We had an issue with the realtor and the loan officer not communicating properly which may have cause us to have a .5% on the loan which almost made us not get the house. And then there were issues with something to order the appraisal. This pushed us back at least 4 days which forced us to have issues with the closing. There should be a better way to combat this.
If a form is signed by a buyer stating intent to proceed... proceed without delays instead of waiting for rates to go up the process to get more complicated. We are military members an d a lot of us have both Military and civilian jobs to do - we dont know the rules nor the process. The expectation is that you are going to keep us on track and get us the best deal. Knowing now that VUHL is one of the most expensive places to get a VA loan in Columbia you need to make sure you lock on to each member and take the best care of them. Felt like I did a lot of asking too much of the time. And despite the fact that I signed the intent to proceed form the loan wasnt locked and ended up jumping .625%. I understand its a market system and things change. But we have entrusted you to be an expert in monitoring the market and locking when its best for the buyer. Failure to lock the rate after I had been told it was good to go will now cost me several thousand dollars over the life of the loan. The process became such a pain I honestly lost the excitement of buying a home - Just wanted the process to be over.
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Veterans United Home Loan was very fast and easy to work with, I have no complaints and will continue to do business with them.
Make sure all the paperwork is there.
