Make clear the IRS requirements...make clear debt to income ratios and banking requirements...I.e. having to justify every deposit over 2000.00 ...make clear the that with VA loans that extensions are not only likely but required on HUD properties and that they cost money. So much stress hardship could be saved with a simple letter early on.I feel like Will did a fabulous job ...given what he had to work with...I contacted his supervising staff due to underwriting difficulties...they did nothing. I think Will worked extremely hard on my behalf. But not for his efforts ...it would not have got done. He always replyed quickly...always answered his phone...I am glad will was my loan officer
My loan officer and his team were outstanding. However the underwriters of the loan were very unprofessional and caused undo stress at the last minute of the loan process when they had all information well in hand weeks before closing . Seemed to me that they waited till the last minute for everything which is a telling sign they are poorly managed. This area strongly needs attention. Other than that our experiences with our loan officer and his team was great. They communicated well and gave us the information we needed to get things accomplished quickly on our end.
The repetative paperwork, is very annoying and very hard to take care of when a person is in between houses. One sourced and signed document should be just fine not 4 or 5 of the same thing.
don't know if you can, my service was well handle and expedient. No complaints
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The only issue I have is that I "locked" a rate for a .25 Lender discount, and with a VA Loan there is a "Max" return to me. That is fine, but when I locked at 4.00 and not 3.76, the original estimate was $1300.00 and when we show up at closing, because the Maximum return was limited to the earnest money, the Lender discount went from 1356 to 586...Basically making me question if I should of even took the higher rate because of the majority stayed with the lender. Which brings us to the initial frustration of not closing on the original projected date, which this was a 25-day closing, so not shocked that we got bumped a week, shocked that we get the HUD 15-minutes before closing and I have to be doing my first review of the "Final HUD" in the title company's conference room at closing...And when I noticed that the amount for my Lender discount was almost a 1/3 of the projected amount, just felt like I got "hosed" on the deal and feel like I got tricked into the higher rate and didn't received my true discount for taking the higher rate...And the only thing is, the title company is looking at me, saying if you have any questions/concerns we cannot close today...And with my wife finishing work in another state and driving 4-hours to close, just felt like I had no choice and pushed into closing...Just felt like I didn't have anybody helping me on that portion of the process...Everything else went smooth as I think it could have, they (Mark/Jaime) where helpful and courtesy, just feel like I made a decision on getting a bigger lender discount, and then with the limits of VA, it's like sorry I guess your discount from us, isn't going to be as good as you thought it was...I will only pay for it over the next 30-years...Hmmm, something to think about....
