I am a veteran first time home buyer and did not know what to expect from this process and eventually decided to take the first step. From the initial phone call with Veterans United they were very professional and knowledgeable which helped a lot because it reduced the amount of stress this type of purchase can bring upon anyone due to still having to deal with everyday things such as work, bills and many other factors. If you are prior military you would know that when a process is laid out in front of you and know what to expect, it tends to make thing almost dummy proof, and this is what it felt like when going through this process. Everything needed is requested in a timely manner and you are updated throughout the entire process. I really just wanted to put my experience out there for anyone else who may need it and also I am very thankful with Chad Bowman and his team because they truly did help me get the home I always wanted sooner than expected. God bless and thank you all.
I had worked with Chad Bowman before, when I purchased my first home. Both times (now and 7 years ago), Chad Bowman provided me with absolutely outstanding service. What I love most is that Chad always explains everything in detail and takes his time to "break it down barney style" if I have problems understanding the complexity of the numbers. He is supported by a fabulous team. I know that I can trust each person at Veterans United that I have dealt with. Everyone is competent and eager to assist. Further, the response time is unbeatable. I never waited longer than an hour for a reply. In most instances, the response was immediate and I never had a problem to get someone on the line to talk things over. Plus, the updates came in as soon as there was any change. Most of the time, I would get an email notification and then someone called me to ensure I was aware of the new status.I also very much like their system of submitting documents. It is very easy to navigate. I always knew what type of document was due, how it had to be submitted, and how I could retrieve the document if I didn't have it on hand. This very much enabled the process to be simple and fast. Chad Bowman also helped me to prevent huge mishaps in the future by making recommendations that go above and beyond what is usually required of a lender. I can tell that he is truly looking out for the best interest of his clients. In addition, I have to applaud the timeliness of the overall process. While I hope that we will never find ourselves in this kind of situation again, I have to emphasize that Chad Bowman was a life saver. What happened? I first engaged the builder's lender to receive the builder's incentive towards closing costs. However, the builder's lender was extremely shady and increased my anxiety every time we dealt with each other. It ended in us verbally fighting over the phone. So, I contacted Chad Bowman for his advise. Chad Bowman created a spreadsheet which allowed me a 1-to-1 comparison. Through this comparison and Chad Bowman's explanations of each line item on the spreadsheet, I came to the conclusion that the builder's lender would have pocketed several thousand dollars and overall was untrustworthy. So, I had to involve Chad Bowman and his team merely two weeks before the anticipated closing date. Chad Bowman could have easily rejected me as the time period left was impossible to manage. Instead though, Chad Bowman accepted the challenge and worked tirelessly on my case. In the end, we closed with only one week delay. However, I have to emphasize that this delay was not caused by Chad Bowman and his team. Rather, it was the expected delays in the process of funding. Chad Bowman and his team almost had a miraculous turn-around time. They were faster than any other lender!Also, what I enjoy as a Marine is Chad Bowman's communication style. He always gets straight to the point. Consequently, I can discuss a topic with him in mere minutes while it would take a super long time with other lenders. Chad Bowman: Semper Fi! You are still representing all the wonderful values of a Marine.I can truly say that I am highly satisfied with this experience and I will never work with any other lender than Chad Bowman and his team at Veterans United.
The team at Vereran’s United was very good. The entire process was easy and the checklist was very convenient. I was able to do everything online (most of it on my phone!), which is good for me because of how often I travel for work.The team that assisted me always responded within 1 business day and alway helpful. This is my second mortgage with Veteran’s United and are happy with both. Highly recommended for military members and their families!
The deciding factor for me that was when I was out shopping around for quotes and interviewing loan companies I never got a response back anyone sooner than the next day. Chad got back to me to me in ten minutes. He was professional at all times and gave me nothing but the unvarnished truth on every occasion. In this business the value of that cannot be overstated.
Ready to see for yourself?
Experience first-hand why 858 homeowners give us a perfect score!
Our situation was a unique in that we did not have a buyer agent this time. Although not widely condoned (not using a buyer agent), we felt confident enough with the seller agent that we were discussing the property with to proceed with a "dual agency" arrangement, which made things move quickly after submitting an offer. Chad's team had quick responses to our inquiries and the loan process had clear requirements which gave us enough information that we could dig in and find the answers on specifics with our own contract and your information/answers helped us make informed decisions. Your recommendations concerning Home Owner's insurance were also valuable guides in selecting the right company/policy to use. I highly recommend Chad Bowman and his team (Ryan, Dustin and Kelly) when choosing a VA loan and will use Veteran's United again in the future in our next home purchase.Thanks in advance Team!Kind regards!Marcelo & Kristal Alcazar
