This was another great experience. What made my second loan easier than the first loan is that Veterans United Home Loans had all my information from the previous loan so all I had to do is update some info and I was good to go. When negotiating with the sellers, Jon had to provide me with updated approval letters which we had in hand just minutes after each request. This was very helpful because everything was time sensitive during our negotiations.
A first class organization
I thought the underwriter's were getting way to picky. They asked over and over for information they already had. Tony got it done. Thank you VU
We had a very good experience with Veterans united, and would recommend them to our friends.
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Its not a easy process but its worth it
I would recommend everyone looking to purchase a home to give VU the chance to show you what is possible when you work with a team of top notch people. We are very grateful. Thank you very much
Veterans United is a great company with great employees who are always anxious to help through this stressful process. I would recommend Zac Fitzgerald and his assistant Shannon to everyone
Eric and Allison both were excellent as far as helping every step of the way.
Veterans United very early on in the process sent a professional package overnight delivery which outlined the entire process from start to finish. This was my first time applying for a mortgage so terms that I had heard about, such as pre-approval, appraisal, and escrow, were still foreign concepts to me. The package laid out a very easy to follow game plan for the entire adventure and made a daunting task of buying a house seem like it would be accomplished. The professionals at Veterans United answered all of my questions throughout the process and expertly coordinated the complex array of steps so that my dream of buying a house could come true. Yesterday my family closed on our home. Thank You Veterans United!
Veterans United was an absolute pleasure to work with. From start to finish, the whole process was effortless. I highly recommend!
Veterans United made what could have been a very complex process really straight forward. All of the required documents were e-signed and the staff would provide us with templates for any nonstandard request. I would absolutely recommend Veterans United to anybody looking to purchase a home.
Sam's assistant Kendall also kept us informed as to what was going on and the status of the loan, the status of it going to the underwriter and called personally when the underwriter gave clear to close.
I would choose Veterans United simply based on customer service. I would've accepted a higher interest rate just to have the luxury of talking to a real person, getting real advice, and the ease of the process :)
Thanks for everything . An outstanding experience with professional people . I am so very Happy with the whole transaction . ðŸ˜ŽðŸ˜ŽðŸ˜Ž
Very professional with excellent customer service.
Long story short: 5 star service! Give Veterans United Home Loans a try, you have absolutely nothing to loose and they will treat you fairly without a doubt! Best choice I have made in my life in a long time.
Now the long story.
How did I find Veterans United and eventually closed on my first home.
I had about 6-8 months to move out of my current rental residence, and into an apartment. I thought no big deal right? Boy was I wrong. I had been out of the apartment search hunt for around 3 years and had no idea how much the prices has sky rocketed. The credit score requirements go up as well. After being quoted for what I would consider a moderately nice apartment, not too fancy, but not a roach motel, it was around $1000-$2000 a month. That's not even including all of the crazy security fees, cleaning fees, processing fees, and who knows what else fees!
I began to think, I am getting to old for this. I am getting closer to 40 years old, I make decent money, and at these prices, I might as well try to buy a house!
I contacted a handful of major banks, asking about acquiring a Veterans Administration home load, and pretty much all of them wanted my credit score higher, and were generally unhelpful. Some places even said that they do not normally work with VA home loans and tried to steer me into one of their home loan "deals" or some other government type of loan program.
This is not what I wanted and its not what I have earned with my 5 years of great service to this country and my honorable discharge. I really just felt like a number to them or a big opportunity for THEM to make money off of me.
Fast forward, its about 5 months later, still no home loan, I was searching around online one morning and I came across Veterans United Home Loans. Honestly, I was a little skeptical at first. Then I thought, why not fill out their online form with some basic information and see what happens. I had nothing to loose.
I was literally contacted by Ian Reed from VUHL about 15 mins or less after I submitted the online form.
Ian ran a basic credit check, some financial questions, etc., and gave me an estimate of what type of home loan amount that I could qualify for.
Easy as that! He then sent me paperwork in the mail, and also through e-mail. Whatever they send you, all you have to do is get the information they need, send it back (through mail or e-mail), and move on to the next step until you have a new home!
That was the beginning of my awesome journey with VUHL. I swear I felt like their only client that they were working with. They had a team of people working with me that were really nice and thorough.
VUHL works really hard for you, but you also have to work really hard to keep the process going if you want to close a home in less than 2 months. My house closed right around the 45 day mark from the time I submitted an offer with my realtor for a home.
I actually plan on writing a "how-to" guide, from the buyers perspective, on ensuring a smooth and quick process to close on a new home.
Here are some brief tips that I personally have (Of course, always follow your loan officers instructions):
*Know what you are working with in terms of your own credit score. No one's score is perfect, but it will help the process if you know the places you might owe money and get that taken care of right away. Save all of the information on whom you talked to pay the bill, any confirmation numbers, contact numbers, etc. You will need this because closer to closing time, your credit will be checked again by Equifax, and it can take awhile to get "dings" off of your credit report. Having the information of payment will make taking those "dings" off really easy with a phone call or two with VUHL and Equifax.
*Getting information online is faster than getting organizations (IRS, your work, etc.), to mail you the documents that you will need for a home loan.
*I recommend using Google's Gmail and Google's Gdrive or another brand if you like, but having e-mail and an online cloud storage to organize and manage your files, and there will be ALOT of them, was priceless!
*Get your Certificate of Eligibility from the VA/Government before you begin the process with VUHL. You will need it regardless if you choose to stay with them, or use another loan institute.
*Know how to get your work pay stubs, online through your place of employments HR site. Save your paystubs a pdf.
*Know how to get your W2 tax return's online. I use H&R Block, and could pull up and save my returns by the year, to a pdf.
*Get your IRS transcripts from your local IRS federal building in person if it's close enough to you. Sending for them will take a very long time, and they will not release these forms to any other person other than yourself.
*Digitally signing any documents that can be is great!
*If a document cannot be digitally signed because of a law/rule, then has access to a scanner or go to a Kinko's and scan the docs after you sign them. Save them as a pdf, then e-mail to VUHL.
*Save all of your documents as pdf that VUHL sends you through e-mail, which they almost always are anyways, but also the documents that you send them like your tax returns, pay stubs, etc. I would also recommend adopting a naming convention for all of your files that you generate, and then save them to your cloud storage like Gdrive, etc. I used this: jdoe_w2_tax_return_2013.pdf, jdoe_pay_stub_01Jan12.pdf, etc...etc. Whatever works for you, but it makes it really easy to then later, look them up if VUHL has a question or you then need to use that document for another business purpose.
I hope this review helps someone on the fence thinking about using VUHL and best of luck!
Craig, Ian, Jesse, Molly, and the team from VUHL changed my life and the awesome realtor they paired me with Cory Stevens from Berkshire Hathaway was outstanding! I am a very humble guy, and it really touched me how great they treated me.
I now own a great home, and can begin having some stability and control over my living situation and stop being at the mercy of the apartment complex managers and outrageous rates, for very little in return.
I would highly recommend anyone who is interested in getting a VA loan to contact Veterans United first. I called them first and quickly became so satisfied with the process and the information I received from Kaleb on how the process would work that I had no desire to contact anyone else. I at no time in the process had any reason to change my mind. They made the process quite enjoyable unlike other loan experiences I have had in the past.