The home buying process can be daunting and overwhelming, but Brad Mendoza and his team at Veteran’s United Home Loans made the process easy to understand. From day one of the loan process, Brad walked us through step by step of the home loan process, answered all questions, gave us updates on the process and ensured we received the best rate. I would highly recommend Brad Mendoza and his team here in the island of Oahu, Hawaii to any veteran that is looking to purchase a home.
My experience with Veterans United was going well, untill the appraisal phase. In an effort to assist Veterans in this phase, Veterans United contacts the appraisal company. As a result, the appraiser documented the road allowing the property easement access as private. This report caused an extended delay in closing. As I was in a rate lock, it had to be extended several times until the road access was resolved. This delay caused me to pay thousands of dollars in closing costs that were not anticipated. Had I not the funds to close, I would have lost my opportunity to receive approval from the VA for the loan. I was extremely disappointed when told that Veterans Untied would not provide any financial assistance for this delay, and rate lock extension fees. In the end, it was discovered that the access road was identified as public in other Veterans United mortgage closings. An addendum by the appraiser to his report, allowed the loan to go to closing. VA loans are a benifit that allows for little or no money down to buy a home. In my case, I felt the closing costs were excessive for a VA loan. Thank you for the opportunity to speak frankly about my experience with Veterans United.
Weiwei and the team were low pressure and excellent. Weiwei helped me secure an interest rate before they went up and was always responsive. She did an excellent job. Kristy and Pat were excellent. Friendly and posted importance deadlines immediately which ultimately saved me money. They are very friendly and my favorite part was that they are low pressure and will contact you as much or as little as you want. They are low pressure but never late to respond or help.
Spencer is awesome. No matter how stressed we were or how many questions, concerns or emails we sent, he has been right there letting us know and keeping us informed through the whole process. He was in the mainland and still emailing or calling us when we needed more information. He made sure he was available to us when we needed it. He kept keeping us updated whether it’s the underwriting, getting us the numbers, or letting us know what we need to do when we need to submit things. Even when we were first looking for a lender, he kept calling or checking in which is why we picked him. He was friendly, patient and always reassured us that it’s okay. We got into our forever home thanks to him and his team. The process felt long but it was quite fast. We can’t thank him enough for all he did. He made our goal into reality.
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