I think all loan officers should treat everyone as if they are a first time homebuyer. I felt as if I was given information like I was expected to know certain things. I had never been through this procesa before and things were not handle properly. My loan officer waited until the 23 hour to inform me of certain things. Title work wasn't done in a timely manner which push the closing date back. I understand this is the age of technology but some things are better discussed and explained over the phone. This is naturally a frustrating process and I don't feel as if my loan officer made it any smoother. I was highly dissatisfiied with my service.
Overall the process was very long. If you could move a bit faster, and stay in constant communication, it would go a long way to reducing the amount of stress this type of transaction naturally generates in the applicant.Thank you.
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Devin, our Loan Officer did a great job. It would be nice for VUHL to give their employees the information they need without having to triple check things. During our process, we got frustrated having to resubmit documents because what we thought was right, wasn't and we had to locate something else. It was confusing to work via email and telephone with a loan officer then someone else tell him it wasn't right. Devin was patient and followed up with us several times during the week. All the paperwork was definitely the hardest part of buying a home and although the process was difficult, Devin was always happy to help with anything we had questions about. Midway through our process, after attempting to go through underwriting and getting denied, we got a long list of paperwork needed to successfully complete underwriting. A document on that list was a Statement of Service for being in the military. If VUHL needs a document like that signed off from the commander, it would be extremely helpful to ask for that during the pre-approval stage of the loan process. We were told it would take 3-4 weeks MINIMUM for our commander to sign off on the document. Luckily we were able to submit it without the signature but we would have been extremely discouraged if we would've had to wait on that one piece of paper.
