Much better communication with client to make sure they understand fully what they need for underwriting procedure. I feel mine was dragged out way more than was necessary .way too much confusion. When Cory took over the file it went very fast,but my agent had to call me at last minute ,to tell me I had to get to the title company communicate , communicate !
Explanations about services, fees, etc should be made, especially for the first time home purchaser. Insurance should not be chosen for the home without the purchaser's knowledge.
It would have been nice if from the get go, not a year later, I would have been informed that I did not qualify for a VA loan. Do the research timely, not wait until the last minute.
I think that when passing the loan on to a secondary loan specialist there should be more contact. The lack of communication was frustrating. While it is understood that many people are refinancing there should be communication at least once a week to update the process.
Hire more staff like Winsor Cooper III. His knowledge of all aspects of the process was thorough. His patience in guiding me through all of the details was especially skillful and his positive help and direction saved me time and money.
Keep doing the great job you already do and hire more loan officers like Winsor Cooper.
You could definitely cut down on the amount of paperwork required
I found that dealing with VUHL and my loan agent was very professional in every way. He communicated with me step by step during the process telling me what was needed. VUHL was far more superior to work with than one of the other leading banks of which I waited 8 months and got no where with them.
Keep on what you are doing
You need advocate through the different veterans organizarions, who you are and what you do for veterans. Let them pass the word. Put success stories in thier magazines and maybe have a link on thier website and have some online as well.
The only issue I had with VUHL during this process was with the original loan officer I spoke with a little over a year ago. After completing the online pre-approval form, he called to get additional information. At the end of that interview he told me that my credit did not meet the minimum requirements and he couldn't help me. He did not mention other alternatives, such as your DSA. I did not learn about that department until Erin Enderle called me a little over 2 weeks later. I think if your loan officers spoke with people who are initially not qualified for a loan about the Department of Secondary Approval it could make a difference in how VUHL is viewed.
I would insist that you keep close tabs on your loan officers. Mr. Soete was neglegent in his information gathering and inoficiant time he asked for documents. These documents for closing had been sent and resent. Mr. Soete completely dropped the ball. He needs to be retrained on how to receive and prepare his client for closing. He never returns needed phone calls in a timely manor. He also let days pass and weeks before contacting myself. I had to stay on top of him. To include getting his supervisor involved. You may want to move Mr. Soete to the mailroom. I have many friends still in the military and retired. If I where asked to recommend your company, I would not with a big large "hell no".
better comunication
Everything was fine for me.
Get a handle on what they need instead of coming up with something new every couple days.
keep hireing qualified and efficent personnel like max--matt and krystal they did an outsanding job helping me with my loan and keeping me abreast of the situation clyde cruse
Notify the home buyer with all fees due by closing time way ahead of time instead of a day before closing.
I think my only complaint would be that it took so long. I loved the way they worked with my on everything and it was very convenient to send everything via email.
Ready to see for yourself?
Experience first-hand why 368,504 homeowners give us a perfect score!
The staff is perfect. The only recommendation I have is for more phone contact. It makes things more personable.
i can not think of a better way to refinance a va loan.
Continue the great work!
There is no need to improve. The service is great.
The process went thru very well, but seem to be very picky on items on documentation that emails went back and forth to clear up. the one item that sticks out is the fact i had submitted the disclosure for electronic signature verification. It seemed everything was good, then at the 11th hour the underwriter wanted new signatures on the purchase application after i had sent them the clarification document thru my realitor. IF the electronic signature is not needed, then i would not have utilized that format in the first place to avoid any confusion.
None
