There needs to be better comunication between the mortage agent, the realtor and if there's one the lawyer and the client. There real needs to be a VA liasion that can help answer questions and explain the rules to "civilian" real estate agents and lawyers. It would be helpful to the vets as well. There should also be a clear right of redress of grievances procedure checklist supplied so that if such as in my case I wanted to file a grievance for practices I felt were unjust I would know where to begin such as the banking commission, the New Jersey State Bar Assoc. etc.
I was very pleased with Chris Throton and Emily Roarks efforts at getting my loan closed. I was not please with the time it took underwriting to make the final approvals however their was a builder issue that delayed the closing. Overall I would rate the loan officers at 7 out of 10 with underwriting being a 6 out of 10 due to slow turnaround time.
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Keep in mind closing deadlines and realize you are holding peoples lives and well-being in your hands. There did not seem to be a sense of urgency in completing tasks in VUHL's behalf, yet I was expected to respond expeditiously with all required validation documentation. There were numerous redundant documentation requirements levied by the underwriters with a number of last minute requirements that held up funding of the loan...luckily the seller was accommodating.
It was very frustrating that one week befd to close on the house the loan finally went to the underwriter and they needed some more documentation that was hard to get. We were able to get it but it took some time and that delayed the closing on our house. It would have been nice since we had a contract for almost two months if it didnt take so long to get a bank to take our loan. Besides that it was a good experience.
