Thank you for the review. My team and I are so happy for you and your wife. I’m sorry the numbers kept changing. The main cause of this was that we started as a VA loan and come to find out you actually were not VA eligible. That’s when myself and the team had to restructure the loan multiple times to get it to close. It is very difficult getting a borrower to close when they start as a 100% financed loan and no money down to an FHA loan requiring 3.5% down. In addition, and understandably, numbers on your end changed a few times requiring us to adjust ours as well to get it to close. Again, I’m sorry for that, as our only goal was to get you into the home on time and help you achieve your dream of homeownership. It was a team effort from lending, to both buyers and listing agent, and title. We all came together to make sure you closed on time and with only the required minimum investment. We know the process can be hard and stressful but I appreciate how patient you were and quick to respond and provide us required documentation. We wish you nothing but the best and many years of happy memories in your first home!
Thank you so much for taking the time to leave a review. First, I want to say how happy myself and my team are for you and your family for having a new place to call home. I know how stressful the process was since there were so many moving parts and things outside your control. The delay was caused by USDA in which they told us they were wrong and could not close on the loan at 4:10 pm Friday night when closing was that following Monday. At that point all sides had to come together and work as a team to get this to close. Going from a 100% financing loan with no down payment to an FHA loan requiring a down payment is not easy on the buyer for sure, and the lender making it work when it couldn’t before. Once your loan was in processing and underwriting, myself as the loan officer, is more behind the scenes restructuring the loan and going over the changes with you, while my processor is the one sending the updates and takes lead on communicating and gathering new documentation. I know she was in constant communication with you and I’m sorry if I was not as well. I never want to step on my processors toes and possibly cause confusion to you as the buyer. That’s why I would follow up with you on her requests and was in constant communication with your realtor and the listing agent. My goal was to get this to close on time (the extended close date) in which we did. Myself, my team, and your agent, worked 24/7 to get it to close. However I know that pales in comparison to the worry I’m sure you experienced. Again, I apologize if you felt there was a lack in communication. However, I am so happy for you and your family for being able to close and move into your new home. You fought to get here and deserve nothing but happiness. I hope you and your family are able to build beautiful memories in your new home.