Would be nice to be told in advance before someone makes the decision to commit to get the loan by being informed of all the fees up front.
The fact after I went into a contract knowing a little to nothing of how much I would need for all the services is a huge let down. The word “estimate” is used a lot and honestly I feel like it’s very “lazy” to use that word freely to lock someone into a binding contract. All lenders should definitely explain up front the costs of everything. Yeah, it may scare some of your customers away but in the end with how much the Underwriters scrutinize every details of someone’s personal life you’re bound to lose customers due to their lifestyles, habits, or past history in life from those guys.
I am the kind of guy that doesn’t like my money to be played with or taken advantage of and I am not saying that happened to me. Though at the end of everything, you knew how much everything is going to cost for the most part with the fees and titles going out to everyone, so that information should’ve been told up front because you do this everyday. I express that this definitely should be done especially for first time buyers. Maybe not so much for someone who has been through the process a few times. I was still spending money freely thinking that closing costs were only going to be 3-4 thousand after I put up $2k and the seller put up $4k. I didn’t know that it would come out to be about $19k or more and with whatever wish-wash things occurred I was down to $7k in the end cool but interesting, frustrating, and confusing all at the same time. For someone who is halfway across the world as a “First Time Buyer”trying to purchase a new home, I was lost reading that paperwork, which should be address up front with home much those things will cost.The app is amazing, I will agree to that and was easy to work with 99% of the time. Though, there was one flaw with it. Once you view a “To-Do” and accidentally X out of it, well SOL can’t go back in a review if that To-Do was a look or review on something. Anything requiring signatures, yes, definitely that one is available to go back into and continue or reread anything. Four different occasions I viewed something and read the warm welcome letter from the Team and as scrolled down to view all the documents, the phone/app just zips out and I hit something by accident and bye-bye documents. I get the green check ✅ that all is complete and I have no idea what those documents entailed.Other than those things, Tonya’s team was excellent, amazing and fierce at the hard work they did for me and for that I am super happy with everything in the end! I was a pleasure to work with them and thank you again!
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Veterans United Loans was very good regarding information and service to the customer.
However, the Veterans United Insurance section needs instruction regarding the importance of returning telephone calls from the customer and/or just a follow-up contact as to inquiring if the customer has any questions. It was a toss-up whether to go with Veterans United Insurance or Armed Forces Insurance (AFI). I went with Veterans United primarily due to cost. Once I made that decision, the Veterans Untied Insurance associate failed to return my call and I never heard from him again (commission made--now move on to the next customer). However, the AFI associate continued to make contact with me as to how she could have improved her service. There was nothing wrong with her customer service, AFI was simply a bit more expensive than Veterans United, but her customer service surpasses that of Veterans United. I have waited for the dust to settle regarding the closing of the house, in order to re-evaluate my Home Insurance selection. Even though the AFI cost is more, I now find myself trusting their insurance associates more than Veterans United. I will probably terminate Veterans Insurance and pay the extra cost for the trust I have in the AFI insurance associates.
We are very happy with the level of service we received from the beginning! Beth called me the next day after I filled out a form for information on VU mortgages. We stayed with VU through to the end!
Originally was only curious about the home buying process — but it quickly evolved into buying one! Who knew it was so easy?!
