Trish and Kristy were amazing! They were always there to help and took time to go over all the paperwork to ensure we understood what exactly we were signing. They were very kind and even sent a special gift when our entire family caught the flu for an entire week. They were very generous and made our loan process go very smoothly. My husband and I will definitely recommend them to friends and family.
The first part seemed great, they sad they could get me a VA loan with nothing down and a great rate. I explained that I had never applied for a VA loan and was not sure I was eligible. They said if I was in the military I was eligible. Unconvinced, I told the VU representative that we were in the market for a second home and that our primary residence would continue to be our current residence in another state. The VU rep said that was not a problem and that we would still be eligible for the VA loan. I was skeptical and applied with a second mortgage company to get preapproved for a conventional loan before searching for a house. Both VU(Veterans United) and the other lender came back almost immediately after checking our credit and income with approvals. We began the house search and the process continued. Almost on a weekly basis new requirements came up from the underwriters resulting in many hours of research and distractions from the house hunting task. After several weeks of home searching and seemingly endless requests for IRS transcripts and bank statements and IRA statements and a copy of my DD214, we were informed, as I suspected all along, we were told that we were not eligible for the VA loan and would have to go conventional. At that point, I was ready to switch to the other lender but my wife and our real estate agent convinced me to stick with VU instead of starting midstream with the second lender.
