As a General Manager of a Combo Funeral Home and Cemetery, I have an understanding of the necessity that any and all paperwork concerning the remains and disposition of a human being are scrutinized by the FTC, State Boards for Funeral Directors and Embalmers, Cemetery Regulatory Boards, etc...knowing that mistakes are not acceptable at any level, however, a great deal of the questions and criteria required by the underwriters was questionable at best. One point that may need to be addressed in the future is the demand on getting an ex-spouse to provide their refinancing of a home when there is no question conerning the applicant having no responsibility for the property or loan concerning the house of the previous marriage. Those documents were none of our business as man and wife from her ex-spouse, especially since the divorce decree had ably stated that she had nothing to do with the property of the ex and other explanations that supported the same. Thankfully, the ex-spouse and my wife had an amicable parting of the ways and he agreed to giving us and the underwriters a copy that had nothing to do with our loan, in our opinion. The goings on between the underwriters and the whole process was very tedious and tiring at times, giving us one day the thumbs up and thenout of the blue another question arose and bam, on hold, like a yo-yo our emotions were yanked up and down. All in all we are so appreciative for your assistance in obtaining this house. It has been a dream of mine for years to own such a property (With A POOL). Even with the ups and downs, we would hope we could use you again if the need ever arose again. so much for the complaining, now for a way to make it easier or less stressful. Instead of not being able to answer questions from the underwriters without going through a group of people, maybe some direct communications with the underwriters and a better explanation of what information is needed. We complied with everything that was aske
Everything was great.
From what I see you have a very good process.
Hard copy forms to and place in initial folder for client to fill out once --My final approval and closing was placed in limbo because this or that form had to be e-mailed or faxed and things get lost--Everyone's case is surely unique and different but mine was tied to and endless trail of "Letters of Explanation(s)" to satisfy the Underwriter--Water under the bridge but I'm glad glad the process is over
I actually can't think of anything that needs improvement as far as Verterans United is concerned. Both Blake and Tyler did a great job keeping us informed as to what was needed to keep the loan process on track as well as asnwering every question in record time, leaving us feeling at extreme ease throughout this whole process. Thank you Blake and Tyler for all your hard work and attention to detail, you two are a great asset to Verterans United.
No improvements needed.
Lower interest ratesloeet interest rates
Nothing I can think of at this time.
Stop the last minute paperwork and needs. We were traveling for days to get to our new home and had no access to anything (paper work, fax and limited email) and yet were still getting calls for things to be found and faxed and conference calls to be made at the last minute. Also, I feel all the duplicate paperwork was unnecessary; we sent the same papers and forms over numerous times.
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The amount of paperwork is astounding, at least that's what the closing attorney said
