I wasn't locked in on the interest rate I asked for, first and foremost, and not closing on time due to no fault of mine, cost me a lot of money, I couldn't with good conscious, recommend Veterans Home Loan to anyone......................................................................................................................................................
Get rid of Jill.
Ensure the real estate agents recommended are good.
Communicate with each other at vuhl and return calls to the customer promptly. Get all info that needs to be fixed from the underwriter at one time.
Take the time to read the paperwork that is asked for to make sure everything is in order, so there are no last minutes lawyers visits at $250.00 an hour, and trying to get the court systems to move fast at the last minute.
Communication needs to be better. Underwriting needs to care more about the individual and not just a loan packet. Finding out in little pieces what is needed does not help the customer. A lengthy conversation where what the requirements are for the individual to make the loan a reality need to take place. Most people are not familiar with all the rules and regulations. Hard numbers and facts need to be obtained. I found out most in research on my own out of pure frustration. A clear and concie message of what is needed and why needs to be given to the individual applying. Don't generalize and don't give false hope of an issue being resolved only to bring it up later. There is to much " I need (x) " with no real reason given behind way other than its needed to verify number. Explain the numbers, explain the residual income requirement, what the persons number that they have to reach is and how things factor into that number. It takes more time but it gives piece of mind and helps the individual to better understand the process and not feel like a monkey doing tricks for your amusement.
