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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.
The list goes on....Kayle deserves a shout out as much as any! I had issues with my smart phone, she assisted....I had good, and dumb questions....she was there, ready to answer the call. The final days, as closing approached....I sensed that I had EXACTLY the right type of people on my side! Low and behold....everything went off without a hitch. Has able to close a couple days early....and once you all heard that was my wish, you flexed and we made it happen! Now, the Huber's a safe and sound, in our new home...happy that we chose Veteran's United! Thank you all so much for doing what you do, the way you do it. Many don't buy houses everyday, so the personal care and support you showed really helped out one of the people! Much, much appreciated!Most sincerely,John and Tjuana Huber
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Melissa was amazing. She was responsive to answering our questions in a timely manner. She communicated well and was super informative. She gave us several options and educated us on our loan options. Melissa was great! However, I did attempt to reach out to Rachel towards the end of the home buying process, and found she was not responsive in answering my questions and concerns. Overall, our process was stress-free and went smoothly. I would highly recommend to any military families. Thank you!
