?
I can't think of any single redeeming, let alone useful, interaction with Carla. I would much rather have gone through this process without a realtor than to have dealt with her. She didn't listen to me about the kinds of features I wanted in a house. She initially showed me houses well out of the $150K, even well over $200K. The houses she was interested in were all new builds. She did not seem to know the area well, and she did not seem at all interested in doing the research to find houses in my price range that were re-sells. She made it seem as if that were not a good option. I like the house I'm in now (a lot, actually!), but I would have preferred not to contribute to urban sprawl.
She was late for every meeting we had -- often 15 minutes late. She would come in, scold me in some way, tell whoever I was talking with -- the vice president of the building company, the builder's realtor, a woman at the title company -- "Oh, you must be new. I don't know you" in a way that completely interrupted whatever conversation I was having with that person. The people I was with were often long-time employees (20+ years) with significant status in their companies. She would try to put them on the defensive. The women would often try to explain ("I was on vacation 2 days last month when you did that closing; that's why I wasn't there"), and the men would look at her, deliberately ignore her question, turn back to me, and continue our conversation. I was so glad when they did ignore her. I found her behavior embarrassing, condescending, and over time, infuriating. I just didn't want her around and couldn't figure out what good it did to have her involved in any of the process. I found myself having to work around her to gather reliable information. She was a liability. It bugs me that she got paid -- and the commission was a few thousand, right?! -- for any work with me. I would be happy to pay Neil a commission; I want to honor people's time, effort, and good work. But it irks me that she would get a dime from this.
Everything -- and I do mean every little thing -- she told me from start to finish (from the first ride around to the final walk through) was wrong. She often seemed confused or she contradicted what she'd just told me, or what other people -- Will, Neil, etc., -- were telling me about the house, the lot, the loan, closing costs, etc.,. I ended up talking with other realtors to get trustworthy information at every stage in the process so I would know what to expect next and understand what my options were. I asked Carla, but she would either respond without answering my question -- even when I asked repeatedly-- or she would give me wrong info that Will or Neil or someone would later correct. I asked questions about the process, about negotiating, about timing, about closing costs, and she never gave me a straight answer. In fact, she often scolded me like a child and acted as if I were being ridiculous to even ask questions about anything. I felt like I needed to ask questions because I didn't always understand what was going on, and I didn't feel like I was in good hands with her.
One day I stopped by the house, about a week (?) before closing (June 15), and a realtor in the office let me in and casually asked, "Oh, have you ordered the gas meter yet?" I asked Carla about this and she told me I didn't need to do anything. A day or two later she told me I did need to call the gas company. But it was the gas meter that gets everything started. They couldn't do the walkthrough, and I couldn't do an inspection, etc., until the gas was running. The gas company told me it usually takes 2-3 days before they can even schedule an appointment on a new build because they have to create the entry in their system and then issue the call/appointment, and then get their guys to come out. They ended up doing it sooner, but that could have put closing off by a week or so. For me, it was okay, I had time, but most people don't when they're trying to move. It did mean that closing had to be pushed back and that my partner wasn't here when I closed, which was a little frustrating for us both.
Carla did introduce me to the neighborhood I am in now, but I chose to go back a different day without her so I could look at homes on my own. I didn't want to put up with her condescension any more than I absolutely had to. I found the home I'm in now without her, negotiated the deal with the builder's realtor and signed the contract without her. Maybe she did things behind the scenes; I have no idea. But I dreaded every interaction with her both because of her incompetence and because of her lack of respect for anyone. She made fun of people -- other realtors, people from Asian countries ("Orientals"), people who are overweight, homeless people (she even showed me two photographs of a homeless man washing his clothes in the street -- photos a friend of hers had sent as something to laugh at) -- every single time we were in the same room together. She would make remarks to the builder's realtor about another realtor, to the woman who was doing the closing at the title company about another woman working at the title company (saying the larger co-worker was lazy and mean, and asking me if I generally found that fat people are more lazy than skinny people). Good grief. It makes me mad now, just remembering all these things. She is not a person I would ever want to work with or be associated with in any way. She is hands down the worst service provider I can remember encountering in a long, long time.