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When applicants disclose prior bankruptcy's on their record at the beginning of the loan process, any/all letters of explanation that might eventually be required by underwriting should be investigated at that time. When underwriting requests this information in the 10 day period prior to the scheduled closing date it causes unnecessary stress on the applicant by causing fear that underwriting could deny the loan at the last minute.Also, when the offer to include any/all VA Funding Fee's into the home loan, loan officers should specifically state that those fees do NOT include any Veteran's United origination fees and an estimate of what those fees will be. This lessen the stress on the applicant when closing costs are discussed later in the process.
Communication is key I should not have to call and email every day to find out the status of my loan. It also should not have taken 8 weeks to do a loan that would take any other loan agencies 4 to 5 weeks to complete. I expect when I call or e mail asking a question to get some kind of answer the same day even if the answer is I am not sure but I will find out at least I know my concern was heard.
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