Veterans United really worked for us to get the right home, good financing and the best support to close on our home.
Got me In the house of my dreams early and willing to help every step of the way
My overall experience was great. The process moved along quicker than I thought and and there was always someone available if any last minute questions came up. I would recommend them to any service member or veteran!
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Andrew and his team really went above and beyond! We never could have imagined it to be so easy to get a home loan. From the initial phone call, to the last day at closing it has been such a smooth and stress free experience! Keep up the excellent work, and again thank you for helping us get into our home!!
Please dont use this company. We have been through it 45 days with them. Glad its done. Thumbs down for this War Vetran. Find a local bank or company in your home town. Will be easier to deal with.
The process was smooth in that I was told up front everything I needed to provide and you did just about all the work. It is hard when unforeseen things occur like the tax transcripts which took longer than usual but we worked together and it worked it self out. Brian was friendly and personable and a pleasure to speak with. I got very worried towards the end when I wasn't hearing anything but it worked out lovely at the end. I will definitely recommend friends.
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I cannot see utilizing a lender other then Veterans United. We have now had two seamless experiences with VU, Max Carratura and his team. You all have figured out the formula for guiding veterans towards home ownership, and a few of the ingredients in that formula are impeccable customer service, excellent communication, resource provider and efficient processing.
If you chose to go with Veterans United, you've chosen correctly. If you want the best with VU, request Ross Pierson. He has my highest endorsement. He's efficient, confident and provides the level of Customer Service that makes this stressful event painless.
LtCol Joe Lopez
Matt Lucas and Samantha Walker were great throughout our entire loan experience!! They were available every time we had a question and put things into words we could understand. I would definitely recommend them and Veterans United for a Home Loan!!
We used VU for our first house about two years ago and as first time home buyers were fairly happy with VU given that everything seemed to go smoothly and we closed on time and didn't run into any issues during the 30 day closing process.
Our experience the second time around was the complete opposite! When thinking about purchase a second home (we relocated on short notice for work and thought it easier to rent out our first home rather than deal with selling it from a distance) we contacted VU to ask about remaining VA entitlement. The loan specialist (who I had worked with on our first home) informed me that I had enough remaining entitlement to cover a home in the price range we were looking at. We began looking and after missing out on a few we finally found the right one and made an offer that was accepted. We got our pre-approval, paid our earnest money, paid for the inspection, had the appraisal set up, and decided on a 60 day closing to give us time to get out of our rental we were in. Weeks into the process I got a call from our loan officer saying that she had made a mistake and miscalculated my VA entitlement and I in fact did not have enough left to come close to covering the home in which we were already moving forward on. She said we could do an FHA loan but we would need to come up with about $9k for the down payment and an additional $3k - $4k for closing costs. She then told us that we always had the option of backing out of the purchase and VU would simply reimburse us the earnest money and / or we could look for another lender.
Fearful of losing the house that we had had our hears set on I told her that given that this mistake went unnoticed for weeks after we had already invested financially and emotionally in this home and now if we wanted it we would have to find a way to come up with $11k that it wasn't unrealistic to expect VU to cover the cost of closing, since it was their mistake that led to this. I should also note that had we known this from the beginning we would not have started looking to purchase a home at this time until we were able to save up to cover costs like that, but we were told from the beginning that we would be able to use my VA entitlement. VU's response was that they would not cover closing (they would waiver their fee of 1% charged at closing) and if we weren't happy with that we could back out of the purchase or look for another lender.
Frankly, this was not the type of response I expected from a company that claims their whole business is built around working with veterans and providing them excellent customer service and satisfaction. Had I known at the time that there was still plenty of time to find another lender and not lose the house, I would have done that but not knowing that I swallowed my pride and resolved to find a way to make it work to make my family happy. Had this been the only issue my experience overall may not have been completely negative. However, when we had multiple instances of VU requesting the same documents over and over which again may not have been that big of an issue, but, when we have a 60 day closing (double the normal amount of time for an average closing) I wouldn't expect to be getting messages from VU in the weeks and even days leading up to our closing saying that we need to provide them more documentation or we wouldn't be able to close. The prime example of this being an email and call at 5pm 4 days prior to our closing stating that VU needs more documents (including a statement from a closed out 401k account from a previous employer) and needs them in the next 30 minutes or our paperwork will be kicked out of underwriting and we wont be able to close on time. The reason behind this, the title company had just sent them documents for closing so it was out of their hands, despite the fact that VU had had the title companies information from the very beginning and had not reached out to check on the status of the documents until just that day!
Finally, the estimated closing costs that we received from VU were under by $1,500, despite, yet again, VU telling us when we asked for the estimate that the costs would not very much more than possibly a couple hundred dollars. There is even more to this situation that I found out while speaking with the attorney at closing that VU could have done to correct for this but at this point I'm sure most people have stopped reading anyways. Long and short, while the staff I worked with were always kind and professional, in no shape or way did they come close to providing satisfactory service. I will refinancing both loans shortly with another vendor as a result.
I was happy with loan process up to the point of closing. we had to schedule 3 different times. They put my deceased wife on the first mortgage contract, left my wife off the second contact, but got it right the third time. Also the closing funds change from one day to the next.
Everyone at Veteran United Home Loans were simply wonderful. We completed the re-financing process with zero stress or hassle! What a great Team of People.
Also would like to point out that Gina Overshiner was very cordial and professional as well. Has a great ability to connect with customers. She made the home buying experience more enjoyable and less like a burden. She was very patient and helpful when I was given a list of things to accomplish. This lady deserves 5 gold stars and a raise !!!
iT WAS A PLEASEURE WORKING WITH THE ENTIRE TEAM. EVERYTHING WAS SMOOTH AND NO WOORIES. THERE WAS CONSTANT COMMUNICATION
If they are LUCKY enough to get Samantha Stevens as their handler or processor for their loan, then they are in good hands.