This is the second time I was concerned because the first time around was stressful and difficult. This experience by far exceeded my expectations - so much so that it felt too simple compared to my last purchase. Alex and her team were a pleasure to work with and I am very thankful for Veterans United and their user friendly platform to streamline the home buying process.
In our endeavor to purchase our first loan, we decided to use Veterans United. I have purchased homes before in my past. My first experience with Veterans United was flawless, pleasant and a beautiful experience. The original representatives we used to conduct our first VA loan made our buying experience happy. There was no haggling, misinformation, or hidden fees. They were straight forward, very informational and included us in the experience in every way. The loan portal was the greatest tool ever. Along with the representatives, they assisted us with finding agents in every city we were looking for a home.They assisted in the transition and start up of our utilities and every service option needed in our transition. Having moved from California to Virginia, he had no clues of Virginia loan laws and applicable necessities we needed to purchase our home. I will say, it was the most pleasant experience I have ever had with a lending institution. The flawless process is what had my Wife, Mei and I use Veterans United for our second loan.When we initiated our second loan, approximately 10 months later, I called Veterans United and choose to speak with Kevin Warren, a loan representative. Kevin took his time and thoroughly provided us all the necessary information we needed and the rigors of the VA loan process. It was his information that actually pushed us to do our second loan and do it again with Veterans United.During the process, Kevin was very attentive of our loan from the beginning. He was very informational and did everything in his power to ensure we received the best options and information for our type of loan. He called regularly to keep us extremely updated in every aspect of our loan.Kevin is an asset to your organization and is an example to how loan representatives should be. We thank Kevin for all the hard work he did to help me and my family. Not only do I recommend using Kevin for a loan process, I actually did recommend Kevin to a friend that is current in a loan process with Veterans United. My family thanks Veterans United and Kevin Warren. At closing, and after the conclusion of closing we received several congratulatory calls from Kevin thanking us for using Veterans United. We also loved the nice gift received from Veterans United. In our loan experienced, we have never felt so welcomed by a loan company and have never had a company show so much appreciation. My Wife and I will and have already recommended Veterans United to our friends. They are currently in the process of purchasing a home and we have heard nothing but rave reviews on their process to date. Thank you so much for our two home loans, you all are the best.Greg Herrington
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I rated my overall experience a 7 because of the issue I will explain regarding the loan officer. 1 point higher than the loan officer raising because things worked out in the end however, if I had to do things all over again I would have either shopped around with different places or waited until a further date to acquire a loan.I rated my loan officer a 6 because in my eyes communication is key. Communication, when buying a house isn’t just speaking with someone but speaking in a clear and concise way. There were two quite irritating issues that transpired through the process. The first was with my initial real estate agent. He informed me, after I asked for a new agent, that he was told that I was looking to buy a house within 90 days. This was far from the truth in terms of home buying and I felt I was pretty up front on my timeline of 30-40 days when discussing this with my loan officer. Eventually I did end up with a motivated real estate agent and things worked out there. But the first agent want very unmotivated due to being on a anniversary vacation with his wife, and he said he informed my loan officer of this but I was unaware. The second issue which should be documented quite well elsewhere came down to securing the loan and proving our income. Prior to starting any type of loan process or anything, I ensured that I asked a very important question regarding my wife’s future income with the US Navy as an officer. We were told that her contract, orders and commissioning documents would suffice. Eventually through a back and forth process with upper management it worked out. However our loan officer kept telling us conflicting information. One minute it was, “we need an LES” to “we need a statement of service” to “everything looks great”. It was a back and forth issue where I felt our loan officer could have halted the process or even got 100% solid information from upper management or whomever it has to be from and relayed only that to us. This caused us a lot of stress while going through an already stressful time with selling our precious house and moving out of our previous house.Our suggestion to the loan officer is to relay pertinent, clear and accurate information. Make sure, double check and make sure again before, during and towards the end of the loan process when it comes to any process with home buying. The difference between 30 days to buy vs 90 days to buy is night and day to close on a house. Additionally, the issues with proving income for a future military member is something Veterans United should have seen a few times. I think that they should definitely have clearly written SOPs on what is and isn’t allowed or what is and isn’t required to prove income for a future service member. This is something that would pop up for multiple reasons when someone may be commissioning that was prior enlisted or in my case, I am a retired service member and my spouse was entering active duty as an O1. I hope that something can be drafted and implemented to help alleviate this from happening to others that may be in a similar situation to ours.
