Better communication. many times I had to go in search of answers to my questions, and in search of my loan officer. What was happening bacame very unclear, especially when it came time for the closing. Even the Title company wasn't sure what was going on. I felt like I had to act as the go between for the real estate agent, title company and your company. That added an incredibleamount of stress on me AND my family. Thie situation did correct itself, just left a bitter feeling.
Recommend a better realtor
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Although I would recommend VUHL to friends and family, I do believe there is room for improvement in the process. I feel that my loan officer was knowledgeable and helpful, however I also feel that he and his processor were disorganized. I understand that as the process unfolds, items that were not originally requested are then requested. However, certain items such as child support documents which is known about at the beginning of the process should be requested up front instead of waiting until last minute. I feel that the loan officer and processor are there to lead us through the process and we should be notified of ANYTHING that COULD be requested in the future so we can have it ready if needed. I'd rather be gathering too much information that may not be needed than asked for additional information at last minute that may take a week to receive - yes this happened. Additionally, I understand that we were purchasing our home and working with VU during perhaps peak season and our loan team was busy balancing other customers and vacation schedules. But, I feel that precious time was lost because of vacation schedules and our file bouncing from desk to desk. We were asked for documents time and again that we had already sent. I recommend a better document flow between the team we were working with. This process was extremely stressful and although we made it through, we were ready to throw our hands up multiple times. It would be helpful if the team would better explain to the client up front how the process works, why documents are continuly being requested and how time frame (range) so that expectations are realistic.
