Veterans united set themselves aside from the rest. I had been quoting different mortage companies, and was taking a day to decide. Then the mail came and veterans united sent me a pair of socks with my welcome packet. (I had not received a welcome packet from any other lender) there was a catchy line printed on them. I sold at that point. Not to mention it was the lowest interest rate among 5 other well known mortgage lenders. My loan officer worked with me on some very unique issues. She was very creative and helpful. We stuck together whenever we came across a bump in the road. In the end, my family has a beautiful home we are so thankful for. I would definitely recommend veterans united!
The experience was very good. A lot had changed since the last time we purchased a home. VU made the application process much easier than we thought.
I had a great experience with VU.
Nice site for easy administration
Everyone on Andrew Beckett's team was very easy to work with and had a lot of patience
when things went haywire on the part of our buyer.
I would recommend going through Veterans United but I would caution people to seek out their own realtor.
Availability of team members to me was exceptional
Veterans United was the BEST choice for us and we are so happy to have found them.
Tyler is very understanding and patient. He’s like a big Lab. You can basically freak out and he will stay on course, professional and won’t take it personally.
I was a first time home buyer. the whole team helped me through the whole process with no problems. definite 2 thumbs up for Kath and her team.
For the better part they were readily available to resolving issues. They are on top of things and kept me informed. Thank you.
Not enough feedback or touching based in between long lapse of time leaving customer wondering whats going? are they scammers? The web account should not replace customer service and communication.
Response from Veterans United
Carmen, we agree that continued communication is important during a home approval process. There are times during the loan approval where there is no action needed from the Veteran, but our goal is to prepare you for those times so you aren't feeling left in the dark. We appreciate this reminder to continually let our Veterans know what is going on, even if there is no change to report.
Closing date moved due to title work was late. Told lateness due to title company issues. Better followup by Veterans should have caught issue before the day before closing.
Everything went very smooth except for the appraisal. I feel the VA needs to seriously look into the people thy have doing appraisals. Not to mention their fees are higher than normal. When I had a VA loan 2 years ago the appraisal was $350, now the fee is $500.
Talk about some increase in fees.
Worst ever experience with a mortgage company – This is not an opinion. It is an objective assessment. We’ve bought six homes and sold five. We’ve dealt with many mortgage companies in this process. We’ve never had a fail to close on time! More amazing, we had more money, lower debt, better credit scores, and more time than any other previous purchase! Yet, closing came 10 days late, despite more than two months to get the job done.Good, steady work/communication throughout the process eliminates much of the need for last minute heroics. That appears to be what is most needed here.
What were some of the problems? The greatest was clearly communication.Here’s one that took about one and a half months to correct.Shay – “The underwriters don’t like the way the document looks.” The problem was the need to change an incorrect address on the hold harmless statement. This emphasis on the look of the document failed to deal with the real problem – the wrong address. This came even after I reported I had simply uploaded the same form from the company website, since it viewed and printed legibly.Another problem as communication concerning credit agency files.
Shay –“You need to unlock Shannon’s Experian credit file.” Me - Are you sure? We’ve unlocked it several times. Shay – “ No, I’m being told that’s it.” No less than three weeks to get a straight answer after e-mailing her supervisor.
Related direct quote from e-mail -- “Experian, which I was told was the problem, reports accounts for both Shannon and I. I opened mine for a month and Shannon removed all holds and freezes from her's completely (both via phone calls last week). However, Shay reports they are both closed. I know she gets her info from others, which is why I'm reaching out to you two. You can actually look at the accounts directly and let me know what needs to be done.
Along that line, I'm also concerned there may be other accounts that have since closed that you may still need. I only opened the other agency accounts for a month and that was in August. “Shay – The delay is the fault of the inspector. The inspector acted as soon as he was given the case. I spoke with him personally. He also turned in his report as soon as he was able to connect with the owners. Turn time was approximately a week. The delay came from her earlier failures.”
Me Anything else that needs work? “Well, there might be a need to deal with the credit freeze at Equifax. Approximately 2-3 weeks later, after missing the established closing, I’m asked to contact someone about something – presumably about this Equifax – because she “hadn’t been able to get a hold of me.” I had no texts, no e-mails (even in spam folder), and no voice mails. Not particularly diligent effort if there was any effort put forth at all. Again, this came after the final CD was sent for us to sign.Apparently, the underwriter struggled with his/her role as well.After missing the established closing, despite 2 ½ months lead time, and a CD was sent, the underwriters returned to want personal property eliminated from the sales contract. I was told by Zach that this was company and there was a dedicated underwriter. If so, how could a competent operation miss this until after closing, especially given it was in the top 1/3 of the first page in section 1.a.?Uncommunicated changes from Zach were also disconcerting.Although it may well have been an effort to help, I have to admit that changing the terms of the contract to deal with VA secondary entitlement issues without communicating what was being done made me question all further actions.There were also communication problems with others that seemed to go beyond the specific loan team for this effort. For example, I spoke with the company doing closing. They were still lacking basic information from Veterans United only two days before closing. The rep there asked me to ask Veterans United to share info, since they hadn’t returned her calls. The closing company continued to report no response to calls and e-mails.One bright spot was Sean. Given his changing status and leave, I had very little dealing with him. However, his efforts in the few days at the beginning and end of this process were exemplary.
Response from Veterans United
Brett, thank you for that detailed feedback. It will help us to focus on the needed areas of improvement when reviewing your file. If you do have any additional information to provide, please contact our Client Advocate team. We truly appreciate you taking the time to help us improve our service for Veterans.