It took a very long time to complete all of the tasks required. Calls and emails could be answered more promptly. Tasks could be grouped together up front so they could all be taken care of at once to speed up the process.
I would suggest a little better coordination with the underwriters. I was under the impression that a small job gap would not be an issue with the loan when it turned out to be a major issue.
I began speaking with one rep and was passed on to another. In the end I worked with four people not counting customer service reps. There was little communication within the organization from those who where representing me in the bank and a lot of the information needed from me was asked for multiple times. There was little communication among the four people talking to me as well. Finally at closing there was still a communication issue with my cost and after closing I felt very upset with the offers I was getting after closing. I wanted to wait and do this survey when I had better formed my opinion but my intent is to write to the Marine Times about my issues with this bank and hope that other Marines do not use this service. After a few years I intend on maybe refinancing if I can find a better deal.
Better explanation of the loan process and expectations following closing would be a good place to start. There were items not disclosed at closing, unhappy with the increase in the interest rate, and the fact that our closing was held up because the over-site of our loan officer.
The only recommendation i would have is when dealing with a New Home Buyer to ensure that the parties involved has an understanding of ESCROWand what is required for escrow, this is the amount of funds that will be required to bring to the closing including any other monies needed, other than that the expereance was very intuitive.
