May 12, People with bad credit often find themselves in a particularly challenging situation when the need for quick access to cash arises. Frequently, in these situations, taking out a personal loan is the only way to bridge the financial gap.
The agent by the name of "Tom" that was probably stationed in the Philippines, continued with his script. I told him again that I was not interested as I have already bought a home.
He then transfer me to an agent to try and get me a loan. Very disappointed in my experience. Management needs to reevaluated their policies for the call center. We have a VA loan from a bank now, but wanted to refinance our home.
We have also had other VA loans from our bank, which were fairly easy.
After the conversation on September 24th, Sam asked for a series of paperwork, which included my husband's DDwhich is what every other lender asks for. On September 25th Sam had all the paperwork he asked for.
The Appraisal took another week and a half to schedule and complete. On October 8th it came in higher than we expected.
At this point we had all documents, as well as our appraisal completed. We expected a closing date. My husband never heard of that form, or ever had to use it. They had him fill out a form, which they said may take a week or so.
It became more than 2 weeks when we asked Brandon why it was taking so long. We even stated if they couldn't get answers we were going to look elsewhere.
Brandon essentially said the VA had more important documents to produce for people who needed death certificates and other paperwork.
He hoped they would get to our request soon.
If we had to go with someone else, basically he said "we should do what we needed to do". I Googled the illusive Member 4. Wikipedia states the VA never gives out copies of the Member 4. I emailed Sam this information and never got a response.
My husband and I tried to email him again two days later and both our emails were bounced back as if we were blocked from his account. If you do decide to go with this company make them tell you exactly what papers you will need and make sure you have them before they come up with an illusive document request and cannot tell you why, or when it will be available for you to close on your loan.
It cost us over 1 month's wait period even though we had documentation they originally asked for, as well as a good appraisal. Beware the VA loan.Fig works with nonprofits like Family Services to provide affordable small personal loans that are designed to be repaid and build credit.
|Review Breakdown: Personal Loans||Average Customer Rating Cynthia Nov 09, Danh and his team worked diligently on my file, they were on top of things, informative, and very polite. My experience was an excellent one, I would highly recommend giving them a call.|
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