First time home buyers here on the Big Island, Hilo, HI and the team at Hawaii Veterans United Home Loans made it seem like such a breeze buying a home. Nathan BERNIER and Destiny CARRILLO were both professional and personable, a pleasure to work with. From attending a couple of their seminars under Tony DIAZ, all the way to signing the closing disclosure, my wife and I confided in Veterans United Home Loans because of their shared experiences and hard work. KUDOS to BERNIER and the team, God BLESS!
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The only issue I had was the misunderstanding of paying closing cost. I originally wanted to pay a portion of the closing cost with hopes of bringing down the APR from 4% to something lower. Shawn mentioned that I would be able to do that by just having the funds available in my account prior to closing. At the closing date I followed up with this and I was not able to bring the APR down. The papers would have to be drawn up again and the closing date pushed back. I opted to just keep the 4% but I would appreciate it more if there was more clarity, understanding, and trust in our discussions.
