I understand the need for a loan officer and an assistant' however, it seems at many times during the process that they were not on the same page. For example, the assistant would call or email me requesting documents and I would immediately get those turned in and a few days later the loan officer is calling me saying that I needed to get those items in. I'm guessing not realizing that i had already turned them in previously. I just think that there needs to be better communication between the two.
Last minute paperwork is always unnerving. Derek did a great job working a first time home buyer through the process.
Your staff was outstanding, very responsive. John Lucas and Kris Maple really worked hard to get this through. We had several hundred pages of faxes back and forth. My file on this loan is over 6 inched thick. It did take over 900 days to get the loan. I began in September 2010. Mine was somewhat complicated but we did succeed. Your underwriters were a real pain. Because we have several rental properties and mortgages against them, it seemed to really hold up things.
The loan process was a painstaking one. It took forever and there seemed to be several issues and holdups throughout the whole process. I closed four days later than originally planned due to some last minute glitches. It seems like there should be an easier way to to streamline the process and make it more efficient. Having said that, Brad Cone (my loan officer), was amazing. He kept me informed of what was going on throughout the entire process. From the day I put an offer in until my closing, he was only an email or a phone call away. He helped me through the entire process and did the best that he could from his end to make sure all of my ducks were in a row. He was very professional the whole time, but also made me feel a little more at ease and comfortable with the whole process, especially in that last extremely stressful week. I would absolutely recommend VUHL and especially Brad to my friends and family!
1.Representative available evenings and weekends to answer questions/concerns. It is very difficult to make calls during our duty hours and I don't think many military members are able to take leave enough for homeclosing. It is also very helpful when an agent responds immediately after receiving requested documents. This happened about 50% of the time. 2. I don't understand the need for a letter of explanation for a lot of items. I felt that a lot of information I had to provide could have been easily obtained or researched by a VUHL agent. I am active duty and had to provide too much explanation for things that I'm not even sure why it would seem questionable.
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