Should have had a list of items that were need at the very beginning. It was inconvenient for me and the loan officer try to forward or receive different items needed. It seem very unorganized and cost me 1% intrest. I am upset over the 1% intrest!! The loan officer did do a great job except get me locked into a lower intrest rate that was determined . It could have happened if there was more organization and a "laundry list" of items needed in the beginning...
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communication is key, VUHL did a good job and answered my questions right away.
I know that there are several people working on one loan application, but the different e-mails with different papers, forms, and copies that were needed were sporadic and hard to follow. Creating one list with everything required so that a common checklist could be viewed by the applicants would ensure, I think, a smoother process. As my team could attest, all the varying papers needed by different people had me confused and sometimes baffled and behind in my submissions. Also, there were some required forms or things to be done that were left out. EVERYTHING, no matter how 'dummy proof' it seems, should be listed and given to the applicants to ensure that nothing is left out.
Explain the "locking in a rate" option early to clients. Make sure they understand the ramifications of not doing so.
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