Elizabeth was overall fantastic to work with - This was about a 15 month process and she spent a TON of time getting us a pre-approval for the build, and then working with us closely.
However, it was apparent that several lenders wanted this loan for what I presume was the size of it and credit that I have. I had other competitive offers and Elizabeth did her best to assure me that VU would make modifications if the market shifted to keep VU competitive.
Although she worked very hard to get VU to give more credits, for which I am very thankful for, it was not enough to counter the rates I could have gotten with float down options that were offered to me. Additionally I was promised over writing that VU would cover extension costs and at the end of the day when they were needed, the costs were hidden until I found them and then told that VU wouldn't pay for them. These subtle things made me lose trust in VU and I am not confident that I got the best deal here. Ultimately I am going to refinance when allowed, and will not be using VU going forward.
Response from Veterans United
Justin, we appreciate your feedback and are happy we could help you secure the financing needed. Even during the extended process of a new construction home purchase, VU ensures updated disclosures, explaining any rates and fees, are disclosed in a timely fashion. A member of our Client Advocate Management team will gladly discuss any questions you have regarding your disclosures. Please contact us for further assistance.
My first loan officer and realtor would periodically check in with me over the year, as I was house hunting. I had to request a loan officer change once I found the home I wanted, as I wasn't able to get answers as quickly as I needed. Once I was teamed up with DeAnna the process was smooth sailing and I never was left in the dark.
The team at veterans United did a phenomenal job and I would highly recommend going to them if it’s your first time buying a home. They kept us in check with structured checklists and we’re always available when we had questions. We had the pleasure of having Jamie as our loan officer. Thank you all again.
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We have had such a wonderful experience with VU and the whole team in Clarksville. As first time home buyers there was a lot we didn't know and understand so working with a loan officer that answered every single question we had along the way while making sure we knew and understood the bigger picture was key. We are so thankful to have had a successful experience with VU and appreciate all of the communication from the office and loan officer directly. We always felt prioritized and more than just a case on the desk!! We are truly so excited for this experience and are thankful to VU for it being such a positive and simple one!
