Veterans United Home Loans
reviews and complaints

Veterans United was great through the financing purchase. However, their customer service department has been horrendous. It's so bad it seems as though they have to be actually trying to defraud me. First, I sent them a payment electronically through my bank. *** said they never received it. I went to my bank and they provided the cancelled check copy. I then sent that in to *** as instructed. They said it would take 7-8 days to process. After that time it still showed as unpaid. I called them back. They said I needed to send them the cancelled check, which I had already done. I asked them if it mattered what email I sent it from, and they said it did. They had only looked at the email they had on file. Why didn't they say that to begin with! They found it under the email that wasn't on file after I told them what it was. I sent it again nonetheless, and again wait 7-8 days. It still showed up unpaid. I called them again, they said I needed to send the cancelled check...***! I again had to tell them I had sent it. This whole process happened again one more time before it got resolved. Each *** customer service rep said they would personally call me back...none did. Twice they asked me to pay the payment they had already deducted out of my account over the phone with a credit card...so pay them twice for the month.Now after everything got cleared up I set up autopay to avoid any more mishaps. My payment is due on the 3rd through autopay. Come the 3rd of the very next month from the previous fiasco, there was no withdrawal from checking. I again call customer service and they tell me it takes 3-5 days to process. After five days it shows as paid. I go into my checking account about a week later and nothing has been deducted and now on the *** website it shows up as overdue...and oh, it shows autopay as having never been set up even though the customer service rep conformed it over the phone...inept or are trying to cheat veterans!

Working with Veterans United is the best decision I made to buy my new home. Their team of professionals are some of the best people you could ever work with because buying a home is one of the most stress inducing events in most people's lives. The *** Team had open communication and offered multiple ways to contact them - I always heard back from someone in less than 12 hours for my inquiries. Their patience, kindness and compassion showed that there are actual humans behind the process and not just folks trying to get a sale or get your money. They want not only your business but also your satisfaction because they didn't want to add to the pain of the home buying process. As a Service Member, having loan officers that are familiar with the VA home loan is always a plus as not all companies are comfortable navigating that procedure. The my*** site was an amazing portal that gathered all your information and walked you through step by step of where you were in the process and what needed to be completed. If you had a question that initially was not on that list, the team would review your inquiry and make it a "to-do" with details - a truly great experience. It also had all the contact information for your loan team in one place, so there was no need to dig through multiple emails to try and find a contact. Any time you got a new "to-do", it was followed up with an email so you didn't have to log in daily just to see where you were. The Concierge recommendations were tailored for your specific home and reflected what was actually in your area - it was a great service that elevated the home loan experience. I can't stress how easy this was. Even after our first home had an issue that required us to back out of the contract, all the information was updated and reflected on our new home with no break in service. my*** updated the address an my*** updated the address and the conversations continued as if we were in the new house all along - super painless!

Veterans United, Should change their motto to " Working our hardest to treat Vets the worst."My journey with them started with a purchase attempt on a house that was not widespread listed,just before the seller's market blew up last summer ( 2021) pairing me with a realtor that took the charge while on vacation. Violating the rules of realtors by-laws, has informed to me by other realtors. She finally shows up, the house already sold. And proceeds to constantly suggest houses that were above my approval amount. Time running out to depart the old homestead ( my father had died suddenly a few months prior I was in home care for him) I was forced to switch to paying off his debt and go the way of a refinance. That was Oct 21, Then *** happened, The loan team vanished but 1, who constantly tried to push his duties on me the client, always wanting me to reach out to lawyers, inspectors etc. Constantly having to change the closing dates. Thanks to the Underwriters with their knickpicking ways. Primary one, They ask for temp checks around water lines. Do they create a list of all items needing additional inspections? No it's one item a week, $150 each inspection and when turned in. they would drop another requirement at the last second 455pm on a friday. causing more delays. Add to the *** that the constantly had the loan manager asking invasive private questions about my father. Who had nothing to do with the ReFi. I have complained about this several times. No answer given. I full blown invasion of privacy. If the readers knew how my father died, they would understand my anger at this. In the end, When they claimed they had all things 99% done, they set closing 1 week after the final court case. They did this monthly. This final one has forced me into Chapter 13. ruin my life and everything I have fought for for the past 5 years. Bonus: I reached out to my ***. 90% had experience that was negative with Vet United. They need to be shut down.

I joined the military when I was 18 just two weeks after graduating high school, my parents were poor and simply could not afford to put me through college so I joined the military instead. Soon as I joined I cut myself off from my parents and paid for all my bills and was determined to get myself set *** in life with the typical *** of a white picket house and family. I figured I would start saving and buy my own house once I got enough and was stateside. Well unfortunately, the military had other plans. I spent the next six years over seas and while the time was fun I wouldn't live there permanently so I did not want to attempt to buy a home. But, after six long years I finally came stateside, I had saved up enough money for a good down payment and thought I was ready to buy as soon as I landed stateside. Unfortunately again, PCSing from overseas to stateside for a single Airman is very expensive even with the militaries help. Most of my stuff got molded through during the move, because I had to go to training for six months between stations, and I needed to buy myself a car. After replacing what was lost and getting a "cheap" reliable used car, I had to say buy to all my saving. I moved into some shady appartments which constantly smelt like weed, were always noisy, and were known as the section nine housing by the cops. After about nine months I had enough and decided ,"screw if I'm going to buy a home". With Veteran United's zero down payment home loan as well as all the professionals assigned to me for help buying a home took less than two months. I was almost effortless and easy and those assigned to me made the entire process stress free. I now own my very first home with reasonable payments and now I don't need to worry about getting told to take a random *** test for fear of popping positive because my neighbors smoked to much and gave me a contact high. I can't say thank you enough to Veteran's United they truly made my dream reality

I heard some ladies in a Veteran's group recommend Veterans United so I didn't search around for a lender, I just went full speed ahead. I got a pre-approval from them, found a condo in Vegas and the seller insisted on a 30 day close. I was nervous about the timeline so I stayed in constant contact with my loan team of Matt P and Natalie K. Matt kept telling me Natalie would be in touch, but days would go by and I still wouldn't hear from her. I was driving to Vegas, 16 hours for my closing so I stressed to them I wouldn't have access to my computer or files after I left so I was anxious to get the clear to close before I started driving. Natalie finally got in touch with me one week to closing asking for documents, this was a Thursday and I was driving on that Sunday. She started off bad with the very first email when she called me by the wrong name and it just got worst from there. I didn't close the week I was in Vegas, I had to stay an additional night but still didn't close. Every day was one excuse or one more document they needed from the HOA or the appraiser they hired. Even the day I fired them they were looking for a rental schedule for the condo that I couldn't or wouldn't rent. The reason I drove was to start dropping off possessions to my condo and I ended having to bring my possessions home again. After a week past closing the seller wanted to pull out from the deal because they no longer trusted Veterans United. I almost lost my condo and my 2K in ernest money. Luckily my realtor found me another lender that could close in 10 days and the seller agreed. It wasn't until I started working with the new company (Mann Mortgage) that I found out what an awful deal VU was giving me. 25% down because it was a second home, 4.25 APR buying points for $1750 to get 3.62%. My new company was starting at 3% and only 10% down. I would not ever recommend this company to any of my friends or enemies. I hope you are reading this before your search not after like I did.

Dealing with unprofessional team lead that tries to sweep the case under the rug and a loan officer that lied to me 3 times over the phone when I called to make sure everything is on track. How did it come to this. I reached out to Devon *** I believe it was in February , to do the VA refinance streamline and refinance my loan so that I can lower my rate from 3.625% to 2.75% and take my wife off the loan and title. This would have added over 14K to the loan, I was trying to buy my rate down and lower my monthly payment. Devon said that is possible and I completed the paperwork. I have a copy of the paperwork and I uploaded a copy. After everything was submitted I called Devon at least 3 times to see where are we in the process. Every time Devon claimed the process is on track, the process is with the underwriter in the closing stage. After about 45+ days, when I called Devon he told me that it turned out he did not lock the 2.75% rate for me. He thought he did but he did not?! I asked to talk with his team lead or supervisor and explained the situation. I believe his supervisor's name is Blake ***, pardon I cannot remember. I was told to wait till the impact of the virus crisis passes to get a better rate and that there will not be any charges for an appraisal, and that himself Blake personally will make sure that I get a decent rate. When I called to reach out to Blake I was not able to get him. I spoke with Eric *** instead who was instructed by Blake that I cannot get a lower rate than 3.5% I am not an expert by no means but the mortgage rates are supposedly at a record low, am I missing out on a good rate because the company does not want to help me and would be loosing money if they do? I do not know if I can actually trust what they say over the phone anymore. This whole matter leaves just a bitter taste. Is it possible to talk to anybody that does not know Devon and his Team lead/supervisor please. At this point I do not trust anybody from Devon ***'s team. Help please.

I am writing this under the advisement and on behalf of my father , a veteran , who decided to use his VA loan on his forever dream property after living a life that earned him such . Along with losing his wife , my mother , years ago due to poor health he finally got his financial bearings in order to be able to get the property he has always wanted for himself and his grandchildren to enjoy. Very very long story short we as a whole military family are extremely disappointed with the veterans united home loan process. He has jumped through every hoop in speedy time they have requested, yet after way too many weeks in underwriting, the poorly trained people in charge of his contract are dragging their feet and doing things that should have been done in THEIR end over 30 days ago . Unacceptable is the only logical explanation at this time. Now he is facing the seller backing out because they are tired of waiting and repeating, ***, irrelevant,power trip hold *** on the underwriters behalf . It may not be politically correct but it is an absolute pathetic shame the way veterans united are treating this veteran . With all the advertising veterans united does especially on social media platforms you would think they could deliver semi-decent services to exactly that, veterans . It is not like this is free, as over 6k usd goes to veterans united on average per home loan mortgage contract closing and over 600 usd to the person solely responsible at this point for dropping the ball . All that is offered when requesting an explanation or updated status is a vague half sincere apology and a laughable discount on closing fees , again unacceptable. Get my father in the property you've said in countless emails and phone calls, was on track to close, or own up as an American ,and be honest ,fair and kind, and let him know the reality you keep trying to hide; which is just because you have veterans in your name you deliver the same service as those who protect veterans mental health which is why we have over 20 veterans a day committing suicide. Homeless veterans matter too. Shame on you veterans united .

I applied to refinance my VA loan through Veterans United on 3/26/20201. A credit check was run on myself and my wife on that day. At that time a list of our accounts, balances, and other credit information was made available to Veterans United. My wife and I have an FHA Title 1 loan that is clearly listed as an account on our credit report and Veterans United was aware of this account, its balance, and all pertinent information on 3/26. As part of the refinance I was required to have an appraisal and termite inspection on my home. The appraisal was completed on April 21 and submitted to Veterans United on April 22 - I have included proof of when it was received by Veterans United. The appraisal included the fact that there were multiple structures on the property (a wood frame outbuilding as well as the main home). I heard nothing from Veterans United regarding the appraisal nor did I recieve any further instructions on a termite inspection. The instructions I last received were to order a termite inspection for my home. Eleven days after Veterans United received the appraisal listing the outbuilding, I purchased a $250 termite inspection at my expense and submitted the documents to Veterans United. The following day Veterans United contacted me and stated they required me to purchase a SECOND inspection on the outbuilding - another $250. I ordered the second inspection on 5/18 for 5/20. On 5/19 Carma Bittle from Veterans United called to inform me they could not go any further with the loan because of the FHA Title 1 loan. Veterans United possessed ALL information concerning that loan for SEVEN weeks while wasting hours of my time asking me to collect documents and perform tasks under the impression my loan was moving forward. They also wasted hundreds of my dollars directing me to order and pay for needless inspections.I had to use PTO from work to accomodate appraisals and inspections because Veterans United failed to perform even the most BASIC due dilligence on my account. No financial variables changed from the beginning of the loan process to the phone call I received stating it would not be going any further. I did nothing to disqualify myself. Veterans Unit failed to perform due dilligence FOR SEVEN WEEKS on my information and negligently led me into the mortgage refinance process resulting in hundreds of dollars lost.

The way they apply payments in their system is shady to say the least. If you are not a knowledgably consumer you can be easily tricked into paying much more on your loan over time in interest. Their system default is to apply any overpayment to future payments, not principle leaving you to continue to accrue interest on a higher principle balance. This happens no matter how you pay. I have called and paid over the phone with a representative specifying my overpayment was for principle. Did not matter, needed to call back again when I got my next statement to have them correct. I have scheduled my monthly recurring payment to have an "additional principle amount" included. This also was not applied correctly and I had to call to get it corrected. When I was on the phone with a rep correcting this they mentioned that it also happens every January with the system starting a new year. You guessed it- automatic payments that were going through fine for a year are now not being applied incorrectly resulting in me needing to call up AGAIN and correct. When I asked a representative about it they indicated it was a policy that helps out veterans that want to pay in advance when they are on deployment. No- that is what automatic payment is for. Their policy is for making the company more money in interest. They are taking advantage of the fact that their customers will not notice, not understand the implications off applying to future payment ,or not care enough to take the time out of their busy lives to constantly be on the phone correcting. It is a disservice to veterans. In addition, my loan officer also did not listen to my desire to not roll closing costs into my loan amount when we refinanced. To prevent delaying close I went ahead with the loan anyway. Resulting in, you guessed it, more accrued interest. Because even though there is no prepayment penalty you cannot make payment until the loan is updated in their online system. In my case I could not make this payment until over a month after my loan closed. Complaint here is that the final documents were not sent to consumer in a manner that gives them ample time to review that they reflect what was discussed prior to close. We may choose to work with them again based solely on interest rates offered. However, consumers should be aware that their systems are set up in a way that benefits the company not the veterans they are "serving".

Here's my thing with Veterans United. I reached out and worked with them for roughly three months. The lady said she'd check in once a month. Two months later she finally reached out and followed up one month later again. So from the beginning communication wasn't a strong swimmer. Then we get to the pre-approval point. A 5 min call on me confirming to have VU begin moving forward started a flood of phone calls and emails like a herd of caribou in the Siberian tundra running from a predator. Service was great and a little overbearing for roughly 4 hours. I had EVERY SINGLE document uploaded into my VU account and all papers digitally signed by EOB that same day! I can very easily prove this FYI. So great, I'm one step closer, it's a Tuesday, I wouldn't be surprised if I hear back by Friday or that Monday. 1 week, 2 weeks, 3 weeks your it! I finally reached out to file a complaint about the lack of communication. I [censored] you not, within 30 min its was like taking indirect fire. Call from this person, email for the loan officer, another one from him, and another one. The voicemail from the loan officer states "Hey *** I have your documents right here and I'm just wrapping up your pre-approval letter but I have some questions first". Like no bud, you *** up and let this slip through the cracks and now you're trying to scramble cause the blitz is happening. I would have had maybe 1oz of respect if they owned up to it but nope. I got an approval letter with an hour of sending out the complaint... If you're still here reading this I appreciate you. Too many companies take advantage of "helping" the veteran community and too many veterans become too entitled about their veteran "status". I hope more veterans shop with their wallets and understand that just because companies advertise to our demographic doesn't mean you should go with them. Rates are rates and I hope this review changes at least one mind. I hope this makes one think that they can look around and choose a lender based on honesty, communication, and realism (army core values?). I was just another number in the veteran community to them. I don't necessarily like companies that target specific groups to profit from pretending like they care. Then again that's what makes capitalism great. I apologize for looking like a hypocrite and typing this in the context of feeling entitled. We're all just numbers. No one is going to remember us in 200 years from now so why does any of this matter? We humans like the comfort it brings in thinking that what we do for our moral compass is going to make an impact on "life" when in reality nothing we do will truly be remembered in the infinite measurement we call time.

I received a mortgage from Veterans United in September. I financed right around $300,000. I've paid my mortgage every month never missing a payment. I called in the middle of March to see if I would be eligible to get rid of Private Mortgage Insurance as the value of the home had appreciated significantly since my purchase. I was told the only way I would be eligible to get *** removed early do so would be to apply around $42,700 to my loan amount. I decided that I would like to do that so I put together some cash and called in April 21st, 2022 to let them know I would be applying the amount needed to get rid of the *** on my loan. They quoted me $42,700 and I applied $43,000 to the loan on April 21st, 2022. I was told it would take a few days to process and to call them back next week. I called them back April 25th, 2022 to see if had been applied yet and I was told they would need an extra $1,000 or $2,000 to get rid of the ***. I told the representative that was not okay as I had called in previously was quoted $42,700 and I had upheld my end of what was required. She then looked back at her notes and saw that previous representative had given me that quote and said that she would submit a ticket and find out what was going on and get back to me. I called back today on May 3rd, 2022 to check on the status on my ticket. I was informed that my request for my *** to be removed had been denied. The only reason I had submitted such a large Principle payment was to have the *** taken off of the loan. I was told that it would be removed after I paid down the loan to have 20% LTV. I did everything that was required of me and then they denied the *** removal. Either the representative misinformed me or this is an error in there system. Regardless, this is wrong. I went through multiple hurdles to accomplish removal of the ***. Selling investments and vehicles to get this done.

December 20th they sent our loan estimate and we signed. We spoke on the phone which the call was recorded that we were getting locked in at the 3.5% interest rate. 14 days before closing the loan officer called me stating the interest rates jumped and now we are at 3.99%. Told them that was unacceptable since we were told 3.5%. I tried speaking with his manager and then manager told me he couldn't discuss interest rates since he wasn't licensed in Oklahoma, which held no weight to this at all because it didn't apply, he just said he would talk to the loan officer that is all he could do. I then got a call from another bank able to get is lower and then Veteran's United said if I provided them a loan locked estimate they could try to compete to get that interest rate. I should have NEVER had to do that or have my credit ran again, hurting it. The underwriter and the person requesting documentation from us were very incompetent and do not pay attention to detain. They had us on wild goose chases for information they has infront of them. First they said they still needed my husband's W2's which I had just uploaded and they reviewed, second it was letting them know he didn't have a low income year because he went from one job directly to the other, they completed that task. Then they needed me to do a conference call with the mortgage lender and my student loan lender because they had marked I had them paid off for some reason but that took me a week to do because no one would answer the phone. We thought that was the finish of it. Next they wanted another letter of explanation for my husband's employment dates with a previous employer than his current, ANOTHER letter of explanation for a low income year yet again...they looked on the wrong part of the paystubs. I had to point all of this out & fix their mistakes. This all started on December 20th till now, the present, more issues arrising.

On 5/1 I filed for a Refinance of my current mortgage. I was trying to get a better interest rate and possibly reduce the time of loan from 30 to 15yrs. I filled for the loan through an add on Facebook. *** called me early that morning and asked me if had time to answers a few questions. The questions were in depth at to the point. I explained my situation and that my credit scores were 773 or 721, which are not too bad. I told her that my situation was a lot better than the initial loan on my house 2017. She took my information and said that a soft request on my credit would be pulled to see if I pre-qualify. I, at that time started seeing notices from all 3 Credit Bureaus that Hard Pulls were done from Veterans United. *** then called me back to tell me that my credit was very good and that she saw no reason why it shouldn't be approved and that she would forward it to a loan officer. *** called me back in the early afternoon to tell me that because they were inundated with a high volume of loans and that they would not be able to help me at this time. This of course is not the only Mortgage Company that has done this to me, but it is the one that I documented a lot better and was tired of the lies and run around, let alone that these companies continue to advertise that "Rates are Low and now is the time to refinance". The others also pulled Hard inquires. By the way the original is a VA Loan. I received the denial letter from them today and they indicated the reason for the denial was " Doesn't meet occupancy requirements". Nothing has changed in my household from my original application so I have no clue as to what this could be. No other box were checked that would make me believe there were any other issues than they were too busy to go ahead and approve me. As a Veteran I feel insulted by the way they advertise that they're here to help Veterans and then don't.

I have issues with the Bank that is represented by Veterans United. I have duplicate payments taken and attempted by the Bank Veterans United is using, they attempted this once again. I mailed a check on December 30 for the January Payment. Here it was January 11, 2022 and their Bank has not cashed my check and very suspiciously I called Veterans United and they tell me,"No we are not in the Possession of your Check". So I tell Veterans United that I will hang up with them and call my Bank and place a Stop Check before I make a payment. So I hung up with V.U. and called my Bank and placed a Stop Check knowing Veterans United Bank was attempting top scam me as they did the previous month. So once the Stop Check was in place I called Veterans United back the same day and asked again if they are in possession of the check and V.U. stated no. I said I'd like to make a payment and that I placed a Stop on the Check that V.U. stated once again they did not have. So I made that Payment. Sure enough VU had lied and attempted to cash the check attempting double payment on the 12th and check attempt on the 12th. Looks like V.U. had some checks on the 11th and took then to the Bank on the 12th. My first attempt placed complaint with the Complaintsboard.com was returned. Well here it is now January 28, 2022 and V.U. is attempting to scam me again. I spoke with them over the phone and V.U. Bank tells me that the check was returned for NSF. That is a lie. I have a signed written letter from my Bank stating that the check has a STOP PAYMENT placed on 1/11/2022. V.U. attempted double payment once again as they did last month and caused me lots of issues with my bank last month. Luckily I had back up funds. I knew that V.U. was going to attempt to scam me again, attempting a double payment and saying,"oh no, we don't have your check" and once I paid them by phone, would cash that check...at least attempt. But didn't work. Now trying to scam me with fake NSF.

I put my home up for sale in *** this past spring. In April this year I applied for a VA loan for a home in *** with Veterans United of ***.I complied with all their requests requirements and documents. I sold my home in MN effective *** The address I supplied is the property in CA still not cleared in escrow.I signed a purchase agreement through the real estate agent recommended by Veterans United for the property in ***. I was told although it was a manufactured home it complied with all VA loan requirements and I should expect to close on 1 June. I paid my *** money signed the purchase agreement had movers come to pack my belongings and also purchased new furniture in CA. However there has been one delay after another. There has been a new close date delayed time after time. The last close date was supposed to be 13 June. Now they say maybe later this week but no guarantees. I have furniture and belongings in transit. I have new furniture in storage. I have had to pay for hotels and B&B and rely on friends for accommodations.Besides being a veteran I became disabled after spinal surgery through the VA last August. Each time I contact Veterans United I'm told they are working on my issue but I am still virtually homeless. They keep saying that perhaps they will solve this soon but then comes another issue and another delay. All these issues should have been addressed before I signed the sales agreement and before I paid for the home inspection and appraisal but Veterans United agents claim they and their recommended sales agent did nothing in error. Now I may have to delay my movers delivery at extra expense. I may have to pay additional storage fees for my new items. I probably will have to pay for more temporary lodgings. This has been a nightmare. My life is in shambles. I have no joy left in my life or any desire to continue living. I am at my ropes end.At each juncture Veterans fails.

I purchased a house using Veterans United as my lender, and closed on the house in November. Veterans United claims on their website that the VA appraiser checks the house to meet certain minimum property requirements. Their website even lists specific examples of what the VA appraiser checks. The VA also claims these same things and I have the full regulations of what the appraiser is supposed to check. The appraiser claims my house meets minimum property requirements. After I moved into the house it was very clear to see that my house is a health and safety nightmare. It fails the VA's minimum property requirements in many many ways. I cannot afford to make all of these repairs myself, repairs that were supposed to be done before I moved in. I'm very worried about my health and safety living here. I'm not asking for much, all I am asking for is that the VA and Veterans United deliver on what was promised and what I paid for and to do the job at marking down all the violations of minimum housing requirements. Additionally, I would like for them to remedy those violations and bring my house up to the VA's minimum property requirements as stated on both the VA's website and Veterans United and repayment for any repairs already made.https://www.benefits.va.gov/WARMS/docs/admin26/m26-07/Ch12_Minimum_Property_Requirement_NEW.pdf https://www.veteransunited.com/education/house-hunting/va-property-requirements/https://www.veteransunited.com/education/processing/All I ask is that my house be brought up to the standards listed on those links. Examples of issues that I will include photos of are: the house is wired with k*** and tube wiring and some of the wiring is improperly sized even, there's chipping lead paint around my house, none of my windows are safe and functional, one of my exterior doors doesn't function properly, the insulation in the attic and likely the entire house is degraded and falling apart. I thank you for any help I can get in this matter.

My husband and I have been working with VU since June 2022 on buying my grandparent's home and it has been the longest, dreadful process ever. We had our pre-approval and initial loan estimate right away. VU hired and scheduled the appraisal for June 28, 2022 which is where everything started to go downhill. The appraisal was completed, however did not get turned in to VU until 9/6/22. During this time, we were at a standstill with underwriting and the interest rates continued to rise. There was communication with our loan officer about the rising interest rates and how long it was taking us to get our appraisal back as we did not want to have to pay any higher of a rate than already determined. It was communicated to my husband and I during separate conversations that our interest rate would continue to be locked in without any cost/penalty to us, despite the lengthy wait for the appraisal. Once the appraisal finally came in, it was said to us that we would be all set to close once reviewed by underwriting. However, a day later we were informed that it had been missed that we actually needed a well test done now in order to close. This was completed. Another delay resulting from poor communication with the title company and VU, our closing was rescheduled twice. The day before closing, we were presented with our final closing disclosure which presented us with an $11,000 difference from previous numbers. When we asked our loan officer why the huge difference and we were told that this was the cost to "pay down your interest", even though we were told from the beginning there would be NO cost to us for keeping our locked in rate. I then spoke with a customer service rep from VU and ultimately was told "even though this was out of your control it still has to be paid" and "you had the opportunity to ask these questions beforehand and now the papers are signed, but I will see if I can make this a teaching opportunity so it doesn't happen to others in the future".

This complaint is being filed against Paddio Home Mortgage Lender. I began my journey as a first-time homebuyer in November . I went through the FHA program to be matched with a lender. After I was matched, I was told by my loan officer that all I would need to pay up front is the 3.5% down-payment and the inspection fee for the home if I wanted to have one done. I make an offer to the seller on 1/10 and they accept the offer on 1/11. I payed my due diligence to the seller and my deposit for the lawyers at time of closing (1/12), which I was told both of these items went towards my down-payment. Due Diligence was set to be due on 1/29. I received my initial loan estimate on 1/20 and amount that I had to pay up front was not what I was expecting or what I was told by my loan officer that I would have to pay. They estimated that I had to bring to closing over 16,000 which was not the 3.5% of the loan that I was told before. As a first time homebuyer, I was not made aware that there would be an extra 3% added to cash at close. I was in process of switching to another loan company on 1/20 as I had not paid for the appraisal yet. The next day, I find out that the appraisal had been ordered, and there was no turning back because already I am out close to 3000. I made a complaint to the company which they admitted that they should have been up front with the closing costs and extra fees, but in the meantime, my loan team has been unresponsive to both me and my realtor on several occasions. I asked them about programs to help pay for the down-payment, but they just smirked at the mention of it and did not look into any further. Why would they approve me for 300,000 knowing what is in my bank account? The total costs with the closing is close to 5000 over the 300000. If I would have known about these things at the beginning, I would have never looked at houses over 250000. I feel betrayed and hurt because I believed that these people would take care of me.

I am United States Air Force veteran and have used Veterans United in the purchase of my first home property in 2020. I recently started looking for another property to move into in a better school district for my autistic son. I was issued my preapproval letter August 4th ***. My longtime real estate agent contacted the loan officer I previously worked with and provided her the information on the property to verify if there were any contingencies with my previous home that would affect the purchase agreement. My loan officer confirmed with my realtor that I didn't have to sell my home as a condition to close on the new property. I submitted my offer, and it was accepted same day, August 20th 2022 and both the seller and I signed the contract and my realtor sent this to Veterans United.I paid my $3000.00 in due diligence along with an additional $3000 for *** money as part of the contract. On August 24th 2022 I received unexpected news from my loan officer that I had to sell my home prior to closing onto the new property. I reached out, called, and received no response. My realtor informed me that the Branch Manager, *** sent a one-sentenced letter August 25, 2022 to my realtor and listing agent stating that I must sell my current residence prior to closing on a new residence. I found it very unprofessional to have gone under contract w/the seller and listing agent to confirm this information prior to submitting the contract and placing the offer. I am a repeat customer of ***. Due to the new contingencies that were brought after signing, resulted in the seller terminating and keeping my due diligence totaling in $3000.00 due to know fault on my own. I didn't receive a response back until August 30th 2022 from the *** concerning the issue.I am very displeased with Veterans United and their lack of communication, response, and professionalism as a veteran and I demand to be reimbursed for their mistake

Bottom Line Up Front: I am concerned about a potentially fraudulent practice that takes advantage of customers with limited financial literacy. Veterans United Home Loans originated my loan, and has remained the servicer of my loan. While preparing my first payment, I utilized the Auto-Pay feature on their website to set up automatic payments. There is a line item entitled "additional payment toward principal" within that feature. With the intention of paying off the loan early, I chose to allocate additional funds in that category, to recur monthly. Everything was clearly labeled and transparent. When I checked my statement a few months later, I was surprised to find that my additional principal payments were not being applied. They were instead put into an "additional funds" category until the following month, when (new) additional funds totaled to a full payment. At that time, the money was applied as a regular payment, with the vast majority going to interest (the company's profit) not my principal, as I clearly intended. I contacted the company via their customer support phone number to address the matter. The first representative told me that customers are required to call them and verbally direct them to change the "payment hierarchy" of their loan. Otherwise, the company default setting of addition funds being allocated to payments rather than principle remains in effect. On the phone I explained the auto pay feature I used, and that it clearly said "additional toward principal". The representative expressed that this is a common issue, and that the loan servicing side of the company has asked the loan origination side of the company to inform customers of the requirement to call in. I have two chief concerns. First, after 3 phone calls to customer service, including a supervisor, my balance is still not accurate. I fear it will remain inaccurate until I retain legal representation. Second, I worry that this is a willful scheme that takes advantage of customers with limited financial literacy. Their payment feature clearly states "additional payment to principal" while at the same time a behind the scenes "payment hierarchy" policy is in place that contradicts AND supersedes the customer's wishes. This shunts additional funds directly to the company's profits, and is easy to overlook if you are not very comfortable with finances, amortization schedules, etc.

Sometime during the month of May my spouse and I began the purchase of our first new home together. We had a few issues with the level of competence with one individual handling the information gathering of our loan, however, the complaint isn't 100% about her because we do realize that she may have been overwhelmed or new on the job. Our complaint is regarding the gross unprofessional behavior exhibited by an individual by the name of *** who works for ***. *** is a Loan Officer in the mortgage department and his NMLS ID is # ***. After communicating back and forth over email regarding the veteran funding fee and a few other fees, my wife called him to gain a better understanding. *** was not only unable to clearly explain the fees, but he also made condescending statements about him being an ex-marine and the level of his intelligence and ability to explain is superb, etc. After a long conversation and a high level of frustration, my wife and *** concluded the call. My wife called our realtor who was able to explain in greater detail. My wife then communicated with *** via email to advise that she was able to get the answers from our agent. At the conclusion of the conversation on June 16, we were under the understanding that all required items were satisfied and settlement would proceed on Friday, June 19. In addition, we received a clear to close letter from Veterans United. To our surprise, *** sent an email to all parties involved in the closing with the exception of us; the homeowners to be, stating that the closing was off and to halt all activities. We found out because we received a panicked call from our realtor. My wife immediately reached out via phone and email and got Andy's voicemail. Extremely concerned with having a roof over our head, we escalated our call to management and was eventually able to get our settlement back on the track. We complained to *** who said he was Andy's supervisor. He stated that *** didn't have the authority to cancel and he would follow up and see what happened. Ultimately, *** stated that *** made a wrong call. This is totally unacceptable and unprofessional behavior in my opinion. It has been weeks since our closing and we have yet to hear from *** (not even on closing day). As a result of the aforementioned we would like to file a formal complaint against *** and Veterans United.

Veterans United Home lender Columbia MO breach their fiduciary duties and committed gross negligence with their mortgage underwriter causing my wife and I to loose $5,000 dollars in Earnest funds. Veterans United load underwriter did not perform as required by Federal Government, States of Missouri and Veteran United policy to Fairless deal with mortgage seeker, a hidden Redlining to look like they were assistance we but did not. Point in Case 1. Veterans United Home lender Columbia MO ask for excessive documents which was giving to them every time Veterans United Home lender Columbia MO ask for documents. Home Load approve our load for $850,000. The issue been Veterans United Home lender Columbia MO kept asking for the same documents over and over again, even ask for Government security information since I work for the Federal Government. Department of the Army send Veterans United Home lender Columbia MO home load letter stating they cannot submit any privacy or security documents on me as Veterans United Home lender Columbia MO requested. What Veterans United Home lender Columbia MO should have done at this point was to denied the load since Department of the Army could not submit that level of sensitive information on me but Veterans United Home lender Columbia MO continue asking for same information knowing the closing date was 8 April-20 but continue unnecessarily asking for the same documentation. Veterans United Home lender Columbia MO Grossly violated the Financial Conduct Authority (FCA) by not dealing with us fairly causing our $5,000 earnest funds a direct Gross negligence by Veterans United Home lender Columbia MO. If load lender did not get documents from the Government but the basic document the Home load underwriter should have disapproved the load same day but they did not. They continue to ask for more documents they have all the documents required to close. Veterans United Home lender send us a letter congratulation on the load, but continue to ask for more documentation when in fact the Veterans United Home lender underwriter, load officer, and Veterans United managements new they have until (8 April ) to finalize the load or disapprove the load once again, they did not. Veterans United underwriter and Veterans United management breach their fiduciary duties which was the proximate cause of complacency which lead directly to my wife and I forfeiting $5,000 of earnest money that would have been prevented if Veterans United underwriter and Veterans United management/underwriting have conducted their duties as required they did not. Seller Titles Company Management and Seller Mortgage company did received phone cllas and email from Veterans United Home lender Columbia MO Loan Officer *** and *** indicated to them Veterans United Home lender Columbia MO underwriting were still working to close. There is only two reasoning that makes any sense here, 1. If the Seller closing agent and Veterans United Home lender Columbia MO *** spoke and email each other on or before the closes date of 8 April , than both parties understood closing will not take place on 8 April , and Veterans United Home lender Columbia MO underwriter (at that point) should had deny any further action on our home loan but they did not why not? 2. Why did Veterans United Home lender Columbia MO underwriter continue to ask for more documentation when they have all the documentation and knew closing date was passing and knowing they will not meet the closed date set in the closing documents as stated by Financial Conduct Authority (FCA, Federal Mortgage Lending Laws. Veterans United Home lender Columbia MO should have cancel or deny further processing of our loan rather in keep asking for documents they already had. Veterans United Home lender Columbia MO Deceive and use deception with us.

From the beginning, the members I worked with to purchase my first home were great. Being this was my first home, I had many questions and relied on the knowledge of Veterans United to assist. My first problem arose when I had concerns about the Appraiser/Inspection. Being I was moving to a very small town, I was worried the outcome could be fudged to fit the numbers and specs that the realtor and previous home owner wanted because they knew the people coming out to conduct the inspections. I was assured by members of Veterans United that it wasn't possible that could happen. When the Appraisal came back the exact number we agreed on, I started to get suspicious and again asked Veterans United if I could get a second opinion from someone outside of the town, and once again I was assured I didn't need to do that. After the Inspection, the inspector wrote up that the only thing wrong with the property was a missing faceplate for an outlet. This again rose concern and I contacted Veterans United and was assured The Inspectors would not fudge a report. Fast Forward 4 days after I moved in, and I started having air condition problems. I had a professional come in and he said the A/C unit was not big enough for the size of the house and also that there is water damage all around the unit and no way should have passed an inspection. I contacted a different company and they stated the exact same thing. How does that amount of water damage and problems with the A/C pass an inspection. During that week, I kept hearing a noise when I would run the water or flush the toilet in my bathroom. I contacted someone to come fix the problem and they would not touch the plumbing because it was installed illegally. The plumber was baffled that anyone could overlook illegal plumbing and pass an inspection. I was needing to get the inspections report to call and confront the Inspector or other guidance, so I contacted the members of Veterans United several times on the emails from when I originally had concerns and I NEVER RECEIVED A RESPONSE. I had to wait a week to get back home from training to get the report. Now I am stuck with illegal plumbing that makes a loud grinding noise and backs up in the sink, tub, and toilet because I was given bad information by Veterans United(which I have all email conversations) and I can't find a plumber that will touch the illegal setup. All of this could have been avoided if I would have followed my gut, but I thought the professionals would have more knowledge than myself, but I still took responsibilty. The final strike was when I was going on a Patrol to Africa and I called to set up Autopay for my mortgage. I knew I would be out of the Country and in the middle of the ocean with no phone or personal emails for weeks at a time. I called in to set up auto-pay(as I did with every single one of my bills) and was assured I was set up and to have a safe deployment. Due to Covid we were not allowed to leave the ship so I was restricted with no phone or personal emails. I communicated with family through work emails and would call from the ships phone when I had an opportunity. I returned back to the States Jan 9th and a few days after that I noticed my credit score took a hit so I went to look and see why, and it was because the auto pay wasn't set up and I was late on payments. I contacted Veterans United and was told there was nothing they could do about it. I explained to them I called and set up auto-pay, but to my surprise it wasn't set up because they didn't do that over the phone and nothing was in the system. I pulled up my phone records for proof and the call is on the statement. I was told that they called me several times and one time someone answered and hung up, which would have been impossible. And being that I live alone, no one was there to get the mail stating I was late. As soon as I found out about the status, I made the payments to catch up and set up auto-pay. I didn't have any problems with other company's, only Veterans United. I have been 100% on payments for more than 10 years, but now I have a blemish on my record for something that was not my fault. The stress of Covid, missing all of the holidays, my birthday, my moms birthday, and my dads birthday because I'm serving the Country is stressful enough. Then on top of that to have to come back home and find out my credit has been affected by something that wasn't my fault even though I went through the proper steps to avoid this situation.