Ensure you inform about the fact that loan does not enter any processing until a contract is entered. Also ensure timely communication if loan officers are changing.
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VUHL can improve by becoming more experienced at handling sales in which the spouse is acting as POA due to deployment. While I feel that my loan officer and his assistant did their absolute best at handling the situation, there were several instances during the process when I felt that I should have been more clearly informed as to what was expected of me. I\'m certain that this was merely due to limited experience with my specific situation. In the future, I would encourage that a complete list of all anticipated documentation be given out with the welcome packet. This list should include any document that would be required in ANY scenario. It should also outline the fact that a General Power of Attorney must be accompanied by a Specific Power of Attorney so that the spouse of the deployed service member isn\'t blindsided by that particularly difficult hurdle at the last minute.
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The difficulty experienced by my wife and I was not with our loan officer from VUHL. The underwriter was not very professional nor organized. He/She through a series of unreasonable requests caused an extended period of time to pass which resulted in an increased interest hike from 4% to 4.75% or an additional $27,000 to the total loan. As hard as Nate worked for us, the underwriter worked very hard against us. I would highly recommend both VUHL and MR. NATHAN REEVES and only hope that those to whom I\'ve recommended be serviced by another underwriter. Thank You for the opportunity to express our thanks to both the company and Nate and our extreme displeasure with the unknown underwriter.
Tell people what they will have to pay to begin with instead of telling disabled veterans there are no upfront cost.
