Make sure they know exactly what will be needed up front when the process starts. Have an understanding with the applicants that sometimes their answers to questions from underwriting will not always be accepted. The process takes entirely to long, and applicants and sellers are left wondering if the closing is really going to happen! There is too much "nit picking" on some of the investigation. You are made to feel sometime like you are a criminal. NOT BY THE LOAN OFFICERS, but by the UNDERWRITERS. Sometimes I wondered if the other people had done some of the things that they were questioning us about to come up with some of the silly question or the need for 3 or 4 explanations to the same question. Really, really frustrating to people that are already in a situation trying to buy a home.
As a First Time Home Buyer I was not informed of all the steps and procedures that were going to take affect. Had I known what documents and paperwork were going to be needed in advance, I could have had them ready to go sooner. At times I felt like I was being rushed to get things Faxed to in VAU. I also believe when you send and receive correspondence through PDF that someone should figure out how it can be "Edited" by the customer you are dealing with rather than printing, signing and then faxing back. If I hadn't been able to use my work fax machine, what would have been my other option? Speaking with my Loan Officer, he mentioned of a Flow chart that he follows. Would be nice if the Customer could see that also.
Great experience throughout the entire process. Only had one small obstacle to deal with and that was the realtor that we were assigned. I'm sure to a family not in a hurry to buy she would of been great. It would take her sometimes two days to return an email. Other than that I would recommend my team highly to anyone
Better communication on details to the consumer of out of pocket cost if any in a timely manner before closing the deal !
VUHL did a phenomenal job throughout my home loan process. I recommend requesting tax return transcripts early in the process to prevent closing delays since transcripts may take several business days to be provided.
Better hours of operation
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Need the ability to monitor loan progress better.
I feel that Charles Kruse did a very good job helping me the only problem I had was that phone call and messages were not always returned.
Everyone was quite helpful...even though we were quite a distance apart. Courteous. but strong in obtaining things that were needed to complete my getting a fine home for my family and I. All persons involved were just FANTASTIC ! Especially Ginny Young....GOD BLESS you all !
I think you should know the requirements of the under writers better, to prevent the constant back and forth of information gathering, which wastes a lot of time.
A few more follow ups with the closing coordinator would have been nice.
I was extremely happy with my experience with VUHL. The only difficulty I encountered was the inability to set a closing date ahead of time. This left me with no opportunity to plan ahead and ensure that I was adequately prepared for my move. I am quite sure that this is also partially due to my builders, but it still would have been nice to have a date set, even if it was set further ahead just in order to allow me to plan. Over all, however, I am so grateful for all the help and for the opportunity to own my own home again.
Provide more information about additional veterans benifits and opertunities for first time home buyers.
Idk
Keep working close with your customers.....we love updates and to be in the loop. :-)
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Allow for the need to set-up utilities prior to home closing and account for those service providers who perform credit checks and the impact that has (credit alerts) on the loan application process.
The process was very professional and we are completely satisfied with the service we received.The Loan Officer Katie Hayes worked very hard to help us qualify and receive the loan. We can never thank her enough for the time and effort she provided.God Bless America
I don't know of anything that Aaron Foster could do to improve on in order to better serve his clients. He was excellent.
There was no improvement needed.
When asking for paperwork to be sent, make sure the most updated copy has not already been received. On a couple occasions during closing I was asked to send paperwork that was already sent a day or two prior. Other than that the experience was enjoyable and if we ever buy a house again we will be using Veteran's United.
