Kept me informed the whole way through the process. The steps were very streamed lined and the web site makes it very pain free to get get your loan done. Thanks you all of you that were involved.
John WIggins was another pleasure to work with. He kept me involved with every piece of needed material that the underwrtiers wanted and got it done quick! 10 stars all around for Veterans United, Stephen John and Jenn. Thanks for making my first home buying experience so easy!
I also want to point out that Britney and Kathy were equally amazing. Britney followed up with us several times, and Kathy was helpful and always willing to talk me through things.
Everything OUTSIDE OF VU: The sellers and their agent soured the experience significantly. The sellers and their selling agents didn’t care at all about, well, anything. In fact, we came to eventually believe they were complete assholes. Inconsiderate, unprofessional, negligent, jerks. Read on...
1. They made visits to the property incredibly difficult, and gave our agent Karly a hard time about things every step of the way. This was mostly due to a repeat incident where their door was being reportedly left unlocked / open several times. This made no sense to anyone who was granted access, but they kept claiming it was Karly’s fault, since she’d be the one to let us in, or inspectors, etc. We later attributed all this to a poorly installed door that appeared to lock on the way out the front, but could easily be pushed open. Hm! That’s probably something worth mentioning right there, sellers!! A simple, “you need to pull the door tight as you lock the deadbolt.” This was never mentioned to anyone looking at the property.
2. Due to the door incidents, they banned anyone from any further visits for the month of december. This really pissed me off because I needed to get measurements to order parts for the basement, which I was going to finish for a workspace. So this ban to visit would in turn, set my project planning for the basement studio back weeks, which in turn had a domino effect on my work, and I was not prepared for my return to work in mid january. In all of the years Karly had been an agent, she'd never dealt with a worse selling agent and sellers.
3. Their communication was abysmal, sometimes not even returning calls for a full week, or not returning them at all, or not following through with BASIC things required.
4. No show from sellers or agent at closing. Neither the seller’s agent, or the seller dropped off the keys! What a completely disrespectful thing to do. Not even a call to the closing agency to even tell them they left the keys in a lock box on the door. They didn’t even share the new combination. So Karly, once again, had to call their agent. They didn’t pick up, so Karly left a voicemail. They didn’t call back. They didn’t apologize. They just texted back the code an hour after we closed.
5. The part that pissed me off the most was the fact that the sellers didn’t take their sign down for weeks after we closed. They had 10 days since closing before we even moved in! So after the first week we moved in,, I pulled the sign down, and called Karly to pass the word to the seller’s agent that if they want their sign back, they can contact me directly and I’d let them into the backyard. I get a text from the agent the next day, flat out lying about their sign company coming by the house that week but not seeing it. This jerk couldn’t even apologize, but instead, invented a lie that placed blame on the fact that we pulled the sign down. That might have worked if he hadn’t claimed that happened when the sign was still up in our yard.
When the agent came to pick up the lock box he gave us no warning. He scared the living shit out of my wife and kids when he approached. He never rang the bell either. Just some random guy coming by at 9 pm and standing outside our door. My wife nearly called the cops. I came up from the basement and confronted him as he walked away, which he turned back on his way back to the truck, and said “lockbox.” prick.
This same thing happened again when the “sign company” came to pick up the sign from our backyard. Once again, no doorbell ring initially, just two guys at our driveway gate trying to decide how to get it. WTF?Lastly, Veterans United sold off our loan to a place called newrez. The problem I have with this is that they offer no options to pay the mortgage from different accounts. You can’t even split pay. This means I have to call every month to pay our mortgage, as half comes from my checking, and half from my wife’s. I called them 2 days ago to make a half payment from my checking account. When I called back today, I gave them my wife’s checking account info to pay the other half remaining due this month. The rep tells me that my payment had been applied to principal, and that we still owed half. Fortunately they were able to reverse the payment and apply it to the regular monthly payment. The first agent never told me this on the first call. Will this happen again? I think Veterans United should do some research about which company’s are allowed to bid. Customer service and online experience makes the difference, as those are the only 2 things most people deal with their entire time paying a mortgage. NewRez’s site is bare bones, lacking basic options that most banks have, like using more than one checking account, and making partial payments. And their customer service hadn’t proven trustworthy. Frankly its a pain in the ass to have to call to make these payments each month, but it’s not something I’ll hold against Veterans United. But it’s worth mentioning as it feels as though we’ve been handed off to some random half-assed mortgage firm with negligent customer service.Overall we are happy with our home purchase. But very soured by just about every experience we’ve had outside Veteran’s United.
The whole team and my realtor were amazing and made the process extremely smooth for my first home. Jordan did an excellent job with checking in and providing necessary info. Extremely pleased.
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This was my first time buying a home, I didn't know much about the process or the VA loan, and Veterans United helped with everything needed to get it done. Process was easy, timely, the lending team and realtor they recommended were all helpful and knew what the VA loan has to offer and how to use it. The mortgage I got was a good rate I did not feel I needed to shop around. They help to find other services a homeowner would need even, and explained what they were without pressuring me to buy, some I found other providers for, but Veterans United helped make sure I had everything arranged. I would encourage other veteran homebuyers to explore their options, but know that Veterans United is great to work with and I would use their services again next time I want to use the VA loan to buy a home.
call kyle or geraid they will make it easy as possible
