No, really. I realize that many folks have had terrible experiences with NVR. So much so that I've been hesitant to say too much about our positive experience. Also, I was afraid to jinx myself. But now that we are a full 2 weeks past closing and the deed showed up in the mail this week, I feel pretty safe.
We may be the exception, but things did clock along without incident. During the whole process, the loan officers (there were two) were helpful and responsive. They responded within 24 hours and sometimes much less to questions and requests, even working up multiple good faith estimates while we were debating about some upgrade options.
Our loan officer reached out in early July (more than two months before closing) to start the ball rolling on re-approval with a thorough list of documentation needed. We got a few requests out of underwriting for additional documents, but nothing crazy. Mostly some bank statements and a copy of a check that was a monetary gift from a family member.
Closing was a dream. No surprises. Lots of signatures. (And trying not to puke over the amount of our taxes - yikes!)
Are we special? Nope, not at all. We came to the table with a good credit score and a great debt ratio. But really, I think we just got lucky. Our loan officers were proactive and made this process as smooth as possible.
So, why this post? With so many legitimately negative stories out there, I wanted to share that sometimes NVR does work as it should. Much like the rest of this build process, it does seem to be largely dependent on the people you are working with. We'll be letting NVR know how great our folks were and I hope that they work to get more employees like that.