nothing
Everyone that helped me was very knowledgeable and gave excellent advice!
I think they are doing a fine job right now.
It was a refi and a very simple process. Easier than 1 year ago as we moved documents back and forth via email and that was great. Would wonder if you might benefit from an encrypted portal that a person could upload or drag and drop documents that are scanned. Or if the future could elevate to something like the Adobe EchoSign methods of signature. Just thought to streamline your process.
Stop requesting information less than 12 hours away from closing becuase a mistake mas made and something was overlooked the closing gets delayed._ i called my customer advocate and they never called me back
When I first initially started the process with Veterans United I could not get a hold of the first loan officer Sid Winters..When I couldnt get ahold of him I almost went to another company. He would call me two or three days later on important calls or not give me updates. Adam Crutchfield and Shannon Buckridge did the opposite and were able to get back to me right away.
avoid repeated paperwork
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Honestly did an awesome job, and I really can't think of any time in the process that could be improved.
Everything went very smooth and rather quickly. Nick and his team did an amazing job, resulting in a quicker closing than expected. Everyone raved about how well the process went, even the realtor said they would recommend Veteran's United to future vets that come into their office. Great job.
Keeping people up to date and making them aware of all charges and fees that they will incur throughout the loan process, instead of waiting until the end.Getting qualified appraisers that do things in a timely manner.
Our only complaint was with the first person we contacted. I called several times to start the loan process and NEVER got return phone calls from the gentlemen - very frustrating! Our suggestion would be to stress to all team means how important punctuality and return phone calls are. (THIS WAS NOT JONS TEAM!)
I don't know how it could have been any better. My loan officer was absolutely the best at communication .
It would be helpful to know the entire spectrum of documents needed for a VA loan upfront. It was frustrating and a little overwhelming to find out how many documents are needed. But even more frustrating was getting requests for one set of documents only to have many additional requests for even more financial documents. Confusion regarding my military pension and having to sign homeland security documents like we were criminals was also frustrating. At the end we nearly lost the loan because of some math errors regarding our income, but our loan officer helped us find a way to satisfy the loan reviewers. All in all, it took too long, required waaay too many documents and the process should have been clearer.
Cut down on paperwork .
The call response time is already very good. If I had to target an area where there is room for improvement, I would mention that, but it is minor.
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There was a lot more information needed to process our loan than normal. Our loan officer worked hard with us to get all of the information, however the process was long and exasperating. An updated list of all of the information needed would have been helpful in getting all of the information to her quicker!
the only way I can think is to let the military, veterans and their families, advertize more.... and let them know they can also refinance their loan. I'm your friend on facebook and saw some bad comments but what I thought was great is a loan officer answered all the questions. When soldiers are getting ready to leave the military they go to many briefings and receive a folder with lots of information in it, I worked on Fort Riley and saw this, is there a way you could add a fact sheet into that package? Or even get representatives to speak to some of the family support groups? or go thru the different veterans organizations, American Legion, VFW and such... Thats the only way I can think you can improve
I have already began recommending my fellow Marines to use Veterans United, you guys were great.
Our loan officer repeatedly told us we had outstanding file. We have superior credit scores, assets in multiple accounts, were timely in responding to requests for information and we are living in a home that has not depreciated from its original sales price in an economy that has seen sharp declines in the value of real estate. Despite that, it took 65 days to process a simple refinance once we returned the initial information package which contained all of the information initially requested. That length of time for processing a "clean" file is unacceptable. What happens to those clients whose file may not be as clean, who may not fit the criteria designating them as "outstanding"? We will not be recommending your organization to anyone we talk to regarding refinancing their home.
The overall process was very frustrating, To improve the experience for others I think there needs to be a more detailed explanation of the additional requirements of a VA loan vs a conventional loan. I had difficulty communicating with my loan officer however, My loan officer and was able to communicate with my wife which made it successful. The preapproval process was very simple and being able to generate the preapproval letters for placing a bid on the home was simple and straight forward. The processing of the actual loan is where the difficulties occured. The ordering of the Appraisal came as a total suprise. Then additional requirements came up with very short notice. If I had been provided with a list of common things needed and common mistakes that are made I think alot of the problems would not have occurred. Agian at the end of the day Lee Sattler and Morgan Evans worked with my wife and I to get through the process. There were times that I was very frustrated and did not work well with Lee. They continued to work on my loan to ensure that it went through. Looking back it was more of not knowing the process and not having the time to learn the process. Lee and Morgan put in the added time and effort to ensure that my needs were met and we got the home of our dreams. I commend them on not giving up, when I was not being the most cooperative of customers.
Set an operational standard to perform due diligence by cross referencing the actual closing cost differential from estimation to generation prior to close so the qualifying client can apply the bank bonus from the loan generation fee for a $1400 refund/reduction on closing costs or allow a personal refund from Vets United to end user if this step was unable to be performed in the latter rather than offering 2 financing options and reneging on the qualified individual cash back option if the higher rate was taken because of the kicker. Remove the legal disclaimer and cut a check when it should be cut!
