It was me and family's first time buying a home. Veterans United really helped with the process and made it smooth.
I would totally give a positive shout out!!! Thank you so very much!!!!!!
Rod Lisburg
From beginning to end, the team at Veterans United Home Loans took me like I was next of kin. They kept me on point and guided me in the right direction. I would recommend them to all veterans that need to buy a home. From the first phone call to the signing at my closing, they were there every step of the way. Thanks guys, you're the best.💞
I couldn't have asked for a better home buying experience from start to finish! The entire team was wonderful. Thank you to everyone!
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Ryan was super helpful and on the ball with reaching out and trying to stay on top of helping so all my utilities would be ready before i moved in. Shelby was wonderful for helping with questions and keeping me on track. Couldnt have been happier then i am to have worked with Daren and his whole team.
Veteran's United made homebuying simple. They broke down the requirements into manageable to-do list as to not overwhelm me and always answered my questions. Kayla Thoenen and her team were fantastic and a joy to work with and I hope everyone had the same experience. I have already recommended Veteran's United to several veterans already and will continue to do so.
Derek, Justine and Sam were very professional and always available to answer our questions. Together they made our home buying experience seamless and easy. We appreciate their hard work and we a happy to have them on our team.
Where to start. I was shopping around for refinance loans to combine a lot of the payments I was making into an easier monthly payment. I checked a lot of the big name companies, rocket, navy federal, veterans united. Alex was initially very responsive and pushed information to me pretty regularly. Once the process got rolling, not so much.
We signed the intent to proceed, paid for the appraisal. That's where everything got a little crossed. I'm not sure if the workload was too much or if the loan officer team was just unfamiliar with the processes, but it was like pulling teeth often to get them to respond to me, missed my first closing date because paperwork wasn't done and got disbursed nearly a week after I was reassured it would be. AFTER closing, it was not nearly impossible, but you had to act like a nagging girlfriend and call repeatedly, or text the team repeatedly, to get half a response, and then you would have to do the legwork to figure out what was going on, what was missed and what needed to happen next, as well as facilitate it. So after nearly a week of contemplating this, here's the breakdown:
1. Initial estimate contained multiple administrative errors, which I requested they be corrected but was assured they were no big deal, including my current active duty status on VA paperwork, which showed me as retired. I still don't know if that's a problem, but I'll likely find out it is in the future.
2. I had to call and schedule my own appraisal, because the appraiser couldn't get ahold of me and was given the wrong number, which I had to call into customer service to correct, and my loan officer and team HAD my number and were texting me on it. As I let the team know my appraisal was scheduled, Paige let me know my appraisal was already in, albeit, the wrong house, but it's something.
3. On top of this, allegedly the paperwork I was sending in was not screened at all as it was getting pushed through to the underwriting. I sent a termite report that was part of an annual inspection, and asked if I would need a WDIR report, and was told they would see if it would work. Didn't hear back about it until it was the last thing preventing me from closing the week before my actual closing date.
4. Again with paperwork, I had to redo a lot of it as they were trying to schedule closing, and have the payoffs set for November 25, which I was told was the buffer since we were originally scheduled to close the week of the 14th, but then had to get a WDIR, then the 21st, and paperwork wasn't done, and finally the 22nd.
5. Once everything was in, asked for final estimate or closing disclosure, which took a few days. The appraisal was about 9,000 short of what the estimate was, but looking at the larger picture, everything working on percentages, wouldn't amount to a $9,000 difference on the back end. On initial appraisal, we would have owed $400 to close, and on the initial CD, we owed $9,000. I was reassured again that there were errors in the paperwork and that wasn't the correct figure, which it wasn't, but I didn't know what changes were made until the day we were supposed to close. And even after repeatedly saying my escrow from my current mortgage already paid out property taxes and homeowners insurance, they were still on there getting paid, $6000 worth, until the day after we closed and they were finally removed, after asking repeatedly for the correction to be made, and not receiving a single reply for days.
6. So once the termite report that held everything up was finally complete, and sent in on the 15th, and got the clear to close on the 17th, and was scheduled for the 21st by Paige. After confirming the closing date and shifting my work schedule around on the 21st, I got a follow on text the next day asking if the 22nd worked, which it did not. Unbeknownst to me at the time, it would have had to work. So we kept the closing date as the 21st, I texted the team, tried to call on Friday to make sure we were good and I didn't have any due outs, since I hadn't seen any paperwork such as a final CD, or any of the title paperwork, no answer.
7. So after being left in the dark for a weekend and hoping everything was good for monday, still did not receive a response of any kind. I actually had to find out we probably weren't good to close when the Notary called me and asked if I had the paperwork, because she did not. Up until an hour before our scheduled closing time, we had no answer for anything. Found out later the closing specialist was waiting for documents from the title company, but never knew any of it. So closing goes on to the next day.
8. Closing paperwork had essentially the same errors as the initial closing estimate, wrong county, wrong duty status on VA paperwork, escrow payments still on there. Actually got a response from Paige saying it would be updated on a new CD the next day, which I had to call/text repeatedly for. Signed the papers regardless because at that point, what else do you do? The nonchalant mentality of nothing is a big deal is astounding.
9. After closing, asked the team for the next steps. Knew about the three day waiting period for refinance, but was again assured funding would occur Friday, and if not then call back Monday. Wouldn't you know it, it's the Friday after Thanksgiving, no ones working, no responses on anything, nothing from the title company. Monday, still nothing, finally got ahold of the team, and got forwarded an email and told essentially, "Hey, we JUST sent the release of funds authorization, so it's not in our court anymore, thanks for your business". This release of funds also, which apparently no one knew, carried a 5 day waiting period at the title company unless they got the title back from the county certified. Here's the kicker though, the title had errors on it too. So after going back and forth with the title company for 3 days, they finally got it back and certified from my correct county.
10. At this point, I'm like, man, nothing else can go wrong, right? Wrong. Title company never received wiring instructions to pay off the original loan. I had to call the company and get them, after sitting on hold for 45 minutes, and forward them to the supervisor in the disbursement department, to have any hope that the funds would get disbursed. My team at VU in the meantime, again, nonchalant, was like, eh, it's fine. Meanwhile, I'm sitting there paying interest on two mortgages simultaneously, not getting anything disbursed.
I can look at the whole picture and say that I can't point to a single thing and know for sure that it was a specific fault of anyone's doing, but I can assume that it all ties to one common theme. I don't like the feeling of not knowing what's happening, or the people that could have eased that were blatantly nowhere to be found. Even after I texted the team with deep disappointment in the entire process, I never heard back again.Overall, I feel like I went to a car dealership and drove away with a lemon. Or the attitude was that we closed, and it's no longer our problem, so hopefully you've prepared for the worst. Knowing what I do now, I should have stuck with my original lender. This wasn't my first time refinancing, as we've done so previously in the past to lower interest rates. The entire process was different, communication was closed loop, there were no questions left unanswered, there was follow through, and there was compromise. And even with the last company, once the rate was locked on the initial estimate, it was again lowered before closing because rates dropped. I didn't even try to bring that up with VU because I didn't want to add anything else to the plate. While I do appreciate the opportunity provided by the team there, I just can't look past the glaring lack of communication, compassion, and miscommunications.
Outstanding Job, the team work was awesome closed 10 days earlier then expected. They even worked around my hectic schedule with few snags along the way. Would definitely recommend to others.
While the staff were all friendly, and seems very professional and for the most part everything went smoothly . I had a specific agenda for doing this refinance . I do believe the amount I was charged for this refinance was way to high. So while I would recommend this company , I would warn them about how expensive it is. I understand I was charged extra for a lower interest rate but even with that it was very expensive .
