Make sure you ask you client when drawing up the mortgage papers how they would like their name to appear on the mortgage. So when they go to closing they are able to sign their name the same way they regularly sign.
My main concern was the closing cost, I understand it was not all up to them. But I had no idea how much i would need to bring to the table. Besides that, all my concerns and questions were answered promplty and with complete accuracy. I was really impressed with the professionalism from Mr. Lucas and the members of his office.
Were always on target.
They can't improve already really good.
Make your program more well know. It's been an amazing experience and I can't imagine buying a home being any smoother especially with the agent I received. Make a commercial to get the word out. If you need a success story I have one you can use.
Hire loan officers who can the job done on time.
I was completly satisified with how things went.I don't think you could improve on the experiance we had.
We have a few instances in which we sent paperwork a week in advance and at the last minute we got notice that we need additional paperwork at the 9th hour or the last minute and we had to rush to get additional paperwork. Some times we did not get clear instructions from assistance loan officer. I felt like we were chasing him at times.
Not sure you guys was on point! No change recommended.
I can't really think of a thing. All my questions were answered in a timely frame. They were very clear about all of the paper work.
All we can say is that you get the job done. Our loan officer, Casey Martin, was terrific! We had a low appraisal and had to go to another loan company. They jerked us around for a few months and our appraisal expired. We had another one done and it was much higher, but they jerked us around a few more months. We finally came back to VUHL and Casey Martin again. He got the job done. We are very pleased. Thank you for a job well done. Harold and Jan
Process was easy- no complaints
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Maybe explain all of the closing costs at the beginning instead of just giving a closing cost number. i would have liked to know where these costs were from when I started and didn't really understand what they were until the end.
I would recommend more strongly if all the paperwork were explained further; more in detail. We had closed last week, January 23rd; thinking that everything was good, there was still yet another document that needed to be signed. Granted it was because of a shared driveway, this should have been explained prior to closing. Overall, our representative was extremely professional and very prompt when answering questions. I am very happy with everything.
The time was lengthy however I did understand why there were several delays in the process. I also understood that the laws in home loans are more strengent and require much more paperwork
I think they did great. Very easy process.
We were getting a refi on a loan that was financed just 2 years ago. I feel that the process took a very long time to get to underwriting. We both have 800+ credit scores,owe very little on a townhouse we own and VU was determined to try to get info on the townhouse from the mortgage holder bank that was not cooperative in them first loan process. I feel this caused the refi to take a very long time to close.
Loan Processing is slow or inadequate. sent the same documents numerous times and was repeatedly asked to provide them again for example my previous HUD statement was requested 4 separate times.We also submitted documentation of my wife's employment. we submitted the monthly advise of payment, then we were requested to send the W-2s , then requested to send the tax returns. If this is the type of info that is needed then it should have been requested long time prior to Processing. During all of this we were Packing for the move and document had been put away. While I understand that some of these documents are needed the Loan officer should request them from the potential customer a long time prior to this going to the processing department. Lastly, the loan documentation that we finally signed, was just barely done in time. had it not been for the fact that the title company stayed late and waited for these documents, this loan would not have been closed on time.
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You need to call the buyer when paperwork is needed quickly. Some people don't look at their email often for a quick turnaround on important paperwork
I thought the service was great. I cant think of anything to make it better.
cut the red tape
One improve would be to hand out or have every loan officer a copy of which states need termite inspections and which ones don't because I know I don't want to be asked 20 different times along with my Realtor asked 20 different times when we are going to get it done.
At the moment I don't see any area that needs improvement. The process was thorough, precise, and accurate.
just make sure you do not fall victim to the Wall Street and Congressional Lobbyists and Financial Market Thugs circa 2007....and become a part of the recruiting poster for all of the branches of the United States Armed Forces.
Much of the scrutinizing done by the underwriter seems nit-picky and useless. Having to write letters of explanation for every minor account fluctuation seemed too much.
