I was nervous being a first time home buyer with very little knowledge of how everything would work out but the team and loan process was a breeze and helped me to feel less stressed!
It made the process very easy with everything being so streamlined. Being able to upload required items and receive documents via online portal was awesome.
Cooper, our loan agent, did an absolute amazing job. He embodies professionalism and is a wealth of knowledge. We could not be more impressed by him and believe he is representing your company in the most impressive of ways. He was efficient, diligent, and always one step ahead. His prediction of fees and associated closing costs was spot on and he answered with clarity and precision all of our questions.
Overall I'm pleased that the job got completed, however there were plenty of things that I was not happy about. I don't know if it's normal to not have an easy and timely method for communicating with the loan officer but this was the case for me. We had a really hard time getting in contact with our officer as well as having things thoroughly explained to us- even after explicitly requesting this in writing and over the phone several times. We would be told one thing (as far as closing costs and credits) and then weeks would go by and stuff would change but I wouldn't know anything changed until I had to sign something. We researched stuff on our own but this was our first time buying a house so there was a lot we didn't know. Additionally, due to an unexpected early medical separation from the military, I didn't have a lot of time to prepare for this cross-country move. I made Veterans United aware of this fact and all I requested was transparency. This was an extremely stressful moment in my life and I feel like I might have had an easier transition with a different company. If I wanted/needed to primarily communicate via e-mail, I would have looked for an online lending company. We actually received the majority of our knowledge from friends and other contacts within the home loan industry. Our process was held up due to waiting on some documentation from the VA and I would blame the communication issue on the fact that we couldn't move forward until receiving the proper documentation- I get that from the Veterans United side of things! However from my side, we were extremely stressed and had a ton of tasks on our plate. We didn't have time for our dominos not to fall correctly. Lastly, I do not appreciate this company's refusal to adjust our interest rate. We initially did a rate-lock but it expired and we were hit with every excuse and reason under the book why our interest rate couldn't be adjusted. If I wasn't on the verge of homelessness and could spare the extra 2-4 weeks to start over with a different lender, I would have!This was just my experience. I know others have had great experiences so I don't knock the success of this company based on one bad experience. There's probably 100 different variables where a change in any one of them would have made this experience awesome...but this wasn't the case for us. I believe this is a good company, again, I just had a bad experience.
Rebecca Wholey and Ryan Ponder were a outstanding and a pleasure to work with.
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My experience was very good and everyone was very friendly and I had no hassles just a lot of paperwork but overall I was very satisfied and will recommend Veterans United to fellow veterans.
Very Easy
it went great
