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Page 1290 of Unfiltered Reviews from Our Homeowners:

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5 / 5
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4.5 / 5
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Common courtesy, just refer to everyone as sir or ma'am.

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We have not heard her since our home inspection. The listing agent was at the closing.

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Robin was great, showing us house after house! She too was very patient with us, and very helpful!

5 / 5
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From the beginning, Levi was always on point. He responded quickly and intelligently to every request I had. When I saw on LinkedIn that he was new to the industry, I was beyond surprised. I would have thought he was a 10 year veteran loan officer. As soon as our offer was accepted, I learned that he would begin paternity leave (and mildly panicked). Steve called me within the hour and my fears were immediately gone. You know when you meet someone who is obviously in the 99% percentile of their respective career field, both in soft skills as well as knowledge base? Well that is our impression of Steve. The man has obviously found his calling. Allow me to give context and explain why I feel this strongly about, what is for some, a routine/standard process. First, the market in San Francisco right now is truly unique, and I am well aware of that, especially given that VU is not a local or regional lender. By some chance of misfortune, we were paired up with a real estate agent team that caused me many a sleepless night, and almost (more than once) cost us tens of thousands of dollars. For the record, Rachel McKinnon was the lead agent. She seemed honest, experienced, thoughtful, and intelligent. Unfortunately (and I fear it was for health reasons), she was absent for the majority of the process. The impression she left was actually positive. Her partner, Rhonda Daly failed us on numerous occasions. To begin with, she often proved herself to be intellectually incapable to be solely responsible for representing buyers in transactions of this size. Our first bid was not successful, but seemed smoother as Rachel was the lead. The first red flags were detectable when they, despite being a referral from VU, asked us to meet with a Citigroup Loan Officer to get us into a non-VA loan. Her proclamation that "a VA loan is impossible to close on in the current San Francisco market" was repeated regularly. I am forced to wonder why she took us on as a customer, but digress. The fact of the matter is, we never lost a bid because of loan type, only because other buyers were more comfortable paying more than we were for a property. Perhaps the most suspicious of her unprofessional and/or poorly thought out practices was when they tried to "do us a favor" by coordinating an "opportunity" to bid on a temporarily off-market property that a seller pulled to allegedly wait for a few months. According to their report, they knew him well and said they could get us a "perfect, one of a kind, unbelievable, ideal, perfect, impossible to find in this market" (her words/hyperbole, not mine) opportunity. They said that the seller would go as low as $725,000, implying it was a favor to them. After seeming annoyed by me asking for comps, they then made numerous excuses as to why the comps didn't accurately reflect this "truly unique, ideal opportunity." It seemed fishy (and really expensive, even for SF), so we passed. I continued to monitor/track all of the properties we had bid on or been interested in, via Redfin, to see what they closed for and learn more about the market I was trying to navigate. Much to our dismay, I soon (a couple weeks later) saw that same property sold for $25k less than the "amazing/ideal/friend/insider price that our agents had said was the lowest the seller would accept. HOW IS THAT NOT A CONFLICT OF INTEREST!?! Throughout the process, Rhonda told us to bid as much as we were willing to pay. I understand that that is not unheard of in San Francisco, but I feel it borders between lazy and ill-advised. This was, to me, confirmed when our current home's asking price bid was immediately accepted, despite being told that it will likely sell for much more than that (note: it was already a $15k price reduction). The last example I offer (though there are still many I've not described) relates to the amazing home that my wife and I are the recent and proud owners of. This is the home that Levi's, Steve's, and Codi's hard work helped us to own and begin the next chapter of our lives in. Oddly, this home sat on the market (in SF's hottest neighborhood, the Mission) for an extended period of time. We learned from the seller's agent that the owner had not lived there in years, nor had she been making payments for that long. I called Levi to see what our risk exposure was in a situation like this. He astutely and clearly described exactly what the situation ended up being, a short sale with an unknown time horizon (I'll get there in a sec). I asked Rhonda about it, who replied "Absolutely Not!" There is no way in the current SF market that someone could have bought a home when she did and currently be under water. As someone who understands compound interest, I was skeptical. She was dismissive of my concerns, saying it was impossible. To this day, I don't know if she just wanted to get rid of us and get her commission, she was not bright enough to understand, or anything else under the sun. Obviously, we were surprised to learn after we were under contract, that it was in fact a short sale. I thank my lucky stars that it was expedited beyond belief, VU honored the amazing interest rate that Steve helped us lock, and we are now in a condo that fills our hearts with joy. I would also like to point out that Rhonda worked her butt off in the end. She continued to send us DocuSigns out of the blue with no explanation, but I could tell it was because she was so busy. Additionally, when she was not annoyed or overwhelmed, she was very pleasant and seemed to care about her job and customer service. So, I didn't spend all of that time recounting our 9 months in the home-buying market to bash Rhonda (OK, some of it was venting). The real reason is to illustrate exactly what we went through, and why we stayed in the market. The answer is Levi and Steve. We have a rent controlled apartment, comparable in size, nicer than our new condo, in the financial district, that we pay about half as much a month to live in. Couple that with the life-span decreasing stress and uncertain caused by our agents, and continuing on our home-buying path seems utterly insane. I can honestly say that the lynch-pin that kept us in the market and focused on our home-ownership goals was the trust that we had in Levi and Steve. The only impetus of confidence came from the both of them, and the only reason we are not regretfully looking back at nine months spent in what is arguably America's craziest real estate market, cursing wasted time, spent energy, and receded hairline, is because of the efforts of Levi, Steve, and Codi.

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4.5 / 5
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I was in a difficult place trying to refinance with my previous lender. They made each step excruciatingly slow and in the end they told me I needed to come in with a substantial amount of money. My friend Douglas Fortner told me that Veterans United Home Loans could help me. I was contacted directly from Tony Diaz and he referred me to Rylan. Thank you for making my refinance a stress-free experience.

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In general, we had a great experience with VA Home Loans, and would definitely use them again. However, in future, we'd like to see better communication with our loan officer. There were times when I really didn't feel "in the loop" about what was going on with our loan. We didn't receive our appraisal til after closing, and that was only at the request of our realtor - this shouldn't have happened.

In addition, there were two important documents in the process that hit a snag for different reasons. The first document - our COE - was mentioned by Marissa as being needed ASAP. Well, I am a full-time college student, work part-time and am a mom. I have a lot going on, so I'm not always going to remember everything. My husband works night-shift and is in the National Guard, so he's got a lot on his plate too. For several weeks, Marissa said nothing about the COE, and by then, I had completely forgotten about it. This caused some delays in getting paperwork through on time, and I'm sure also caused some stress on Marissa's end. If she had just sent a reminder email (even one every few days) or texted/called, it would have helped immensely. I tried to stay on top of the paperwork, but sometimes life means I forget. Good communication helps. :)

The other document was needed before closing, and we received it the day before closing. Realistically, I think the document could have been done earlier in the process. Marissa sent the doc to us early Thursday morning, and we thought we sent it back Thursday afternoon (but apparently it was not received). We didn't hear from Marissa until Friday morning, and we closed that afternoon. This made Friday a little stressful, especially amidst packing and preparing to move. If Marissa had reached out even mid-Thursday afternoon, it would have helped and we could have made sure she had the document that day instead of thinking she had it and finding out otherwise.

Anyway, I don't say any of that to downplay the wonderful experience we had with VA Home Loans. We are so thankful for all of Marissa and Kelsey's hard work in helping us find our home!

5 / 5
Would Recommend

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