The loan process was a painstaking one. It took forever and there seemed to be several issues and holdups throughout the whole process. I closed four days later than originally planned due to some last minute glitches. It seems like there should be an easier way to to streamline the process and make it more efficient. Having said that, Brad Cone (my loan officer), was amazing. He kept me informed of what was going on throughout the entire process. From the day I put an offer in until my closing, he was only an email or a phone call away. He helped me through the entire process and did the best that he could from his end to make sure all of my ducks were in a row. He was very professional the whole time, but also made me feel a little more at ease and comfortable with the whole process, especially in that last extremely stressful week. I would absolutely recommend VUHL and especially Brad to my friends and family!
1.Representative available evenings and weekends to answer questions/concerns. It is very difficult to make calls during our duty hours and I don't think many military members are able to take leave enough for homeclosing. It is also very helpful when an agent responds immediately after receiving requested documents. This happened about 50% of the time. 2. I don't understand the need for a letter of explanation for a lot of items. I felt that a lot of information I had to provide could have been easily obtained or researched by a VUHL agent. I am active duty and had to provide too much explanation for things that I'm not even sure why it would seem questionable.
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Let them know sooner if the loan is approved and give a closing date.
Thanks for the help with the loan we appreciate it very much. Without it we would not have been able to buy this place.
