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Overall I received satisfactory service from veterans united. I was provided excellent customer service from all the staff I talked with. During the process there were a few steps which made me uneasy. One document requested Alternative Trade lines and stated you can list your password and login information for a faster processing. I found this unacceptable. Account information should be protected and not provided to anyone other the person the account belongs too. Similarly, I had a disagreement with my Transaction Coordinator whom stated the IRS showed I had not paid my tax in 2012. However when I contacted the IRS twice on behalf of VUHL, they stated there was no issue on their end; showing I had paid my taxes for 2012. I sent over my tax transcripts but was told I needed to tell the IRS my fax number was my loan officers fax number and VUHL could not accept the transcripts unless they came directly from the IRS. This didnt seem correct to deceive the IRS and tell them to fax me documents and give them VUHL fax number. Specifically since I already authorized and signed documents approving the release of my tax transcripts to VUHL. I refused to do this and I was granted a waiver to submit the document from underwriting. I felt the documentation process and the manner in which documentations were provided was slightly lacking. I think it would be beneficial for Veterans United to invest in their IT department providing a secure way to upload documents onto a user website login. This would help prevent identity fraud. Additionally it would help the Transaction Coordinators keep organized on which documents they received.
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make sure that all closing costs are included in each loan