This was a tough loan for sure. I appreciated Lee's and Morgan's help in the beginning, but then it kind of fell apart. The more difficutlt it got, the less contact we received. I asked several times about locking in a rate and Lee assured me that it wasn't necessary. Then the rate went up by .75% and cost an extra $100 per month. There was one time I called Morgan and it went to voice mail. I began to leave a message and he cut in and answered it. He said that he was on the other line and I said sorry. He said, "No problem, I didn't really want to talk to her anyway." Of course I have no idea if it was an internal or external customer, but it was very unprofessional. There were many times that I was told that I would receive a call by a certain time and would receive one. Once Lee stated, "I thought that if it was bad news, it would be best to wait for later". Again, super unprofessional. One time my husband mentioned to our realtor that these guys didn't know what they were doing and were unprofessional. He immediately called Lee and told him what was mentioned. Lee, in turn, called my husband and gave him an earful. Again, highly unprofessional. Buying a home is extremely stressful and if they can't take some comments and roll it off, then they need not be in this business. We have bought several homes in the past and understand the experience. Finally, when we went to our appointment at 10AM on Friday to sign the loan docs, we had to wait 2 1/2 hours for the paperwork to be sent to the closing attorney. Then they weren't even correct! There was a $2000 error that thankfully I saw or we would have paid too much. Also, I was assured from Lee that our house would fund that day. I spent many hours scheduling utilities, the movers, and the carpet cleaner, only to find out we couldn't fund until Monday. I had to call everyone back and reschedule EVERYTHING!! I am glad that we got the loan, but it could have went a LOT smoother if they paid attention to detail and followed up.
I think to be approved and someone say go find your home is alittle bit misleading. This is something people arent expericence at. its stressful. My point is this, the older the house the more issues to make it. Nobody fault. but somewhere in your your talks make buyers know they dont have to jump at the first house they see. Its a process. The older the house, the more you protect. And the more issues are coming up. If someone is truly approved, go for the best. For me i thought the appraisal was huge. Meaning somewhere in supporting the buyer, you got to say the older the house is, the more possiblitie there will be issues. That go to the talk between buyer and seller, repairs etc. I guess im saying dont sell yourself and family short. Just give alittle more advise on picking a older house. The trobles you will face. The support will be there, but there might be issues. Shared that information..
It was pretty easy just time consuming.
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Because my home purchase was a private sale and not through a realtor, there were times I felt like I was flying blind through this. I think VUHL could review and find a way to better streamline the process. From start to finish, the entire process was nearly four months, far longer than what I had intended to wait. I also believe that getting switched to another assistant in the middle of the process (first Mike Aldridge, then Charissa Patterson, then Terri Behrens) was inconvenient. That said, not everything was bad. Charissa Patterson was awesome, always there to help and only a phone call away. She really got the ball moving for my home loan.
I can't really say anything horrible, I think the communication can be a little bit better but overall I had a wonderful experience and if I don't live in my house for the rest of my life I would definitely use VA Home Loans agian.
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